The Ramsey Show - App - I Have $120K of Debt and My Marriage Is Falling Apart (Hour 1)

Episode Date: March 27, 2024

Live from the headquarters of Ramsey Solutions, it's the Ramsey Show, where we help people build wealth, do work that they love, and create actual amazing relationships. Jade Walsh, all Ramsey personality. Best-selling author is my co co-host today as we take your calls about your life and your money. The phone number is 888-825-5225. Jack starts this hour in Cincinnati.

Hey, Jack, welcome to the Ramsey Show. Hey, Dave, how are you this afternoon? Better than I deserve. What's up? So I've dug myself a hole, and I don't know what the right answer is. I probably do know what the right answer is, but I don't know how to get out of it. Okay. What happened? Well, to make a long story short, my wife and I got married two years ago after dating for about six years. We waited until all the kids were out of high school and we could

combine households a little more easily. After a big wedding, we started trying to pay stuff off, but the minute we got home from the honeymoon and when it became the business of a relationship, the relationship changed, and that's where the problem lies. So in the process of paying stuff off last July, we decided because we weren't making any progress on the credit cards, we made a really wise decision to take a 401k loan for $50,000 payable in two years to pay it off. But now the credit cards are coming back. So I've got a list if you want a list, but just not sure what to do with it. So your core question is what? How do I fix this and keep my marriage?

Oh, okay. Okay. Wow. All right. So you've got a total of how much debt? 120. Okay. And 50 is a 401k now. You've got a total of how much debt? $120,000. Okay. And $50,000 is a 401k now.

So $35,000 left. That's correct. Oh, $35,000 of the $120,000. Okay. $35,000 of that 401k is left. Okay. Yeah, so $35,000 of your $120,000 is a 401k loan. What is the other $85,000?

Okay. So we've got a credit card with 11 8 credit card with 7200 credit card with 19 2 credit card with 2900 uh two cars at 31 8 and 22 4 my daughter's car at 2900 which will be paid off very shortly, and a trailer for my losing business at $4,300. Okay. And what's your household income? About $200. Okay. What's the losing business? What's that mean? So to fund an early retirement, I have a woodworking business that I do on the side. It's taking up six to eight hours a night and every weekend. And in the last two years, we've lost about $10,000 a year. Okay. So that sounds like an expensive hobby that's taking up a bunch of money and a bunch of time, both. That's kind of an easy decision, isn isn't it i need the eight hours to spend on my

marriage i need the ten thousand dollars to spend on something else rather than a losing business close it and sell off the stuff why wouldn't you do that um i could yeah you could you'd have eight hours to spend on your marriage you said you're spending eight hours a night on I could. Yeah, you could. You'd have eight hours to spend on your marriage. You said you're spending eight hours a night on this? Yeah, I'm normally in my shop until between 9 and 10 o'clock every night. Yeah, that's good for marriage. Okay.

And especially since you're not making any money. I mean, if you were making $10,000 a night or something, she'd probably be tolerant. But, okay, so you have a $200,000 income. You have cars coming out your ears, credit cards coming out your ears. Now, the credit cards are growing back. So that tells us that you guys continue to spend more than you make. If the credit cards are growing back, right? Yeah, you took the HELoc out for the credit cards tell me what you're spending this money on is this just putting food on the table is this

funding your business what's what's going on these credit cards um so three three of those cards are funding the business um one of them goes away in a week because i made a big sale did you cut them up yet they're they're put away they're not cut up okay there's the problem okay no there's a different problem i disagree the two of you have not sat down and said with a written budget that we're going to live on less than two hundred thousand dollars a year why a year why to be honest we have but then something always comes in so you just didn't stick to it pretty much so an example of something that comes in is what uh four thousand dollar collection item from verizon from four years ago that we didn't know was coming, or a foreclosure

for her and her ex-husband on a timeshare of all things that paid immediately because his credit doesn't need to be affected. I'm sorry. I know timeshare shares your favorite word. No, I don't understand why his credit matters to you. Well, to his ex-wife. She was obligated to pay it in a divorce. Oh, okay.

So she knew she had that, and the Verizon bill was hers too? Yes. So she knew she had that. She just didn't know when they were going to drop. But she knew these were unpaid bills if she's an adult. I'm missing something here, Jack. Okay, I don't understand why this is ending your marriage. Because the two of you can't get on the same page?

Or what's the problem? So the stress of the bills weighs heavy. And we go out and we go to like a craft show on the weekend and we make a little bit of money. And all of a sudden we're all in and we're ready to go take this business into early retirement. But by Tuesday when it rolls around and we're back out in the shop, it's, oh, holy cow,

we've got to work again. So you just have a short-term. That's your side hustle. Right. You have a $200,000 income, and the two of you can't decide to live on that. That's what's confusing to me. I think that your mindset is there's some place in your brain where you think you can kind of

windfall yourself out of this whether it's hey we'll just take out the HELOC and that'll be our windfall to get out of this even though it's not or hey we can go to these craft shows and maybe we can make enough money to get a windfall and get out of this and I think what Dave is getting at is you guys haven't truly looked at your behavior together as a team if you set a course and say we're going to do this no one else can make you follow that course of action other than the people in the mirror and that that's what we're getting at is so jack if you wanted to like be like drum have some dramatic moves forward okay i can give you four things right now that if you go do them, by the end of the time you do those, which should be within two weeks, you're going to have a completely different scenario in your life.

Sell both cars. Sell the trailer. Get out of the woodworking business. Sit down with your spouse and do a written detailed budget where the two of you live on less than your day income. And you guys can clean this mess up in no time but you're you know you're screwing around with craft shows losing ten thousand dollars a year and eight hours a night and losing your butt and you can't sit down and manage to make it through a four thousand dollar bill making 200k so you can do this but you got two stinking expensive cars you got a

stinking expensive hobby that you wish was a business and the two of you aren't working together. That's the answer, right? Those four things. Hang on, we're going to put you through Financial Peace University, see if we can help you too. This is the Ramsey Show.

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Ken Coleman, Rachel Cruz, George Camel. We're all going to be doing the Total Money Makeover weekend here on the Ramsey campus at the Ramsey Event Center. I'm jacked about this. We've got three big events coming up. This is the first one. It's May 10th and 11th. Gosh, just a little over 45 days away.

It's going to be here. Tickets are selling like crazy. You're not going to be here unless you get your tickets soon. So we're going to be talking about not only all the money habits and the baby steps and walking you out of debt, but how to deal with the relational parts of this, how to work on your income side of the equation. And you're going to leave this weekend with a full experience. We're going to have a ton of Q&A, a ton of interaction with all the Ramsey personalities, pictures, the whole bit. But most importantly, we're going to talk to you about how to take over control of every area of your life and cause this to happen I'm excited about this Jade it's going to be fun me too I'm excited

it's right here on our campus which is really cool yeah May 10 and 11 you can get your tickets at ramseysolutions.com it's the Total Money Makeover weekend. You're going to get fired up and wired up, baby. Oh, and you can bring that friend or that spouse that thinks you're crazy, and by the time they leave, they will be as crazy as you. So there you go. Show them to the Kool-Aid. That's it. That's it.

We're going to serve Kool-Aid that weekend, for sure. Dave Ramsey's Investing Essentials, an event I've never done before. I'm looking forward to this. I'm going to be doing this with George Camel, a two-night virtual event, May 21 and 22. I'm going to get my personal playbook out, how I buy real estate. Not some TikTok version. I own several hundred million dollars worth of real estate. How do I do that?

What do I do? What's the process I've used since the beginning and how much of that has changed in this current real estate world? Certainly how we look at basic investing. We're going to lay that in place, but also some of the detail stuff that, frankly, when I'm running around with friends of mine that have a 50 or 100 million dollar net worth what are they doing um spoiler alert it's not bitcoin okay uh spoiler alert it's not gold uh spoiler alert real investors have a different mindset and i'm going to talk to you about how to build that mindset and uh so you want to learn how to do the real stuff not some get rich quick crap off of social media we're going to walk you through it the 21st and the 22nd i'm excited for that that's going to be fun i've never done this material before i'm

excited about it money and marriage getaway is october 24th and 26th that's rachel cruz by the way i left her out she'll be at the total money makeover weekend i guess we'll bring my daughter yeah anyway so her and deloney are doing this money in marriage getaway 24 through the 26th of October. And they get into everything. I mean, everything on the marriage stuff. Real questions from the floor that, well, there won't be children there. I'm still thinking about the dancing that I saw at the prom this last this last year at the event it was pretty cool pretty cool so all of these tickets for these events uh at the ramsey event center are at ramsey solutions.com slash events we'd love

to have you come visit with us you can come in a little bit early we do the show here every day monday through friday from one to four on the glass the cookies homemade are free the coffee's homemade is free the show well it's free there you go but it might be worth what you paid for it so be careful on that stacy is in riverside california hi stacy how are you hi thank you guys how are you guys better than we deserve what's up okay so i'm going to try to word this in the best way that i can um i guess i'm trying to figure out what i should be doing obviously like so many others today for um my best future i am currently i've been a single mom for the last five years i was married for 24 always a stay-at-home mom as well as a homeschooler so over

the last five years i um was kind of given in my lap. I was trying to figure out how I could still homeschool my kids. They're two teens and work from home and, you know, make ends meet. So I homeschool my two teens still. I babysit three babies for the last five years. So I do in-home childcare as part of income. And I also have an LLC as a homeschool learning center that I run on Fridays. And then I also teach homeschool classes. So I've got, you know, kind of several different

pots going, but I'm wondering, okay, so along with that, I also get alimony child support as part of my income. And of course that will end in a year. One of my kids, you know, will drop off for receiving child support. And then in two years, another child. So I'm trying to figure out today, what would be the best scenario for me going forward, knowing that I am going to take a huge hit in income and have to obviously ramp up the self-employment side. I don't plan on doing childcare long-term once these two families that I have kind of age out. I plan on being done and then try to do something a little more with the self-employed side.

Or would it be better for me to start either taking classes now for a career or get a job now to have the benefits and the medical and all that? You're amazing. You're amazing. You have stitched together a quilt to make the life that you wanted to make in the middle of a divorce situation where you have these two kids and you have this heavy desire to homeschool them and you made it work you pulled together from the left the right from the top from the bottom you you clawed, you made it work.

And so what I would point out maybe, and it might be true, it might not be true, you can correct me, is that all of these businesses had to do with homeschool because you had to make homeschool work. Yes. Not because it was your dream in life. It was because you're a freaking warrior and you were making stuff work you know that make me cry but yes i think as a mama bear you do it yeah you did you did i'm proud of you i i and i and you got to play through on that you're not done you got a couple of years of that left but but your question is what happens at the end of that and my opinion looking in from

the outside just for five minutes at how impressive you are is i think uh when the last kid leaves it's stacy time what's stacy want to be what's stacy want to do because you you've just you've you've given up you're an incredibly noble woman You've given up your life the last few years for the sake of these kids. Mm-hmm. And I'm not sure the homeschool is what Stacy set out to do as a career if she wasn't kind of forced into it by the circumstances. Exactly. In fact, I've told my kids, I'm like, the Friday classes is for you guys.

And by the way, I love the community. I'm not saying you're mean. for you guys. And by the way, I love the community. I'm not saying you're mean. I wasn't saying any of that. It's not selfish for you to have some Stacy time now. It's the rhythm of life. And by the way, what would that be, Stacy? If you could start out on a path, what would that path be? If money and time were no object, what would Stacy be?

You know, that's a great question. I know this is going to sound interesting, but I love finance. I'm proud of my homeschool teaching. I've taught teenagers the personal finance way, the Ramsey way, and I love nutrition and health. Those are just my passions. And I'm not sure, but I look at that like, what should I be doing now? Should I be taking classes to pursue both of those?

Should I be preparing myself for when it is me time and what do I want to do? And what is my next best step? And it is honestly, and honestly, it's kind of fearful. I don't really know. I've always just, you know, been that, you know, with that label of homeschool mama and stay-at-home wife and then to be thrown into. And honestly, it's all God that has placed these other wonderful families in my life to allow me to watch their kids while I could still be home with my own and even provide homeschool classes and all those things. Well, no one accused you of whining.

You're anything but a whiner. It's okay. You don't need to put any caveats in here. Listen, we'll set you up with Ken Coleman's career assessment because I feel like that's a great place for you to start to really see what your skill sets are,

what you love to do, and then just take it from there. Throw in paycheck to purpose, Christian. I think that's a great place for you to start. Yeah, going through his materials and try to assess. Okay, it's almost like you're 18 or you're 22 years old.

You just came out of college and you can do anything you want to do old you just came out of college and you can do anything you want to do it's a whiteboard what are we going to do ready set go you get to choose yeah i do think you're an entrepreneur at heart though i think whatever you do it's going to be your version your self-employed version of it let me just say that yeah could be wrong but i think i'm right and if the financial thing is tickling you one way to kind of put your feet in the water might be just lead a financial peace class at your church. You'll end up doing coaching. As a coordinator, you can't keep from doing it.

And then you may want to evolve into one of our coaches. I'm not sure, but you can look at that. But it doesn't cost anything to lead a class. And you can get on there and get your feet wet and go, okay, this is adult to adult, dealing with money, finances. It's not really scratching my itch. Okay. Or it is, and I want to go further. You can look at it either way. So hang on. We'll send you out that assessment. I think you're going not really scratching my itch. Okay. Or it is. I want to go further. You can look at it either way.

So hang on. We'll send you out that assessment. I think you're going to really be helped by it. You're amazing. Jade Warshall, Ramsey Personality, bestselling author, is my co-host today. Open phones at 888-825-5225. Monica is in Grand Rapids, Michigan. Hey, Monica, what's up in your world? host today. Open phones at 888-825-5225. Monica is in Grand Rapids, Michigan. Hey, Monica,

what's up in your world? Hello. Hi. I'm super happy to get to talk to you guys. You too? I am 28 years old. I'm on baby step 5 and I feel like I'm relatively on track with my

retirement investing goals. Good. Right now, again, I'm at baby step 5, so I'm relatively on track with my retirement investing goals. Right now, again, I'm at Baby Step 5, so I'm trying to save up for prepaid expenses. No kids, but my prepaid future expenses, a goal I have for myself, I'm trying to save up for a gas plan. I'm sorry, Baby Step 5 is kids' college. You don't have kids. Yeah, yeah. So you don't have a

baby step five you're on baby step six yeah I'm just trying to save up for a future expense so okay what are you saving up for um oh I would love to start a guest lodge in the future so I'm trying to save up for obviously a huge amount of money to be able to buy, um, like a land. Um, I'd love to have like some guest cabins and, um, like it would be like a fishing lodge with, um, horses that I would do guided horseback trails. Um, so it is obviously a very expensive target. And I guess my question there is what's your home worth I can try to um probably around 350 to 380 what do you do for a living uh senior demand planner you're say again uh I'm a senior demand planner so I um work with like financial targets and then I buy product to hit that amount of revenue planned for the year I see okay um can I ask a question what's that business that you want the the the lodge

what is that at its smallest scale because I feel like what you laid out was the big picture what's the smallest achievable piece of that to start with um like i i feel like right now just like um trying to look at land prices and the cost for like very very inexpensive guest cabins probably at a minimum i would be looking at like 750k plus and that's like really just looking at like land um okay let me let me ask you because i don't i need to there must be something in your background that leads to this that i haven't heard because everything in your life is very buttoned up and very tight and very careful including even what you do for a living and then there's this idea that's way out there so where did the idea i mean did you did you work at a place like this and when you were a teenager yep yep i grew

up riding horses and then um in college i moved out west just for like the summer and like um my junior year i was a wrangler so you're just you're a guide on horseback yeah you're just a guide on horseback. Yeah, you're working a dude ranch. Yep, exactly. Okay. So your experience has been as an adolescent working in these romantic situations. Do you have any experience on the business side of this equation? No, I don't. I don't have any experience. No, just purely.

Well, what you do for a living, I would think you would have laid out a pro forma that says i can rent these cabins and this horseback and the roi on the 700 000 dollar or million dollar investment where's the roi on that um i i think like the the roi is just like um like i would probably have my husband do the fishing he would run like the fishing um part of it so he would take clients out um okay what's your household income um like 160 okay so in what world does a fishing guide and a lady riding horseback make 160 no no i'm a senior demand planner right now i don't do anything with horses so right now like the i'm making about 90k and he makes no honey misunderstood you both quit your jobs and you're now running this thing that you're in your that's in your dream he's now a your jobs and you're now running this thing that's in your dream.

He's now a fishing guide and you're the lady running the lodge and leading the horsebacks because this is the dream you've laid out. I don't understand how you're making $160,000 doing that as a return on even wages equal to your current wages, much less a return on investment of a $750,000 investment or $800,000 investment. So that's what I want you to get to, okay? Because all I'm hearing right now is an adolescent dream. And that doesn't mean it's a bad dream, but it could become a real big nightmare if you

don't put numbers to it like a grown-up. That's what I want you to do. Rather than just go go i'm going to save up and buy this no no you're not that's why i asked what the smallest form of that is because you're gonna yeah if there's a way to test when you get to the point to where you could buy some land um in cash i'm gonna study best practices of other lodge and dude ranch situations and go okay if a couple lives there and runs it what can they expect to net on a 10 cabin arrangement a horseback riding and fishing arrangement and uh you know the food uh the food services and what can we you know what's our cost of goods sold

and what can we expect to net can we make 160 plus a return on the 750 or million dollar investment and you should be able to make both of those or this is not a grown-up dream it's just a memory from your 16 year old self that's not that's going to turn into a nightmare so i want you to think that through and put some numbers to it and go study some other lodges for best practices and try to learn their numbers um and um you need to know a lot more about this space from a business perspective before you talk about saving up 750 or a million dollars and putting it into it i'm not saying it can't be done i've never run one i don't know but i'm having trouble visualizing a fishing guide and a lady running horseback making 200k might be there might be a high-end arrangement you know some kind of luxury situation where you know you're bringing in people from dubai or something i don't know but um you you've got

to figure that part out to continue down this track uh much further otherwise you need to be doing straight up investing and thinking through how this dream is going to happen. It could simply be we want a wonderful weekend retreat place as a part of our family portfolio. It might be that that scratches the same itch. I don't know. I'm not saying either one's wrong, but I am saying you need more detail. And it's worth noting, whatever you decide, I still think it's way far in the future because whatever you decide, you're going to have to pay cash for it. There's that.

There's that. I feel like we crushed her dreams a little bit. No, no, no, no, no, no. We encouraged her dream. We crushed her nightmare. Yes. There you go, Dave. Crushing that nightmare killer. I will keep you from calling something a dream that's going to be a nightmare in a heartbeat

and I will kill it because I love you and I don't want that to happen to you. Yeah, that's right going to be a nightmare in a heartbeat and i will kill it because i love you and i don't want that to happen to you yeah that's right i'm a nightmare i'm death on nightmares take it out back and shoot it luke is in detroit hi luke how are you how are y'all doing i'm doing pretty well good how can we help so i currently make a net of month of about $6,000. I put $2,000 towards a mutual fund and a maxed out Roth IRA and then $1,000 into a high-yield savings account of 4.6%. And my question is, am I going too aggressive with this,

investing 50% of my income? Because I don't live off of much and I'm currently debt debt free so it depends on what baby step you're on what baby step are you on so i i haven't really done the baby steps yet um i do have an emergency fund of currently about 10 grand okay um what do you and you make you make 72 000 a year, right? Net, yes. Net, okay. What do you do? So I got out of the Marine Corps about two months ago, and I had some things happen to me in there. So I get $44,000 a year from the VA, and then I'm also a server,

so I make about $24,000 to $25,000 a year from that as well. So you're 25 years old? No, $25,000 a year from the server job. I'm going to ask you So you're 25 years old? No, 25,000 a year from the server job. I'm 23. I'm going to ask you if you're 25 years old or not. I'm 23. 23. Okay. Close. Alright. So what I can do is to

show you the game plan on how to handle this the best. It's called the Baby Steps. Jade alluded to it. I'm going to give you a copy of the book, The Total Money Makeover. It's going to walk you straight through that. And you keep listening or watching, and we'll continue to teach you in this format. You're a good man. Keep it up.

Jade Walsh, all-Ramsey personality, is my co-host today. Thank you for joining us. Guys, we appreciate you you the ratings and rankings and miscellaneous things on this show are the highest they've ever been as a matter of fact last week while i wasn't here they were the highest in 32 years i don't know how to take that exactly but that is actually what occurred um dr john deloney show added 12 million people last week alone just his show so the ramsey network is blowing up overall our numbers on podcast and youtube and radio on this show are crazy good thank you guys

that just means you're telling people about us thank you and if you want to keep doing that we would love it if you click subscribe or follow or uh share share the show click a link out cut a link out send it to somebody, go, hey, look at this, whether it's a YouTube clip, a podcast clip, anything. I mean, whatever it is. And leave a nice five-star review. All that stuff bumps us up in all the different rankings, and you guys are the ones that make that happen.

If you want to say thank you for what you're getting here for free, that's how you say thank you. You click follow, share, subscribe, five-star reviews, that kind of stuff. Yeah, we thank you. Daymar is with us. Daymar is in Missouri. Hey, Daymar, what's up in your world? Hi, my name is Daymar.

I was calling to ask if I should pause the baby steps temporarily to save an emergency fund because I'm going to be losing my job in the next few months. I'm currently on baby step two. I went a little bit out of order, and I bought a house about a month ago and then found you guys, and so then I started the baby steps. Yeah, pretty crummy timing, buying a house and losing your job. Kind of why we tell you not to do that, huh? Definitely.

So I should have found you guys a month earlier. So when does this all take place? A couple months, you said? Yes. Yep, so I closed on the house about a month ago from last week. And then after that, I paid off my credit card, or I guess I put the $1,000 in savings, paid off my credit card, closed that out, and then started paying on. I have a personal loan with about $21,000 left on it.

What do you make? I make $88,000 a year. What do you do? I work in nuclear logistics in the Air Force. You're in the Air Force and you're going to lose your job. How does that happen? Yep. So I'm going through a medical board process. I just found out I have an autoimmune disorder. And so just within the career field I work in, it's just, it's a disqualifier. And so it's not for certain I'll lose my job, but it's pretty, they're pretty sure just because there's not really an option to cross train me into something else with how short a time is left with my commitment. So they discharge. Yeah, they probably will be in the next couple of months. Is that a medical discharge? It will be, and so I think there should be some kind of compensation,

but from what I understand, there's usually like a two to three month gap between when you get out of the military and when va benefits start yeah that's true sure at best because they're not exactly known for efficiency so yes sir yeah all right so what are you gonna do with your life man um so i've had a business on the side that makes almost $500 a week on not very much time just because I have the day job that I'd like to spend a lot of time doing. But in the meantime, until I get this debt paid off, I'm going to stick with having a real job that has stable income until I get the step paid off. Doing what? And so I was thinking temporarily get a job locally, trying to do something in logistics. I have one friend who works for a company back home in Wichita, Kansas.

And so I was going to reach out and try to get in touch with them. And what would that pay? So starting pay for that is $75,000 a year. What's your side business? It's a consultation newsletter. So it goes with you then yeah it does so i can do that from absolutely anywhere and so that's why i'm not well to answer your initial question should you pause baby step two obviously the answer is yes you're going to pause and save up as much cash as you can and i would continue continue to do what you are doing, which is look for opportunities because it

sounds like there's a 95% chance that you are going to be discharged. And even if you do receive some compensation, we know that there's a gap there. So I would keep doing what you are doing and land something and be prepared for whatever that is, whether it takes you to Wichita or whether it's something in your area to replace the income that's going to be lost. Exactly. That's all you can do. So if you do what she said and you pause it for two months and then you lose your job, or three months,

how much money would be in the account? I think I'd have like four or five months of expenses. I think I could save about $3,000 a month. Okay, so you'd have like 10 grand. Good. Yep. Okay. So let's kind of work this through. All right. You got 10 grand in the bank. You paused your baby step two, you moved to Wichita, take a job making 75. Two months later, your, uh, your military disability kicks in for another two or three grand a month. month. Oh, and we have $500 a month maybe going to $1,000 on the newsletter on the side. You're suddenly making now over $100,000 a year. Yeah.

This is a pretty good deal. I do have a question, though. In that case, if I move, should I just sell the house? Yes. Yeah. Okay. You don't need a house in Missouri if you live in Wichita. Definitely.

Yeah. And just get you something to rent and then you take all the money. If all that works and you don't use any of the 10 grand cause you land the new job straight out of the old job, then the 10 grand acts like a signing bonus and you throw it at the 21 debt as soon as you get settled in wichita awesome yeah and this time you don't turn around and buy a house in wichita until all your debt's clear and then you've saved up an additional three to six months of expenses and then you can start thinking about a down payment when you're settled and all that's in place. Exactly. And so here's the deal. What people do is they save up the 10 grand and then they kind of coast along until the 10 grand's gone.

No, you line up the other job. Boom. As soon as you step out of the Air Force, you step straight into logistics. Boom. And then two months later or three months later, the VA kicks in. Boom. And these dominoes start falling and you're making some dadgum money, and this whole situation turns into a blessing.

Hey, are you going to get your money back on the sale of this house? I should get about exactly what I have into it. I have made a few extra payments on the house already. Don't do that anymore. Right now, you need a big old pile of cash, and I really want you to commit to lining these dominoes up so they don't miss each other. You know, if you push a domino and it misses the next one,

it just lays there by itself, dude. So when you step out of the Air Force, I want you the next day to be in wichita working because you've already done the interview process and been hired because they're not going to do this suddenly in the air force they don't do anything suddenly well they don't do anything having to do with you guys suddenly they do concerning the enemy suddenly but uh but yeah you know you guys he's you're gonna know you're gonna see this coming a mile away it's not gonna be a shock to you so you already are seeing it coming a mile away so just you know go ahead and start working

the wichita thing and if the whole thing with the air force doesn't happen then you can stay there and you want to stay in fine um you know it's just all you've lost a little effort and you really haven't lost any ground on your get out of-of-debt because the money's all in the account. You're just going to turn and throw it at the debt when the smoke clears on this storm. And so you're okay. You're in good shape. But where people screw up is they don't deal with the obvious thing that's in front of them, and then this stuff becomes a crisis when it shouldn't have.

That's true. Yeah, I think he's done well to think ahead and plan ahead for this because if he hadn't done that this could look very different. Exactly. And if he doesn't continue to do that, it's going to be a mess. That's right. So, yeah, you're going to be calling me back going, I'm further in debt because I didn't

work for four months because I didn't do what you told me to do. No, don't. Get it. Get after it. This is The Ramsey Show. Thank you.