The Ramsey Show - App - I Won the Lottery and Haven’t Told My Family… (Hour 1)

Episode Date: September 27, 2023

Live from the headquarters of Ramsey Solutions, it's The Ramsey Show, where we help people build wealth, do work that they love, and create actual amazing relationships. Dr. John Deloney, Ramsey personality, number one best-selling author and host of The Dr. John Deloney Show on the Ram, number one best-selling author and host of the Dr. John Deloney Show on the Ramsey Networks is my co-host today. We talk about your life, and he does as well, including relationships and boundaries and family and money, and we're going to do it all today, and we're going to talk about you right in front of you. The advice is free, and some say it's worth what you pay for it.

888-825-5225. One week from yesterday, John's new book hits, and that means you've got just a couple of days to get the Buying a Non-Anxious Life book. Building. Building. I'd like to buy one. Buying the book.Anxious Life book. Building. Building. I'd like to buy one. Buying the book, Building a Non-Anxious Life.

I'm trying to get all these in one sentence here. It's running on. And so there we go. The book is coming out, and if you buy it on a pre-sale, you get $75 in free bonus items, including the e-book, the audio book, and one of John's talks. Instant access to that Smoke, Fire, and Freedom that he did at one of our SMART conferences. So jump in and get all of that before the book actually comes out next Tuesday. You don't want to miss this.

And we are seeing record numbers of these books come out. I was just in a marketing meeting this morning here, and it's the number of you that are thinking that he may have something to say intelligent about this subject is amazing, because he does. And the good news about this, it's not a psychology book that will put you to sleep. It's actually on the shelf where everyone can reach it. Yeah, that's important for me to, you know, we've got a world now where Stanford Medical School professors are able just to crank out a podcast and talk to each other some really high level stuff some amazing insights

into the human mind and i often leave some of those exchanges like thinking two things wow it's amazing and all right what i need to do right now right some and so this book is i handed to my my 13 year old and said can you read this go Go through it. And he read it. And he said, Dad, I'll give you two stars. And then he laughed. That's brutal. But it's designed for everybody to be able to access it and read it. And then to, more importantly, implement a plan on how to make your life better. Because anxiety is not the problem.

As it turns out, it's the alarm saying there's a problem. Right. And that problem might be that your body's scanned the environment recognized you're lonely or it might be that you have tied yourself to a bank and they're telling you what what to do tomorrow it might be that your marriage is falling apart it might be that you've been trying to hold up the universe all by yourself for a long long time and there's several things that will set your alarm off and we have an entire world designed around the idea that the problem's over there, the problem's over there, the problem's over there,

and I'm challenging people to go look in the mirror and say, what can I do right now in my home or with my family or with my community and start making these things better right now? Yeah. Wow. Wow. Good stuff, folks. Check it out.

Go to RamseySolutions.com and get it while it's hot. Building a non-anxious Life, $20. It's a deal on a book. Today, I was looking at some data the other day. Our publishing guys were bringing me. The average hardback book right now in America is $32. Really? Yeah.

Wow. I didn't realize it had slipped up. We haven't raised our prices enough. Well, we haven't. Our cost of goods has gone up like 40% because paper has gone way up, and we haven't raised our prices enough and well we haven't our cost of goods has gone up like 40 because paper's gone way up yeah and uh and we haven't raised our prices enough and that's why i was in that meeting they're trying to show me like you're we're being doofuses and so we're going to fix that but uh not right now right now you can get this for 20 so that's pretty cool not 32 if this was coming out of another publisher out of new york it'd be 32 right now

that's that's what the deal is. That's the average price right now of a hardback advice book. So check it out. The phone number here is 888-825-5225. Autumn is in Denver. Hi, Autumn. Welcome to the Ramsey Show. Hi, Dave and John.

How are you doing today? Better than we deserve. What's up? So my husband and I have quite the conundrum. We've been together for 15 years. We years, married for almost 13 of those. We love each other very much, and we'd love to stay married. But we feel like we've tried everything when it comes to managing our finances, and we just can't seem to agree.

The last step that we have not tried is divorcing our finances. So I'm calling to ask if we should divorce our finances. What would that get you? Well, let me give you a little bit more background. So we met at 21 and 24 respectively and had equal amounts of student loan debt. So we both had about 20,000 each. So we decided the easiest thing to do

would be combine our finances. We are young, we didn't have any assets, so it just made sense. So, however, we both come from very different financial backgrounds and I tend to be on the offense and he tends to be on the defense. And we both feel like we're pulling each other and dragging each other along on a path financially that we don't want to be on. He was pretty steeped in FIRE, the Financial Independence Retire Early Movement, and would prefer to spend less and retire very early. He's 39. I'm 36, first perspective.

He'd like to be retired tomorrow if he could. And I prefer a slower burn. I'd rather make smart decisions, found investments, and work harder and earn more to achieve our goals and lead maybe a more comfortable lifestyle. So if he retired today, what would he do with the rest of his life? Well, the things that he enjoys, he'd probably still make money, but that's always the question that I have asked him. So he's built a life he doesn't enjoy?

Not necessarily. He just doesn't like to work. So let me just cut to it. This ends in ash, Autumn, because'all aren't dealing with the core issue the core issue is you're trying to live two independent lives next to each other in the same bed and until you decide on we want our life to look like this and we're going to reverse engineer it starting today to build it together you're going going to be like Jim Halpert and Michael Scott. You're going to be co-managers of this thing.

And then eventually it falls completely apart. Well, we've made it work for the 15 years that we've been together. You absolutely have. And I had a 1994 F-150 that I duct taped and glued together and made work for a lot longer than it should have. So you're saying there's not a healthy way to divorce our finances and stay married? No. And I'm going to tell you, the further along you go trying to pretend that... What John's saying is, is when you agree on your spending and saving goals,

you've agreed on your life. On your life. And your values. and you're not in agreement on those things you don't have a husband then you have a roommate so we actually come up with a yearly budget an annual budget we do a pno if you want to do it go do it when i call mast us we're not talking about budgets we're talking about your budget reflects unified values and you don't have that you have two independent people trying to live independent lives and call it something that

it's not okay so you haven't seen i mean i know there's other people out there that have separated their finances and say it was the best thing you know because oh lord jesus they can knock your lights out you called me and asked me they can say everything that they want great great what i'm telling you is this isn't about money hear me say that it's not about your money it's not about your finances one of the key things we learned in studying 10 000 millionaires was none of them said i drug my spouse into this kicking and screaming almost all of them said I had a unified plan with my spouse that caused us to be able to achieve these goals you are dreaming this is not going to happen it's bad relationally it's bad mathematically it's bad financially you're wrong wrong. Don't do it. This is The Ramsey Show.

Dr. John Deloney, Ramsey personality, is my co-host today. John, in quotes, that's not his real name, in other words, from Louisville, Kentucky, not his real place, in quotes. Big secret call coming in. So, John, what's your question? Yes, sir. Well, about two years ago, I won one of those multi-state lottery drawings with a group of co-workers, and I haven't told anyone besides my wife and besides one sibling. No one knows. How much? my question for you um after taxes

it was about 22 million dollars holy crap holy crap is the century yeah how old are you it was a lot uh i'm i'm edging up on uh about 50 years old okay. And so you haven't told anyone and I've got some guesses, but why? Well, the first thing I did when I found out that I won was research. And it said, you know, that you get to read all those one in five people lose their lottery winnings or go bankrupt within 10 years. And one of the things they all said was you tell too many people and you get too many people at your door asking for this, that, and the other thing, asking for handouts and expecting you to pay for everything. So my wife and I made a conscious decision

just to kind of keep it under wraps. And it's kind of, we've kept keeping it under wraps. We haven't even told our two teenage children. And now I know that sounds strange, but we just don't want them to grow up to be waiters, waiting for us to die so they can get our money. That's fantastic, man. I love it.

Dad's been eating rat poison lately. I'll spend the rest of the day imagining I'm you because this sounds just like a fun thing to think about. I don't think I would tell my teenage kids either. No, I'm okay with that. No, I want them to go figure out what they want to do in life and get going on the track. Go be somebody.

And then I'll let them know. I'm not going to keep it from them forever, but our parents and stuff, we haven't told any of them. We had another incident about a month after we won the lottery incident. I don't want to call it. My wife's great uncle passed away shortly thereafter,

and he didn't have any kids, and he was never married. And he left most of his inheritance to my wife and her siblings so we've been able to use that as like our cover story for when we help people like i bought my mom a roof i know really really nice of me yeah but how you know when she says how can you afford this i just say oh it's great uncle bob's money mom he want he wanted us to do this or you know whatever bob's money's at least two x now that's great yeah oh and you can get it you can get a have you got a decent car i can do this you're gonna love me dave uh my house was paid off before i won this yeah my

wife and i really have no desire to move good uh we had just paid cash for two toyotas before we uh before we won this and we still have them we're not looking to upgrade to anything because they're perfectly fine cars. Okay. Are you still working? I'm not. Are you still working? I am still working. Do you hate it?

Isn't that ridiculous? No, it's not. No, actually, that's why I'm there because I kind of like my job. Good for you. I think you should keep working. Yeah. It's going to make you a better employee because when your boss comes in. Have you gotten some great investment advice? have yes good okay i have i have a team as you can imagine okay you need a

team you need a team yeah it's not a huge team it's just it's a group and they're they're they're doing well so doing a good job good okay i like everything you're doing um and it's not it's not anyone else's business right that. That's what I hope. And I don't think you're being like a hermit in a cave weird, Unabomber weird or something like that. I think you're just being wise because what you've discerned is that some of the people in your life could not handle the equation. Correct.

That is a very good assumption on your part yeah and and so you're doing them a favor by not putting the strain on them including teenagers so the only thing i can get close to is is that um by the time my kids were teenagers we had begun building substantial wealth we had recovered from the bankruptcy rachel was born so by the time rachel's 16 it's you know 17 years since the bankruptcy and we had you know i was a multi-millionaire again okay we could buy whatever car we wanted to buy we could go on whatever vacation we wanted to go on and it wouldn't affect us we had good money okay but the kids had no idea.

And our kids had a double problem. One is their dad's in the spotlight, and everybody knows us, right, because we're known in the community, and talks about money, no duh. And if they had that and they knew that we had millions of dollars, as a teenager, I don't think they could have processed it, so they did not know. They knew we were okay with money they knew we live the principles that we teach and we made them live the principles that we teach but they did not know x number of dollars was the net worth right i only disclosed that to them after they graduated from college and i involved their spouses because by that time, two of them were married.

And so I sat down with three of my kids and two spouses, five of them, and we started unpacking what our estate plan looks like because they're adults at that point. And I told them up front, I said, listen, here's the deal. We don't own anything at our house. We're people of faith. So God owns a bunch of stuff. He's asked us to manage more than you know, and you're getting ready to know now, and you get to decide how you're going to react to that. Are you going to react and continue to be productive and generous people, or are you

going to be, and using your words, and I'll never forget it, a waiter, right? Because if you're a waiter, you're not going to get access to any of this. We're going to take it away from you. Because God wants you to be productive. He wants you to be whole. He wants you to be excellent in the marketplace. And he doesn't want this to destroy you. He wants you to have the opportunity to serve a lot of people with this wealth, including my grandkids to come.

And so as for me and my house, we serve the Lord. And it's not our money. It's his. We're managing it for him. And someday you will take over the management, but you will not become the owner. If you think you're the owner, you won't get to take over the management. And that's how I unpacked it. And then when I unpacked it, I was really pleased that they weren't freaks, and they've continued to live really good adult lives,

and it's not ruined them that their dad and mom have a bunch of money that they manage. So all that. So I think you can start to build some lessons into your teenagers now so that in five years when you have that conversation, they're ready to shoulder the weight of it what do you think john all right yeah i think you can live by example and i think you have a pretty remarkable opportunity to take your kids out when you're having taking them out to dinner and noticing a waiter that's struggling and call the waiter over and be really kind and then show

your kids let's leave a huge tip you want to do that and it might be a hundred bucks which is nothing of of what you got in the bank but it's it's going to be a million dollars to a teenager right and you can slowly plant the seeds of this is what generosity looks like and when they it's it's kind of like those movies you get to the end and it like the sixth sense right and it goes do and you realize, oh no, I missed the whole story. And now I have the whole story. One day when you sit down and say, hey, I'm, you know, that school that I paid for, and you know, you and your wife are about to buy a house. I'm going to pay for your mortgage. And here's actually what we're sitting on. And here's, I like who, I'm honored by who you have become. They're going to go gonna go oh man i picked up all these lessons from my mom and my dad they're also going to learn that money isn't what makes it isn't your

identity your identity isn't being a great dad it's a guy who still got up and went to work it's a guy who still kept the same toyota that he'd already paid with cash before like you're doing everything so right it's so healthy it's amazing you're healthy yeah man you're good for you if you were if you were hiding this because you were freaking and you were weird, I would call you out on it. You're wise. You're wise. I think in this case you're wise. My sister called me the other day and said, what was your big splurge?

And my answer was patio furniture. I'm not a big flashy guy i i don't well i i think you need to increase gradually the enjoyment of this money not to not but not in the name of the secret not in the name of exposing the secret but you need to increase the enjoyment and you need to increase your generosity factor systematically you need to say all right this year we're going to spend four hundred thousand dollars on this or that create some neat memories with your kids. Yeah. Do some things intentionally with this without just kind of rolling up an extra million bucks

into the budget this year. You don't have to do that, although you've got it. But yeah. Wow. Congratulations, brother. It's a very good, healthy view. This is The Ramsey Show. Hey, you guys.

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slash budget. Thanks for joining us, America. We're so glad you're here. Cole and Abby are with us in the lobby of Ramsey Solutions on the debt-free stage. Hey guys, how are you? Great. Excellent. Happy to be here. Honored to have you. Where do you live? We live in Franklin, Wisconsin, which is about 15 minutes south of Milwaukee. Milwaukee, Wisconsin. I love it. Welcome to Nashville. Thank you. Good to have you guys. And how much debt have you two paid off? We paid off $195,994.09. I love it. How long did this take?

34 months. Good for you. And your range of income during that time? We started at $134,000 and ended at $173,000. Very cool. What do you all do for a living? I'm an occupational therapist. Okay.

And I'm a production manager at a CPG company. Okay. Very cool. Good for you therapist. Okay. And I'm a production manager at a CPG company. Okay. Very cool. Good for you guys. Wow. What kind of debt was the $196,000? Mostly student loans. Yeah.

We had about 10 in credit cards, about 23 in car debt, and the rest of it, almost $159,000 in student loan debt. Wow. Yeah. How ironic that this Sundayay student loan payments start back but not for you no way we know a lot of people that didn't pay any during the forbearance yeah i think i can count on one hand including us the number of people that continued to pay and hammer it out yeah we do too why did you do that because like we sitting around here obviously we're talking

shop it's like just mathematically we've been trying to get people to do what you did why did you do why did you do it all your friends didn't do it the government said we got you and you knew they didn't like why did y'all keep paying yeah we're uh in our 30s we're old enough to know uh you can't wait on the government uh but the other thing is that we wanted to set ourselves up for our future right someone bought us financial peace up for our future, right? Someone bought us Financial Peace University for our wedding and we sat down and talked about our whys. Our baby girl we have now two months, three years ago when we started, she wasn't in the picture, but we knew one day she would. And we didn't want to try to be buying a house and buying cars with cash and funding her

college while having the student loan debt hang over our head. And me, the nerd, I did the math with the interest before the forbearance. It would have have been a thousand dollars a month for 21 years for us to pay off the student loan debt and that's not something either of us wanted to sign up for wow yeah so how long y'all been married three years this past june okay so you've been doing this the whole time you've been married yeah we got married in june and then because of covid we had like our reception in september So it was in that September reception. We'd already been married for four months when we got to Financial Peace University. Okay.

So somebody gave you that as a gift for your wedding. Yep. And then you went to the class. Yeah, it was virtual during COVID, right? Yes, COVID, yeah. But yes, we did the class. And I've been listening to you for years before that. And we were Dave-ish.

And this is how dumb I was, Dave. I thought, that's a really good plan for other people, not for us. And even going into the class, we thought, well, maybe we'll do it. Maybe we won't. After the first lesson or two, we were all in. We figured if we're going to do it, we've got to do it all the way. 34 months later, we're on to three. And we're done with three.

Now we're on to 3B. So we're excited for what's next. So even taking it virtually, it sucked you into the vortex. Oh, yes. It did. I love it. Well, we're done with three now we're out of 3b so we're excited for what's next even taking it virtually it sucked you into the vortex yeah yes it did i love it well we're honored man congratulations you guys what did your friends say when you told them you're paying on your loans and they they roll their eyes at you yeah did they give it to you pretty good oh yeah um why would you do that the same thing with the credit cards um what about the miles what about the points um you can use that money for other things we just i't know, we were just together in it the whole way. And that was a surprising piece actually is how many people gave us slack for it, for having this be our plan.

Did that give you energy? Like I'll show you. Yeah. I heard so many times people say, oh, me and my wife are debt free. Well, except for our cars, you'll always have a car payment. And we looked at him and said, then you're not debt free. We've heard cars you always have a car payment and we looked at him and said then you're not that free we've heard you'll always have a student loan and i look at him and say you will always have a student loan we will not always have a student loan so it's very motivating yeah and now you get to do toby keith how you like me now that's right that's right i like it yeah you should throw a party on october 1st just a like i'll i'll get everybody dinner because i know it's gonna be a hard hard night for me that's right we got no payment so we can afford having a celebration you guys are having a funeral we're hating on you that's right i love it yeah just rub a little salt in the wound that'd be

great yeah for you guys man i'm so proud of you thank you so who was cheering you on who were your cheerleaders a lot of our family obviously my mother's side of the family was the one who gifted us fpu so they were huge in that um some of our friends actually introduced us to you as well and kind of kept along with us on the journey that's cool yeah okay um yeah that's about it our good friends uh britney and sam i want to give them a shout out because before we did this we'd always go out on the town going going out to eat, spending lots of money. We told them, hey, we're going to do this FPU thing. So we're not going out to eat anymore.

And they said, that's great. You guys just come on over here. We'll grill out. We'll do things at the house that are free. They were very, very supportive. Like that. That's a cool group of friends right there. Yes.

And actually, you have a better time doing that than you do going to a restaurant. Oh, yes. Yeah, we had more fun. Yeah, yeah. Way to go, guys. Thank you. I'm so proud of y'all. Well, well done. Well done. Now, what do you tell people the key to getting out of debt? You pay off $196,000 in 34 months. It's not a theory. You freaking did it. Everyone can do it on paper, right? It's a lot harder to do in reality. I always say the hardest part is starting the first two three months when you're learning to budget and at the end of the month you have this money

it's that's true it stinks to send it off to navient or toyota financial or whoever but for us after those first two three four months it became such a routine and such a habit it honestly went by really quick just because we were like a well-oiled machine once we got the monthly routine of budgeting and paying off it became exciting actually How much money are we going to pay off? How much are we going to be able to fill in on our debt? It turns into a game. It's a mental game. Like, where else can we cut?

Where else can we increase income? Yeah. And every month we're like, yeah, we're $150 under budget. Let's go. It's not that much, but it's so exciting. Throw it at it. Throw it at it. Y'all are almost too unified.

Did y'all ever have a fight? We don't fight about money. No. No. We were on the same page pretty much before FPU, but this really solidified not just money, but just all aspects of our marriage, I think. Yeah.

What was the hardest part? I think getting started, like Cole said. Yeah, that is hard. But I also was surprised. I think I was disappointed by people's reactions when we would tell them that we were doing this saying no telling each other no for things was hard as well but just the reactions that we would get this was such like an exciting thing for us to start on and so many people were doubtful or like that's not gonna last yeah um so that was kind of hard

to kind of hear that from people well you kind of figure out who your friends are. Yes. You know, it's like, okay, you are Eeyore. Oh, it's bad. It's so bad. You're never going to make it. You're always going to have a car. Oh, now I know who Eeyore is. I always wanted to know who he was. That's it.

So, yeah, good for you guys. Thank you. Very, very well done. Hey, we've got the Live and Give bundle for you. That's the box that has all the goodies in it for you to give away and live. Baby Steps Millionaire's book, which is your next step for sure. The Total Money Makeover book to give away. Maybe one of those doubters or maybe one that needs to get moving.

Same thing, Financial Peace University membership for you to give away. And all of that's our gift to you to say thanks for coming down. All right. Are we putting little baby in she's ko'd right now but we can no you don't have to i'll just ask that's a sacred moment let it let it ride let her if she's chill i'm good i don't care i just didn't want you to i don't want to lose you the opportunity oh here she comes we'll just leave her in her little seat here all right that's perfect yeah what's her name presley presley all right presley you have no idea that

your parents are heroes they have changed your family tree little girl yeah that's how old rachel was when i filed bankruptcy so you guys you guys are in a great place i'm so proud of y'all congratulations thank you very good all right cole and abby presley hold your little ears all right now 196 000 paid off in 34 months making 134 to 173 count it down let's hear a debt-free scream three two one we're dead free that's how that's done ah i don't even think presley woke up that's pretty good i mean i think she's used to her dad being that intense around the house so it's all right it's all good he's yelling at football too that's exactly right he's more of a spreadsheet yeller but it's cool he still loves it works it works

but i'll tell you what if the first 34 months of your marriage, you can learn to align yourselves together on goals. You set yourselves up to fight any battle to win any game that you run into after that, don't you? Well, it reminds us of that call we took earlier. This is what we were talking about. This is exactly what we were talking about. You decide where you're going. Getting there becomes just a, it's a totally different trajectory.

Yep. You're not riding side by side. You're riding in the same car, going to same place building the same life together this is the ramsey show dr john deloney ramsey personality number one best-selling author and host of the dr john deloney show is my co-host today. Travis is with us in Philadelphia. Hi, Travis. Welcome to the Ramsey Show. Hello, Dave. How are you doing? Better than I deserve. What's up?

David, I've been praying, and this is actually a blessing speaking to you. What's going on in my life right now, Dave, is that me and my wife, we're at a crossroads. We have two small children. We've been trying to do the baby steps for almost eight months now. It's not working. We're not getting past baby step one. It's always some kind of emergency things are happening and we're just not getting there. But the crossroads we're at right now is that I did get a, we have a lot of debt. We have about $40,000 in auto loans, about $10,000 in student debt, student loan debt, and $20,000 in credit cards. I have an offer to get a new job.

I make about $37,000 now. I got a job offer of about $54,000. It's not the best job in the world, just working as a correctional officer. It's something I'm not too fond of, but I'll do it for the money to get out of debt. But also, we have a lot of equity in our home. Our home is worth about, maybe about $380,000. We have about $230,000 left on the mortgage, and we can sell, and we can get that equity. Wait a minute.

You owe $230,000, and it's worth $280,000. $380, minute. You owe $230,000 and it's worth $380,000? $380,000. No, $380,000. $380,000. Oh, okay. Yeah, about $380,000. The real estate agent said we should go, the price is at like $410,000

because things are selling pretty fast in my area. So you've got $100,000, $150,000 you might have coming to you if you did that. If we did that, correct. And where would you live? I'm in Pennsylvania now. I have a job offer in November for the city of Dallas, for the police department in Dallas.

And that's where we moved to. We moved to Dallas. I have a good friend of mine that lives out there. He's been working out there for about a year now, and he's been trying to get me to come out there. And so we moved to Dallas. We have a good friend of mine that lives out there. He's been working out there for about a year now, and he's been trying to get me to come out there. And so we moved to Dallas. So you have a solid written job offer, not a vague promise from a friend. No, I have a solid written job offer in November.

I will start the academy for the police department out there. I got it. And, okay, so you are planning on moving anyway. Why would you ask me if you should sell your house? Of course you're going to sell your house. You're moving to Dallas. Right, but the reason why I say that, because, like I said, I have two small children.

I'm just at a crossroad. I don't know if that's the best. You know, I don't know how safe dallas is i don't have a friend he said it's pretty good but you know how safe dallas is compared to philadelphia well i'm not i'm not actually in philly i'm about 90 minutes away from it uh and then the polka let me say it this way my dad was a homicide detective a beat cop and then a homicide detective for almost two decades in Houston. And he raised me and my two siblings.

And I wouldn't trade my childhood for anything. Okay. Okay? If you continue to always look over the edge, what if, what if, what if, what if, in a weird way, you're going to create those scenarios in your life. Right. What would you be paid if you went to Dallas? I started salary for an offer out there, about $66,000. That's a solid offer they gave you in writing.

Correct. And then you get out of the academy, and then what does it go to? That I don't know, but I know going into the academy, about 66. Okay. Okay. So you're almost going to double your income. You're going to sell your house, move to Dallas, and be debt-free. And you've got no state income tax.

Yeah. This is kind of a no-brainer, Travis. You'll have no debt. You need to put the house on the market and go to Dallas. You rent for a year in Dallas, figure out what's the best place for schools and that's going to fit your family's lifestyle and what y'all are comfortable with

and then you're going to put an offer on a house. Yeah. You're right. It makes sense. I was just afraid of just moving to a bigger city, the crime, you know, just everything. Just would it be the best?

Hey, let me tell you something. Turn the news off. You literally have a friend on the ground who lives there and works there, and he says, I love my friend. I love you enough. You should come join me. And you're like, I don't know because I watch the news. Your friend wouldn't tell you, come down here and get your children killed.

Yeah. You're right. You're right. So move to Dallas. Dallas is not a crime-ridden city. It has crime. Every city has crime. But it's not crime-ridden.

It's not infested or something. I don't, this is an illogical, and you want to be a cop. I was going to say. I mean, this is kind of. Part of your. We hope there's a little crime. You wouldn't need a job. Part of the academy is going

to be pushing you real hard to see risk ahead and go anyway because that's what you're that's what police officers do when the rest of us are running out anyway they go in yeah and so you're gonna have to you're gonna have to wash that part out of you man because this is the job okay the last thing i want you to do though is when you clean all this up you you guys have to get on a budget and you have to quit freaking spending money you don't have to buy cars you can't afford in the future and on these stupid butt credit cards so you all have not been living on less than you make you bought cars you couldn't afford you bought other crap you couldn't afford that's how these credit cards got there so when you you clean all this up, if you make 66 and you go to spend in 75

and you go upgrade your dadgum cars and go back in debt, well, then I'm going to come kick your butt, all right? No, you're not doing that, all right? You're going to live on less than you make. You're going to clean this mess up. This is your one-time good time reset. You don't get to do these resets very often. Yes, yes. So take advantage of it dude

jump online and get every dollar the budgeting app you and your wife start budgeting get the house on the market find go to ramsey solutions and dot com and get get one of the real estate agents that are ramsey trusted and get your house on the market dad gum man it's october you got to move in a month get your butt in gear let's go let's go let's go game on game on let's house ought to be on the market this weekend you need to you need to go it's time and you're going to be one of those guys it's like well i need to clean it i need to make sure that the listen loading up the truck and heading to beverly baby let's go sell the house sell the house we're going let's go the gutters are how the gutters are sell the house that's it you know get out there and

clean it up this weekend get those kids in gear trim the bushes mulch them let's go game on game on damn i'm hearing this more and more i hear this on my show with some regularity and i think it's important to just note there's so many places to get information these days that it does overwhelm the mind well and here's the problem half of what is on the internet is not even true. 75%. It's not real. It's not true. I pulled up a website yesterday with Ken and I on there that's got Dave Ramsey's exotic car collection.

And my picture and all of the cars that I own, only I don't own any of them. They're fabulous cars. I wished I did. And I own a few nice cars. It'd be cool if he he put them on there. But, no, he's got all these wonderful vehicles on there that I don't own. That website does not exist for me, Dave. I'm just like Abraham Lincoln said, everything on the Internet is true.

I mean, come on. Oh, my gosh, people. Yeah, you just got to quit just feeding garbage into your brain. Because, you know, well, I read an article that said John Deloney or Dave Ramsey was this or that. Well, you can write an article on anything. It doesn't make it true. People just make up crap. Well, and that's why.

You know, because they're mad or their feelings are hurt. That's why it's important to have incredible, trustworthy men and women in your life that you can call and say, hey, is this a good deal? And like, man, you're going to love this job. It's going to be great for you and your family. Move on down here. Yeah. trustworthy men and women in your life that you can call and say hey is this a good deal like man you're gonna love this job it's gonna be great for you and your family move on down here yeah then that well that i don't know of a better endorsement that guy doing that for travis is a thousand out of a thousand travis reading about something on the internet right is a thousand out of a thousand the other direction you know well there's crime in dallas well no of course they're dead i mean you know it's everywhere but um at least in dallas there's no anyway yeah it's there's yeah do it

texas yeah do it make texas great again yeah let's go game on there's so many places i could go with that in a minute and a half and i'm not going to all right open phones here at triple eight eight two five five two two five i should increase the hate level around here i don't i don't do that i think we're i think we are good you think we gotta have you think the hate level is high enough i think it is as high as it needs to be okay i think we should increase the love okay let's increase the love okay well that that's harder it is harder it's harder. It is harder. It is harder. Sell your house, man. Let's go, Travis.

Travis, get that house on the market. Get moved, man. Send us a photo of you in your uniform when you get out of the academy. We'll be rooting for you. Yeah. You're on our team, man. We love you. Keep it up. Get after it.

Get after it. Get after it. That puts this hour of the Ramsey Show in the books. Hey, it's Dr. John Deloney. If you love the show and want a deeper dive on your money journey, we have a weekly newsletter that gives you trending and helpful articles and tips on following the Ramsey way. Just go to RamseySolutions.com today to sign up for our newsletter. Again, that's RamseySolutions.com to sign up for our weekly newsletter.