The Ramsey Show - App - How Do I Get Started Paying Off Debt? (Hour 2)

Episode Date: December 22, 2023

Live from the headquarters of Ramsey Solutions, this is The Ramsey Show. It's where we help you win in your life, specifically with your money, in your work, and through your relationships. 888-825-5225. That's the number to jump in. Jade Warshaw joins me.

I'm Ken Coleman, and we are thrilled to be with you to answer your questions. We're for you. Let us coach you up today, 888-825-5225. Jade specializing in the money questions. I'll specialize in any work-related questions. We'll kind of tag-team any question that comes in, and we believe that your best days are ahead.

888-825-5225. Special segment coming up later this hour. Jade, I want you to tease it however you choose to tease it because these are my favorite segments of all segments, and I don't care if Dave's listening George Rachel John I don't care this is why I love hosting co-hosting the Ramsey show is that a setup okay King you didn't have to fire shots but why that's fantastic this is great yeah we're talking about it's the holidays right Christmas is coming up this weekend and then you got new years and hosting parties ken there's always these expectations how can we save money and have

a great contribution in the midst of that so we are going to have a a a test a taste off that's right i'm going to be uh subjecting myself to your tips that's right and then i am just supposed to comment and this is my favorite thing to do. That's right. There will be beverages. Can you tell the difference between a $10 bottle of wine and a $30 bottle of wine?

We're about to find out. In this sweater today, you would think I would know, but I don't know. I don't know. I don't know. I don't know if it's all surface or if I have a palate

that is good enough, so we'll see. So you don't want to miss it. You're actually going to learn something and save money thanks to my bright colleague over here. So it's going to be a lot of fun. I can't wait. I'm already getting hungry and thirsty. Let's go to Rebecca in Portland, Maine. Rebecca, how can we help? Hi, good afternoon, everybody. How are you doing? Good afternoon, Rebecca. How can we help?

Hi, so I'm trying to figure out how I can get started on paying down all of my debt. And what I had told the dispatcher when I called in was that, so we are on a Section 8 voucher, and so it goes by income. And so between that and then my son's SSI, like, our income's kind of limited, and so I've got already, like, debt collectors calling me, and our rent's going up in a week and a half after the first. So I'm trying to figure out how I can start slowly paying down these debts given what our new budget's going to be. Okay. How much debt do you have total? Roughly about, I would take educated gas, $5,000.

$5,000. And it's what, credit cards? Credit cards, yes. Okay. So $5,000 in credit card debt. And that's it. What about transportation? How are you?

What's your situation there? We just ended up actually having to junk our car about two weeks ago. So right now we don't have a vehicle um we try to take public transit up here uh but the public transit isn't very good and buses here run about once every two hours oh man so we've been having yeah we've been having to take uh a lot of Lyft and Ubers around so I stay about weekly with that back to do two a day let's see they're rounded up about twenty dollars so twenty yeah that's expensive okay i'm gonna say probably about 100 120 a week on with maneuver yeah so we need a car okay now you outlined a little bit of the section eight in the ssi i'm

not an expert on that so i might ask you a lot of questions. How much are you bringing in and are there any limitations on your income because of the SSI? Okay, so with SSI, my son's SSI is based off of my husband's income, so that tends to fluctuate. I know for January, he'll be getting roughly, I'm just rounding off to about $800 a month starting in January, but that could change in the future. What my husband gets biweekly after taxes, et cetera, is taking out is about $1,500 after taxes. And then what was the last thing? Our rent is going up after the first to just over $1,600. And obviously with any programs, whether it's Section 8 or any Medicaid programs,

they count everything pre-tax. So this is net pay that I'm talking about. So you get $1,600. The Section 8, you pay $1,600 towards. That's what it's worth? Yes. Okay. All right.

So I'm looking at your income, and I'm like, okay, I'm seeing $2,300 is is that right the 800 from SSI and the 1500 from your husband oh oh he gets bi-weekly I should say sorry about 1500 bi-weekly your husband yes okay so $3,000 a month yes and then the the 800 from SAI SSI so 3,800 is what you're working with? Yes. Total? Yes. Okay. Now, what happens if you bring in more money?

I have to report it to our local housing agency, and then they have to calculate what our rent's going to be, which is part of the reason why I haven't worked. I'm also disabled, and I have two disabled. Two out of my three kids are on the autism spectrum, so they're considered disabled. So, but yeah, so it does affect our housing and anything else we get. Like right now we don't get SNAP because we're over income for SNAP. Okay, let me, I'm going to just throw out a bunch of stuff and you poke holes in it, but I'm going to throw it out here. And Ken, you're the career guy.

What I know is there's a lot of work from home positions. A lot, a lot, a lot. And you're talking to me on the phone. And I know exactly what's going on. You're here with me. So my question is, is there anything that you can do from home? You're working on your computer. You're working on the phone lines.

I don't want you stuck in this. And I don't think you have to stay stuck in this sixteen hundred dollars like that you know a two thousand dollar I mean a guy called in the other day that was you know that that was his rent so I want you to consider your options here and I think that when you feel backed into a corner you're backed into a corner but I want you to really challenge yourself to open your to open your mind up to look like what could I do what could I do to make three thousand dollars a month because suddenly if you make three thousand dollars a month now you got you know six hundred you almost got seven thousand dollars a month and now we're getting into like a regular

income zone right right average the average before you well, but average is around 67,000. Okay. That's average around 67,000 a year combined. That's where most people are. What is real quick, because we're running out of time. This is an income play. Yeah. Rebecca, what does your husband make really quick? 3,800 a month. 3,800 a month. Okay3,800 a month. Okay. So roughly annually about, I'm going to say between $50 and $52. So Rebecca, here's the deal. I understand your situation with your kids, but this is the pitfall of government programs. You feel like you can't make more money because then they're going to penalize you and you need these services, these services.

But I'm telling you, you making more money gets you out of government housing, gets you off, and you guys can afford it. It's messing with your confidence. You have got, you making more money gets you out of government housing, gets you off. And you guys can afford it. It's messing with your confidence. You have got to be making more money. If you just make $18 an hour, that's going to put you right to shade under $3,000 a month that Jade's talking about. Listen, your ability to move forward on all of this and getting a car. I'm looking at cars right now. $4,000 for a Toyota Corolla in Portland, Maine, 142,000

miles. Go make money, get transportation, go make money, get out of government housing, go make money, supplement your kids' services. This is about increasing your income. Getting out of debt is going to give you freedom. You guys can do this, but you have to attack it like their life and your life depends on it. This is The Ramsey Show. Welcome back to The Ramsey Show.

I'm Ken Coleman. I'm joined by Jade Warshaw. The phone number to jump in is 888-825-5225. We want to help you out on your money questions, your work-related questions. Let's go to Brent in Philadelphia. Brent, how can we help? Can you hear me okay?

I can, Brent. What's going on? Hey. Thank you so much for taking my call, you guys. Jayden. Ken, I Ken, just really quick, I actually just ordered your book a few days ago, From Paycheck to Purpose. That's probably going to help me get some ideas with my career.

But the main issue or the main question I have today involves our second baby. We just found out a couple weeks ago we're having our second child. Very nice. Congrats. Thank out a couple weeks ago. We're having our second child very nice Congrats Thank you. I appreciate it. Um So with with that in mind, we're trying to find some prenatal care and we're looking at using a big white but we're trying to figure out how to cash flow it our I just went through the numbers through our insurance company and found that it's the midwife is a lot more affordable, but it's still going to be about $6,500 out of our pocket before insurance will even cover it.

We have a pretty high deductible plan. Okay. But our finances are pretty tight at the moment, so I'm just kind of looking for a little advice on maybe ways that we could possibly cash flow it or maybe step up in the work department. What's making finances tight? What's making the finances tight right now? Well, I think it's more of like, I don't know if it's necessarily an income issue. Currently, I bring home about $4,000 a month.

So about 48 or 48,000 a year. Our mortgage currently is about 1266 a month. We currently owe about 169,000 on our house. Okay. And then currently we have a couple of debts. I have some student loans that just went back into repayment. Now you guys have spoken to that often. Um, so I've got about $39,000 there and then $11,000 in personal loans.

Okay. So I'm crunching the numbers on there. Um, currently with all of our current expenses, we've been trying to cut in different areas, but we're only, only ending up with maybe a couple hundred dollars extra a month, if that. Like two or three hundred extra a month? Yeah, two or three hundred a month. Okay, yeah. So why do you say that it's not an income thing?

It definitely is. Because I thought, well, Jade's going to sit down and help you with that budget, but after you walk through all this, you're telling me there's not a lot of fat, and then you're saying it's not an income thing so i'm confused okay um it is an income it is you get my point yeah i get it yeah so uh so i i i jumped in there real quick i i want to get back to jade but i mean if i'm if i'm you i'm looking at 6500 is a number that i'm circling on a piece of paper and i go as a dad as a husband i gotta come up with 6500 for this situation and i've got nine months and counting you got nine months ticking down so i start so i start with

at this point what's that yeah go ahead you need to find a thousand extra dollars a month that's what it boils down to you need to find a thousand extra dollars a month that's what it boils down to you need to find a thousand extra dollars a month get after it my friend i'd be dividing it by 65 said nine by 6500 and and now i know what my mark is and i gotta get after it and comma and that's the first thing because that you can go out and door dash that right you can instacart your way into that ken i don't want him instacarting forever. No. And you're bringing another person into this world and these people can eat. Okay. These babies eat. And when they turn three years old, it just is off to the races. So you're going to need to find a way long-term to increase beyond $4,000 a month. And Ken Coleman, take the wheel.

I just want to ask you real quick, until we talk about the future, what are you doing now for the job? So currently I work for a large automotive manufacturer. I'm one of their field service reps. What does that mean? So I basically, I'm technical support for dealerships. Like computers? So if you have a mechanic, you know, someone that turns wrenches on your car at a dealership, whenever they have questions, like if they have a car that they can't fix, I basically, they can reach out to me and I step in and give them advice on how to fix it. Wow.

That's one of the things I do. Wow. So you're consulting mechanics. Essentially, yes. Which means you can fix cars. Yes. And it feels like that is an awesome way to be making some extra money, is taking one of your top skills that is at a premium.

Are you laughing? I'm just laughing because I've actually been tossing around the idea of maybe tinkering and flipping some equipment on the side. My friend, I would stop tossing the idea around and I'd grab a hold of it and do it. Because listen, I'm not knocking DoorDash or delivering pizzas. The Ramsey Show is never going to knock any work. However, time is money. Have you ever heard that old phrase? Mm-hmm. Time is money. Have you ever heard that old phrase? So using your premium skills, meaning the skills that I can get the most money for my time,

is the play for you right now. And you fixing stuff up and flipping it, I stink and love that idea. There's real money in that. And again, we've got a target. And I love what Jade is saying. Long term, we're now going, okay, what do I want to do? Because the reason you bought my book is because you're thinking about the long term, 15 years, 20 years down the road. What does that life look like?

What are you doing for work that far down the road? Yeah, that's true. Yep. But what are you thinking? You got an idea? Well, I think that's part of why I kind of wanted to start thinking because there are jobs available like farther down the line, at least for my career, but they're all back where the company is based.

It's one of the big manufacturers in Michigan. Brent, when I asked you that question, you had an answer. And then you begin to think through it, and you're dealing with some fear and doubt. I've coached almost 10,000 people on the Ken Coleman Show who call me up, and they act like they don't know what they want to do, and I always find out about two minutes in they do. They're just afraid to say it. So because I'm your friend and Jade's your friend and we don't judge anybody,

what's that thing that you've been thinking about that you want to do? Just say it. Well, I'm – let's see. See, you're already trying to couch it. Just say it. I'll tell you if I think you're crazy. I mean, I really want to work with doing some engineering-type work. There we go.

I don't – Hey. But the avenue to do that is to go back. Go ahead. I've been doing some engineering type work. There we go. I don't... Hey. But the avenue to do that is to go back. Go ahead. Go back to what? So we have to move back to Michigan. So right now we live in Pennsylvania,

but we'd have to move back to Michigan, which my wife is not... That's the only place you can do that type of engineering work? I mean, I could move to a job similar to the one I currently have for another company. No, my friend. Brent, you know what kind of engineering work you want to do, yes? You are limiting yourself to saying that you can only do it in the state of Michigan. Am I right? I think you're right. Why is that? Yeah, I know you think I'm right. Did you say you think I'm right?

Yeah. Yeah. Oh, okay. I'll tell you why, Jade. I think that's because, Brent, that's where you think you've got relationships, and that's the only place you can get that kind of image in your work because you used to live there and you used to work there. I think you limit yourself because you struggle with a lot of self-doubt.

Is this true, Brent? That's true. All right, Brent. Now, how is it that I know that? I've never met you before in my life. I'll tell you how I know it. I can hear it on you. And I'm not judging you. I'm telling you, my friend, that we all deal with that. I deal with doubt. Listen, Jay, we all deal with it. What I'm trying to get you to see real quick is that you have been limiting yourself based on your own beliefs. When I walk you through it, you laugh at yourself and chuckle because you know I'm just saying straight up common sense that Michigan and the previous company and the previous industry is not the only place that a guy with your talent and your

passion and your experience and your desire can do engineering work. Is that true or false? That's true. All right, then. So here's the deal. Back to the issue at hand. Start using that skill set right now because you've got to come up with $6,500 for that midwife. And that's the best way for you to do it.

Read the book From Paycheck to Purpose. It's going to be like me in your ear with the speech I just gave you. And you, my friend, need to start to connect and begin to look without committing. Look around the country. Look for companies and industries where the engineering work that you are qualified to do, where you can do it. And as you begin to look, you'll begin to see possibilities that you never saw before, Brent. Congratulations on that baby. But right now, my friend, $6,500 on a whiteboard. Circle it and start getting after it. This is The Ramsey Show.

Welcome back to The Ramsey Show. I'm Ken Coleman. Jade Warshaw joins me. Hey, folks, if you're tuning in right now, live or later, and you're watching now right now live or later and you're watching now and you're going, should I hang around a little bit longer? Trust me, next segment, you don't want to miss it. Jade Warshaw, special segment, how to save money and still entertain the right way during the holiday season. This is the gift that keeps on giving. Yes, it does.

So I can't wait. I'm excited. And I get to just sample whatever she's bringing in here. So for me, it's just... You just want snacks, Ken. You know what? I'm a simple man. So I'm very excited about that. All right.

Clara is up in Louisville, Kentucky. Clara, how can we help? Hey, guys. I am thrilled to be able to talk to you guys. Well, we are thrilled to talk to you. What's happening? Yay. I have a question more for Jade, my money girl.

Uh-oh. Okay. I'm going to smoke a cig while you my money girl. Uh-oh. Okay. I'm going to smoke a cig while you guys talk. This will be great. Okay. We are looking at buying a house next year, and we want to know if we're crazy or we're rushing into it, or if our numbers are looking okay, and what order we need to do things. Okay.

Tell me more. Right now we have $6,200 on a credit card. Okay. $7,000 on a truck and then a $20,000 home equity line of credit. Within the past, since August, we've paid off $34,000 in credit card debt. Good. So we're on a roll. And my goal is to have the credit card and the truck paid off by March. Okay. And then I didn't know, do I not pay on the home? Well, I pay the minimum payment on the home equity line of credit and do our three to six months emergency saving. And then when we sell our house, pay that off and still have 20% to put down on the new house. I'd pay it off. I'd work to pay it off for two reasons. A, it's less than half of the value of your home, I'm guessing. Like it's less than half. Yeah, we owe 124 on our house and we could sell it for 230 yeah because

it's less than half of that 124 i'd go ahead and pay it off and here's the thing if you don't pay it off it's going to cut into your your winnings right when you sell the house right so you may as well pay it off so that money goes right back into your pocket again it's that idea of a forced you're forcing yourself to save the money by paying off this $20,000. Does that make sense? Okay. So you're going to get it back. We still need the three to six months before we buy, or can we take that out of what we make on the house?

Again, it's what you're saying. I see what you're saying, but you need to get the three to six months in place first. And then when you sell the house, that money is going towards the next house. Okay. So if that whole chunk goes straight toward the next house. Because you're going to need it, right? Well, how much are you trying to put down? Well, we would only need about 70,000 to put down. The house we're looking at is around 300. And how much, sorry, you told me this, but I missed it. When you sell the house, how much will it bring in total?

Uh, 230. No, no, no. How much will you take home? So we should have, oh, we should have about 110. 110. So you're saying, and that's after fee, is that after fees and you've considered all that before okay so let's consider fees and let's let's knock off 15 all right and let's say that you let's say you bring home 95 so you're saying hey we don't we didn't we never plan to put that full 95 down

and we can take some of that and put it as our emergency fund? Right. Well, what would it... We still have the 20%. Listen, the way my mind works, I'm like, I want to put the full 95% down or the full 95,000 down. 90. Okay. How long will it take you to save up three to six months? Maybe two months. I would...

Listen. Listen. Save up that three to six months. It's all the same. You know what I'm saying? It's a big pool of money and I see what you're trying to do. You're kind of trying to shift it so you can move faster. I, I would rather you have that extra $15,000 to put down on this mortgage.

It's okay. In the long run, you're going to thank yourself for it. And it's only going to, it's not like it'd be one thing. If you said, Jade, it's going to take a six more months to save up or another year to save up. That'd be maybe a little different. I might change my answer.

Maybe not. But in this case, it's two months. Like just wait two months. Right. You know, and then you've got more money. You've got $15,000 more in your pocket and that's going to go towards your mortgage.

I love that idea. Okay. All right. Well, well thank you you're welcome my problem clara did you get what you needed from jade you needed me anything for me at all i mean anything nothing your cigarettes gone out great i see how i see how this is clara i see how this is uh no. Oh, Merry Christmas. I see how this is. No, we love you, Clara. Thank you very much. Merry Christmas. Yeah. She didn't want to ask me anything. Listen, Ken, in that sweater.

I get it. I know. I think it's intimidating. You know, it puts off the wrong vibe, I guess. It's very to me. Alex is up in San Antonio, Texas. Alex, how can we help? Yes, sir.

Good afternoon. I owe my sister $20,000 that I would like to pay her back. She loaned me this money earlier in the year and we invested the money but it didn't pan out. So I was calling for your opinion on getting a loan. And if so, what wish would be the best out of the loan? Okay, hold on a second. So you got your sister to give you $20,000 for some type of business investment.

What was the investment? Yeah, what was it? It was property, but it's out of the country. It's in Peru. Okay. We've got a little dicey, and it hasn't panned out. What does that mean? I would like to pay her the money.

I know. What does that mean it didn't pan out? Well, we've run into some obstacles, legal obstacles. Evidently, the people that we were dealing with weren't entirely honest with us. So the money's gone, and you have no recourse. Right. How's your sister taking it? Well, she's been pretty patient with me.

She's not harassing me at all or keep reminding me. When were you supposed to pay her back? Tell me the initial plan because I'm trying to gauge what your timeline is here. We were supposed to pay her within a couple of months. It's been almost a year, and it's gone just a little bit longer than I would have wanted to. Got it. Okay. But you're broke. You're broke, and you're thinking, now I've got to get this monkey off my back with my sister,

so I'm going to go get a loan, and I'm then going to just pay the bank back. And I just think that's ridiculous. I'd rather you be spending all of your time and effort just paying your sister back. You don't need to go to a bank or a credit union or some private loan shark type situation where they're going to charge you enormous interest rates. Just start paying her back. Could you pay her $1,000 a month? What would need to be true for you to pay her $1,000 a month or $2,000 a month? Could that happen? Yes, I could pay her $1,000, possibly $2,000 if we really discipline ourselves. Then start doing it. This is your sister, man. She loaned you the money.

Man up. Start paying it back. What was that? I would prefer to just pay her because I see her. You can't pay her $20,000. So pay her what you can. Because here's what can happen. I want to lay out two sides of this. Unless you tricked her, right?

When you said, hey sis, let me sis let me borrow 20 000 i have this real estate thing that i want to invest in when you say the word invest you any person knows okay there's a chance i could make money and then there's a chance i can lose money so she i'm guessing she knew going in there was a chance that you would lose this money and if that was the case she wouldn't get her return back as quick or she wouldn't at least get the money that she invested back as quickly. So there is part of that.

There is part of that that's true. You both agreed on this thing. I think it was a terrible agreement, but you both agreed to it. So there is part of that where it's like, okay, like you said you were investing in this. It didn't pan out. So it's going to take a minute to get the money back.

I'm afraid of you getting a loan because I think if you get a loan, it's going to cause you to move slower on this than you need to. Because as Ken said, the monkey's off your back. Now you can just be willy nilly with it. When it's your sister, you're going to, you know, move. I don't know if I can say you can move hell and earth to get this money. Right. And so I want that kind of intensity for you to pay her back because you don't know if I can say you can move hell and earth to to get this money, right? And so I want that kind of intensity for you to pay her back

Because you don't like this and I like that You don't like it because that's what's going to make you move and you need to move my brother And let me tell you something if you go get a loan That interest payment is going to be more punishment for something that you already did. That was dumb. Don't multiply dumb Learn from the stupid mistakes. We've all done them. Move forward. Start paying her what you can each month. You'll get through this. This is The Ramsey Show.

Welcome back to The Ramsey Show. I'm Ken Coleman. I'm joined by Jade Warshaw. And, you know, we've for years and years and years, decades, been coaching people to win with their money. And a big part of it is budgeting. Every dollar, the world's greatest budgeting tool, saving money. And so this segment is all about you saving money in the holiday season.

I turn it over to my unbelievably qualified budget queen herself. Oh, budget queen. Jade Warshaw has got a plethora of things here that i get to sample take it away man okay so you're right i love it we're doing this money thing it's that time of year it's the holidays ken yes parties yeah is what i'm talking about christmas parties new year's eve parties they're all over the place and you want to participate even if you're in baby step two paying off debt you want to find a way to participate and the number one thing i i would take a poll if you want the number one thing when you go to somebody's house and you're like i gotta

bring something it's a bottle of wine right let me bring a bottle of wine but then your mind immediately goes to okay like i only spend like seven to ten dollars on a bottle of wine but i don't want to walk in there you know with a barefoot you know the barefoot with a yellow tail right so do I need to spend thirty dollars and honestly can they really tell the difference can you tell the difference Ken between I don't know I think it's about an expensive bottle let's find out it's about time this is a thirty dollar bottle of wine that was brought to me in my home all right i'm not gonna so when you pour it i don't want to look i feel i'm gonna look this way so because i i want to be able to figure out if i can tell yeah because if i see you pour it then i'm cheating so this is the

it's a 30 ball of wine that somebody brought me okay compared to my favorite bottle of wine which is 9.99 you're kidding me $9.99 really it's my favorite it's called apothic red now okay oh yeah yeah okay have you poured it yes okay okay drink the first one i know i know which is which taste it i always have to do the sound effect kills the guys in the booth that's pretty good that's pretty good okay uh i need to uh no no you're not wiping it you're washing it down already i was gonna eat something okay here we go that's a different portion

now this one is much smoother without question which one did i pick you don't know you picked my favorite i picked the ten dollar wine? You picked the $10 wine. I'm not kidding you. You picked the $10 wine over the $30 wine. I have no idea. Wow, okay. So if you're looking for a good one. A little disappointed in my palate. $10, Apothic Red.

Okay, I'm going to hold on to these two over here for the commercial break. So what I- I put those right over here. The reason it's better is because it's a blend. So if you're going to get a cheaper bottle of red, go for the blend't go like a cabernet or 9.99 9.99 by the way i want to add a little value to this because you're the budget queen i would take jade's bottle and i would show up with pride to the party and just present it and say this is one of my favorite wines it's a blend say a little something about. They don't know it's $10 unless they look it up.

I love it. All right, let's try it with the white. I'm going to turn the other way. All right. Now, I do think that there's a little bit more leeway with the white wine kind of deal. Why? So, Ken, I just, I don't know. All right, I can't see what you're doing.

All right, here's the first one. All right, now, what am I choosing between? These are Pinot Grigios. Okay. It's very refreshing. I like that refreshing okay now try the next one by the way one of these is a 38 bottle of wine i think it's 38 it's my favorite poulet fusée um i like the flavor of the second one better okay flavor of the second one better in this case you did pick the 30 wine oh but is it truly can no a $25 difference or $20 difference i would tell you no so would you be okay if somebody brought this yeah this cupcake wine how much is this wine guys i have

a picture here this cupcake wine is oh boy it's cheap it's $9.99 i think $9.99 yeah there wasn't that there's not a big difference there was not a big difference so let's be honest admittedly I'm not a pinot guy if you're truly concerned about this what I suggest just get a bottle of that well you know Martinelli's it's not it's non-alcoholic it's that apple cranberry sparkling juice am I trying that next no but the point is there's no expectation. When it's that, it's like, okay, I know what it is. You drop some cranberries in it. It's sparkly. It's still festive and it's like under $5. So if you're unsure what wine to bring, bring the

non-alcoholic kind. Martinelli's, it's great. The sparkling apple cranberry. Then there's no stigma attached. I'm trying to stay on focus. So we need to go to the next one. This $10 wine is fantastic. Now. I feel like my advice is going to be better in the next hour. Listen, I didn't have any. You're hogging it all. It's my role. I'm supposed to be the taster.

If you want to switch roles, then that's your problem. No, I'm going to do mine off camera. All right. What do we got next? So if you're going, if you're hosting, you're like, Jade, I'm not a wine thing. I'm not doing the beverage. What else should I bring? Sweet snacks.

I was going to go with the cheese and crackers next, Ken. Oh, I apologize. Cheese and crackers. Cheese and crackers. Now, here's the thing. Let me be a good co-host. There you go. We lost one.

If you're going to do it, buy a block of cheese yourself and slice it yourself. You're going to earn so much more money back into your pocket. Okay? If you buy a block, you can buy a 16 ounce block of store brand cheese and it's 43 cents an ounce. Really? But if you buy it pre-sliced, you're paying almost double per ounce. Okay.

It takes two seconds. It takes two minutes to just slice it up yourself and it tastes better. See if you can tell which one. Oh, okay. So we have pre-sliced and then jade sliced. Yes. Oh, so these are just for me to sample. Yes.

All right, I'm going to skip the cracker and go right to a little bit of the cheese. Okay. You're skipping the cracker? Wow. You know, for time, I want to get right to it, you know. There you go. Not bad. Okay.

And then try the other one. Can you tell the difference? Indiscernible. Indiscernible. I can't tell the difference indiscernible indiscernible i can't tell the difference but you saved money and i always say like listen it's store brand is the same cheese it's the same one is the store brand you saved uh two dollars by slicing it yourself and i always say like buy store brand don't go crazy on the cheese if you want to spend money get fancy crackers okay the crackers are what makes the plate look pretty they're what give it like some have you seen have you seen the movie four christmases yeah who hasn't you can always go spray cheese no that's no that's disgusting ken coleman i know it's not even real yeah you don't have any home training though

the people in the lobby thought that was funny you know horse devers anyone it's one of my favorite herbs yes all right now let's talk about dessert if you really to me if you bring a dessert if you really want to look like you did something but not really do something bring a dessert now here's the thing if you go to kroger you go to public's you go to hy-vee wherever and you get something out of the bakery do not bring it to the party in that old, you know, that plastic tin that it comes in. That's like, when you try to open it up. You know what I'm talking about? Yes. Great sound effect. I wasn't ready for that.

Don't bring it. Put it on a nice platter. Oh, this is a very nice platter here. But better yet, just make it yourself. So we have two brownies here, Ken. Which I can't tell. One is made by you. One is made by me. It's a little bit more rustic. It's a little more homey, but it also looks very fudgy and delicious. The other one is a store-brought.

And by the way, I was able to make brownies at home for $2 cheaper than buying them. And I got more out of it. Okay. The store-bought ones, I spent $14 or something like that on them. So we're running short on time. so I just have a bite of each. Yeah, tell me which is best. Which is best, okay. You tell me, and get into it, Ken.

Get involved. I don't know if this is store or you, but it looks good. I got some powdered something on the top. Get into it. Oh, oh, Lord. Oh, that's unbelievable. I don't have enough time. James, you have to come in here and help me.

Now, try that old crusty one over there and you tell me which one i think she gave it away it's light brown i will tell you the one i just had it's very moist it's fantastic listen don't give me a light brown brownie what's wrong with you guys at public's it's not the same. It's not even close. Whatever you got in there, that was very fudgy. It had moisture in it. This is dry. If you want my brownie recipe, go to Jade Warshaw on Instagram. I'll post it this weekend.

How long does it take you to make those? Five minutes. You make those brownies in five minutes? That's not true. Yes, you put all the ingredients in one bowl. There's no steps. You put it all in one bowl, mix it up, put it in the oven. They cook for 45 minutes.

It's easy. Okay? I'm going to show you guys how to make them. Sam, do you like these? I'm going to tell you. This man is a lucky man. He's a lucky man. It's amazing he's not 600 pounds.

My 600-pound life. Folks, I'm not just saying this because she's my friend and co-worker and co-host. This is the best brownie I've ever had. Jade, seriously, this recipe. You're not the first to say that, Ken. At Jade Warshaw on Instagram. Ladies, go get the recipe. She's going to post it tonight.

I've got to go find a glass of milk. We've got to pay some bills. Don't move. This is The Ramsey Show. Take care.