The Ramsey Show - App - How Can I Set Up a Budget? (Hour 3)

Episode Date: July 29, 2024

Live from the headquarters of Ramsey Solutions, it's The Ramsey Show. We help people build wealth, do work that they love, and create actual, amazing relationships. I'm Dave Ramsey, your host. Thank you for joining us. Dr. John Deloney, Ph.D. in counseling, number one best-selling author many times over, and host of the very popular Ramsey Network production, The Dr. John Deloney Show, where he helps people with relationships and mental health issues of all kinds. And we're here to help you with your life and your money. The phone number is 888-825-5225.

Jessica is in St. Louis. Hi, Jessica. How are you? I'm doing well, Dave. How are you? Better than I deserve. What's up? So my question is, my husband has a child from a previous marriage,

and we have a child together. And I think I would like to ask that our son inherit 75% of our home's value, meaning my 50%, and then my husband's 50 percent would be split 25 25 between each of the two children and i plan to purchase multiple properties in the years to come and i'm good with splitting the additional properties 50 50 between children why do you consider this why I think I feel this way. No, I mean, why would the others be 50? The 70, I got your math on the 75-25.

That math I understood. I don't understand your math on the 50-50 given your position. So I think. Both are wealth. It's just. I'm sorry? Both are wealth. Yes.

I think it's because it's our first one, and we're getting really close to paying it off, and I'm trying to protect my son's future. And not that I'm not trying to protect my stepson's future, but... How's your relationship with the stepson? Wonderful. How old is he? 20. 20. How old is he? 20. 20.

How long have you been married? Oh, gosh. 15 years. Okay. So you've been involved in raising him for 15 years, I guess, at some level. A little bit. We lived in different states for a while, but, you you know obviously we would see him as much as we could i have to say man this this is tough this is gonna i think this is gonna put more weight

on your son than you think it's going to be pretty pretty divisive what are you worried about protecting your son's future what do you what do you think i mean you obviously have wealth you're going to go buy more properties walk me through what you're thinking here so a little bit of background is um like i didn't i didn't grow up with much. Very humble beginnings, and I made certain decisions to change the trajectory of my life and my family's future, basically. So I think I just want to protect that a little bit. Good for you.

I certainly don't expect my stepson's mom to leave my son anything. And I'm happy to leave my stepson something, but I think I just have these strong feelings. Your stepson's mom is not married to the father of your child, right? No, no. She's not in the same position you're in. No. That's apples and oranges.

Yes, sir. Okay. So, okay. I don't know if it's unreasonable. Here's what we did with our kids. Our kids are grown. Okay. So, okay. I don't know if it's unreasonable. Here's what we did with our kids. Our kids are grown, okay? Here's what we did with our kids.

We were more concerned for their future. A higher indicator that they're going to have a good future is their character, their integrity, their work ethic, their values. We're people of faith, so are they walking with God? Those are indicators that they're going to win regardless of what money we leave them. And if they don't have those things, if we leave them money, it's just going to make them a bigger moron, okay? A well-funded moron. And that's what you do if you leave kids that aren't so you're the what

you've done for your son or what you do for your son raising him to be a man is 98 of this formula two percent of the formula is what money you leave him and because of your upbringing uh and i grew up around a similar situation not exactly like you probably but but i know that i know the mentality because i it's the neighborhood i grew up in in those situations we if we're not careful we tend to place uh rich people place more value on things that last and less value on money because they know they can always get money. They have an abundance mentality. When you come from a scarcity situation,

you have a tendency to believe that the house or the money from the house has more power in your son's future than it actually does. Does that make any sense? It does, and I'm not worried about either of them. Both of them have great character, and I'm not worried about either of them. Both of them have great character, and I know that they're going to be fine in that respect. I'm sorry to preach at you, but that's how we looked at it at our house. Now, given that, then my only concern about your formula would be if it separates your son from his brother in any way.

Oh, gosh, yeah. Because I'm more concerned that the two of them love each other all the way into eternity than i am who got 25 or 50 or 27 percent or whatever bullcrap okay and do not leave the house to them leave the house to be liquidated and the money to be split you do not want them owning at 75-25. You're asking for them to not like each other. Okay. That will end in ashes.

So at our death, the house is to be sold 25% to him, 75% to him, and all the other is 50-50. At our death, liquidate it or sell it or whatever. That's fine. As long as you have talked to both of them ahead of time how old is your son 10 okay he's not quite old enough to talk to you about this but the older one you can talk to and say i love you deeply you are 50 percent mine i mean you're 25 percent mine this one's% mine. And so this is what we're doing

with this. And this is what we're doing with that. And we want you to know that you and your brother, our primary goal is for you all to maintain relationship. Yeah. And the only other thing I would add in the calculation, um, and I got to tell you, Jessica, for some reason, it's just not sitting well with me. And I may not have all the details. If you details if you and I were to sit down and have some chips and salsa for an hour you could tell me more about it but along those choices you said because I'm like Dave I'm like you growing up was tough the money was real tight and it was things got scary sometimes one of the calculations you made as you begin to make changes saying never again in my family line is you married a guy with a five-year-old. That's also one of the choices you made.

And so you've been a part of this young man's life for 15 years. If he in no way calls you mom, if he in no way calls you, like he doesn't see you in that maternal role, that's one thing. What's your husband think about this? Well, that's why I'm calling to get your advice i have not posed this to my husband yet because i wanted to see if it's even is it an objective ask is it unreasonable i don't it's not unreasonable to talk about it it would be unreasonable to die on the hill and it would be unreasonable if it causes a schism in between the two brothers those would be my cave it causes a schism in between the two brothers those would be my caveats because the amount of money is not worth the the juice ain't worth the

squeeze if you're gonna mess up something else in the deal if even if it messes up your relationship with a 20 year old i wouldn't do it but because when me and my wife are gone man i want my son and my daughter to get along to be ride or die together yeah my kids were all doing a cookout this weekend all three of them all eight grandkids without me that's what i want dr john deloney ramsey personality is my co-host today the best way to make the most of your money is by creating and sticking to a plan it's known as a budget the best way to make the most of your money is by creating and sticking to a plan. It's known as a budget. The best way to do a budget is the app EveryDollar. It is free to download at EveryDollar.com for Google, for Apple, on your desktop, whatever you want to do, the App Store, the Google Play Store, whatever you want to do. You can keep a pulse on your spending.

You can work the baby steps the right way. You can do it in conjunction with your spouse the every dollar app tens of millions of people can't be wrong you should check it out free download the every dollar app megan is in austin texas hi megan how are you i'm doing well how are you better than i deserve's up? First off, thank you so much for taking my call. I am on Baby Step 2, or we are, me and my family. And I was curious. I started the envelope system when I was 19 and in the Air Force, and I fell off for a few years there in the middle.

I am now 33, and I'm trying to get back on the program, and the last six months have been paying off debt. But I'm struggling with going digital, specifically with sinking funds. Like my insurance, my car insurance, I pay every six months. And so I save $170 a month for that. Are you using every dollar?

I downloaded every dollar and I have failed to start doing it yet. Okay, let me give you the upgrade that we charge for that connects you to your bank, makes it super easy, and it's got a feature in it called Paycheck Planning that will also help lay out which paycheck pays which bill, not just which month. Like if you get paid twice a month i put cable in the first and i put water in the second half or whatever that kind of thing right and so you it helps you lay that out and it's got an advanced sinking fund feature that'll really help you do this

that's what i would recommend i'll pay for it i'll give you a year of it free and get you upgraded and yeah get you in that that that'll do it uh and then if you want to what i would do there is just get away get away from stuff like christmas and car repairs but now if you wanted to use the actual envelopes for grocery shopping i'll come clean and say sharon ramsey still does that with cash okay yeah i love that because i do a lot of gig works i get cash in but it's just you know i'm trying to to be more digital my husband's very digital so it it i think it would work better for our family but i fight the system megan just ends up being in the account and i spend it fight

the system megan put an envelope yeah i mean stuff that you're going to do regularly, I still like to see the actual green stuff laying on the counter because it makes me remember I'm actually spending money. And groceries in particular, that's the biggest one. I fought it for years because when I first started this, of course, no one paid for gasoline at the pump. You had to walk inside and pay for it with a debit card, a credit card or cash. And so it's very easy to keep my gasoline on, uh, on a cash envelope as well. Now I'm too lazy to walk in. I just pop the debit card in there and pay for my gas.

Right. Um, like everybody else at the pump, but the but the uh but so a few things like that have shifted um but yeah groceries sharon still runs pure cash on it and and i'm perfectly cool with that there's something cool about i still walk around with a bunch of hundreds in my pocket you know because i i there's times i want to tip with cash it makes a difference when you're tipping i want to um because when people see real money versus a digit in their little computer in their hand i don't i might not at a restaurant if i'm paying with a debit card i'll just add the tip to the debit card i don't mean that but like a valet a hotel uh made or something like that a hundred percent

i'm gonna use cash so i'm always going to have some cash in my pocket for giving and tipping those kind of random acts of kindness that kind of stuff uh and occasionally just a big old thank you you know it's uh uh but anyway all that to say that every dollar app will help you a bunch the sinking fund feature in the advanced version, the upgrade version, and the paycheck planning, and it helps you with the baby steps. It helps you with everything. So I'll help you with every bit of that. We'll pay for it.

Hang on. Christian will pick up, and we will get you signed up to that. Lee is in Tampa, Florida. Hi, Lee. How are you? Good. How are you? Better than I deserve.

What's up? Okay. So we live in Southwest Florida and we are trying to buy a house. My husband and I, we got married kind of late. I was 34 and we just had a baby. We have a one-year-old and we still can't afford to buy a house here. We're renting for very cheap from my parents. And they actually offered to let us buy this house from them for a very cheap price.

Yet we still couldn't afford it. And my husband is from Alabama. What do you make? I'm sorry? What do you make? He makes about $90,000 000 before taxes that's bullcrap you can afford a house in tampa making 90 000 absolutely you can

um you're telling people you have to make more than $100,000 a year to live in Tampa and buy a house. Come on. Well, by the time, I mean, his health insurance is pretty pricey. He's a diabetic, and just groceries and the price of living, we're pretty much living paycheck to paycheck right now. How much is your car payment? We paid cash for our car. What other debt do you have? We have zero debt. Something's wrong with your formula, darling.

I'm serious. You can live in Tampa, Florida on $90,000 with health insurance and with a diabetic and with children and afford groceries. I mean, you guys, I don't know what you're putting your money. Is he loading up his 401k also? I'm not sure. Every paycheck is about $916 a week. That's $4,000 a month. That's $48 thousand dollars a year

that's not 90 that's not take-home pay from 90 000 something's wrong with your formula are you getting a huge refund he's putting money in something yeah so your problem is you're trying to live on 48 000 you're not trying to live on 90 000 taxes on 90 000 are not 42 000 bucks right there is no income tax in florida state income tax okay so you need to y'all need to find out where your money's going that's your problem right your take-home pay is tight i'm not going to argue with you there okay so you're running all your stuff on 48 grand actually 47 grand when you really get down to it but anyway the um and yeah that would be tight so i want to know where his money's going well he his salary is 75 000 but he usually takes home about 85 to 90

depending on his bonuses the bonuses he's a project manager at a construction business. How big was your tax refund last year? I'm sorry? How big was your tax refund last year? I think like $1,500. Okay. You're still missing some money. $75,000 doesn't come home with $47,500. Okay. You're still missing some money. $75,000 doesn't come home with $47,000 even then.

And then the bonus on top of that. That's not as bad as $90,000 coming home with $47,000, but you're still missing some money, okay? Because you can run your taxes out. You shouldn't be getting a tax refund. That $1,500, though, I guessed $5,000. That's what i guessed so i'm still looking for um a thousand to fifteen hundred dollars a month that's missing in this equation i want you to find that before you start asking these other questions because i think

you've got the wrong you've come to the wrong conclusion that someone making 90 000 can't afford to live in tampa florida yeah i don, I don't know enough to know about it. I'm hearing the calls all over the country. We can't afford to live here. We can't afford to live here. Get off of Instagram. Right. Yeah, I just don't know enough about it.

Get off of TikTok. I mean, you can afford to live in Tampa, Florida making $90,000. Yeah. I don't need Facebook to tell me otherwise. I don't need Facebook to tell me otherwise. I don't need Instagram to tell me otherwise. Especially with a special deal from my dad. And I don't need some whiny other version of my generation, whatever my generation is. And every generation has a percentage of whiners.

It's not exclusive to any generation. I don't want to hear it. I'm sorry. You can make it easily and prosper. This is The Ramsey Show. Dr. John Deloney, Ramsey Personality, is my co-host in the lobby of Ramsey Solutions on the debt-free stage. Etienne and Jamie are with us. Hey, guys, how are you? Doing good.

Doing good. How about you? Did I mess your name up? No, no, no. How are you? Doing good. Doing good. How about you? Did I mess your name up? No, no, no. You got a spot on. Got it. Good. Okay. Excellent. Because I want to make sure because I'm classic for messing up names around here.

It's like a running Dave joke how bad I am. Okay, cool. So Etienne and Jamie, where you guys live? Auburndale, Florida. It's right next to Lakeland, Florida. Oh, yeah. Yeah. Love it.

Good. Welcome. How much debt have you paid off? $235,850. Wow. Yeah. How long did that take? Four years, seven months. Good for Welcome. How much debt have you paid off? $235,850. Wow! How long did that take? Four years, seven months. Good for you. I love it.

And your range of income during that time? It was somewhere about $50,000 when we started, $250,000 last year. Whoa! Nice jump. What do you all do for a living? I'm a vet tech in a small clinic. I'm an airline pilot. Ah, okay. So yours has gone up. The airline's gone up?

Yes. Vet tech didn't jump 200 grand. No, no. Okay. That's good, y'all. Wow. What kind of debt was the 236? Most of it was between college and flight school.

Okay. All right. And then the rest of it was pretty much credit cards and then our van. Okay. So you were like normal plus some flight school. Yep. Yeah. Wow. Ouch. But then you got the job and you laid into it. That's right. So tell us your story. cards and then our van okay so you were like normal plus some flight school yeah yeah wow ouch

but then you got the job and you laid into it that's right so tell us your story what happened four years ago how do you do all this Ramsey stuff what happened what's the whole deal well um I think the story starts a little further back in 2016 I was working as a flight instructor when you work as a flight instructor you don't make much at all I mean you're poor like swish shampoo poor, right? And so back then we were already counting pennies. And one of my students, his dad is a captain at Barrett, and I went up to him to ask him for advice, you know, for career advice.

And I'm thinking he's going to tell me things like, yeah, go get your resume down here, get this certificate, get the search typewriter, whatever. But no, he looks at me and says control your money and i'm flattered i don't know what to say right now control your money because here here's what's going to happen you're gonna you're gonna get to your uh 1500 hours anybody that's been in flight knows what i'm talking about 1500 hours before you can get a uh a job at an airline that's a magic number and then you'll work at a regional

making a bit better than flight instructor but still a little bit and then uh second year gets better and then when you get to captain he told me uh stay living like a first officer and sure enough that's what that's what we did and um and i'm so glad that we we did that Actually, that was Yamil. Shout out to him. And that right there, that happened 2016. And that same night that he's telling me all this advice, I ran into you, really, Dave, your YouTube, this one where you basically blew a gasket, where you're saying the number one wealth building tool is your income.

And when you give it out to credit cards, you don't have it anymore. And I'm floored because you're talking about all the trouble that we were in, credit cards and student debt. Flight school and everything. And all that. And that's when the spark started. But during that time, it was mostly me trying to make traction.

I was the slow one. Yeah. And then we couldn't really make any traction up until we both got together. And then most of 2018, it was marriage counseling and things like that. We had to get it together marriage-wise before we could make any progress with that freedom.

Jamie, what was the breakthrough on that? What happened that caused you to decide, I'm going to do this? I finally took back over my mental status. I'd had trouble after having our two kids and everything. And being a stay-at-home mom, I needed a little bit more, and I got back into the workforce after that. And seeing how passionate Etienne was about it and him just leaving the little Dave Ramsey quotes

here and there. And hey, I'm watching this on Dave Ramsey on YouTube and this, that, just the little things. It was finally like, you need to do this. And like I said, once I got my mental health back in, I was able to focus more on my family, focus on our marriage and realize this is what we needed to do.

We needed to make a better life for our kids. You had to do it from a position of strength yeah mental health wise yeah yes that makes sense all right good i that's it's amazing how many people sit down to do this like the quote-unquote get out of debt and realize we got some things we got to work on both individually and together so that we can take this adventure together because four years doing any project with anybody's hard much less paying off debt and saying no to things and sacrificing especially when you're making a big fancy pilot's income and everybody at work when you roll into the vet's office they see the car you're driving like in your husband a fancy

pants pilot you're like yeah we got a we got a different kind of mission. Yeah, but this thing's paid off. That's right. You're still got payments on your cover. You got it, but you got to go with that mindset. That's right. Very good. Good job, you guys. How's it feel to be free? Free.

Weight off the shoulders. So much weight off the shoulders. And when we sent in the last payment, when we clicked last payment, it felt like I lost 100 pounds, right? Right there and there. It was beautiful. But it's interesting that you say um uh freedom that that right there was one of the things that drove me to to do this was uh our sense of freedom because see we do we do genealogy we know who our ancestors are and both all over the continent north south america all over

uh all over this side of the world. We have the same story where our grandparents, great-grandparents, they fought off tyranny, fought off European tyranny. And even in this country, we have little history of overcoming slavery. And like the scripture you always quote, the borrower is a slave to the lender. I thought about my ancestors

and all that struggle they did for us to have freedom and all of that, and here we are in the first quarter of the 21st century just giving it away just so you can have a TV on payments off of Amazon or Best Buy. I was ashamed when I saw it from that perspective, and I know I wasn't going to have it.

As far as me and my family, we're going to be free. We're going to have freedom. We're not going to piss our freedom away for some stupid object. Nope. I like that. That's noble right there. That's amazing. That's cool.

That's cool. So is your country of origin something other than the U.S.? I was born in Chile. Okay. I grew up in Salt Lake, and now we live in Florida. I got you. Okay. All right.

Okay. Very cool. Amazing. Well done, you guys. All right. What advice do you have? Somebody's watching, and they're going, okay, we're not really on the same page, and we got a big old pile of debt.

And my husband's driving me crazy with his Dave Ramsey YouTubes. And matter of fact, I'm starting to hate freaking Dave Ramsey. And what advice have you got for them on what they should be doing to get out of debt? Be on board with your spouse. Like fix whatever it is that may be making that crazy and then just keep at it keep that persistence your minimum say your minimum payment is 230 pay that 240 to that 250 you may not be paying off a bunch on the principal but you're still paying it there and eventually you're going to pay that one off and then you can take that and add it to that next

step and add it to that next step that snowball it to that next deck. That snowball, that snowball ain't no joke. Yep. It works. Once it starts rolling, nothing stops it. I love it. Once you get that gazelle intensity, once that snowball starts running, you've got it. And pray.

Pray together. Pray. Pray. It truly turns night to day. Yes, it does. It really does. Well, congratulations, you two. We're very, very proud of you.

Very well done, heroes. You took control of your life. And now here you are making a quarter of a million dollars as a pilot, vet tech, and two great kids. What are your kids' names and ages? Bring them up. Haley and Isaac. Haley is eight, and Isaac is ten. All right.

Have they been practicing their debt-free scream? Yep. Yep. A little bit. Ready to go. Here we go, baby. All right. Have they been practicing their debt-free scream? Yep. Yep. A little bit. Ready to go. Here we go, baby. Game on. Etienne, Jamie, Isaac, Haley, 236,000 paid off in four years and seven months from 50

to 250 income. Count it down. Let's hear a debt-free scream. Three, two, one. We're debt-free scream. Three, two, one. We're debt-free! Yeah! That's how it's done, ladies and gentlemen. That's how it's done.

This is The Ramsey Show. Our scripture of the day, Proverbs 19, 21. Many plans are in a man's heart, but the counsel of the Lord will stand. Henry Ford said, thinking is the hardest work there is, which is probably the reason why so few engage in it. What were you thinking? I wasn't. That's good. I like it. Hey, selling or buying a house in this crazy real estate market right now is a wild thing to do. You need a pro in your corner if you're going to buy or sell right now somebody who has actually done it before a lot that is a high octane high protein high performance real estate agent if you want one of those we have vetted thousands of agents around america they are endorsed local providers we call

them ramsey trusted real estate agents if you want to find out who we recommend and who we vet and who we coach and who follows the stuff we talk about and is really getting a lot of work done, they're not a beginner, go to ramseysolutions.com slash agent and you can find a Ramsey trusted real estate agent for free. Drew is with us in Seattle. Hi, Drew. Welcome to the Ramsey Show. Hey, good afternoon, Dave. Dr. Deloney, thanks for taking the call. Sure. What's up?

Hey, quick question. Well, first off, the Bible verse you guys just spoke, that was really speaking to, I think, my call. But I just had a question for you. Is it possible to be a successful businessman but to also be a successful family man? And I can kind of refine that a little bit more and give you kind of my background of where I'm coming from. What would make you think that is not possible? Well, right now I'm working with my wife to try to come to a middle ground on on our on our side business um and obviously so i heard the last caller uh one of the guys was a pilot i too am a pilot i work for

the major airlines my wife is also a pilot and but a few years ago we started this uh this side business um that's been doing really well um and there's there's a lot of potential in it. And we're coming to disagreements on if we should really be doing the side business. It's a seasonal agricultural business. And for the about two months that we operate, we're bringing in about 75,000 on average. But there's a lot of

potential for it but but my wife's argument because i want to give her side of the story too is that she doesn't like that the time it takes away from the family so we've got two months a year well yeah and i what do you what do you have to do on the other, um, 10 months? Well, so there's, there's a lot of planning and because we've, so we've been in business for about four years, there's, you know, the growing stages. I mean, it, it, it probably consumes my mind a little bit more than I should, which I've got, I've gotten much better at not bringing it up at the dinner table. Cause she's told me, she's like, okay, I don't, I want to hear about it, you know? And so, and, and I, I kind of have this guilt for I'd say for about six months out of the year you know leading into the start of the season you know it it's a little bit busier

at home for me you know I'm definitely balancing you know my time um you know between family and because I'm an airline pilot you know it takes it takes me away from home, which, you know, I mean, that's already kind of hard on the family. What do you make as a pilot? Well, right now, yeah, I make about $120,000. Next year, about $200,000, and then it just keeps going up. I just started at the major airline. And so, and my wife, she brings in about 85. And how old are your children?

We've got a 15-month-old, a 10-year-old, and then one on the way. And so my wife's argument is we don't need the business. And I agree with her. Like, it's not needed. But, you know, I listen to the Entree Leadership Podcast a lot. I just, I have this desire, like, I love flying. It's something I've done for a long time, but I get so much fulfillment and joy out of, you know, running a business and, you know, figuring out solutions and making things better. And, you know, I just, I enjoy that.

I have a lot of friends that do it, and it just, it intrigues me. What is the business? What are you growing? So what we do is we do bird abatement for agriculture solutions so people who own vineyards and and uh different types of farms they uh they'll hire us they'll contract us out and we show up and we it sounds kind of funny but we use model aircraft we kind of play cat and mouse with the birds all day and so we And so we have a team, generally about 15 people. And we had an opportunity. We passed up a large, about a $900,000 contract in Arizona.

You should have. And rightfully so. Yeah, you weren't prepared to take it on. No. All right, let me tell you what I'm hearing. And let me talk back at you what you told me. You have a pregnant wife with a 15-month-old. Mm-hmm.

Your house is insane. Right. It's busy. No, it's insane. I mean, it's chaos. Yeah. There are very small humans taking up large amounts of calories from both of you yeah and you're flying model airplanes at birds right right and she's over it she's over it she's

she's she's got her gut full man so it's not that a businessman can't be a good family man. It's that the timing of your side business, given the stage of your family, sucks. Right, right. You got a lot of crap at home. If she was sitting with two kids in elementary school and they were somewhat able to dress themselves and go to the bathroom by themselves and stuff like that, then it's a whole different world i mean i got i got grandbabies at this stage when we keep them it's a dadgum chore yeah and i love them i love them but it's like work and stuff you know i mean well so the last two years so because we you know we came up with a compromise and so we started hiring managers.

And so last year we tried it out. It worked pretty well. And then this year we pretty much had the managers run the whole operation. And, I mean, they did a much better job than I thought it was going to be. And so I, I mean, and the thing about being an airline pilot, it's like I do most of my administrative work, my computer work, like when I'm gone. That's one nice thing. It's like I'm sitting at a hotel it's like i'm gonna get this done so when i'm when i'm home i don't have to you know i don't have to focus that's not the point that's not the point drew your wife is asking one question do you love me as much as

a side hustle and i'm going crazy right now and i need your help right no. No, I do love my wife. I know you do. I know you do. She's asking you that. You're trying to show her how much you love her by creating a business and creating extra money and extra margin. And she is saying, do you love me? Right. And Dave and I are both. I mean, you're not going to meet two guys who like working.

I think both of us love work. But I hear Dave say, there's a season to this. It's the wintertime, and you're like, look at these cool shorts I just made. And she's like, they're great, but it's freezing outside. Yeah, I got a 15-month-old. I got a baby on the way. By the way, all of this spells hormones. Did you know that?

Yeah, we've been working through quite a hello quite a bit of post postpartum yeah i mean that's normal it's not but it's not not bad it's just life yeah she misses you man yeah you need to be there hugging babies changing diapers not flying birds yeah not right now i mean i want you i want you to run your own business, Drew. But you ask us a question, and the question is, yes, you can be a successful businessman and a family man. But the spouse has to be able to carry whatever weight that you're not carrying, and you're asking her to carry more than she's willing to carry right now. And I don't think she's being unreasonable. Little babies and a house full of kiddos is chaos.

On top of a $200,000 a year salary. And she's flying. And her 80, he was saying, so about 300 grand they're going to be making next year. And the question that she's asking, the question my wife asked, when is enough enough? Yeah. In other words, she's saying for $75,000 a year, I'd rather have your help. I'd rather have you. Yes.

I'd rather have your help. Right now. Right now. And it might not, it that might, I'm telling you, you might be three, four years and you, you can either restart this or take back over some of the management. You got it, but you got to offload all of it or most of it to be able to manage your help, manage your house right now. That's okay. There's nothing wrong with that. You're working two full-time jobs and you've got chaos at home. And your wife has a full-time job. Yeah. Oh, by the way. Yeah. Wow. Three full-time jobs. Right. So you're not a bad guy. You're just, your timing sucks. Yes. And it's kind of a deceptive question. Yes, you can be a man.

Yes, you can run a successful business and be a good family man. You can't do 50 things at once. That puts us out of the Ramsey Show and the books. We'll be back with you before you know it. In the meantime, remember, there's ultimately only one way to financial peace, and that's to walk daily with the Prince of Peace, Christ Jesus. We'll see you next time.