The Ramsey Show - App - I Just Ordered a Tesla and Realized That Was Dumb (Hour 3)

Episode Date: February 17, 2022

Dave Ramsey & George Kamel As heard on this episode: Sign Up for a FREE trial of Ramsey+ TODAY: https://bit.ly/3rZTUAx Tools to get you started:  Debt Calculator: https://bit.ly/2Q64HME Insurance Coverage Checkup: https://bit.ly/3sXwUn5 Complete Guide to Budgeting: https://bit.ly/3utmVXi Check out more Ramsey Network podcasts: https://bit.ly/3fHhbVE

Live from the headquarters of Ramsey Solutions, it's the 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. It's a free call. George Campbell, Ramsey, your host. Thank you for joining us, America. It's a free call. George Campbell, Ramsey personality, is my co-host today. As we talk about your mental health, your relationships, your job, your career, your money, we talk about everything here on The Ramsey Show. We're glad you're with us.

888-825-5225 is the number. Jalen starts off this hour in Atlanta, Georgia. Hi, Jalen. What's up? Hi, sir. Thank you so much for taking my call. Sure. How can we hour in Atlanta, Georgia. Hi, Jalen. What's up? Hi, sir. Thank you so much for taking my call. Sure. How can we help?

Yes, sir. So I just actually learned about the baby steps and all that you've done starting in January. But in December, I made the stupid, maybe smart decision. I ordered a Tesla Model Y. And learning that it's $60,000 and that will put me in debt, I turned around and thought, okay, that may not be the best idea. But then I came up with the idea doing research that I could generate it into passive income by renting on a two-wheel and allowing others to, you know, drive, do have a rental property essentially for the vehicle and make that income back and paying

off the debt with that. However, I'd still be risking having that debt because if things happen and I'm not able to rent the car out and things like that, I could still be withheld on paying almost a $900 monthly car note. So I just wanted to know if that's a good idea. I'm 23, I'm single. I don't have any other debt except for my current car, which is my KSO, but it's currently in positive equity and I'm just continuing paying that off, learning from the baby steps. So just really want some advice with this. All right. There's a lot going on here, Jalen, but I'm glad you found us. It's interesting, Dave. They always find you right after they do a dumb thing, and then a month later, they go, and I found Dave. It's amazing. But let me answer your question. So you've got dead on

the Kia Soul, and you're going, I got a business-making opportunity by getting a sweet toy and letting someone else destroy it while I slowly, painfully pay back the debt on two cars now. That's a different way than he said it, George. You're right. That's the way I heard it. I'll say that, Jalen. So, no, do not get this Tesla. You need to pay off this key of soul. And if you do ever get a Tesla, I want you to do it with cash. How much money do you make? So I just got a promotion actually in January as well.

So I'm currently going to be at $60,000 plus in centos. You said $60,000? Yes. So you're going to own a $60,000 car making $60,000 a year? When you put it that way, it sounds worse. Okay. That's why he did that. That's why I did it that's why he's a trick

question he's completely messing with you but he's doing he's doing it because he loves you i love you and i want you to win financially and the turo tesla deal is not going to be the business model you you think yes so jaylen um here's the thing. Really good question, and I really appreciate you calling, sir. A good way to make some of these decisions is to pan way back and say, okay, when I'm 35, 12 years from now, which will be the best decision? And it kind of instantly leads you to not doing the Tesla thing and getting the car paid off and starting to build some wealth, doesn't it? Right, right. The Tesla only sounds good when you think about taking delivery on it. It doesn't sound good when you're 35. You have a 35, you have a 12-year-old battery at that point with some wheels. Right, right. and with my current car now since i can get more than what it's worth paying

off the the loan should i what it's about the car that i have what's the balance so i owe i owe 14,000 car members offering me 17 just pay it off just just work yourself you got a job just work you work your way out of it and then if you want to trade cars do it with cash later but let's just you have a small car debt making fifty thousand sixty thousand and let's run and get it paid off as quick as we can um because again so the other thing i always ask myself is what and i went broke when i was 28 lost everything because i was stupid so one of the things i started doing at that point is i started talking to old rich people. I didn't want to talk to young rich people. I had been him. He was stupid. I wanted to talk to old people who had money, made it, and kept it. Okay. And then I've continued that for the last 30 years,

that discussion with old rich people to the point we did a detailed in-depth research of the largest research study ever done on millionaires in North America. And the number of millionaires out of the 10,000 millionaires that we studied, the number of them that said they became a millionaire because they went in debt to buy their car so they could rent it out was precisely zero. None of them used your plan that you presented to us a while ago and so you know and and because it's it's it's just fraught with disaster there's so many things that can go wrong in that plan that you laid out there and um you know if you've ever had a rental property or ever put a property out as an Airbnb, you would know not to put your car out in that system because people just don't take care of it. People are gross, as a matter of fact.

They're just gross. They're filthy animals. And so you really find that out about them when they live in stuff or will drive stuff that you own. And it's just you're going to discover that with your $60,000 car, with your $60,000 income. So please don't do it. I think you're not going to. I think we talked you out of it. But just for the other people listening that are thinking in the same way, I wanted to make sure we drive the stake deeply into the ground on that.

So, yeah, pan back. Ask yourself, what would old rich people do? Because that's what you want to be. Rich. When you're old. And Dave, when it comes to spending decisions, I like to think of it through a framework where I go, okay, let me have some self-awareness. Is this going to add value to my life?

Is it born out of my values? And I move on to motivation. And this is where it gets really tough, especially for young people. What's my motive? Do I have a good motive in buying this thing? Am I trying to flex on my friends? Do I want a shiny, cool toy so I feel successful? And then I go into affordability and I go, can I afford this in cash? And if America answered

that correctly, no one would be in debt, would they? And then you go into research mode and go, is this the best price retailer option that I can get? And then you go into timing and you go, all right, is this the right time to buy this? What's the opportunity cost? Could I wait a year? Could I wait three years? And when you do that, it actually spells smart, which is really cute. But what it does, it helps you just take a pause and think through a framework to go, is this the right decision for where I'm at financially? And if you answer no to any of those, here's what it means. Not now. We're not saying we never want you to have nice stuff. I want you to drive a Model Y Tesla one day, Jalen,

but I want you to do it when you get your income up, you can pay cash for this thing, it's a small portion of your life and your world, and you're not doing it to flex on other people, and you've done it because you're already out of debt and you're investing. That changes the game. You know, very few, there's so many people, we're a car culture.

And cars, until the last 18 months, go down in value. And they will again as soon as this little supply-demand curve thing quits. They will depreciate again. And so it's the largest thing we buy that goes down in value. And once you've gotten past transportation to take your family somewhere or to take yourself to work once you've gotten past that the car is no longer a need everything above basic transportation is a want and sadly in my life when i was young before i was 30 years old it was we didn't call it flexing but it's just trying to impress other

people trying to keep up with the joneses trying to make somebody think i bought a jaguar to them so that people would think i was successful yeah based on the car you drive that's your measure of but that's what people do and i was that shallow i was that dumb jaylen's not that dumb no this is the Ramsey Show. For a lot of you, last year was another year of just trying to survive. But you don't have to live like that. You can have confidence in your money and your future. So if you're tired of being stressed out all the time, you can decide to make a change. You can follow a plan that works. For almost 30 years, Financial Peace University has helped millions of people take control of their money. You'll learn our proven plan to save money, pay off debt, build wealth, and give generously.

Watch FPU on demand or get plugged into a class for encouragement and support from other people. You don't have to face another year of stress and worry. You can have confidence in your money. FPU is only available with a Ramsey Plus membership. Start for free by visiting RamseySolutions.com slash FPU. That's RamseySolutions.com slash FPU. Well, if you've been paying attention to the real estate market, you've noticed it's crazy. Competition's high to buy a property in part because availability, available inventory has been hitting all-time lows. Now when inventory is low, it simply means there are more buyers buying than sellers selling,

which turns the pressure up. To win in this market, if you're buying with it highly competitive among buyers, you don't need to be an amateur. You need to have a pro in your corner. If you're going to sell in this market to maximize, you need a pro in your corner. You need to do this. Do it the right way. Get one of our endorsed local providers, the people, the real estate agents that are high octane, high protein,

some of the best producers in your area have been vetted by us. We'll connect you with that pro. Their years of industry success will cause you to have a positive transaction in a weird and whacked out world go to ramsey solutions.com slash agent ramsey solutions.com slash agent jared is with us in detroit hi jared how are you hey guys thanks for taking the call it is a snowy day up here so absolutely um i've been listening to you guys for about the last year or so on a regular basis. I'm a 71-year-old bachelor who's also the primary provider and caregiver for my two parents. Right before COVID hit, I had a student loan debt of $48,000 or so, and I'm getting ready to pay that off here at the end of the month.

So 23 months, get that all cleared up. So my main question is, what would be the next best step, given that, you know, I'm living with mom and dad and helping take care of them in this time that they need, as well as trying to... Tell me about that. Yeah, so just some chronic health issues with both of them, financial issues with them, and I've been the one to step up and lend a hand to them as the siblings are out of town.

So are you living with them? Yeah, you said he was. Yeah. Okay. So you're getting free rent. I'm actually providing the funds for the house. So they're getting free rent. How old are they?

Late 60s. Okay. What's the nature of their chronic health problem? Dad has lung and back issues. Mom has just aches and pains and not able to, you know, take care of dad herself. Um, she's unemployed. He has been a private music teacher for many years, so income was never steady. So they have no money.

Uh, they're both on, um, social security. Yeah. And how much do you collect on social security yeah and how much does do you collect on social security on between the two of them it's just under 3,000 a month and then I went out a family for my church provided an open door for me and that's how I've been able to pay off this debt they brought me in the only landscaping company and they brought me in to They own a landscaping company, and they brought me in to run the office and run the sales department last February, and it's been a great opportunity,

and I'm looking to stay with them for years down the road. Okay. Are you 41 years old and still doing this? 31. No, I'm saying 10 years from today. At least doing the job with them, yes. No, your parents. If that's what is needed, that's what I would say, yes,

because I feel morally obligated to do that. Okay. But I would also, since I'm going to be paying off the debt, I would like to step back from my second job. So when you're 51, 20 years from now, you're still taking care of your parents? If I have to, yes, sir. Okay. I really appreciate your sense of honor, and I appreciate your heart.

That's not sustainable i disagree and it's not a moral obligation for you to give your life away to take care of these folks who did not bother to take care of themselves just because they happen to be your dna and i'm not trying to be cold or mean but uh when i when i do this on a short term i'm with you but when i stretch it out 20 years i I'm no longer with you on it. Okay. You and your siblings need to arrange for their care a different way so that you, young man, have a life. That's the hard thing is that the siblings will not speak. Yeah.

Why? Because of the way mom and dad acted. I don't know. Yeah, I know. because of the way mom and dad acted i don't know yeah i know i've tried to try and you know bridge a gap because i do respect that they have their own families and then like hey i'm the one here with mom and dad how can i help and they go they've not really given me anything to try and pursue any options yeah do you have dreams of having a family, getting married, all that? If the Lord wills. I just don't want to see you held back by all of those opportunities

because you're taking care of mom and dad. I'm not suggesting we throw them in the street and they were cold and that you're dishonorable. You are a very honorable young man, and I appreciate that. There's not many people that are honorable anymore, and I really appreciate your sense of duty. It's a wonderful thing. But I do want you to think beyond on this and start.

What you've laid out here is not a sustainable quality of life for you, and it is not honorable. At some point, it just becomes dysfunctional. So you've got to reach out there and say, okay, we're going to reach a point where we're going to change this living arrangement to X or Y, and we're going to get the siblings involved, or mom and dad, we're going to find something they can live on. You know, it may be Medicaid nursing home at some point because they would qualify for that. It may be whatever. I don't know.

And I'm not trying to throw them out in the street today. But we're going to do this in perpetuation and call it honor. I'm not with you on that. I'm going to disagree. Even though I admire your honor and I admire your principle, and I think it's wonderful for a period of years even that you take care of them. I have no issue with that. But this idea that you do this for 20 years is absurd dude it's absurd so you need to rethink how we're going to take

care of them who's going to get involved how we're going to house them and feed them uh so that you can begin to move past this because this is a very very um it's not it's just it's not emotionally spiritually financially sustainable. Yeah, and I'm hoping maybe we can get mom back to a certain level of health where she can take care of dad if she's in better shape, get her health taken care of versus you having to put your life on hold to do this. Yeah, you just got to start finding some kind of an off-ramp, somewhere out there in your mind rather than in perpetuation

and when you've got that then that will affect the answer to your question see that will affect how you work out the baby steps how you build wealth how you have a life how you do these other things because the girl that's going to marry into this situation doesn't exist she's not there um you know it's a hard pill to swallow but well it's just she's not i mean it's not it's not because she's dishonorable yeah or mean or lacking in mercy or something like that it's just she's going to recognize this as a mess and not jump in the middle of it we're seeing this this trend the sandwich generation what they call them you know millennials gen x they're having to take care of their parents they they're trying to take care of the kids, and it just puts stress

on everyone. It can create resentment. It can leave you broke because you can't hit your own financial goals. You're trying to support everyone on all ends. Yep. It's a toxic situation. Yeah, and there's a, you know, Henry Cloud's book, Boundaries, is what we're talking about here.

And again, it's not lacking in love. It's not lacking in principle. It's not lacking in honor. it's not lacking in morality uh you know honor the bible says to honor your father and mother it does not say to honor their misbehavior it honors the position of father position of mother if your mother does cocaine we're not honoring that that's not what the bible is talking about the bible's talking about if i was talking about honoring the position of mom as a position but not mom's misbehavior it's about respect or mom's dysfunction or dad's misbehavior dad's misdisfunction that's not what we're talking

about and so you know uh but somewhere out of these two you ended up with a tremendous sense of duty and that that's a wonderful thing for you to have it's going to carry you a long way in a positive way if you learn to put reasonable guardrails on it this is the ramsey show Thank you. I'm George Campbell Ramsey personality is my co-host today. Jake's in Indianapolis. Hi, Jake. How are you? Hey, George. Hey, Dave.

How are you guys doing? Great, man. What's up? Hey, I got what should be a pretty easy question. I am getting ready to go overseas with the military, and I pretty consistently invest 15% into my Roth TSP. And I was just wondering, once I get overseas and my salary is tax-free, does that make any sort of difference?

My wife also invests in her Roth 401K, so I just wanted to get your take on that. No. Doesn't change a thing. Okay. So just keep the 15% in the Roth TSP then? Yep. And in the TSP, we're 80% C, 10% S, 10% I.

Okay. Great. I appreciate your help. What branch of the service are you in? The Army. Special Forces? okay great i appreciate your help what branch of the service are you in uh the army special forces uh i'm a medic in uh traditional army it's a conventional well thank you for your service it's a wild time to be doing what you're doing yeah yep they keep us on our toes i guess yeah i guess i guess they do yeah thank you brother thank you yeah take care of yourself open phones at 888-825-5225 dakota is in sioux falls south dakota hi dakota wait a minute dakota in dakota yes. You get that a lot. Actually, I just moved here back in April.

It was destiny. Okay, so now you're going to get that a lot. Okay. Yep. So how can we help? Hello. So I am 19 years old, and I am wanting to start a duct cleaning business in about three months, roughly. And the current job I'm working for, it's kind of what I've been doing for the company I work for now. But the problem is, um, I'm only making $13 an hour doing it. And I actually just got a raise to giving me a 65 cent raise and I could go work at fast food making 15 or $16 an hour. So I'm trying to decide if I should leave this company and go make a little bit more for a while,

or if I should stay with this company. So you're wanting to start your own business? You said duck hunting? No, duck cleaning. Oh, I was like a duck hunting business. Okay, duck cleaning. Okay, and you're saying you could make more, go and work for fast food, or should I start this business?

But you definitely wanted to leave the company that you're with right now. Well, I know I could make more at fast food, but I'm definitely starting this business. It's just kind of waiting for the money to do it. Do you want to be in the duck cleaning business? Are you excited about it? Yeah, I'm excited to start my own company doing it. Okay.

I never want to dissuade somebody from going into business because I love small business, and I believe in small business. And I never want to be condescending to someone because of their age, but it is impossible for you to have much business acumen at 19 years old of knowing what it takes to run a business. You may know how to do the duct work cleaning. You may not know how to do the job, but doing the job is only one part of running the business. There's marketing.

There's dealing with customers, banking, setting up the LLC, getting the P&Ls going, doing the accounting. Running the business is a multifaceted thing, and unless you're a highly unusual 19-year-old, you probably don't have that expertise those tools in your belt yet i'm not saying you can't get them uh but i really wouldn't want to learn uh on the job meaning i wouldn't want to try to learn how to run a business while i'm running a business it's a it's a very rough go so what i would try to do is work yourself into, with the current company, the duct cleaning business, I would try to work yourself into the operations side of the business,

not just doing the work, and start to be mentored, apprenticed, in a sense, on how the business actually operates. Does that make any sense? Yeah. And am I wrong, or do you have some kind of business background that I should have known before I opened my mouth? No, and the accounting stuff definitely is what scares me the most out of it.

Yeah. So if you could work in the office part of the week, and even for less money and learn how the business operate, the operational parts of the business, I think you do know the technical part. I think you can successfully go clean the ducts. Am I right about that? Yeah. Okay.

So you can actually perform the job, but that's a lot different than running the business. So here's what I've run into a lot, Dakota, the years whether it's 19 or 29 or 49 uh an example in a different business would be someone that is a chef at a restaurant and they're very well known they become they become actually kind of famous locally for the quality of their food the beauty of their dish that they're become a gourmet chef and suddenly they decide that means they need to open a restaurant well creating the meal is the equivalent of you cleaning the duct agreed but running the restaurant involves dealing with servers it involves dealing with the valets out front. It involves dealing with the hostess that didn't show up,

the software for the seating and the reservations. It involves, again, the accounting, the marketing for the restaurant, the couponing system that you're going to use or not use. You have a whole business plan that the chef doesn't know squat about, and they go broke. And I see this over and over and over and over again, that someone who is a specialist in a certain area that can perform the task confuses that with running a business.

They're two separate skill sets. Performing the task is your entry point, but you've got to learn the other skill sets. Hold on, I'm going to send you a copy of the book Entree Leadership, which was a number one bestseller on how we've grown and run this business. And that'll begin to help you put some of these tools in your belt. But I recommend before you open the business that you get a few more of these tools in the belt and don't learn on the job. Yeah. And I love seeing, I think there's more and more young people out there as I'm kind of scanning social media who want to work for themselves. They want to run their own business. I think it's awesome. But there is a piece of that where

you've got to understand what you're getting into. And it's not just all starry-eyed. I'm going to make so much money and I get to keep it all and be the boss. Well, I don't want to talk to you when you're 24 where you went broke because you opened something and didn't know how to run it. That's what I don't want that for you. Yeah. I do want you to be 24 and have opened two years ago at 22 after spending the previous three years learning how to run the business, and now we're successful. And you got to see someone successfully do it. It's not that,

you know, I opened my first business when I was 24. So, you know, I'm not against that at all. And I love the entrepreneurial spirit. I think it's good for America. I think it's good for our culture. I think it's good for the individual that's doing it. So the fact that Dakota has that burning in his belly is a wonderful thing and it's going to take him a lot of good places too but uh you don't know what you don't know when you're starting and it'll kill you i've had a lot of scars from stupid butt stuff i did that i should have known yeah and i didn't know over these years and so um entree leadership and that's your book of 20 25 30 years now in the trenches of building this thing from a card table.

And so this is a great book for anyone who wants to step into that or thinks they want to step into that. Read this book. And if you go, oh, this doesn't sound like me at all, then you know. Well, I think you can, again, most entrepreneurs have to do some things in the business that they didn't know how to do before and that they don't necessarily enjoy it's part of starting and running a business i there's things i do every day today after 30 years that i not every day but every week i get to do something that is not necessarily my favorite thing in the world it's part of being the owner you know it's part of carrying the responsibility um but and some of it is things i don't know how to do i mean we're in this digital

world and i'm i'm a doofus on some of these things, and I can't spell app, and so, you know, it's just like. So you hire the right people, you delegate. Yeah, and I have to go in these rooms with these young people that work for me that are smarter than me, and I don't know what they're talking about. And it's intimidating as crud, you know. And they're intimidated by you, too. That's part of the process.

You've got to be a continual learner and keep putting tools in your belt. You're always going to be doing something that's uncomfortable, but when it's all, the whole business process is uncomfortable, that's not a good recipe. And when you do it with debt, it becomes even worse. Oh, it's going to bring real pain. This is The Ramsey Show. Thank you. our scripture of the day, John 6, 35, Then Jesus declared, I am the bread of life.

Whoever comes to me will never go hungry, and whoever believes in me will never be thirsty. Our friend Les Brown said, Wanting something is not enough. You must hunger for it. Your motivation must be absolutely compelling in order to overcome the obstacles that will invariably come your way. And if you haven't ever listened to Les Brown, he would say, hungry.

Yeah, I want to go watch that YouTube video right now. You must be hungry. Get me fired up. And he gets, man, just in one sentence can just make you just run around the block like Rocky. I mean, hungry. That is a gift. Les is a wonderful friend and a wonderful man. One of the best motivators on the planet.

Just fun. Open phones at 888-825-5225. Landon's with us in Boston. Hey, Landon. Welcome to the Ramsey Show. Hey, Dave. How are you? Better than I deserve.

How can I help? So back in July, I had some car issues, and I started hearing a clunking noise. And so I went to four different mechanics. They all told me the same thing, that I needed my struts and sway bar links changed. So then the first mechanic, I went to the cheapest mechanic. They tried to fix it and I have to go back there eight different times for them to read, either redo the alignment or they kept messing up everything when they're installing stuff.

Um, so fast forward seven months later, I'm still having that issue or I was having that issue and I went to a different mechanic and when he looked at the car to see what the work that that mechanic did, um, he said the parts were installed completely wrong. The alignment was way off. And my question is, and since now I have a lot of, I have the evidence now. So he took pictures as well. He gave me a statement of what they did wrong. So do you think I should go to small claims court to try to get my money back from the first mechanic?

How much was it? In total total, it was $979. $979? Yes. Okay. Did you go back and talk to the first mechanic and say, hey, here's the pictures. This stuff was installed wrong. I need a refund. Not yet, but when I tried to talk to them in the beginning to try to get a refund and go to a different mechanic, they basically just told me to get lost and that they're not going to fix it. So that's why I'm trying to see if I should just take them to court because they don't want to deal with it and they don't want to give me the refund or anything. Well, here's the thing. You're under the illusion that going to court is easier than dealing with the people, and it's not.

Okay. I'm not sure you're going to get anywhere either way. Because here's the thing. Let's just pretend you go to court, okay? And you walk in there, and Judge Judy drops her gavel and says, you get a $979 judgment against an incompetent mechanic. Mechanic doesn't even show up. He just automatically loses.

You win the case, which, by the way, is probably what will happen. It's not going to be like some trial that you see on TV where he actually shows up and you get to argue about this. That's not going to happen. You're not going to get any real satisfaction. You're just going to get a judgment for 979 dollars now you've got to go try to execute on that judgment which means somehow collect that from this guy who wouldn't give you a refund in the first place so now you got to go hire a lawyer and take a on his bank account take a lien on his house, take a lien on whatever, I think you're working

really hard for $900. Yes, because that's what I was thinking, because this mechanic, it's actually a franchise, so it's a big company, and so that's why I was thinking, like, maybe it'd be worth it to do it. The franchise or is not liable. The name that's on the front. Unless it's a company store. You're sure it's a franchise and not a company store? I believe it's a franchise.

It's actually Mavis Tire is what they're called. I don't have any idea what that means. No, you're not sure? So you probably know it. Yeah, I mean, I'm from the Boston area. I've definitely heard of them. But, I mean, like Dave's saying, this is a lot of emotional energy for you to expend over the 979 dollars what do you make a year um i'm a college student right now so i only make like 20 grand yeah okay well uh

i think this is going to take up a lot more of your life than you anticipate when you enter into this process is what i'm telling i'm trying to warn you about that and you may regret i mean i've been in a few lawsuits not very many but in every lawsuit so far that i've ever been in the winner was the lawyers and when i got done i never i've never yet had a sense that justice actually occurred i just went through a big old load of manure and i got it all over me and that's really the only i never have i've never come out going oh i won or oh i lost it was never it was never this sense of justice just it's kind of it's kind of defeating in that sense that the court system can't really ever give you justice because they don't. Because by the time you finish with all the BS that you go through,

even when you win, and I've won every one I've ever been in. I've never been in one I didn't win. But you don't win. After you write all those checks and you deal with all the stuff, you didn't really win, you just won. But it's just ugh. You know, it's not pleasant. And that's why these companies settle

these things instead of uh instead of fighting on principle it's just because nobody really wins but the lawyers so i i i wouldn't what i would do is i would go hassle them i'd go show up over there and talk to the manager and say listen i'm I'm not going away that easy. You guys did this wrong. You screwed this up. Now you need to do the right thing because otherwise I'm going to tell a whole bunch of people that you're crooks and you're incompetent. And I'm going to go to the franchisor. I'm going to the home office. I'm going to give you about $9,000 worth of hassle just because I'm going to make a hobby out of you for for 900 bucks so y'all need to give me some kind of a refund for the work that you did uh because it's it's cost me a lot i'm a broke college kid and you're screwing me here

and maybe you meant to maybe you didn't but that's the net result and you need to do the right thing and if you don't i'm gonna wear social media out i'm gonna wear out your your home office and you're gonna just wish you'd never met me now that you could probably do with less energy than going to small claims court but you've got the idea in your head and you're wrong that going to small claims court's gonna just make this all and they're just gonna write you a check and they're not it's not gonna to be it's going to be it's going to be less hassle than being coming a hassle i'm going to become the squeaky wheel and i'm going to go full liam neeson and i'm going to make them regret ever screwing me over and i'm going to leave a review on yelp and google reviews i'm going to report you to the bbb

you're going to get it from all angles who is this guy he's destroying us yeah uh but again you're expending a lot of energy and if you want to do it for fun that's fine but this may just be one of those things you go never again life goes on life goes on yeah i know one place i'm not taking a car and anytime anybody brings it up i'm gonna tell them not to go there i mean it could be just that simple and we'll come stand outside with a sign going don't go here there you go it's whatever protest you want to do yeah or take it to judge judy that could be fun to get yourself on tv or not yeah those are those shows are entertaining if nothing else good people yeah the problem with them is is that people get the sense

that that really happens sensationalizing of it judge judy's more no more of a judge than dr laura is a doctor i mean come on um it's and laura's a friend of mine by the way but she's not a doctor she's not got a phd it's just a nickname and so uh dr john deloney is a real doctor he actually has two phds not a medical doctor don't ask him for medical, although he'll give it to you. Yeah, he'll Google it. But, yeah, so that's the problem with that is it's just there's sometimes you have to use the courts. I mean, we have to use them in real estate for evictions and things, and those are usually fairly clean. That's a fairly dialed-in process.

But collecting on a debt, I've never collected on a debt. Now, could he get a lawyer to write a letter to where he kind of spooks them a little bit and they get a refund? That could work. But you're going to write a check to do that. Yeah. Maybe a smaller one, but it could work. Good luck, man.

Small claims court, you can file yourself and go in there and be your own lawyer, which we know what that is. Dangerous. Good hour, Georgeon. Small claims court. You can file yourself and go in there and be your own lawyer, which we know what that is. Dangerous. Good hour, George. Well done. Thank you. Good job, Booth people. You Booth folk did a great work.

Did a great work. The Booth folk. The Booth folk did good. That puts the hour in the books. We'll be back with you before you know it. In the meantime, remember, there's ultimately only one way to financial peace, and that's to walk daily with the Prince of Peace. Christ Jesus. Hey, guys, this is James, senior producer for The Ramsey Show.

Did you know over 18 million people listen to The Ramsey Show every week? And a lot of those people listen on one of our 600-plus radio stations across the country. To find a station near you, head to theramzshow.com.