The Ramsey Show - App - How Do I Save for My Son After Getting a $150 Million Settlement? (Hour 3)

Episode Date: October 31, 2019

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Live from the headquarters of Ramsey Solutions, broadcasting from the Dollar Car Rental Studios, it's the Dave Ramsey Show, where debt is dumb, cash is king, and the paid-off home mortgage has taken the place of the BMW as the status symbol of choice. I'm Dave Ramsey, your host. Thank you for joining us, America. Open phones at 888-825-5225 that's 888-825-5225 joshua is starting off this hour in virginia hi joshua how are you i'm great how you doing man better than i deserve how can i help awesome okay so my girlfriend is moving in with me soon and we haven't been dating super long so we're not ready to get married because I know that's how you prefer to do the finance.

How would we do a budget together? We have separate accounts. How old are you? I'm 28, and she is 22. Okay. Is that what you would want your daughter to do? I'm not entirely sure. We thought a lot about it, and it seems like the right decision. Okay. Well, if you're going to go forward with it,

which I would advise against that, there's all kinds of data points and statistical evidence that indicates it's not good for your future marriage, although it seems logical that you would try on a pair of shoes before you bought them, but this is not a pair of shoes. This is a wife, or maybe. I mean, you haven't even been dating that long. But anyway, so that would be against my advice in general.

But if you're going to do this, you need to keep everything completely separate. This is a roommate. This is not a wife. And so, yeah, and don't make decisions financially based on anything together that is past tomorrow. I mean, maybe, you know maybe a meal or something is fine, or you can split the mustard or whatever. I don't care that it's in the drawer of the refrigerator. But for goodness sakes, don't be buying houses together, cars together.

Don't be loaning her money, giving her money, or vice versa, any of that kind of stuff. Because number one, it'll screw up the relationship. But number two, it'll screw up the relationship. But number two, it'll screw up the relationship. And then number three, when everything goes split someday, and it likely will based on what you're telling me, then you're going to have all these money problems tied into the heartbreak of the end of the romance.

And so it's a roommate. If it was your college buddy moving in and there was no sex involved and you just split the expenses and you run the finances exactly the same way. Carrie is on the line in Tennessee. Hi, Carrie. How are you? Good. How are you, Dave?

Better than I deserve. What's up? Awesome. Well, my question is, my husband and I have had a really bad struggle with trying to get on one court and combine finances. We've been there for five years. We've been counseling for the past four. How's the counseling going? Counseling, it's actually okay.

It has helped. However, it's still a struggle. What were you working on? Everything, emotional, financial, you know, a variety of things, parenting. Okay. All right. Well, I hope you're making progress on some of those things there's no no shame in getting some coaching getting some counseling on how to do life because none of these kids don't come with a handbook and marriages don't either and

sometimes if you didn't come from a background where there's something healthy it's hard to know what to do you know uh you don't the only way you know how to act with your kids is the way your parents did and that may or may not have been a good model uh for different people right so you know if you're making progress on all those things then you're probably making progress on the money piece as well then if you're not making progress on the other things you're probably not making progress on the money piece that make sense? Yes, sir. Because if you learn to work together on parenting, you learn to work together on treating each other with respect and kindness and compassion and forgiveness, and you learn to work together

and do relationships right, then the money piece kind of follows that. It seldom precedes it. If you've got all these other things that are broken you know just learning to work together on the money it might open the door to learning the other things that'd be neat sometimes that happens uh but if the money thing is not the main problem um sometimes it helps with the other stuff but it usually follows the other stuff getting healed and so i'd encourage you to lean in with that counselor and just say, hey, we really want and with your husband and say, we really want to make progress on the overall relationship.

And I think you'll see the money come together at that point. The good news about money, using money as a part of your marriage healing and counseling for that matter, is that Jesus said your treasure is where your heart is. So where you spend your money says what you value. And if you come into agreement on your spending, where the money is going to go every month doing a budget together, you're really agreeing on, you're getting a unity, a oneness on what we value. And if we value getting out of debt or we we value getting a different car, or we value

going on vacation, or we value money and savings for an emergency, or we value getting our nails done, whatever it is, you value, your money flows towards it. And so when you are in agreement on those things, because you're trying to make your budget work, it makes you discuss all the other areas in your life too. And it can be a real positive part of a marriage being healed. So I really encourage you to continue to work on that. That's very, very cool that you guys are doing that. Congratulations.

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Visit LinkedIn.com slash Ramsey. Terms and conditions apply. Thank you for joining us, America. Mariah is with us in Nevada. Hi, Mariah. How are you? Hi, Dave. I'm good. How are you?

Better than I deserve. What's up? Okay. I am a single mom, single income. I'm a homeowner. I bought my house two years ago, a little over two years ago. Currently, I owe 110. I spoke to my lender about maybe just lowering my interest rate. And she let me know that after, you know, going over numbers, that it will look, you know, good

if I did a conventional loan, if I refinanced into a conventional loan. I will be able to take some cash out. She told me if I take out $30,000 and just did the refi, that my mortgage would stay at what it is or even go up maybe $20 to $30. With that $30,000, I plan on paying off my credit card debt, which honestly, I have been kind of living off of to maintain. And that will free me up about $250 to $300 a month if I take the $30,000 out, pay $10,000 of my credit card debt off, and then do, of course, some home improvements with the remainder if I take out the whole $30,000. What do you make a year? What do you make a year?

Oh, I'm sorry. I make about $35,000 a year. Okay. Okay. And so you're not able to maintain, I make about $35,000 a year. Okay. And so you're not able to maintain your bills on the $35,000? No, not when it comes to emergencies. I'm able to take care of my bills, but there's no room for savings. Mm-hmm. How much is your house payment?

I currently pay $744. The only debt you have is a credit card? Credit card, I have a lease on my vehicle. I pay $344 a month for it. Yeah. But outside of that, I don't have any student loans or anything like that. Okay. So here's the thing.

What you have mathematically now is not sustainable. When you finish with this refinance, what you have mathematically then is not sustainable. You're going in the hole now. Okay. And nothing's going to change after the refinance except the credit card debt. You don't have the payment on it, but you've not been making it, and you've been going into debt. So we're not fixing your problem by doing this.

You're moving some stuff around. You're not getting out of debt. You're refinancing the debt. You're moving your overspending and the fact that you're not meeting your bills over onto your mortgage. Then what are you going to do next time that after this runs up yeah i don't know yeah that's not a this is not a plan so um your mortgage lender doesn't give a crap about you all they want to do is loan you money and that's their only goal so um what is your current interest rate um i'm at 4.6 yeah i mean you might save

one percent on this which would save you a thousand dollars a year no i would not refinance um i would sell your car and i would start looking for some extra work and i would look to see what else i can sell If a car you definitely can't afford that's what's killing you in this equation. Yeah. And you got to get your you got to get your budget balanced by getting the credit card debt paid off and get rid of the car payment and that'll get your budget balanced and the interest rate on your mortgage is not really I mean you could you could save a little bit refinancing, but that's not really going to solve your overall problem. You've got a cash flow problem. We've got to get your income up short term by some extra work. We've got to get your income up long term by possible

career changes or job changes so that we say, okay, what do we got to do that we're making $70,000 a year five years from now? What are the steps we've got to do to do that? And let's overall work on your income side. In the meantime, this is a car that's completely out of line. This car is killing you. And then, you know, start whittling that debt down, get you about a $5,000 car and pay cash for it, or get it on a very small loan and get that paid off

and get the credit card debt paid off by working extra and having a garage sale and beat, beat, beat, beat, beat on this. And then when you don't have a car payment, you don't have any credit cards. Now you've got a little bit of wiggle room in your budget. Plus your income's coming up through this time with extra work and possible new career directions. So here's what we're going to do. We're going to help you with the whole thing. I'm not going to just tell you what to do. I'm going to walk with you while you do it because you're scared. You're a single mom. You're out there trying to figure this out by yourself. You're starving to death on $35,000. So I'm going to help you. I want you to go through Financial Peace University and I'm going to pay for it. It's a one-year membership and part of

the membership is you go to the nine-week class called Financial Peace University and you get on every dollar budget which is tied to your bank and opens up everything and allows you to connect to your bank and get everything done and on top of the Financial Peace University I'm going to send you Ken Coleman's book on careers which is the proximity principle so you read the book and you get in Financial Peace University, read the proximity principle book, you get in Financial Peace University, we'll help you walk through this, get the car sold, get the credit cards paid off, get the income up, and then maybe someday if interest rates come down a little more, which I doubt they will, but if they do, then maybe

you look at refinancing. But the benefit of you refinancing right now interest rate wise is not enough to fool with it on your loan amount size and your lender was not doing you any favors they were getting ready to say they were saying stick your neck in this noose and we're going to tighten it for you that's what they were saying let's get you further in debt and not solve the cash flow problem that you have. Oh, and you can even do some home repairs. Isn't that glorious? See how it sounds so wonderful until next Friday when all the payments are due.

And you didn't change your situation at all. You're still in a freaking mess. And that's what you've got to avoid. So, hey, thanks for the call. Jonathan is with us in Texas.as hi jonathan how are you i'm great dave how are you mr ramsay better than i deserve sir what's up so um during the spring during april my father owed some taxes to the irs and he did not have the money and he didn't do the thing where he takes me out of his paycheck, however that works. And so I've been working since I was 13 and he knew that I had a

bunch of money in the bank. So he went to me and he was like, Hey, um, you know, can I borrow this? If I borrow from the IRS, it's going to be a bunch of interest. So, you know, he convinced me and he said, he'd pay me back about a thousand bucks a month he'd get it back to me about six months and i haven't seen a single penny of it since since you know how old are you uh 17 sir how much money did you loan your father six thousand okay and so when you ask him why he isn't paying you as agreed, what does he say? That's what I wanted to ask you about, sir I wanted to know how to ask him that

I confronted him during the summer in June If, you know, he was working on ever, you know, getting it back to me And he said, life happened, and I'm working, I'm doing my best Do you live in his house? I do, yes, sir. And you're, what, a senior in high school? Junior in high school. Yeah, so what are your plans in May?

For graduation? Yeah, after you graduate, what are you going to do with your life? I plan on going to community college, and then hopefully get a science degree. And then living there while you're doing that? Yes, sir. Yeah. The reason I ask is the harder you push on this, the more uncomfortable it's going to be to live there. Yes, sir.

You're right. So. Would you recommend. I'm not a fan of your dad who borrows money from their 17-year-old and then doesn't pay it back as agreed. And his answer when asked about it is life happens. So I'm not a fan of that, son. But I don't know exactly how to tell you how to confront the guy when you live under his roof. I don't think you're really in much of a position to do that.

So I think you just gently say dad you know this is scaring me this is a lot of money to me and we really need to work this out because i need this money to go to college next fall and just keep asking him that way and see if you can work this out uh and wow ouch Ouch. Folks, let's cut through the bull. Interest rates are exceptionally low, so you're missing out if you have not called Churchill Mortgage to see if you can save money on your home loan. Lots of other companies are out there claiming great deals, but don't get lured by slick advertisements. No-cost refinance offers do not mean they're free.

Churchill Mortgage has a no-bull refinance. This means there are no hidden fees. They will shoot straight with you. Yes, Churchill can offer loans with no closing costs, different down payment options, or, of course, a traditional refinance. The key difference is you can trust my friends at Churchill to let you know what you're getting up front so you can make the smartest choice and save the most money. Go to churchillmortgage.com. Do it today while rates are low. This is a paid advertisement. NMLS ID 1591. NMLSconsumeraccess.org. Equal housing lender. 761 Old Hickory Boulevard, Brentwood, Tennessee 37027. Cliff is with us in Arizona. Hi, Cliff. Welcome to the Dave Ramsey Show.

Thank you for taking my call, Dave. My pleasure. My question for you is, I'm a single father of 55 with a 10-month-old son, taking care of him all by myself. Big life changer for me. I'm financially set for life. And what I'm doing is I'm taking anywhere from $1,000 to $1,500 a week and just putting that into a savings account for my son so that when he's old enough, like between 18 and 21,

he can go in there and he'll have a financial cushion to him. My question is, is that a smart thing to do, or should invest in cds for him now and just let him keep building up or you know i'm i'm serving the crossroads there yeah how old is he uh right now he just turned 10 months uh two days ago okay and so he's an still. So we have 20 years to invest in an account for him to have a financial pad. Right. Okay. What about college? I've got a college account set up to where I'm putting in the same amount,

between $1,000 and $1,500. A week? Each week. Yes. So you're setting $100,000 a year aside for this kid? Yes. I think this morning needs. So what would you do that for 20 years? This is going to be millions and millions of dollars

that he's going to have when he's 21 years old. Right. What does he do? Being 55 years old, I may not be around, you know, for a super long time after he turns 18. But the thing is, okay, so what happens to your estate when you pass away if he's still a minor? They'll go into a trust with another family member until he turns 21 to be

used he's the sole heir yes okay all right cool i don't think you have to put all this money in his name it's fine to leave it in your name and if you want to give him some money when he turns 21 if you're still around that's easy i would make sure his college fund is funded and if you want to put some in. But you're jacking this with an incredible amount of money. What is your income? Well, I'm retired now. I got hit by a DUI attorney who was intoxicated,

so we sold out for a nice big millions and millions of dollars sum on that. How many millions of dollars do you have? Right close to $115,000,000 now. $115,000,000? Yep. Holy groly. What is that invested in? Well, I ended up 10 years ago, I bought a 225-acre ranch up north of Black Canyon City,

and I've got horses and stuff on the property, just riding horses. I do a lot with community services for rehab for children and adults with the horses. So the whole $100 million is invested in the ranch? Oh, no, no, no. Okay, so what's the $100 million invested in? Nothing. It's just sitting uh it's sitting there in savings because i wasn't one i wasn't one to believe in investing in stocks because as far as i'm showing you invest in stocks they're they're making money off of my money and there's a chance i lose it all zero credit cards i got rid of my credit

cards a long time ago when i first started listening to your show my credit cards. I got rid of my credit cards a long time ago when I first started listening to your show. My credit cards were all paid off. They got cut up. I'm not in debt to anybody, don't want to be in debt to anybody. And so if you made 10% on $100 million a year, that would be $10 million a year. And instead, you're making less than a million on your 100 million

so you're losing about nine million dollars a year by not having this money invested into something conservative and wise not high i don't want to put you in high risk i lost everything i own dude i don't i don't believe in high risk stuff but a good mutual fund that has a 60 or 70 or 50 year track record um that does go up and down and there is no guarantee on it but right now you have a guaranteed 1 million i'll take a possible 10 million over a guaranteed 1 million every time uh when the possibility is based on a 60 year or a 50 year track record you bought the ranch and you weren't scared to buy it and there's no guarantee with it no there's no guarantee right i mean right and so that's the point i i think you're i think you need to do some uh get some advice not to turn your money over to someone blindly,

but to start learning about investing gradually over the next few years. And you need to start moving some of this money into some real estate that makes money, maybe, if you like real estate, and maybe some of this money into mutual funds. That's what my money's in. And both of those things. And I have a net worth far exceeding $100 million. So the one building I'm sitting in is worth $70 million. And it's paid for. So we know I have more than that, right?

But that's the process that you've got. But it's just a matter. The reason I'm comfortable with all of those things is because I've learned about them, not because I blindly trusted some guy on the radio or some guy with a nice suit in an office who had sounded slick. So I think you need to probably, I know you need to learn more about investing, get a comfort level, and gradually over time, I mean, take $5 million of the $100 million and invest it. See how it does and fool over time i mean take five million of the hundred million and invest it see how it does and fool with that for four or five years and then invest some more and then invest some more if it works and buy a few pieces of real estate here or there

that are creating income not just the ranch and um all of that and then in the process of that in terms of taking care of your child all of that is going to take care of your child if you pass away because it's all going to be invested and it's all going to be there to take care of them in that trust and um you don't have to set aside uh a hundred thousand dollars a year for the kid um because it's there and you've got the money and if you need to if you're alive you can simply give them some money if if you want to send them through school or if you need to if you're alive you can simply give them some money if if you want to send them through school or if you want to get them set up and certainly if you die then it's being left to them anyway so no i would not be setting aside a hundred thousand dollars in a savings

account for a 10 month old i would be investing some for college and i would be investing all the rest of it for you as long as you live and for him in the estate by learning a little bit more if you want to learn just go to smart investor click smart investor at dave ramsey.com one of them will sit to click you decide sit down talk to one of them if you feel like you're you know you're being misled or you feel slimy get out of there but i think you'll find someone that's kind and calm and wise with the heart of a teacher and that will show you as a beginning investor how to invest gradually. And that's what you're looking for.

All right, let's go to Miranda in Arizona. Hi, Miranda. Welcome to the Dave Ramsey Show. Hi, Dave. It's a pleasure to speak with you. You too. What's up? I have been gazelle intense about paying off debts the last 16 months.

I paid off over $22,000 in that time. I paid off all the credit card debt, medical bills, and I just have a little bit left to go on my husband's student loan. However, I discovered some messages between him and his younger brother of him saying, don't tell my wife about that credit card. She doesn't know. And then the brother asked if he could be on the card so he could, quote, rack up the miles for him.

And, yeah, I just don't really know what to say about it because it's quite scary to me. I'm 27. He's 26. We've been married for five and a half years. Are you in a good church? I am, yes. Is he? No.

He's a Christian, but he doesn't really make the time like I do to go to church and stuff. Yeah. Okay. Well, I think what you just discovered is that your husband has been lying to you, regardless of what the subject he's lying about is. That says we need marriage counseling because trust has been violated. It's hard to trust anything he says once you know he's lying, right? Correct.

It's running through your head. What else is he lying about, isn't it? Exactly. Yeah. So I think you need to sit down and tell him you learned this Correct. It's running through your head. What else is he lying about, isn't it? Exactly. Yeah, so I think you need to sit down and tell him you learned this and that you're unbelievably upset and that we need to go to marriage counseling and I'm going to try to save our marriage to see a marriage counselor. The pastor is going to line that up. If you don't want to go, then that says what you think about me and our marriage.

But I'm going to go to the marriage counselor by myself or with you because this lying is not okay. How's that? This is The Dave Ramsey Show. Our scripture of the day, Hebrews 12, 2, Let us fix our eyes on Jesus, the author and perfecter of our faith, who for the joy set before him endured the cross, scorning its shame, and sat down at the right hand of the throne of God. Brene Brown said,

Nothing has transformed my life more than realizing it's a waste of time to evaluate my worthiness by weighing the reaction of the people in the stands. Good line. All right, Kelly is next up, and Kelly is in Kansas. Hi, Kelly, how are Kansas. Hi, Kelly. How are you? Hi, Dave. I'm good.

How are you? Better than I deserve. What's up? So I have a vehicle question. I'm in Baby Step 2 and trying to be gazelle intense. I got a second job. I have about $45,000 in debt, and I make about $65,000 a year. And I only owe $9,200 on my vehicle. It's a 2014 Toyota RAV4. And I was just wondering, I've been looking at early 2000s, like Honda Accords and

Toyota Camrys that I could probably buy with cash in about a month or two. And I was wondering if I should sell my car, it's worth about $9,000, and buy a car with cash to help eliminate the debt, or if I should just stick it out and pay off the car that I have. Okay. That's a good question, and the fact that you're willing to do that is a good indicator that you'll get out of debt. So the rule of thumb i use is is your car or cars or vehicles of any kind all added up worth more than half your annual income if this is your

only car and that's your income it isn't so it doesn't violate that rule the second rule is can you be debt free other than your house car and everything in two years or less. And so $40,000 is what we need to pay off in two years making $60,000. Did I understand that right? Yes. I make $65,000 and then I just got a second job that I'm hoping to bring in an extra $9,000 a year. Okay. And so how fast do you pay off $40,000 if you keep the car? I'm estimating about 15 months.

Yeah. I'd keep the car. Do you like it? Okay. I do 15 months. Yeah. I'd keep the car. Do you like it? Okay. I do like it. Okay. I need to put new tires on it and things like that. Yeah.

But besides that, it's a great car. But I was just wondering, you know, I could eliminate the $9,000 in debt and get there faster. Yeah. You would get there faster. But here's the thing. Okay. You would get there faster, but here's the thing. Okay, if you get there, if you're going to pay off $40,000 in 15 months, then this car would be one-fourth of that would be knocked off. Okay, is this making sense?

So it's going to knock off about four months. Yeah. And here's the thing. What are you going to do after you're dead free four months early one of the first orders of business is going to be to save up and move back up in car right so i mean it's a four month difference on a 15 month schedule i if you like the car i think you've made it i think you work your way through okay Okay. Does that make sense to you? Yes, yes, it does.

I was just, you know, looking at it. If it was going to knock through, you know, if you had $40,000 worth of debt and you had a $40,000 car, so it was more than half your annual income, I'd sell it and get you out of debt. Yeah. Put you in a $2,000 Honda and we'd get on the business of saving up and moving up to a $10,000 car later, right? Right. But it's not going to make your get-out-of-debt plan dance.

Gotcha. Thank you so much, Dave. I appreciate it. Thank you. Open phones at 888-825-5225. Amber's in Kentucky. Hi, Amber. How are you?

I'm good. How are you? Better than I deserve. What's up? Well, me and my husband just started your plan this last week. Cool. We just signed up for FPU and got your book. Wow.

And I've been on my husband for the last year. We need to do this. We need to do this. And he's maybe, maybe not on and off all year. And we went through one of your videos, the first step, and he was like, fine, we'll do it. I'm throwing my hands up. I'm done living this way.

And through the last year, we've saved up $1,000 three different times. And this morning, my husband was rear-ended. And we have... Is he okay? Yes yes he's all right um is the car torn up we it's it's damn it it's it needs work now um but we were we were planning on finishing this third thousand dollars with the next check yeah that came. Yeah, why can't you? Is the car operational? Yes. And the other person's got to pay for it, right?

See, that's the thing, that the other guy ran off. Oh, is it hit and run? Yes. Okay, so will the car run? Can he drive it to work? Yes. Then don't worry about it. Just drive it to work yes then don't worry about it just drive it keep going so don't worry about a dent in your car don't worry about a dent in your car

well i guess you got a point you have a dent in your car you'll fix it after you get out of the mess okay yeah okay here's what happens okay uh And this is what's happened to you in the past, and it's changed as of this last week when you guys made the decision together that we're not only going to get out of debt, we're going to go to Financial Peace University, and we're going to learn how to handle money. But what happened to me, and this is happening to you, too, I can tell by the way you're telling the story, it seems like when you're broke and you have no money everything that can go wrong will go wrong it seems like when you're broke and you have no money your whole freaking life looks like a country song you know and that's what this feels like right here and you know we

finally get started and he gets hit in the back oh my gosh well thank goodness nobody's hurt it's just a dent in the stupid car, right? But it just feels like we can't get ahead. You know, if it weren't for bad luck, I'd have no luck at all, you know? Right. That's how it feels when you're broke. Yeah. It just feels like every time we get ahead, we take two cents back.

Yeah, exactly. And so here's what happens the thing that breaks the back of that negative momentum is your commitment to a new life and the written budget with a plan so now the written budget with a plan and your commitment to a new life says ah this is this is really bad i have a dent in my car this is really bad. I have a dent in my car. This is inconvenient. It's not going to take me off track, though, because, by God, we're on a plan now. I'm going to put my $1,000. We're going to get out of debt, and we're going to end up with $25,000 in our emergency fund and no debt. And then when stuff like this happens, we're just going to laugh and get a cup of coffee and go get the car fixed.

Okay. But that's where you're going, because the way you break the back of it you know one step forward two steps back feeling because i know how you feel i've been right there i know exactly how that feels it's frustrating as crap and it's depressing and all of that i get it i get you i understand but the thing that breaks the back of that is your resolve to change your life, your commitment to a new plan, and then get on that every dollar budget, and you and him lay this out and go, hey, we are never going to be here again. Okay.

Poor is a state of mind. Broke is I'm just passing through. All right. And you've been poor, but now you're just broke yeah you are getting out girl thank you you're about to change your family tree what's your household income 37 000 right both of you working 40 so uh no he he works and i'm a stay-at-home mom i his favorite saying is i bring home the money she. His favorite saying is, I bring home the money, she spends it. Yeah.

Well, not anymore. I bring home the money, we work on a plan, and we're going to get rich. And he's going to look at it. How old is he? He is 42. What's he do for a living? He's an electrician. Okay.

So you know what's going to start happening the more you all work on this? He's going to start thinking about how you can make more money. Mm-hmm. Yeah. We're already, you know, what can we do? Can we strip wire? Can we, you know. Exactly.

Well, and can you do side work? Maybe I'm going to need to be an electrician somewhere else where they pay $60,000 instead of $37,000. I don't know. I don't know what the deal is, but he's going to start thinking that way. You're going to start thinking that way. We're going to start thinking that way. This is changing. You have the power to make these decisions.

I'm so proud of y'all. You're going to do this. And as you get into these messes and you're fighting your way through, you call me. That's what I'm here for. I've seen people just like you do this, so I know you can do it. You've not seen you do it yet, but I've seen one that looks just like you do it. You're going to get out of this.

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