The Ramsey Show - App - I Need Help Leaving an Abusive Relationship (Hour 3)

Episode Date: February 14, 2022

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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, Ken Coleman. Ramsey Personality is my co-host today. As we talk about your career, your work, your mental health, your relationships, your boundaries, and your money, it all shows up right here on The Ramsey Show. Thank you for joining us. 888-825-5225. Gavin is with us in Minnesota. Hi, Gavin. Welcome to The Ramsey Show. Thank you very much, guys. How are you today? Better than we deserve, brother. How can we help? So my wife and I currently live in a 600-square-foot

apartment. We are $17,000 in debt with a truck that I had to get for my job. And we have an opportunity to rent to own five acres with a 900-square-foot cabin on it that needs about five grand of improvements to make it livable. And I'm not entirely sure what course of action to take while I'm trying to do the baby steps in this situation. You don't have the money. Correct. Well, we have $5,000 saved up in addition to our emergency fund of $1,000 without, and that's not including retirement. But that saving is in mutual funds,

and we're not entirely sure if we should just be patient, wait for another opportunity in the next few years and allow that savings to keep growing or because we're on baby step two, cancel all of that extra investing into mutual funds and then take out that money to make the improvements and then do 500 a month on a rent to own rather than renting a property that we're only temporarily living in um gavin how old are you guys i am 20 and my wife is 21 okay um well let's walk through a couple of things here. One is I want to go back and revisit the statement, your work requires you to go into debt to buy them a truck.

I'm so confused. That is correct. I'm so confused. What's your household income? My wife works part-time, and she brings in about $600 a month, and then I bring in about $2,400 a month. Why does she work part-time, and she brings in about $600 a month, and then I bring in about $2,400 a month. Why does she work part-time? Well, she applied for a full-time position, but she's only getting part-time hours right now.

And she is pregnant, so she doesn't want to start a full-time position right before going on maternity leave. That matters. Okay. That's good information. All right. Now, and you make $30,000 a year, and you have a $17,000 truck. Correct. Yeah.

Okay. Well, it was $24,000, but then we've been attacking it, so now it's down to $17,000. Yeah, but it's insanity. So why do they require you to buy a truck? Why don't they furnish you a truck? That is a great question. I put on 5,000 miles a month supervising 13 different hog barns, and they require me to have a decent vehicle.

They do pay me mileage. They do pay for the insurance with that pension they pay for the insurance and the uh minimum payment however all that debt is still in my name not theirs okay you don't get paid enough for them to do this to you and you to accept it. Your deal sucks. 60,000 miles a year on a pickup truck, you know what you're doing to the value of that pickup truck?

You're destroying the value of that. Down, down, down. Yeah, you're destroying the value of that pickup truck. And so you're actually probably paying them to work there when all the smoke clears on this. Just because the value of the truck decreases so rapidly. When you make $30,000 a year and you lose $10,000 for the opportunity, that doesn't work, dude. Yeah, I have a quick question on the they require you to have a decent vehicle.

What does that mean? That means they want him to be able to get to 13 different hog barns yeah without breaking right they want me to put on that many miles a year without it breaking down on me and be they uh because of biosecurity reasons just because there's so many um hogs so i don't spread diseases i have to be um and i have to transport some other individuals so it has to be a crew cab it to be a leather seat so it can be disinfected on a regular basis. Oh, my gosh. I was going to say, because I was going to come at that. I can get you a much more affordable truck that'll get you to all those hog farms,

but that's a whole other deal. They're ripping him off. Dude, your employer are completely asinine. This is ridiculous that they require all of this for you and you work your butt off for the no more money than you're making i mean they really got some nerve um so are you in a very rural extremely rural area uh yes yeah okay all right i mean i would say 80 the miles are on um are on the interstate doesn't matter but is this a long-term play for you do you want to be in this particular industry and this is a really good rung on the ladder to get you where you want to go

this is not my dream job and i do not want to have this job until i retire if that answers your question well what is your dream job my dream job is to be able to uh to really farm full-time but that's not attainable anywhere in the near future right so my question is is this job right now besides the fact you're getting ripped off is it strategic for you you feel like this is the rung on the ladder i need to be on to keep climbing towards farming or no? To have the amount of income that I do, I doubled my income when I moved to this job. And right now I don't seem to have any other opportunities super close to home in order to maintain that income within $10,000 both ways a year without driving an hour and a half to two hours to work.

Wow. How open to moving outside of this area are you and your wife? Not very. Let me stop you for a second. With what they're costing you by requiring this truck, you guys are living below the poverty level. That's why we're so concerned. Yeah.

You're not making any money. It's a mathematical mirage because you're destroying $25,000 while you're making $30,000. And this requirement that they've got on a 21-year-old young man, or at least you've accepted it as a requirement, it's just unreasonable. And so they either need to furnish you a truck or you need to look for a job somewhere else. And that may mean a move. It may mean uprooting your family.

But, no, you don't need to buy this cabin. You're broke and in debt, and your career sucks. So you've got to get some of those things fixed first before you start talking about doing a rent-to-own on a fixer-upper cabin. So I think you've got to solve your job situation in this truck situation because this truck needs to go bye-bye. And if that means the job goes bye-bye you need to have something lined up hold on i'm going to have ken send you a copy of have the team send you a copy of ken's book paycheck to purpose because you know you called about the cabin but the cabin's not your issue no you don't buy the cabin yes you've got to get rid of this

truck and that may mean you need to change jobs. Today we have the most tech advanced society in history but people have never been more stressed, medicated, or lonely. You know life isn't supposed to be this way, but you're carrying the weight of your past stories, and it's holding you back. Ramsey personality Dr. John Deloney has been there. He's felt the anxiety. He's felt lonely, overwhelmed, and disconnected, but he decided he deserved to be well, and so do you. And now he's launching his new book, Own Your Past, Change Your Future, to walk you through a not-so-complicated approach to relationships, mental health, and wellness. This book provides a clear five-step path to becoming mentally healthy by getting connected, mastering your thoughts, and controlling your actions, Dr. Deloney wants to help you leave the past where it belongs and get on the plan to healing.

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And here's why you should pre-order right now. The book will come out in April, and we're in pre-sale right now. But if you preorder, you're going to get free bonus items that include an entire month of free one-on-one therapy with our friends at BetterHelp. So preorder your own copy of Own Your Past, Change Your Future. It's only twenty dollars you get everything in the world with it including this month of help from better help all at ramsey solutions.com the book is own your past change your future dr john deloney hot hot topic right now in this world that we live in full of lots of hurt out there steve's with us in mont, Alabama. Hi, Steve. Welcome to the Ramsey Show.

Hey, Dave. Thank you so much for taking my call. I've been listening to you for so many years, and I finally hit rock bottom, and I need your help. Okay. I've been in the Army now for 20 years, and I'm going to be retiring in two years and my family and i are in chapter 13 bankruptcy when we were in washington state uh we were full-time rv years and we fell into buying a brand new fifth wheel that was a hundred thousand dollars and it ended up being a lemon and because we're military and have, you know, Alabama driver's license,

Oregon plates, bought it in Washington, et cetera, et cetera, a lawyer told me that lemon law wouldn't work, and our best thing was Chapter 13. So we're 21 months into our Chapter 13, and we have $32,000 left in the bankruptcy. Did you surrender the trailer? Yes, we surrendered it. Okay. But they missed the deadline, so they didn't get any money. so you surrender the trailer and there's no um they missed the deadline to file under the chapter 13

that's correct and oh for for any for any uh deficit on the repossession i see that's correct yes all right so the 32000 that's in the Chapter 13 is what? It's my wife's car and my truck, and then four credit cards. What do you owe on the car and the truck? On the car is $18,000. On my truck is $9,000. And then on each of the credit cards is $4,000. $5,000 is not vehicles. The rest of it's all vehicles.

That's correct. So what's your household income? So gross is $90,000. I'm active duty on me and everything, and I've just been horrible with money i'm gonna be perfectly honest with you i've been a multi-tour deployments and you know money's huge while you're deployed spin spin spin spin and i've realized my mistakes i'm sick and tired of living paycheck to paycheck and just wondering where's the money at well Well, thank you for your service.

And I appreciate that you're ready to turn this around. So what you could do is, do you have any money saved now that you've been in this for 22 months? Nothing at all. Okay. All right. I would run a Kelley Blue Book on both of these cars and see what, in this ridiculous car market, what they're selling for. It's possible you could sell them for enough to get out of them. Okay. And if you did that, you could voluntarily dismiss the 13.

You would only have $5,000 in debt left, making $90,000. Now, we quickly got to get you a couple of beater cars that you pay cash for to drive around until you get this behind you. But if you had two beater cars that you paid a couple thousand bucks each for right quick, you release this, you sell these cars, and then you dive in, dive on the credit cards and get them paid off. I think you're free, and you're completely debt-free, and you're ready to start your life fresh, and you're out of the bankruptcy. Yes, sir.

But the cars would have to sell for enough to get you out of them. Right, okay. They might sell for more. Yeah, they probably would down here in this market. What are the cars real quick? While you're talking to Dave, I want to do some research. Yes, sir. The truck is a 2009 Dodge Ram 3500 that was used to pull the fifth wheel.

What's the car? And the car is a 2016 Toyota RAV4. It's pretty high up on the options list. Yeah. Well, I'm going to guess. I'm going to go even further now. I'm going to guess that when you look these things up, you can sell them for enough to completely pay off all of your debt

and have a little money in your pocket. I'll bet you they bring more than five thousand dollars total than you owe and then we got to get you a couple of little dinky butt cars of some kind to get around it for just a little while but if you make ninety thousand dollars and you're on a ramsey budget and we show you how to handle money in financial peace university and you don't have a payment in the world you're going to be just fine you're going to quickly be able to get better cars and pay cash for them yes sir and that that's what i want to get to would you all would you and your wife sacrifice these cars i know that i would and i can i believe i could justify it to her because she's she's her entire she's taken on the entire role of making the family function

financially and she does the lion's share and i wonder how in the world she does it and she's taken on the entire role of making the family function financially and she does the lion's share and i wonder how in the world she does it and she's tired um okay and she's so here's what we're going to do there's one last thing you got to do that i do not know the answer to and you hear me clearly you have to get the answer to this question if you step out of this bankruptcy with a voluntary dismissal can the old fifth wheel company come after you for the deficit then? Are you stepping out from under the shield of bankruptcy? I'm not sure if they can or not. Yeah, I'm not sure either.

If they could come after you for $40,000 because we suggest you file early voluntary dismissal on this bankruptcy, then you're not going to do that. Okay? Okay. So you've got to make sure they don't come around and take your head off after we take you out of this. Because basically you have a force field around you called bankruptcy protecting you. Yes, sir. Okay.

And if you let that force field down, we don't want the fifth wheel people to shoot at you. Okay? Yes, sir. So I should talk to my lawyer and have him talk to my lawyer. let that force field down we don't want the fifth wheel people to shoot at you okay yes sir so i should i should talk to my lawyer and talk to your lawyer and find out if you file if you if you sell the cars and voluntarily dismiss and get out of the bankruptcy and clear up all your debt does that leave the fifth wheel people open to come after you i don't know the answer to that question i think it might and that's what's scaring me. So what did you find, Ken? That you got a 2016 Toyota RAV4 anywhere from 103,000 miles for $20,990

or one with 88,000 miles, $24,990. I went a little on the higher miles. Did you get the Ram? I didn't get the Ram, the 2009. It's more than $9,000. So I'm right. You're absolutely right. They can clear their bankruptcy completely by selling these two cars and go get you a couple of beaters.

It's exactly what I'd do, but not if they're going to do this. Now, hang on. Kelly's going to sign you guys up for Financial Peace University. You and your wife. It's our gift to say thank you for your service, and it's time for you to change your life, Steve. In the lobby of Ramsey Solutions on the debt-free stage, Tobin and Lindsay are with us from Atlanta. Actually, a little south of Atlanta, right? That's right. Welcome guys. Good to have you guys. It's so good to have you.

Welcome. How much debt have you paid off? We paid off $108,000. Alright. How long did that take? 30 months. Wow. And your range of income during that time? $150,000 to $220,000. Good for you. What do you guys do for a living? Automotive living automotive finance ah both of you

both of you working the same thing okay cool very cool at a local dealer or what for a bank for a bank okay yes all right cool very good welcome guys what kind of debt was the 108,000 it's a little bit of everything. Cars, motorcycles, credit cards, student loans. Average. It sounds kind of normal. What was the most expensive motorcycle? Oh, man, that one hurt. That was a 2013 Harley Softail Classic, and I think 15 grand we owed on it.

It hurt because you liked it oh yeah i brought it for him for his birthday but you know i think you liked it more i did i did so i had a call she's calling off the specs yes she is you can see that far and away look when she talked about it you still remember the pain of that one i do the thing driving away i may have cried a little little tear when it drove away yeah might have happened yeah okay so what flipped you guys what in the world made you two and a half years ago decide to go crazy and do ramsey well so we went to a financial fpu class at our local church and that was it we went into it like personally we had separate bank accounts

we were doing our own thing. And me, I'll just, I'll just go ahead and air my dirty laundry. I went in like this. Sure. I'm good.

Sure. I know about money. Sure. I'm in freaking finance. It's what I do for a living. Yeah. I mean, I got it.

No problem. Yeah. That's right. I don't think he said anything for the first three classes. No. Not a word. My actual body language was this yeah i don't

want to be here she drugged me yeah all right cool then what happened what unfolded the arms just submitting to the process just going why would you do that i mean what happened what was the one in financial information that got you to go, oh, wait? Well, so for you, like you, you really just going through the whole thing. And actually the statement was this that sticks with me is you said, and you were more elegant, was I can't live in the apartment that's ran by a 20-something-year-old kid in another state, but I can buy the entire complex. I think it was at that time you realized, like, the money thing that we've always thought about just didn't make sense. It was trying to do a different approach. Yeah, it was just changing our behavior.

Okay. But you had to believe that there was a different way of measuring winning. Absolutely. And you say, okay, the FICO is not the measure of winning. That's right. The great FICO. Worshiping at the altar of the great FICO. That's what that little riff is about. Yeah.

I don't have a FICO score, so I can't rent an apartment if they require that. Of course. That's what that whole riff is about. Yeah, right. And so, yeah. Oh, my gosh. That's wild. Good for you guys.

How long have y'all been married? Six years. Okay. So two and a half of the six, you've been on this journey. Good for you guys. How long have you all been married? Six years. Okay. So two and a half of the six, you've been on this journey. Yes. All right. Very cool.

And now you're completely debt-free, everything but the house. Everything but the house. We have that slated to be pay off in two years. Wow. Look at you. Wow. So how does it feel now? It feels great. It's nice to be able to just pay cash for things.

You know, to tell you the truth, I always say we weren't really gazelle intense. We were more like hippopotamus intense because we were still going on vacations and going out to eat and that sort of thing. We just did it a little bit slower on purpose. We probably could have done it in about 24 months. Yeah, I was looking at your income. Yeah, you could have done a lot better. Yeah, I guess that's right.

I wasn't going to call you out on your debt-free scream day, but there you go. Yeah, that's good. Good, very good. That's okay. You got out. We did. Will you go back?

Oh, no. No. No, sir. No way. Not going to talk you into it, huh? No. Okay. Very cool. What do you tell Not going to talk you into it, huh? No. Okay. Very cool.

What do you tell people the key to getting out of debt is? Well, first, you've got to submit your finances to God. Capital G, capital O, capital D. Submit your finances to God. Submit to each other the accountability. One bank account, one plan, one goal, one and I'm for us. That's a driving factor. It's that accountability that's built in.

And then just have submitting to the process. And that was the thing that for me was, why do I want to do it Dave Ramsey's way? I mean, why do I want to do it Dave Ramsey's way? I mean, why? But it was just saying these things of, I can't live there, but I can buy it. And just, I mean, submit your finances to God. Submit to each other. And submit to the process.

A proven plan. You two both have uh strong personalities so i got a feeling it just looking at you i got a feeling the whole putting the bank accounts together and getting on the same page was uh a process wasn't it it was and when we made that decision to do it it was easy once we made that decision to just go full force. But what was actually interesting is I was still on a bank account with my mother and it took about almost a month to go through that process of taking her off and then putting him on. So there's a little bit of work involved. But once we did that, we realized how powerful both of our incomes were

together. So how does the conversation go on selling the motorcycle? Who brings that up? Well, like you said earlier, I was a little more attached to the motorcycle. I actually remember the day I bought it. It was for your birthday. Put it in the driveway, had balloons on it and everything. And I'm calling him every three minutes. Why are you coming home? Why are you coming home? This is a great wife. Yeah. I think, thank you. I'll take it. And because I saw this big storm cloud coming and I didn't want to have to cover up the motorcycle. And he pulls in the driveway eventually, and he says, you know, I don't have a motorcycle license. And I'm like, what?

I was like, you said you could drive this thing. I'm like, I got online. I'm like, I'm signing up for a class right now because we are getting out on the road on this thing. So, yeah. Too great. Okay. So how did it come up to sell it who brought it up well that was something i knew that we had to do so i said we can have these things in the future

we can have these nice things that we want but we have to be in a position where we're just paying cash and we're being smart with our money so ding ding there it is so you brought it up i did okay and tobin what'd you say you went i can't believe you're doing this no okay oh you said okay okay yeah you were in it's about that it's about that shared goal yeah yeah whatever it takes to get the goal yep yeah that's it powerful i you know i i we laughed but but i understand you know he kept talking about the process you went to a deep place there the audience heard it they saw it you submit the process. You went to a deep place there. The audience heard it. They saw it. You submit the process.

That's hard. It's very hard because if you get serious about losing weight or you get serious about putting on muscle or whatever it is, it's the discipline that is so hard. You ask yourself, why am I doing this? I remember when Dave forced me to train and run in the half marathon. Why am I doing this he forced he shamed me i've deep trauma over it folks shame it's another show yeah but i mean there's something special about embracing the discipline to get to the desired future yeah and it's something that

like thinking about this is the process takes time it's not immediate and for for the people that have been going through it for six months, six years, whatever, and you're still just moving and moving and moving, just be consistent. Keep going. Keep going. Because for us, it's always we're planning for us at 40, 50, beyond. And that's the process is it's not immediate. Just keep going.

That's right keep going yeah we got a copy of baby steps millionaires for you that's the next chapter in your story for sure you're on your way how ordinary people built extraordinary wealth and how you will too and a copy of total money makeover for you guys to give away to somebody and get their journey started you guys are an incredible couple it's fun talking to you i'm so proud of you tobin and lindsey atlanta georgia area paid off 108 000 in 30 months making 150 to 220 count it down let's hear a debt-free scream three two one we're debt-free This is how it's done, boys and girls. Oh, man.

Grown-up stuff right here on The Ramsey Show. Our scripture of the day, Proverbs 11.1, The Lord detests dishonest scales, but accurate weights find favor with him. Elizabeth Arden said, Repetition makes reputation, and reputation makes customers. Ooh, sounds good. Mary's with us in Spokane, Washington. Hi, Washington. Hi, Mary. Welcome to The Ramsey Show.

Thank you. How are you? Better than I deserve. How can we help? So I am 33, and I am making plans to leave an abusive marriage. I have two kids, but I'm really scared and kind of questioning what I need moving forward. I've used your model in the past. We are debt-free, but I do have a few questions on when I'm a single and come home,

where do I need to be placing certain things? Sorry. So do you have an income now? I do, yes Okay, how much do you make? $110 Okay Why are you still there? You should leave today

I grew up with a single mom Don't care You said abusive And once you said abusive, you're done I grew up with a single mom and um don't care don't care there's a lot of trauma you said abusive and once you said abusive you're done I know

you make $110,000 a year you're gonna be fine I'll help you we're gonna work with you but honey you gotta get out of there you're saying physical abuse right yeah there's a couple things um but he's gotten treatment I don't care physical abuse, right? Yeah.

There's a couple things. He's gotten treatment. I don't care. You've made the decision to leave. The only thing holding you is Stockholm Syndrome. I just don't know if I can do it by myself. That's his words, not yours.

His words in your head. That's what abusers do. They take away your confidence. Honey, you make $110,000 a year. There's a lot of things you are, but stupid ain't one of them. Stupid people don't make $110,000 a year. What do you do for a living? I work for the government, and I'm a program manager.

Okay. All right. So you have a steady income and a great income. Yes. Why don't you think you can do it on $110,000 a year in Spokane, Washington? I just haven't made the jump yet, and I don't know whether or not I should buy or rent a home with the current market. You need to rent.

Okay. Because you need to get out of there this week. You don't have time to buy a home. Okay. You need to have a sense of urgency that you don't have now for the safety of your neck and your kids. Am I wrong? I feel like we are safe. Why? Why?

There's certain things that he can't do now because of a charge that he got, and he's in counseling. We're in counseling. Kids are in counseling. So I'm just – What keeps him from doing those things? A rule? A law?

Yeah. A rule. Yeah. Well, there's a rule that happened long before that rule was put in place. The rule is you don't hit your wife and your kids. That's a rule. Yeah. Well, there's a rule that happened long before that rule was put in place. The rule is you don't hit your wife and your kids. That's a rule. That one didn't occur to him. This guy doesn't follow rules.

No. Okay. If you think that the domestic abuse is over and that the counseling is working, you wouldn't be calling me. Yeah. and that the counseling is working, you wouldn't be calling me. Yeah, I just want to figure out how financially best to, because like I said, I was raised by a single mom. Okay, let me restate that, and you tell me if I'm right. If you thought that he was done and he was getting well and he was repentant and he was healing from whatever it is that caused him to do these things if you thought that was the case you

wouldn't be calling me asking me how you were going to end your marriage due to the fact it was abusive so you don't think he's better you don't think he's okay you don't think he's okay. You don't think he's safe. That's why you're leaving. Am I missing something? No, I just, I've lost trust. So although things aren't occurring now, I've lost that trust. And I don't want my kids to be further traumatized, and I don't want them thinking that this is a healthy relation. I agree.

This is how a healthy relationship should be. So you're done? Yeah. Okay. There's no reason for you to stay a minute more, Mary. What specifically are you afraid of? Dave's already told you, and he's right, you've got a great income and a great job. What are you scared of?

Because you called and said, I'm preparing to leave, but it's just like you're needing that nudge or confirmation.udge i thought you were gonna tell me you didn't have a job or something what are you afraid of specifically well btsp and anxiety doesn't help but i'm i'm afraid that um i'm not going to be enough for the kids or that my income is not going to be enough for them. And I don't know if I'm... How old are you? 33. Okay.

And what's your degree in? Nursing, bachelor's nursing. Okay. All right. So I want you to listen listen i've got i've got seven grandbabies and a daughter your age okay and that's the only thing that authorizes me to say this so i don't i don't have a i don't have a uh a doctoral in counseling like dr john deloney i don't have any of that but i want you to listen to me real clearly okay you are going to be an incredible mother because you're protecting

your children you are an intelligent lady you're a smart lady you're a wise lady and you make a ton of money you're gonna be just fine quit believing the lies that he has told you that's the trap he put you in okay you are gonna be fine the kids are gonna be great you're gonna do just fine and they're gonna tell the story sometime about their courageous mom who got them away from an abusive dad. But you have to do this, and you have to do it right now. So here's what we're going to do, okay? Because this is not a financial problem.

This is an emotional, psychological problem. I am telling you as the number one guy in America to advise you on your money that you have enough money to leave, and you should leave now. And you can feed your kids in Spokane, Washington on $110,000. You are fine. They are fine. You are enough. You're going to be a great mom. You're going to be a great single mom. You're going to do great. Your kids are going to heal. You're going to heal. You're going to look in the rearview mirror and see this manure in the rearview mirror. But you've got to put it in the rearview mirror. You're plenty.

Now, here's what we're going to do. I have trained Ramsey certified coaches in your market. And Kelly is going to pick up and we're going to have you sit down with one today or tomorrow. It's going to cost you nothing. We're going to pay for it. Okay? Okay. or tomorrow it's going to cost you nothing we're going to pay for it okay okay and they're going to help you do a budget and show you how to get your rent going and show you how to get this stuff done and i'm going to put you through financial peace university so you can be confident on

handling money as well now when you get that level of confidence in the next three days i want you to pack your stuff and get out of there. I'm scared for your babies. I'm scared you're going to hang on and hang on and hang on and hang on and hang on because of your lack of confidence that is completely unfounded and unfactual. Does that sound mean? Does that sound mean? Does that sound mean? No. No.

Okay. It's just embarrassing. It's not embarrassing. You didn't do anything wrong. It is embarrassing, but you didn't do it. Okay? And I want you to hear loud and clear that you're plenty. You're enough. And I want you to feel a Ramsey hug coming through the airwaves right now, and this whole

organization is going to come around you and make your life okay. We're going to show you how to do it. You have the tools to have a great life, okay? Thank you. We believe in you. I want you to call me back on the air and tell America that you're okay when you get the crap out of that house. You hold on, and Kelly will pick up, and we're going to get you signed up for whatever you need. And hook her up with Ken, too. She's going to be hooked up with Ken. She's got a job. She's crushing it.

She's crushing it. What am I saying? Put her in everything she needs. Anything she needs. Get it to her. Get her out of that house, Kelly. This is The Ramsey Show. Have a friend or family member that needs a daily dose of Ramsey advice in their life?

Let them know about the Ramsey Call of the Day podcast. It's a quick hit of advice about life and money in under 10 minutes. Check out the Ramsey Call of the Day podcast wherever you listen to podcasts.