The Ramsey Show - App - How Can I Financially Protect Myself? (Hour 1)

Episode Date: July 2, 2024

Live from the headquarters of Ramsey Solutions, it's the Ramsey Show, where we help people build wealth, do work that they love, and create actual amazing relationships. Dr. John Deloney, Ramsey personality, best-selling author of the book Building a Non-Anxious Life, host of the most popular Dr. John Deloney show on Ramsey Networks. You can hear him there all the time. PhD in counseling. He's my co-host today. Open phones at 888-825-5225

jenny or jenna rather starts this hour off in spokane washington hi jenna how are you hi mr dave ramsey hey what's up um so my complex like my situation's a bit complicated. Two years ago today, my husband and I got married. Congratulations. We are both 23 years old and recently graduated from college. We're on baby step two, trying to pay off our student loan debt. And so with that in mind, my father-in-law and my mother-in-law have both divorced recently, and my father-in-law has remarried. And during that divorce, he took over the parent plus loan that was my husband for school. And so originally I had a problem being worried about my financial future, our financial future being in his hands because we have gone non-contact

with him for being kind of a toxic person to be around and specifically related to money. He likes to try and buy people's love. And so really my question is, how can we protect ourselves, our assets, our financial future from my toxic father-in-law? And I'm aware that the Parent PLUS loan is now not legally binding to us. So it's kind of his loan now, but I'm still concerned he's going to use that as an emotional...

Only if you let him. Yeah, you want your cake and you want to... Okay, so he's gone non-contact and he has a loan in his name. I think he has a problem. Why would you invite the problem into your house oh we're not trying to okay then don't yeah don't take his money don't ever take his money and go on about your life okay if you want to take his money has your husband promised to pay this loan that's not okay that's that's the confusing part for me because they never really had an agreement

on that i didn't ask if they had a written agreement i asked if your husband had promised to pay it it's a yes or no answer did he or did he not no sir he did not i don't believe so okay ask him that because if he did he needs to be a man of his word, regardless of if his father is scum. Because it says more about him than it does his dad. But technically, legally, there's no destruction of your finances by your father-in-law being in debt. Unless you choose to let him manipulate you but that's your choice yes sir there's not any there's no way he can destroy you unless you say please come and destroy me yeah what are you worried that he's going to do any number of things really like you keep saying

that but i want you to be specific i want you to name your very vague set of villains here what are you specifically worried he's going to do i am worried that my husband will never be able to have a relationship with his father okay that's different that's different that's different than destroying your finances? Well, it's kind of a combo question. No, it's not. No, it's not. Your husband and his dad can choose to have a relationship in spite of the Parent PLUS loan issue and without you agreeing to pay the Parent PLUS loan. And so at no time have you destroyed your finances,

have you traded the destruction of your finances for the relationship. If your father-in-law is so manipulative he wants to make that trade that the only way you have a relationship with me is you pay this loan then he has chosen to destroy the relationship but you and your husband didn't choose that yes sir yeah you're you desperately want this man to not be who he is. I'm sorry, kiddo. He is. Is he super wealthy? No, I think he's actually kind of broke, which is another reason why I feel bad.

We both feel bad. I don't feel bad. You didn't do anything. Why would you feel bad because... I don't feel bad. You didn't do anything. Why would you feel bad? Well, because his family is now dependent on a man who... Whose family? A good person. My husband's family.

Ah, okay. He has three younger siblings who are feeling the brunt of this man's poor decisions. Yeah. So that's heartbreaking grief and relational sadness. That's enough pain in and of itself. Don't add the added fear of, and we're going to go bankrupt because this guy is going to destroy us. Y'all are fine.

How do I keep my father-in-law from destroying us? Yeah. That's a ridiculous question he has absolutely no power to destroy you he can unless you choose unless you choose just to live in the sewage that he creates instead you can just stand back and watch this thing and be sad about it it's kind of sad there's two there's young children being affected but you didn't cause any of it and your husband didn't cause any of it so it's just it's just you know you can start a pen pal relationship with those siblings you can invite them out for you know

camp jenna once a year i mean y'all can figure out ways to be in connection with them because i do get that heartache just don't over complicate it with uh you're you're imagining you're turning this into a catastrophe that doesn't exist, kiddo. That's what we're saying, okay? Any number of ways, you said. How can he destroy you? And your answer was any number of ways. And there is no number of ways.

The number is zero. Follow me? Yeah, we have a lot of disaster mentality, I suppose. Yeah, and I think you might be afraid your husband's going to cave and get sucked into the vortex of stupidity yeah in that case he needs you yeah in which case the two of you 23 year olds need to lock arms and say hurricane coming baby everybody ready for the for the wind here it comes so everybody if you sense in your life

if you ever say the phrase or think the phrase any number of things or a whole bunch of things or everyone is take out a piece of paper and begin to write them down who is everyone who is all of them what is what are the number of things the number of things and you find real quick it's not three or it's two yeah or it's and they and there are two people that don't matter or one of them does and the rest of them right yeah but it really narrows your challenges really quickly yeah and um it well i mean like you say when you're facing trauma facts are your friends facts yeah so you need to reduce this thing to facts. What's the truth here?

The fact is that your father-in-law is a hot mess, and he's in a hot mess, and he signed a Parent PLUS loan, and that's part of his hot mess. The fact is he's got zero power over you and your husband unless you grant him power with your weakness, and you call that compassion. It's not compassion. It's just weakness. There's a difference. There's a complete difference. Compassion comes from strength. This is the Ramsey Show. Hey, you guys. Health insurance costs are only moving one way, and that way isn't down. And if higher costs aren't enough, the wait times to see your doctor are longer, and it's harder than ever to get anything approved through the bureaucracy.

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We don't accidentally get in shape. We don't accidentally become wealthy. It's a series of intentional acts. You don't accidentally become a world-class athlete. Doesn't happen. Well, he was just born that way. No, he's not. He's weight room he's

trained he's studied you don't accidentally win it's a series of intentional acts same true with building wealth you have to act you have to on purpose intentionally tell your money what to do give every dollar that comes into your possession an assignment intentionally instead of living like some kind of child who just eats candy all day and never has any meat and potatoes. So the best way to make the most of your money is by creating and sticking to a monthly budget. We call the world's best budgeting app EveryDollar because you give every dollar an assignment you can download every dollar for free in the app store or google play tens of millions of people have what are you waiting for every dollar in the app store google play or every dollar.com bryson's with us in hawaii hi bryson welcome to the ramsey show hey dave how's it's it going? Better than I deserve, man. What's up?

Hey, so just kind of my background with the Ramsey program. Me and my wife had started trying to become debt-free, I don't know, like four years ago. I was staring down dental school looking at like $650,000 of student debt. Good Lord. And decided to quit one month into it and ended up joining the military and got my student loans paid off. And then kind of came across you guys about a year ago, and we've since paid off about $50,000 of debt.

So you had $650,000 in debt, or you were looking at taking that on? No, I had $50,000 of loan debt. Oh, and the military paid for you to do dentistry? No, the military paid off my student loans I had from my undergrad. Oh, so you abandoned dentistry. And also, yes. And so I appreciate what you guys have been putting out um because i you know we were kind of on our path to getting out and then

kind of started listening to you through some friends and uh just kind of really cleaned up a lot of our other debt that we had sitting around. But, uh, so thank you for that. Um, well, thank you. Thanks for your service to the country. How can we help? Absolutely. So I have a buddy,

um, that I've kind of told about what we were doing and, and talked about, you know, looking at maybe some side hustles of sorts being here in Hawaii. Um, and so he reached out just barely about this company called global financial impact. Oh God.

Um, and yeah, so I looked online and they're very vague, but they kind of talk about universal banking and full life insurance. There is a little blurb about term policies, but, um, I just run i don't really know what to tell my buddy because i like i feel like people take advantage of military people um getting into things like this and so i just was like i i don't know i have some time today so i'm like well i'll call in because i i listen to your show every day and i'm like well i kind of of get some advice from Dave about what to tell my friend. Well, go three clicks deeper. You will find nothing positive.

Okay. If you just keep clicking, you're just going to keep finding more and more dirt. It's a bad deal. Yeah, run. Tell him to run. Run? Run as fast as you can the other way, like they're shooting at you. Run. Yeah. run run run as fast as you can the other way like they're shooting at you run yeah because you know

this is this isn't it's bad news listen anything that sounds too good to be true is absolutely and i there's no sense in getting into all the details but i think if you'll just do a little bit of research you'll just find you've already got the stink you got the smell off of it already and so you know just keep clicking around you'll find other stuff it's it's uh fairly easy to find all the uh trash that's out there and um and in this case i think most of what you find will be the trash will be true so yeah dissatisfied people people that i felt ripped off people that were ripped off and so on you're not going to find anybody goes change my life except in their ads so that that's your that's your key right there and so a lot of a lot of good side hustles you can do without getting involved in that kind of stuff man wow yeah and if it's your buddy and

you're worried about how to tell your buddy um i don't know dave with me and my closest friends we have a pretty straightforward relationship that they've got permission in my life to say hey deloney you're about to do something real stupid don't do that and i have learned the hard way over the years that when one of my friends calls me and says that i'm probably not seeing something the right way and it's at least worth me taking a look and so i think this is one of those moments bryson that you call your buddy aside and say hey i'm just telling you because i love you you're about to do something really stupid please don't do that or give me

six months on the ramsey plan give me six months don't do anything um but i love you enough to just try to stand in front of you and yell, hey, bridge is out. Stop driving. And at the end of the day, your friend's going to do what your friend's going to do. At your guys' age, at your college age folk, it's harder to have the maturity and the friendship to where you listen to that, though. I know I've experienced, as my kids were in that age their friends going to do something and like one of my kids would come in rachel would come and go hey dad this friend from college is getting ready to do so and so and i'm like oh no no no no no no

and you need to tell them and she would go tell them and they would do it anyway so you know you need to be ready for that he's may do it anyway. You can't stop him. And it's just kind of painful to watch people you know do stupid stuff. But, you know, it's especially painful. Benjamin is in Sacramento. Hi, Benjamin. How are you? Hey, Dave. Thanks for taking my call.

Sure. What's up? My wife and I have been married about 10 years. We're looking at combining our finances for the first time. She currently has $11,000 in auto loans and $14,000 in student loans. I recently paid off $20,000 in credit card debt with a large bonus that I received. So I'm debt-free currently. I told her that the first thing we need to do is attack this debt together. Um, she has right now 7,000 in her savings and I have about five. And I told her, you know, once we combine, I'll, I'll apply all of mine with yours towards the, towards the debt. Let's leave a thousand in there for as our emergency fund. Um, but I'm really struggling on convincing her to spend that

7,000 towards the debt. She's worried that some catastrophe could happen and we're gonna have no money you know what husbands do husbands tell people what we're gonna do and don't talk about why you're such a husband i do it all the time i do it all the time even though i tell people not to do it i still i do it at home, though. So, yeah, don't talk about what to do until you've talked about why. You already got the why because you've been studying this Ramsey stuff. You just laid out the baby steps and the execution of them perfectly. You totally get it.

So you're willing to do it because you see somehow you've spent enough time with us that you see that it's going to take you where you want to go. The why is I don't want to be broke anymore. The why is I want to build wealth. The why is we can get to live our dreams and go on vacation wherever we want, buy whatever car we want, and be generous beyond belief. That's my why. You're seeing that out in the future, so you're willing to, you know, engage in some sacrifice to get there. And you guys never talked about the why. You just went and took her money and paid down her debt.

You didn't yet physically, but, I mean, in her mind, that's what happened. And she got emotional whiplash because she doesn't know why we're doing this. Right. So you owe her an apology. Okay. I'm sorry. I went about this wrong. We should have talked about why I'm so excited about this,

and let's talk about where we can be if we follow these steps, and then we'll talk about what the steps are, and then we'll talk about what the implications of the steps are for the savings that we both have and the debt that you have remaining in your name as a part of our combining this. So back up about five steps and have a dream date, dreaming about what the future will be like again. And I'm sorry. I went straight to the throat. And you're such a husband.

And don't do that. Guys, ladies don't do this to their husbands. They don't do it. It's such a husband. And don't do that. Guys, ladies don't do this to their husbands. They don't do it. It's such a husband thing. We see it all the time. And then my name becomes a cuss word. This is The Ramsey Show. This show is sponsored by BetterHelp.

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This month, start to build your support system with BetterHelp. Visit betterhelp.com slash Ramsey Radio to get 10% off your first month. That's BetterHelp, H-E-L-P dot com slash Ramsey Radio. Dr. John Deloney, Ramsey personality, is my co-host today. Open phones at 888-825-5225. Thanks for hanging out with us, America. We're glad you're here. Daniel is in Richmond, Virginia. Hi, Daniel.

How are you? I'm doing well, sir. How are you? Better than I deserve. What's up? I was calling because I have a vehicle that basically between the payment and the insurance is about $900, and I'm not really good with finances in the slightest and I'm trying to figure out what the next best step is to kind of get out of it.

Um, basically I'm also under, I'm basically under it as well. Um, I definitely can not be able to get out of it. Um, what certain. And the payments are basically really, really weighing it down. Okay. What do you owe on the car? I think the remaining balance is about $25,000 to $26,000. Where did you get that figure? That's based off of the buyout from the loan company that I used. Okay.

Is it a lease? Yes, sir. Okay. So the early buyout, they told you they didn't give you an actual figure. No, sir. It was just about 25 is from what they'd kind of roughly given to me. Yeah. Okay. All right. It was just about 25 is from what they'd kind of roughly get into me. Yeah, okay.

All right. Give them an email or a phone call and tell them you need in writing what the buyout is this month. Okay. Okay. Then we know what we're dealing with. You said you think it's around 25. Is that what you said? Yes, sir.

Okay. And what do you think the car is worth anywhere from 16 to um high like i saw on calgary looks anywhere from 16 to 17 5 um is that trade in or private sale private sale okay how long have you had the Two years now. Okay. And what'd you pay for it? I believe it came out to $31,000. Okay. How long a lease is this? It was $84,000, I believe is what it was. So how old are you, 22? I feel like it, but I'm 28.

Oh, okay. Yeah, all right. What do you make? I make about 54 a year. Okay. So rough take-home is about $3,000. There's a little bit more with the car. I had to get a co-signer on it as well when it all kind of came about.

So, I've been trying to figure out the best way to kind of get past all of it. So, take-home after everything is roughly about $3,000 a month. Okay. You must be getting a big tax refund or you're taking a bunch of stuff out of your check. Yeah, it's a bunch of stuff. I somehow seem to be owing every once in a while. But between taxes and health insurance,

it's about $32,000, figure take, $31,000 to $32,000. That's only $36,000. You should be getting home with a lot more than that on a 54 income. Something's wrong with your math. So you need to investigate why you're not getting home with more money and understand that. And if there's some things you can cancel there, like if you've got a bunch of rip-off insurance or something

that's not your health insurance at work, then we're getting nickel and dime. And if you're getting a tax refund, you need to change your withholding, and I think you probably are. So did you get a tax refund last year? No, sir. You did not. Well, federally I think I got about $100.

Oh, have you got money going into your 401K? No, sir. Okay. I don't know where your money's going, but there's a problem. There's a hole here somewhere. Anyway, and you're working 40 hours a week doing what? What do you do for a living? I work as a logistic technician for a marble and granite company.

Okay. It's about 50 to 60 hours a week. Okay. All right. Well, you desperately need $8,000 or $10,000 to write a check for the difference in what the car is worth and what the early buyout is. Agreed? Yes, sir. And get the car sold.

That's the answer. And so where are we going to get $8,000 or $10,000? I'm guessing you have no money saved, correct just the thousand um emergency fund and how much other debt do you have other than this car uh i have a credit card with maybe like a hundred bucks but that's really not all i haven't really used credit cards who is the car who is this ridiculous lease with? It's with a company called Consumer Portfolio. Okay. All right. Yeah.

Okay. Your desperation for a car, whatever created the desperation, I don't know, caused you to get screwed and get a cosigner in the process of getting screwed because you've got a horrible loan and you just bought a car and desperately wanted that car for some reason. So you're willing to do whatever, because you're dealing with a subprime lender and they pulled in a cosigner and you probably paid too much for this car. It sounds like on top of all that. And so, you know, and all of that was because they saw you coming and you had that stink on you of desperation or impulse or immaturity or

something i don't know but something led you into a really really bad car deal and you made all the decisions so that makes it that much harder to get out of this so uh learn your lessons from it the good news is you learn it at 28 you don't have to do it again right yes sir so when i was your age i was going bankrupt because i was an idiot so i got you beat you just did a bad car deal i lost everything so we both get to learn our lessons and never repeat the lesson okay and that's what I want you to do here, man. And if you just go back, go back and analyze what you were telling yourself, you know,

I was forced. No, you weren't. I was dead. I know you weren't. You got all freaking emotional and bad and just completely signed anything they put in front of you. Cause you were walking away with that car. Nobody was stopping you and you drug somebody else to the table with a cosign so anyway put all that in the rearview

mirror but but be sure you smoke that pipe before we're done and never do it again now then the way to get out is we've got to go take six extra jobs you're going to be working all the time you're single aren't you um i live with my girlfriend okay uh you're not gonna be home much you're gonna be working a lot doing anything that will pay you good money that is moral and ethical i want you to go bananas for a short period of time a couple of grand a month extra income coming in and in three or four months have the money saved up to write a check for the difference to sell this stupid butt car and go buy you a five thousand dollar car for cash and drive it until you can save up the money to be in a better car because

you don't have a time you don't have a nine hundred dollar payment um going out um and check and see if they put an extended warranty on this if they did cancel it and that'll give you a credit back towards the balance as well because i think they screwed you on that too they got you with everything else so they probably got you with that one too and so um yeah cancel that that might be a couple grand off that balance in there as well check your check your take-home pay something's wrong with it we need to get home with more money and if you find another thousand dollars coming home it'd be about right on your check and um i mean i don't surely you're not paying a thousand

dollars a month for health care you might be um but that wouldn't be a good benefit actually so anyway that's um at the root of this question dave is i think it's just something that's that you know the politicians sold this so much and so much this idea of there's a way we can just make debt go away and people call in the show and it's happened more of the last year or two which is how do i just get out of this you don't and i think that's the harsh method um or the harsh truth that we give you that nobody else will give you there's not a hack around this it's just straight through it it is six jobs for six months and not going home and not going on dates and working and working and working and working and saving this money up and paying this thing off. Yeah.

There's no shortcuts. There's no shortcuts. You have dug a pretty substantial hole, and you need to get some shovels. If anybody sends you an email, any other programs, a special, hey, you know what? We can't. They can't. They're lying to you.

There's one way through this, and that's to earn the money and pay this stupid stuff off. And there's not an app you can put on your smartphone that makes this work. It sucks, and you've got to dig it out. You're going to have dirt under your fingernails, and you're going to learn your lesson, and you're never going to go back. Dr. John Deloney Ramsey, personality number one, best-selling author, is my co-host today. Angela is in Roanoke, Virginia. Hi, Angela.

How are you? Hi, Mr. Ramsey. I'm doing just fine. Good. How can we help? All right. I have just come through. I was married for 36 years, and I've been divorced for two years.

Right after my divorce, I purchased a home in my name and about four weeks ago I sold that home and I made a hundred and eight thousand dollars profit good for you okay my all right I'm 57 years old that's gotta feel pretty cool way to go, girl. I was very surprised. I did good. You did good. Well, my question is this. Do I turn around and purchase another home at this age of life? Yes. Or do I take this money and reinvest it?

No, you need a house. You're just 57. You look like you're 87 at this age of life. I got socks that are 57 come on seriously well i'm i'm on my own for first time in my entire life and i'm just want to make sure that i'm making solid investments well you did good on the last one kiddo without him i did do really good yeah i'll buy your lonesome You took the training wheels off and did it. Yes, I did. Proud of you.

I think you can trust you more than maybe you think you can trust you. Well, I overanalyze sometimes and talk myself out of things. You need a house, Angela, that's yours, that nobody can take from you okay so buy the house and move on yeah buy you a house and a 15 year fixed where the payments no more than a fourth of your take home pay and here's why from 57 to 87 or whatever year you leave this earth and go to heaven. But from 57 to 87 is 30 years. Every single year, rent is going to go up. It did for the last 30 years, didn't it?

It did. Wouldn't it be neat if we could rent something what it was 30 years ago? Oh, yeah. Wow. Oh, yeah. Well, guess what? That's where you're going to be when you're 87. You're going to be paying those high stinking rents if you're not an owner.

So be an owner. Okay. So should I do a 30-year mortgage and do maybe three extra payments a year? No, ma'am. Do a 15-year. Do a 15-year. And then do three extra payments a year. I want you to pay it off okay

so you got you i want you to do a 15 year and i want it paid off before you retire yes okay that's that's my goal i want to be well i mean if you got you got 10 years if you retired 67 right right so if we take out a 15 year we pay extra payments we'll be done in 10 right and that might mean we buy a more conservative cottage than the Taj Mahal yeah I mean I'd rather have a paid for cottage than I would uh in debt Taj Mahal Angela how were you married 36 years all right i want you to metabolize this there is a very strong possibility that you live another 36 years wow so you as long as it feels like you were married you might live that long what does that mean i want you to create the back half of your life you're holding a blank piece of paper and a pen what do you want this thing to look like this is like when you go to the concert

and the curtain goes down but everybody keeps clapping and then the curtain goes back up they call that an encore that's what you're in the middle of this is your encore this is your after the first bow you come out and you do a whole nother show. I don't want you to look up and have burned 10 years of this. Yeah, because you're very capable and you're not old. Okay, good. We got that behind us. It wasn't long ago that 57 was old, but now that I'm 63, it's just a pup.

So there we go. Open phones at 888-825-5225 mark is with us mark is in austin texas hey mark how are you hi dave hi john hey what's up good how can we help yeah so my wife and i just had our first son yeah hey congratulations and thank you and we're looking into sending him into private school he's a baby to that yeah yeah he's starting off early right yeah mark slow down homie okay so we want to figure out the best way to fund this because we all know that tuition will be going up and i was considering maybe using the 529 plan to invest in that more than what we would have for his college as well obviously we will invest in his college in the 529 plan as well but maybe separate out

different um kind of amounts and then hopefully have enough for, you know, a decent amount. Well, it will work and it's legal. You're not going to, you got, what, five years of growth on these funds that is tax-free in a 529, and that's your only gain by doing this. Yeah. And what's your household income, sir? 110. Okay. All right. household income sir uh 110 okay all right and um well when people decide um especially 20 minutes

after birth that they are thinking about private school uh generally it is uh for a couple of reasons one it could be they're concerned about the quality of academics uh two they're people of faith and they want their child to attend a school where their faith is, the value system of their faith is respected, and maybe don't think that's going to happen in a public school. The third one is safety. They're worried about the actual physical safety of the child in a situation. And those are generally the three reasons that someone,

or some combination of those reasons, that someone would be a staunch on private school. They're convinced that private school is a better academic situation. That would be one as well, I guess, that you're going to learn more there. So which category do you all fall in? What's the concern? We're number two mostly and also number one, but Texas has great public schools from what I can tell.

I can't remember which one was number two. What was the subject? We're devout Catholics. Jesus and academics. I'll do the precision. Okay, so you want your kid to have a Catholic education. You're devout Catholics. Okay.

The good news is that, generally speaking, Catholic private schools are not as expensive as frou-frou private schools. Yeah, yeah. They're very – We're looking around already. Of the private school spectrum, they would be less expensive of the bunch, generally speaking. Not always true.

And, hey, Mark, can I pass up along to you? Just dad to new dad? Yeah, yeah, for sure, John. of the bunch generally speaking not always true and hey mark can i can i pass up along to you just just dad to new dad yeah yeah for sure six and a half years ago i was three jobs in two states away from where i am right now yeah like you're already trying to map out that okay then and this and then this and then this and then this i then this. I'm all about planning and all about thinking ahead. You make six figures, you're all going to be okay. Yeah. But I also want you to make room for your life's just going to look different in six years than it does right now. And that's okay. And I know you're holding that little baby and you want to

make sure every variable is covered. Man, that's a recipe for anxiousness and panic so get the big rocks get the big values anchored in and then get ready for the adventure of a lifetime man be highly intentional but be intentional about those those values in those directions man and be open to what comes because you might find out that public schools in your area are amazing and they're great and y'all can move that money somewhere else or you may find that you know you need to move early who knows what you're gonna find but head that way ma'am well the thing that what we found was um as people of faith as christians that um we were so stupid and naive we assumed that if it said christian school over the top that that meant

everything that happened there was Christian. I know, but I was stupid. I'm sorry. I'm just saying. And if you think everything that happens in a Catholic school has anything to do with Jesus, you're real confused. So, because it's not. So there's all kinds of stuff happens in all these schools. So what I've learned the hard way early in our children's education process was that it's actually up to us. It's our job.

It's my job to make sure that they hold those values. It's my job to do this. And if I let someone else do that job, it's done poorly or not at all. Or it's perpendicular to what I believe accidentally. And so, yeah, it's my job to make sure you're learning to read. I know it's the teacher's job to teach them to read, but I better make sure that you're learning to read because I'm the dad. This is The Ramsey Show. Thank you. We'll see you next time.