The Ramsey Show - App - I Married $100K of Debt!

Episode Date: April 25, 2022

Dave Ramsey & Dr. John Delony discuss: • A marital dispute involving the sale of a family property, • How to find out what you were made to do, • What to do with an inheritance. Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6  

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. Dr. John Deloney, best-selling author, Ramsey personality, and host of the Dr. John Deloney Show, is my co-host today with a brand-new book out, Own Your Past, Change Your Future. And it is in rocket ship mode. It is selling like crazy. For those of you who haven't gotten a copy, you are one of the few. Tens of thousands of folks have bought the book in the last week, and we appreciate that. Thank you very, very much.

We'll be taking your calls today about your money, about doing work that you love, about creating real relationships. Open phones at 888-825-5225. That's 888-825-5225. Ryan is going to start off this hour in Oklahoma City. Hi, Ryan. how are you? Wonderful. How are you, Dave? Better than I deserve. What's up?

Well, I'll just give you the quick part of it. My wife and I are in Babeships 4, 5, and 6. We are about to receive an early inheritance, we'll say. My parents are giving my brother and I the farm, and basically my brother's going to buy me out. So my portion of that would be about $400,000. Wow. Well, it's a very generous gift that my parents are blessing us with. And so what my question is, is our mortgage that's left is about $275,000, which in any normal case, I actually teach Financial Peace University,

our class. So as I would instruct any of our other folks, I would say pay off your mortgage. But we have a potential impending move back to Texas in the next year or two possible. And so my question became, do I go ahead and pay off the mortgage and sit on the balance to potentially buy a house where we're going down in Texas? Or do I go ahead and sit on all of it to pay cash for a house down in Texas and then sell the house here. Okay. Well, yeah, I'd go ahead and pay it off. Okay. And then when you get rid of the Texas,

you're going to have the cash in your hand because you're going to sell the house. Right. So all the money you put in the house is going to come back out. Okay. So you don't lose the money, obviously, when you pay it off. It's just invested into the house. And so because you're going to sell the house, so you'll have all this money, obviously, when you pay it off. It's just invested into the house. And so, because you're going to sell the house, so you'll have all this money plus whatever's left over,

all the paid-for house money and the money that's left over from the inheritance, all for the advanced inheritance, all for the Texas property, the cash purchase down there. Yes, yes, that's definitely what I would do. Definitely what I would do. Definitely what I would do. Okay, wonderful. Mom and dad got good tax advice, right? Yes, sir. And my brother has been looking for property outside of town, and they have decided during the early 70s,

they have decided they need to move into town. So it was a win-win for everybody. They're transferring this with good tax advice so they don't get a a gift tax problem yes sir they they they are doing a gift tax return which are the unified gift state uh yes that's exactly what they're doing yes sir good and you get to leave oklahoma and go to texas everybody's winning here everybody is everybody's winning here. Everybody's winning. Everybody is winning. You get to go back to Texas.

Yes, we do. Are they in Texas? They are. They're down in central Texas. We're very smack dab in the middle of Texas. Oh, my gosh. Have you got kids? I do, yes.

Small price to pay to get the grandkids close. That's right. It is, and that's the other portion of getting back to Texas is getting them back close to family. My parents' health is not great. It's not terrible, but it's not great. So get back closer to where we can see them on a regular basis. That's a beautiful, beautiful story.

Your mom and dad have been not only generous, but everybody's going to win on this. It's all the way around. It's very, very good. Cool. Love it, man. Congratulations. Yeah, go ahead and pay off the house in Oklahoma because you can sell it when you get ready to leave,

and they'll give you a check at the closing, and you can use that check plus whatever's left over to buy your next property. No problemo. Janelle's in Toledo. Hi, Janelle. How are you? Hi. Great.

Thanks for taking my call. Sure. What's up? My question for you, I'm really starting to get serious. I only have $1,500 of debt to pay off before I'm done. Good. My question, I want to start saving for my next car and I also want to start saving for a mortgage. My question is, should I build two separate accounts for these, and should they be money market or savings? It doesn't matter. They're about the same thing. Money market or savings doesn't matter much. And of course, you're going to build an emergency fund

before you do either one of these, right? Correct. Maybe step three, you're going to finish your emergency fund. Okay. Now, I personally, and it's okay to do it either way but i personally would choose to move up in car i'm guessing you're driving a beater um i'm not actually kind of interesting what are you driving what are you driving why do you want to change cars i don't want to change right now i'm just thinking for future i i do not want to change anytime what are you driving i'm thinking a buick verano 2012 it's been paid for i paid cash for it it was my parents okay what i was leading what i was leading to is i have found with a lot of things in this life but certainly money is one of them that what you

focus on is what happens and when you disperse your focus across two things it frustrates the crud out of me on both things i'd rather just knock one out and then go knock the next one out and i would just choose one or the other and so in other words i would just go i'm gonna i'm gonna drive the buick until i get my down payment and And then when I get my house, I'm going to save up and buy a better car. Or vice versa. I mean, you can do both at the same time. It's not illegal. It's not against, quote, the Ramsey plan.

But the power of focus is something. I can't do it. I have to laser in on one thing and knock it out. Otherwise, I become a scattered mess. And when I get frustrated, I'm a guy that, like, I'll out. Otherwise, I get, it just becomes a scattered mess. And when I get frustrated, I kind of, I'm a guy that like, I'll be eating well,

eating well, have chips and queso one night and I'm like, oh, this thing's over, right? And the next thing I know, I'm going to cover it in donut dust and whatever else, right? And so, like, I have to focus in on one thing

and just laser in on that. It's not a donut. It's not a pretty, with gummy bear spots all over your shirt. Yeah, all over the place. I think my it's not a pretty with the gummy bear spots all over the place i think my wife's got some pretty damning photos somewhere but no i i can get off the rails but i gotta stay focused that way yeah john deloney cancel culture comes out with your wife's photos with gummy bears stuck to my face yeah gummy bear spots and uh powdered donuts and

there that just ruins the whole mental health gig. I'm out. That's right. I'm out. I'm out. But I think you're right. We try to do everything all at the same time, man. Yeah, it's hard to do, and that's one of the reasons the baby steps work.

Yep. The clear plan is do this, don't do anything else, and then do this, don't do anything else. And there's something about that power of focus that that it locks your brain in it locks your habit patterns in and anything that's not aligned with that one thing then you don't do it well people do that with their marriages like they want to have a kid and also we want to save for this we want to buy this we want to fix our intimacy issues we want to go to grad school it's like dude we want to hike through europe yeah slow down man slow down one thing at a time pick one pick one yeah it's okay to do both it's not the end of the world but that's just some man. Slow down. One thing at a time. Pick one. Pick one.

Yeah, it's okay to do both. It's not the end of the world, but that's just some commentary on it from a couple of guys who struggle with having our attention on one thing at a time. This is The Ramsey Show. you've got a lot on your plate a job your home your marriage and your growing family while you're enjoying the present, you can't help but think about your future and your finances. As you explore your options, consider Christian Healthcare Ministries, or CHM, for your health care. Their generous maternity program and budget-friendly monthly programs have been a blessing to members welcoming children into their families. Visit chministries.org slash budget to see if it's right for you.

Christian Healthcare Ministries is a Ramsey Trusted Provider. Thank you for joining us, America. Dr. John Deloney, Ramsey personality, is my co-host today. He will be in Dallas this coming week, and part of that will be a book signing Wednesday night at Barnes & Noble, and that's over there on Beltline Road, that one, yeah. So be sure and get ready for that. It's going to happen coming up soon where in the world is that well I guess it's not here okay but anyway and also guys we are

getting ready to hit the road with our Building Wealth live event we're so excited to be back out again all of us are going or most all of us will be in Las Vegas and Orlando this spring Las Vegas is next Thursday one week from this Thursday, May the 5th. There's still a few tickets available. Now, this is all about investing, real investing, how to really build wealth. It's me, Rachel Cruz, George Camel. We're also bringing Dr. John Deloney, Ken Coleman, along, and we're going to have some wonderful panels there.

We'll all be signing books, doing photos, taking the city by storm, Las Vegas, May the 5th. Then in a couple of weeks after that, Orlando, May the 19th. Then Sacramento is in the fall, November the 1st, Minneapolis, November the 10th, and San Antonio, November the 15th. Warning, all of these events are approaching a sellout, especially Orlando is getting very, very close, and the ones in the fall are dangerously close. Tickets are only $25, and you can get a four-pack for only $60. So, you know, bring a couple of your friends with you.

$60 for four people, that's a deal. Check it out at ramsey solutions.com slash events hit the live events page there come out and hang out with us and make it part of the program open phones at 888-825-5225 john's in nor in new york city hi john welcome to the Ramsey Show. Hi, Dave. Thanks for having me on. How are you? Better than I deserve. What's up?

That's what I wanted to hear. I'm better than I deserve also. I wanted to start with a thank you. I went through FPU a number of years ago, and my wife and I are currently on four, five, and six. And I looked down a few months ago and realized that we're a babysit millionaires. Thank you. I just finished listening to babysits millionaires. So thank you for that one. And so, and I'm right now, I'm re-listening to TMMO and, you know, there was, there was something that you said about, you know, how once you finished roughly baby step three, if you're in a job you don't like, you know, you should start looking for something that is more

in line with what God put you here to do. And I've really struggled over the last, I don't know, probably 10 years or more over what that is. And I kind of ask because, you know, I always kind of get this feeling of I've been a cosmetic chemist for two decades and it's like, did God really put me here to make shampoo in motion? And by the way, I, yeah, I was just wondering if you had any insight for figuring out what you're supposed to do. I will say I've had this gnawing feeling lately

that I need to go teach an FPU class at my church. A couple of things. One is the way that sometimes calling gets talked about purpose gets talked about especially in a faith context is that god somehow has hidden something from you and you've got to spend your life trying to go find out where he hid it like what's god's purpose and i i don't love that um that way of looking at it what i'd really love is what are the sets of skills and talents and experiences you've had plus all of us have an inner i just call it an inner gnawing um that that gently nudge us sometimes i've been two hands shoved right

into a direction so i would ask you not so much what do you want to run from, right? You may have been making lotions for two decades, and you're kind of like, eh. When you imagine what that would be, what is it? Is it teaching? Is it singing, song? Like, what is it? So it's actually funny. Like, you know, from a skill set and what am I good at?

Like, you know, being a cosmetic chemist is it. Like, I teach a master's class in a cosmetic chemistry program near me. I'm actually on my way to teach class in about three hours. And so, like, it really comes easy to me. And, and if I look back, um, I could only say that God pushed me into it. It was, you know, I was, I was in newspaper printing and the God awful industry for a year. Let me ask you this. When you're teaching the class on chemistry, how does that feel?

I don't find, in your words, that I have the heart of a teacher. Then why are you getting a nudge? Why are you gnawing to teach Financial Peace University? university that i i think is sort of feeling like an obligation um like i've gotten i i've gotten so much out of out of here so you just want it that's a good that's i want to give i want to return i want to pay it forward on something that blessed me i appreciate that that's kind but that doesn't that doesn't inform your question. So, John, can I challenge you on something? Please.

I think you want to feel significant. And I think you like when you're teaching, even though you don't like having the heart of a teacher, you do like having students who say, this guy provides value. And somehow you have convinced yourself that making cosmetics is not making cosmetics provides no value. Well, I'll admit, that is sort of how I feel.

It's sort of like, is this it? Am I really just supposed to be making shampoo? That's a common life question that is less related to calling a purpose and more, there's just some life stages. So I have a friend, John, that's a world-class commercial photographer, a known name in that world. He's a big deal. But one of the things he does on the side, so to speak, as a ministry, is he will go to the ladies' homeless shelter with makeup artists and hair people and do glamour shots for these ladies who have lost their identity to homelessness. And it just lights up his whole world.

It's an incredible, incredible idea to start with. It's a very fun idea. What he's doing is beautiful. But that occurs to me with what you're doing, that somehow there's a piece of what you're doing that could be done for someone that might not have access to what your company provides. But maybe you could do something without violating any kind of employment agreement or anything that provided what you do to someone who might not have access to it. In this case, the guys aren't going into ladies homeless shelter. But that's an idea that pops into my head. So what you're looking for is a friend of mine used to say, gather your bouquet of flowers

from those that are within reach. It's not a mystery. They're all right there in front of you. And so go take Ken Coleman's assessment if you haven't. I'll have Kelly pick up and give it to you. And continue to do that. And I always love the line in Chariots of Fire, I feel God's pleasure when I run, is what Eric, whatever his name was, said.

The real guy. That was the movie he was made about. And he said, when I'm running, I feel God's pleasure. Because someone was questioning him why he didn't stop racing and go into the ministry. And he said, because when I run, I feel God's pleasure. And that's what you're looking for. And by the way, you don't feel it 24-7. No.

There's some times that you're going through TSA and the stupid Delta changes the flight because Delta is greek for you ain't getting there and you know you don't feel god's pleasure because you're on the way to wherever to go speak right but when you get up there to do the thing even though you're tired the wind is at your back this is the Ramsey Show. Thank you. Open phones this hour. Dr. John Deloney, Ramsey Personality, is my co-host. Michael and Kathleen are in Atlanta, Georgia. Itia says on my screen you guys are debt free congratulations thank you thank you way to go how much did you guys pay off

uh we paid off 260 000 wow how long did that take about 30 30 months. Good. And your range of income during that time? We started at $170,000, and today we are up to $290,000. Wow. What do you guys do for a living? I'll go first. I work in software and my wife. I work in legal technology for a law firm. Oh, so both of you chose these uh underpaying

careers bless your little hearts yes i'm so proud of y'all you're killing it what kind of debt was this 260 it was the house you paid off the house i'm talking to weird people how old are you guys uh i am 51 and 47 all right very cool way to go what's this house worth uh right about now we're at right at 800k wow way to go you guys how much is in your 401ks and iras oh boy 800 between all of them put together so you're debt-free house and everything baby steps millionaires yep way to go you did that about a year and a half ago and you're 50 years old you rock uh-huh it's absolutely perfect absolutely incredible i'm so proud of you very cool so what was the final thing that happened? Because you guys were already on this path,

but something happened two and a half years ago flipped the old switch for you. Well, so actually the whole journey started about six years ago with my husband listening to this guy named Dave Ramsey and reading Total Money Makeover and coming to me after we'd paid off all of our consumer debt and reading Total Money Makeover and coming to me after we'd paid off all of our consumer debt and cut up our credit cards and said, I think we can pay the house off. And so we started the process. And about two months before that house was paid off, not this house, we decided to sell it and start all over again. Well, why not? Why not?

So then we started again about two and a half years ago. We were like, okay, kick it back into gear and started all over again. And we've always been, over these last six years, the monthly budget meetings, which I'm not going to lie, I was harder to come around than my husband was. And we had some interesting budget meetings, but they're a lot better now. What does that mean, interesting budget meetings? You had some big fights. Tell us about them. Yes. I'm not the financial person. I am better now.

But it was difficult for me. But my husband, God bless his soul, was patient and made it work. And you work with lawyers, which meant you came armed, huh? Yeah. I argue by nature. I love it. That's so good. Okay, so that's nice that you pay him that compliment, but you also had some things you added to the equation with these arguments, right?

Like we have to have a life while we're doing this a hundred percent that was that was exactly i'm gonna let him take it from there i i think i think we had a lot of good conversations that i like to think about it i think dave you had mentioned it earlier on it's the way i choose to do it from check-ins, you know, throughout the month. And I think that was helpful, too, for us. Yeah, you've got to not just set the budget and run it. You've got to set it and check in and constantly make the little tweaks and adjustments that life has. Absolutely. Way to go, you guys.

I'm very, very proud of you. Okay, you're big time. You're 50 years old. You're Baby Steps Millionaires. You even went and bought another house and paid it off. I mean, all within the guidelines of what we teach, everything is right there. You know, nothing you said, you know, is something I wouldn't have recommended had you called here on the air. Everything fit.

And now you're there. You know, you're worth a couple million dollars, paid for house, so you're actually experts, you're not somebody with just an opinion, you've actually got an experience. What is the key to getting out of debt and building wealth? Oh, my God. I mean, it was the budget, and it's just being on the same page and even having those healthy discussions it even through any arguments

or anything like that just at the end of the day agreeing to do it together yeah that's powerful yeah that's the uh that's the art of being married really there's that too yeah yeah i mean it's uh learning to uh to be wrong or to be right and still go along kathleen what would you advice would you give a couple right now one of them is just bent on keeping spending and not doing that budget at some point you said all right i'm going to submit to this process what what advice would you give them you know know, it was the goals that he showed me that what we could accomplish and what retirement would look like. And that had been one of the things that I've always wanted to do is to try and retire early and for us to enjoy our lives earlier than later. And so I guess that was sort of the carrot and the stick that he gave to me was, you know, we can do this if we do X, Y, and Z.

And it was just a good, constant, healthy discussion. And he also did, and we also built in, you know, vacations. We lived and we still, you know, we were lucky enough that we didn't have any consumer debt at the time. And we were able to just focus on knocking this out and still living i mean we live skinny but not not quite beans and rice but yeah more like you know chicken and beans and rice so what um man that's powerful oh man that's so good yeah because we hear a lot of guys who come at you with you need to sell this and sell this but he came at her with a picture right yeah this is what this can look like yeah you, you got it. This is the bigger deal.

So you lived like no one else. Now you're ready to live and give like no one else. What's your big thing you want to do right now that you're going to enjoy? You said, well, we can enjoy our money. So what's the big enjoyment? What's the next big thing? Gosh, I don't know. Yeah, we're going to give ourselves sort of a celebratory trip at the end of the year

where are you going but i think most mostly this like increasing that budget amount for what we can do yeah where are you going on the trip do you know i think it might be antigua we're thinking about that that's sweet that's a good trip you ought to do that one i like that one yeah very very good st lucia's not bad either yeah good good for you guys well done well done i love it i'm so proud of you we got a copy of the baby steps millionaires for you since you are one how ordinary people build extraordinary wealth how you can too maybe you can read it and give it away you never know this is what i did right here and also a copy copy of total money makeover because that's what you did you can give can give that away as well. So proud of you guys.

You're heroes. Congratulations. Baby Steps Millionaires, debt-free house and everything. They're weirdos. Michael and Kathleen, Atlanta, Georgia, $260,000 paid off in 30 months, making $170,000 to $290,000. Count it down. Let's hear a debt-free scream.

Three, two, one. hear a debt-free scream. Three, two, one. We're debt-free! Yeah! Whoop, whoop, whoop, whoop, whoop, whoop, whoop, whoop. Well done. Well done. Well, they were a little early on some of their numbers. Our exact typical millionaire, statistically, in the 10,000 millionaires that we studied was 51 years old when they became a millionaire.

Their house had been paid for a while, and one-third of them make less than $100,000. Now, these guys make more than $100,000 considerably, but they got $2 million by the time they were 50, not $1 million. And they did it paying off the house here at the end of the run, and that's a perfect thing. So they were probably millionaires early, and that's how they get to $2 million by the time they got to 51. The classic number is that 51-year-old. That's the case study, The statistical average. The statistical mean. I keep going back to that most common question we get is, how do I get

my spouse on board? And we always lean back there. Paint them a picture of what this looks like. What this can look like. Live like no one else so that later you can live and give like no one else. Don't start with the start of that sentence. Start with the back of it. This is the Ramsey personality is my co-host today. Open phones at 888-825-5225.

Dan's in Kansas City. Hi, Dan. Welcome to the Ramsey Show. Well, Dave, I am in a quandary. Okay. My wife and I married each other. That's always a good thing to do. Excellent. Yes, yes.

Thank you very much. We got married. It'll be two years in July. And both of us have never been married before, but we had dated a long time. Since then, we've been looking for a home here, and these prices have just gotten insane. And what we're having a major disagreement about, and I mean a major disagreement about, is how to pay for this. She said that when we got married, now this is a conversation that I don't remember all of the particular details, but she said that our original plan was that she sells her house. I sell mine, of which I already have, and I moved in with her in her place, which already has $100,000 worth of debt.

I married $100,000 worth of debt, too. So she also says that we agreed before we got married that I would sell my farm property, which is a quarter section out in western Kansas, that's been in family hands for 130 years. Now, I don't exactly remember that part of the conversation, but I know that when we sell that, it's going to involve capital gains taxes, pretty substantial ones. My accountant says somewhere between $40,000 to $50,000 combined federal

and state. So I proposed to my wife this, that we keep the property, still buy a house, because we can cash flow with the wheat sales about another five six hundred dollars worth of payments above and beyond of what we do now then we take the milo money and we bank that for the next five years which is when i plan to retire and then we'll have at least that money to pay most, if not all, of these capital gains taxes. And then we sell the property at that point and retire the mortgage. She says, no, sell it now and, you know, then buy something cash. What do you think? So I'm hearing that either way the property is sold, it's just a matter of now or five years from now.

Well, unless we can find a way or buy a property that we can because she's agreed to come up with... Let's stop a second, because this property you know you outlined a very emotional thing that's been in your family for 130 some odd years 130 yeah yeah so you know um all math aside and even marital arguments aside, are you going to sell this property ever? Well, at some point, because she has no children and I have no children. We've never been married before and we have no family.

Really? I know that enters into it. Yeah. Well, at some point... You're saying it's going to leave the family you're saying it's going to leave the family when you die anyway yes okay yeah so why not go ahead and enjoy the fruits of some of it now what's it worth if you sold it now around 300 okay all right and what's wrong with your wife's current house as a place for you all just to stay? Well, it's a two-bedroom townhouse.

And it has one bath. And I've shared, I love my wife dearly, but I've shared a bath with her for almost two years and I've not enjoyed the process. Okay. So you guys, what's the townhouse worth townhouse is worth about 180 190 and with her um with all the we've had our what is owed on it is anything owed on it a hundred thousand owed on it about a hundred thousand yeah okay and so it's going to clear about 80 and you got about 300 over there and if you got money left over from the sale of your house also 110 okay all right and so you could buy a $200,000 property and pay cash for it well we could but you can't get really much in Kansas City or

particularly in Johnson County where we live you You can't get much for $200. Let me flip this around. What's the alternative? You've created this, what I would say is a highly complex, and I moved here from a farming community, a complex, the grains have to hit, it has to rain right, we've got to get the subsidy in. You've laid out a complex matrix for five years from now we could x y and z yeah why not i mean that's a lot simpler just know it now yeah and a capital gain

sounds like a distraction to me if if i didn't have all this other stuff in this conversation i would tell you to sell the property now pay pay the capital gains, sell the townhouse, and go buy a property that both of you love. Now, what's bothering me about that is that the two of you, after two years, can't. Two old dogs trying to learn new tricks working together is tougher than two young pups doing that. And so I'm a whole lot, i'm 90 percent concerned in this conversation about the fact that you two can't resolve this argument and i'm only 10 concerned with how you resolve it yeah um i mean to the point that she's even saying you said things you don't remember saying that's weird.

Well, she's a pretty powerful personality, and there are times during our long relationship, dating and married, that I have found it more, and I might have agreed to that. I don't, my memory isn't that. What you're saying is you caved. Well, I have found that sometimes it's better, or at least in the short term, it's better to play cater than to keep trying to resolve the issue. Okay, that's my problem.

Okay? John, help me here. Yes. Because my problem is I don't give a rip if you sell the farm or not, but the problem is if you sell the farm and go do exactly what she wants, this is going to come up again. Or if you lie to her in order to get through a conversation, all you're doing is kicking the can down the road for a larger explosion when it happens. This is going to come up again. Or if you lie to her in order to get through a conversation,

all you're doing is kicking the can down the road for a larger explosion when it happens. And now you've drawn lines. You've drawn battle lines. I've got my plan. Well, she's got her plan. And, man, this just doesn't end well. It ends unnecessarily bad, particularly if both of your plans end up with selling the farm. And so I would love to see you circle back to her and say, all right, so I've never done this before.

I've never had a marital spat like this before with 130-year-old property. I'm asking for a mulligan. Can we start the conversation anew? What do we want to look at? You're talking about she brought into debt and I married. Y'all are all on the same page. You're just having to practice doing life together after a long time of not having to do life together. Expect there to be stumbles.

Be curious about them. Don't get angry and frustrated about them. And always circle back and say, hey, we need to do this one over again. And this is when y'all need to do over again. Because what you're fighting about is do we want to have a pretty nice house for the rest of our life just to ride or die with until this thing's over which could be a lot of fun but if you get bogged up in the mechanics of how are we going to get there man then you're just if you get bogged up in my wife i caved and she held me to it and i sold 130 130-old family property when I didn't want to just to make her happy in this house,

then the first time she whines about the wallpaper, you're going to go bananas. You're going to burn the house down out of spite. I might know somebody that did this, so I'm just telling you, okay? I've got this friend, right? I've got this buddy named Rave Damsey. Yeah, so you guys need to work on the relationship part of this, and then the actual mechanics of how to do the deal will be a whole lot easier. That's what's scaring John and I.

We're looking at each other while you're telling all this. This is The Ramsey Show. Did you know over 18 million people listen to The Ramsey Show every week? A lot of those people listen on one of our 600-plus radio stations across the country. To find a station near you, go to RamseySolutions.com slash show.