The Ramsey Show - App - If You Owe Money, You Should Pay It (Hour 2)

Episode Date: April 3, 2024

Live from the headquarters of Ramsey Solutions, it's The Ramsey Show, where we help people build wealth, do work that they love, and create actual amazing relationships. Dr. John Deloney, Ramsey personality, Ph.D. in counseling, best-selling author, host of the Best Listen to Ramsey Network show. I can't even get it out. It's so great. It's just amazing, the Dr. John Deloney show.

The numbers are ridiculously up on that show. Hockey's sticking up and to the right. So thank you guys for listening to his show and this one. We appreciate you joining us. Open phones here at 888-825-5225 demari starts off this hour in miami hey demari how are you hi dave good and you good better not deserve what's up so i've been watching since 2019 and you've helped me get out of debt many times but i've helped me get out of debt many times. I've helped you get out of debt many times? Many times.

Yeah, I had issues with credit cards, but I've paid them off for the most part. But the issue I have is that I got home two weeks ago from work and there was a pack in front of my door. And I'm being sued by Calvary for an old credit card I had back in 2020 from Citibank. Um, but it doesn't say I'm being sued. It says I have to be in person for a pretrial conference by a judge. So my question is, should I go? What are the steps? Like what's the process go um how much do you owe them um that card was for seven thousand six hundred eighty eight dollars okay and why has it not been paid this was during covid so my husband had lost his job because they couldn't afford him because that was four years ago why has it not been paid um i had let it go into collection back in 2020 so i just haven't paid it then so what do you all make what's your household income right now i get paid 43k and he gets paid 39k

okay so you make 80 000 a year and you figured out that not paying something and ignoring it doesn't work because it has a high rate of resurrection, right? Yeah. Yeah, it comes back. The zombies are here. Yep, it does. Okay. How many others are like that?

This is the only one in collection because this was the only one I could pay back in 2020. How many other debts have you forgotten and have not dealt with for years? There was another one from a Walmart credit card

that a portfolio bought, but they haven't sent me anything. Okay. How much is it? About $5,400 on there. Mm-hmm. And I'm assuming you have no money. I mean, I have money saved.

How much? $1,000. Okay. That's all. You keep saying I. Is your husband around? Does he have any money? Y'all stuff separated?

No. We save money together. Okay we have together all you could scrape together is a thousand dollars right now yeah okay all right i am not i'm not an expert on florida law a pre-trial conference on a seven thousand dollar credit card is highly unusual i've been doing this 30 years and and I've never heard of that. So this is a new tactic of some kind that the collections attorney is using. What is the date on the pretrial conference? June 10th at 1 p.m.

Okay. All right. If that occurred with me, what I would do is call the attorney that is suing you and start negotiating a payment plan or a settlement. Okay. Do you have anything that you could sell? Because if you come up with about $3,000 and offer it to them as settlement in full, they'll take it because they figure you're a deadbeat because you hadn't bothered to pay in five years.

Yeah. I mean, I don't have anything to sell and i have my how fast can you scratch up three thousand dollars like real fast like don't do anything go crazy go work six jobs for the next two weeks both of you go nuts and get some money really really fast to get this off your back before June 10th gets here. I mean, we could do DoorDash on the side. There you go. In the morning, and then you work all day, and then you do it until your eyes are drooping in the evening.

You go to bed for a few hours, you do it again. Yeah, he's not kidding. Yeah. Because otherwise, you're about to get your back. Listen, here's what happens. In general, when you go to court on a situation like this, here's what happens. A hundred percent of the time you lose. Yeah.

You don't really have an argument here. You signed a contract that says I am going to pay $7,600. You violated the contract. You're in default. Done. Guilty. Yeah. Okay.

And so there's no argument. It's just like, I don't have any money. I don't have any money. It's not an argument. And if they add attorney's fees on top of this or some kind of court fees you're going to end up blocking out oh and more than that potential yeah and so but and so they're you're going to lose whether you go to pre-trial whether you don't whether you settle or whether you don't so you might as well work your butt off right now and get this done before and let this be the

catalyst june 10th you know i got to get this solved before june 10th and so call the attorney and say if i give you three thousand dollars before june 10th can we call this settled in full and he's going to say oh no and you say oh yes he's going to say oh no and you say oh yes and you argue about it until you settle on a number right yeah and then you go get that number before june 10th as settled in full and get a written release in writing from him or her to call this case closed. And if I never get that letter before June 10th, do I still show up or do I not go? You get the letter and you give the guy the money. You settle this. You take care of this.

It's time for you to proactively take care of something instead of letting everything happen to you by trying to ignore it. Okay. And so, you know, if you want to go to a pretrial conference, you can go. But all the judge is going to do is go, boom, you're done. It's going to take about 30 seconds before you're done. Because, you know, there's no – they didn't do anything wrong. You're the only one that did something wrong. You just didn't pay the bill.

And so they're going to get you. It's that simple. And then they're going to take a judgment lien for whatever the amount of money is. And then if Florida allows it, and I guess Florida does, they're going to garnish your wages. And then they're going to attach – put liens on your house and whatever else. So you better go get some dadgum money together and do a lump sum settlement. Boom, $3,000, $4,000, $2,500, somewhere in there, and settle this five-year-old $7,600 debt.

And settled in full in writing before June 10th. And just become a nuisance to this attorney until they do the deal with you. And then become a nuisance to yourself until you scratch do the deal with you and then become a nuisance to yourself until you scratch together the money and get this done so john in 30 years of doing this one of the things i see most often is if you take care of something when it's a problem instead of ignoring it for five years or 10 years or 20 months or whatever it is, the level of problem, she could have cleared this up five years ago by busting her butt in the middle of the Fauci pandemic. There was stuff people were doing in Florida. Florida was open.

There's a lot of stuff you could have done taking care of it then. But now, five years later, we're still talking about this. Well, my husband lost his job. Well, it's freaking five years ago. If you take care of it back then, you got one-tenth the problem. You magnify your problem by ignoring it 10x minimum. Whatever the problem is, an old landlord dispute, whatever it is, you cannot ignore this crap. You got to take it to ground.

This is The Ramsey Show. Dr. John Deloney, Ramsey personality, is my co-host today. This is a show about you, America. The phone number is 888-825-5225. Well, it's tax time, so folks got questions about taxes. The only question I can't help you with is how to deal with your rage because i haven't been able to figure out a way to deal with mine so my poor tax guy he has to bring me bad news every year the bad news is is that i pay our ridiculous government a ridiculous amount of money and what do I get for it? Anger. Now you get ridiculousness.

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Katie's in Springfield, Michigan. Hi, Katie. How are you? Good. Good. How can we help? So my husband and I have been kind of stuck on baby step three for a very long time now. He only makes like 40, well, he just got a raise, so now he's making 45,000, but we have a child, well, we have six kids, but one with severe special needs, severe autism. And we are just busy with him all the time. And I used to do daycare in the house to help out and things like that,

and I can't do that now. I can't go get a job. My husband wants to be home more to help me with the kids since it is a high-stress situation. So we just were having a hard time ever making enough to get anywhere and right now we're on medicaid and food stamps and as soon as we make a little bit more then we lose those and then we you know we're kind of just stuck the same spot all the time okay what do you think the solution is i i mean i feel like we have to find a way for him to get a higher-paying job,

but in our area, he's been stuck trying to find something, and mostly everything is requiring him to travel or just working a second job, which then leaves me with no help with our six kids. But I just, I don't know. Like he feels like we just keep going on welfare for the next couple of years until we get, you know, I hadn't been homeschooling, but because of the special needs and trying to work with him, most of my kids are in public school right now, except for him and the baby and my teenager who homeschools.

But the others are all in school. So he's like, well, if we can just wait long enough for the baby to get in school, then maybe you can get a job working at the school or something. But I'm like, do we really want to be on welfare for three years? So what does he do for a living? So he is like a service technician. He works on like coffee makers and things, travels around and fixes them and installs them. Okay.

And how old is he? 48. Okay. All right. Well, you guys have a lot going on. I'm sorry. Man, I mean, you're a warrior girl. I'm proud of you.

You're carrying a tremendous burden. So the answer, you're right. The answer to the equation is income. And how do we get income up? Well, we have to have some aspirations to do something other than welfare. And so we have to say, okay, what do I want to be doing 10 years from today that makes $100,000 a year? The average household income in America is $43,000. I'm sorry, you make $43,000.

It's $73,000. Okay? thousand okay so by definition not by shame but by definition you are in a lower income household with six kids that's that's like a factual statement not an emotional statement okay and so how do we fix that well obviously we change the income because we're not going to change the number of kids. Right? Yeah. So, you know, this amounts to career counseling for him that says, okay, what is it you can do? What classes do you need to take?

What tools do you need to put in your belt so that you are worth $100,000 a year 10 years from now? And the path between 43 and 100 is not a singular jump. It's a progressive jump, and so the income will be going up consistently every year, year over year, as he moves through the apprenticeship or as he moves through the training or he finishes that two-year degree at the community college or whatever it is. But he's going to have to figure out what he wants to be and what it takes to be one of those and then get about the business of doing that

sitting there doing nothing fixing coffee makers is killing your family yeah it's hard the stress is in your voice and i don't blame you and he's not doing anything wrong he's not a bad guy he just doesn't know bad guy. He just doesn't know what to do. So I'm telling him what to do. What he needs to do is he needs to set a very clearly defined goal to do something that he actually does enjoy and has the capability to do with maybe some training or maybe some classes or a certification.

I don't care what it is, but you can go to six months of code school while working full time Maybe some classes or a certification. I don't care what it is. But you can go to six months of code school while working full time and make $100,000 a year. Okay. Writing code. Writing code. It looks like being an electrician, but it was a lot of internship type stuff and not making much the whole time. Well, guess what? Well, do I take less for a while and make more

later or maybe or maybe i'm you know maybe we do something but what we have to do is lay that down and it's not just i want more money it's i want more money doing something i'm going to have some level of joy doing yeah okay and so i don't want you to just sign up for something you hate for the next 10 years to make more money that's not the the issue. But the end of the equation is, yeah, there's going to be more money at the end of that rainbow. And so we need to really clearly define and set some goals because the problem is not that things are hard. The problem is that things are hard and we don't see how they're going to get better. Yeah. That's what makes it triple hard.

And so I can go through hard if i see my way to better and you can too this is a strange glitch in the matrix dave i if a friend of mine called me and said he's in the same situation the first thing i would i'd probably get pretty loud and say dude i don't give a crap what you're doing you got to go to work maybe i'm being i'm too harsh but man i'm trying to put myself in this situation and listening to katie's voice i hear a mom who's drowning and a husband who's like we're good and maybe i'm too i'm getting callous in my old age but man he doesn't see a path okay And that's what he needs a path, and Katie needs a path. And that's, you know, I agree.

And then if he won't get up, I'm going to put my foot on his butt. Yeah. I'm with you on that. So, yeah. So, Katie, I'm going to send you Ken Coleman's career assessment for your husband to take, and I'm going to send you his book, From Paycheck to Purpose. I want him to read that book in the next three days, and I want him to take that assessment tonight when he gets home, because we're going to send it to you by email

right now. It's a link, and he's going to start discovering what he's going to be when he grows up. Dr. John Deloney, Ramsey Personality, is our co-host today. Today's question comes from Patrick in Minnesota. Patrick writes, my wife and I are in our early 60s. We have no debt and a net worth of $2 million. Both of us are retiring in the next nine months and our biggest issue is the expectation of our children and their families for support. We've been taking them on annual vacations for a long time. We give them money when on annual vacations for a long time. We give them money when needed, basically supporting their family at our expense.

We've been blessed due to hard work, planning for the future, and making sacrifices along the way. Is it okay to cut the cord so we can enjoy our retirement and not have to worry about their lack of budgeting? No, Patrick, I'm sorry. You got to keep paying for everything for them forever. I couldn't even say it with face i tried yes patrick you should have cut it a long time ago a long long time ago yes it's time it's time have a big family meeting don't just uh ghost your kids

um have a big family meeting and say mom and and I are no longer paying your bills. We're retiring. We're on a limited. Now we're on a fixed income, and it's time for y'all to grow up. Yeah. Sorry. I bet as he typed this. Sorry, not sorry.

He got upset. You know what? But he's not the problem. No. She is. He's trying to get us to give him permission to tell his wife that she has to quit being an enabler. Well, you don't bet. I wouldn't take that bet.

I don't take that bet. Because this guy, the way he wordeded this he's so pissed he can't breathe so um you can feel it through the tip is it okay if i cut them off it's like so we can enjoy our life and not worry about my life again they're but the kids on a budget yeah it's like yeah you've been wanting to do this a long time patrick it's overdue and so yeah you have to tell your wife and your kids that we're not sending them any more money and here's a way to do this patrick no she can't sneak into it either right here's a way i think you can do this um i had

someone that that i care about call me a few years ago and say hey i'm retiring and i paused and said can you afford to do that and that question had never entered that person's mind it was like michael scott declaring bankruptcy like i declare bankruptcy that's like that's not how that works and so maybe sitting down and saying hey we're gonna retire in nine months let's let's see what this is what our life's gonna look like how much money we're gonna have for things And maybe the math will help your argument. Probably not. But maybe it will help you create a world where this is what our world is going to look like.

This is what we're going to have and not have. This is the discussion with your wife, sir. Exactly. Not with your kids. With your kids, the answer is just no. Yeah. Just go ahead and send out like, hey, we're retiring. And that means so is our sending you money.

It's retiring too. Not happening anymore. Done. And love you. Want to sending you money. It's retiring to not happen anymore. Done and love you. Want to see you all the time. Come over. If you're really, really hungry call, we'll make dinner. But short of that, that's it. I mean, you be on your own.

Well, your grandchildren, my grandchildren are gonna be fine. And you're gonna be fine, too. People have done this for generations, like stood on their own two feet and stuff. now you guys get the opportunity to do it it's a pretty cool thing so yeah it's a good job dave i didn't even see that through the through the lines but i think you're right yeah i mean he's thoroughly done yeah amanda's in milwaukee hey amanda how are you i am okay how are you? I am okay. How are you doing? Better than we deserve. What's up? Thanks for taking my call. So my husband and I are looking at many potential house repairs

that if they go, it's going to be a problem. We have a furnace that's 20 years old that may seize up because it's slowly leaking oil. We have a water heater that's leaking that might go. We have a chimney that's potentially leaking into our roof. And we have a sewer lateral that is made out of clay and it's, it's leaking and causing backups. We also have $55,000 in debt and we want to focus on the debt,

but we're staring down all these potential repairs and a potential surgery for me down the road, and we're not sure how to approach it all. What's your household income? About $86,000. And what's the $55,000 in debt? What kind of debt is it? $35,000 in student loans, $5,000 in medical bills, and then $14,000 in a loan that we took out to repair windows because that was leaking into the wall and causing mold. Boy, your house is a piece of crap. It was built in 1912.

You watched too much HGTV, didn't you? They don't build them like they used to thank god gonna be so fun we can fix it up it's gonna be amazing yeah yeah boilers that leak and water heaters that pets heads are falling off hey listen when i was um don't you sell it yeah well that's what my husband and I talked about. And we were thinking we could sell it and then use that money to pay off debt. We were wondering what your opinion is on... Well, in order to sell it and actually get money for it, we have to fix all this stuff.

No. And so we were wondering what... No, you don't. You don't? No. You just sell it. You have to disclose the stuff. They're going to find that.

I mean, a home inspector is going to find these issues, and you disclose them if you have known issues as a seller anyway, and so it may lower the value, but it doesn't keep you from selling it. Right, right. The things are all still functioning. They're just on their last leg. Right. Yeah.

We were thinking, though though to increase the value in order to fix it is a cash out people don't do no don't do a cash out don't no no no no no no no no no no no no no because then you're putting what's the last two legs of your house just put a sign yard and sell it and move okay i think your life would be better. And we were thinking we could rent until we pay off the debt, but rent is way more expensive than our mortgage. Our mortgage is like $780 a month. Your mortgage is $780 a month plus $100,000 in repairs. Yeah.

Renting is not $100,000. Right. That you don't have. And Amanda, can I ask you a personal question? Guess what? If the water heater leaks when you're renting, you call the landlord and he fixes it. It's the coolest thing. Amanda, are you struggling with anxiety?

Yes. Yes. Here's how I know. And so is my husband. Yes, I can tell. And I know that because i've been you and when you get anxious you start forecasting all of the potential calamities coming your way and they feel as though they're happening right now well that's the other thing my question my husband was do we need to fix this? Because these are all potential things.

We're getting people to look at them and tell us. You don't need to fix them today if you stay, but I wouldn't stay. Okay. I think the quality of your life is going to go up considerably when you move. And I think there's something else going on underneath this. Is your marriage okay? Yes, it is. Okay.

We have a lot of outside family stressors in my family. Can almost guarantee it. And you start grasping for every shred of control you have in your life. And when you're anxious, it spins out and you can't grasp any of it. It all feels like it's piling on you at the same time. And listen to me and dave it's not you can stop this particular top from spinning by putting a sign in the yard tomorrow or you can look at each other and make a checklist and say all right nothing's broken yet and we'll have to deal with this someday we love this house we love this location

we're going to knock this dead out yeah but i But I really didn't hear that. I didn't hear we love this house. It's not our forever home. We hope to grow our family in the room. Your forever home's heaven. There's not a forever home. Yeah. So nobody has a forever home. This idea that you're going to live in a house forever is just dumb.

Nobody does. Everybody moves. I mean, really. The number of people that live in a house 60 or 70 years is almost zero. The average house flips every 5.6 years in america so yeah hang on the line i'm gonna send you a copy of building an unanxious life as my gift i want y'all to read it together yeah y'all go through it together i think there's bigger things going on that's that's y'all are focusing on this one thing and it's all coming down it's not it's not it's a problem to be fixed but it's's all coming down. It's not. It's not. It's a problem to be fixed, but it's not all coming down. I would leave. That's what I would do.

Jump online at RamseySolutions.com. Get one of our real estate endorsed local providers that are Ramsey trusted. Get the thing listed by the weekend. That's what I would do. Dr. John Deloney, Ramsey Personality, is my co-host today. Open phones at 888-825-5225.

Building a non-anxious life. The book is the number one bestseller that he just gave away. And, John, in that, one of the things you talk about, what, four or five things that we have to do, right? Six. Six daily choices, yeah. Thank you. But I could hear that in that last caller's voice is every time you provide a solution, it doesn't solve the problem.

It actually opens up a portal to a whole bunch of other problems. And when you try to solve anxiety that way or just a whole bunch of problems or even just a lot of stress you end up playing whack-a-mole and you just hit a problem and two more shoot up and you hit another one and three more shoot up and so really the book is about go all quit playing that quit playing whack-a-mole put the little hammer down and go back over there and solve these other bigger issues and she alluded to it in the call just asking hey is everything else okay no it's not like there's a lot of stuff

falling apart and the beautiful thing about our bodies is man it'll try to get our attention and let us know things aren't okay and if you don't if you don't listen to those alarms man they'll start ringing real loud and you'll think everything's falling apart on you when it's really not yeah so within the six daily choices i mean let's talk about a couple of those like the first one is choose reality right you got to know you got to the starting line of the marathon you're about to run and in her case choosing reality this house is not falling apart this house is old it's got some challenges um what is true is y'all owe fifty thousand dollars let's get that knocked out because

that's keeping you awake at night um the second one, like another one, is choose freedom. They don't get to make choices that they want to make because they owe $50,000, right? So the quicker we can unhook from other people telling us how we're going to live our lives and what we're going to do, then your body goes, Unhook from the bankers. Yeah.

And if your family's falling apart, your family's a place that causes you a lot of pain and stress, then get a group of people in your life. a good church get some some ride or dies and your body sets some boundaries with the crazy that's right that's right yeah so it's it's it's dealing with these things way up river so that your body doesn't have to spend its time trying to get your attention all the time yeah and there's uh something else that shows up to, and it's, I kinda, I kinda hit it pretty hard there,

but it's the, um, everything feels like it's forever. This is not our forever home, but it feels like it's forever. And so it's just a stupid house. There's a stupid house on every corner. Get you another stupid house and rent somebody else's stupid house until you can get a better deal on a stupid house it's a stupid house they're everywhere and if you if you think about it that way it just it takes all the air out of it yeah it's

like a release valve versus you know it's a forever home it's like it's like a single i mean in a singles ministry we used to hear this all the time it's like i haven't found the there's one person on the planet that God has for me. Right. And I'm waiting on that one person. And it may take me a while because there's several billion out there to find them in that haystack. Well, think of the pressure.

There's one person. The pressure that puts on the person you go on a date with. Think about the pressure it puts on a house when you call it your forever house. Or your forever car. Your forever house. My dream, whatever. It's not your forever house. There's not such thing there's not i mean really you're gonna move most people are uh and sometimes for reasons you don't want to but um you know we've moved about

every 10 years and we built a big old hairy stinking house up on top of a hill that we thought was gonna be the last one and not our forever house but we're getting all we thought we're gone and you know we were lived there 13 years it's a beautiful home it was a magnificent home it's a show place and uh we thought well that's it you know we've arrived that's it we're on top of the hill we did it and we're done and then these people started moving to nashville and they started paying ridiculous numbers, and I sold it to one of them. And then I was homeless. Now you're a suburban guy.

Now I live in the dead gum burbs again. Now you're the guy walking on the street with a little dog. I am. Yeah, I know. You're that guy shuffling a little bit. I'm the old man with a little dog in the morning on a walk. That's me. Exactly.

That's me. Me and the little dog both need our walk, so shut up. If I saw you, I would say, are you okay, sir? You're that guy now. Oh, my God. And I would say, get off my lawn. Here we go. I'm going to pop your ball, kid.

Michaela is with us in Sacramento. Hey, Michaela, what's up? Hey, well, speaking of moving. All right. You're right in sacramento hey michaela what's up hey well speaking of moving all right you're right you're right in the groove here michaela i am i am so we're moving from sacra from california to hawaii wow um i know in probably gonna look like july ish that's what we're shooting for did you and your family sit down and say hey we don't spend enough money on taxes and food and housing let's up it well so the reason is my my husband's um father is is has pretty bad alzheimer's and we don't have much longer with him so we want to know now i feel terrible for making a joke good

for you michaela good for you see she's harley and you're sarcastic i'm a terrible person you're a good person michaela all right so you're going to do good in the world. I'll be quiet. So basically my question is, we're sort of at the end of baby step two. We've got about $12,000 in a personal loan that should be paid off in the next couple months. I'm thinking probably, yeah, a couple months.

It shouldn't take us very long. And when we move, we're going to be selling, we have a duplex here in Sacramento and a house that we live in. And we're going to be selling both of these properties to go over there because I don't want that debt hanging over our heads. But that basically means that we're going to be completely debt free by July, basically when everything sells. And we're going to have about $350 in our pocket, or $350,000 in our pocket of just cash. Okay. So the question is, do I take that and,

obviously, I'm going to squall some away for an emergency fund because at that point we'll be done with Baby Step 2. Good. And then do we stick the rest of it, the bulk of it, into, like, another house out there because we're going to be there for a while. Or do we sink that into retirement? Do we split it?

I'm just not quite sure what to do with that bigger lump sum, if that makes sense. How long do you think you're going to be in Hawaii? Well, we've been debating going over there for quite some time before the situation got bad with my husband's dad. Because the area that we're going to is the Big Island kilo side and we really want land we wanted to kind of more home how long you think you're going to be in hawaii at this point it would i would like to have stay there for quite some time i mean i would like to be there how long do you think you're going to be in hawaii 10 years Okay, thank you. Then buy a house. Okay.

Okay. Yeah, for sure. Yeah. Okay. And put it all on the house and get the house paid off as fast as you can because you might end up spending the rest

of your life there. It could be your forever home. Yeah, right? I'm kidding. But no, you really, I would just invest there and get rid of the debt as fast as i can i would do all these things yeah yeah because i'm thinking like the max mortgage i'd want to pull out on anything would be about 150 i don't really want to go more than that um

you know so we could be we would be able to pay that off relatively quickly hopefully i don't really know exactly what you can buy a house yeah making with it. You can buy a house for half a million dollars on the big island? Yeah, so the Hilo side is kind of like the new frontier. It's like dirt roads everywhere and jungle. Yeah, I've been there. It's not hard. But I had no idea that you could get anything in Hawaii for half a million dollars. Oh, yeah, yeah, yeah.

We're looking at $500,000. $550,000 is kind of our max, absolute max. Oh, very cool. And your income is what? Your household income? Right now, it's about $150,000. Okay, good. Yeah, so pay off the mortgage in like three years.

That'd be awesome, yeah? Yeah, I just don't know if it's going to stay that when we move there, because my husband's going to be transferring with his company, but I don't know what his pay is going to exactly be. You should find that out yeah well it's hard because he can't apply for a position until we're closer to time so we won't know until we're like a month or two yeah but he should know what the position is going to pay whether he applies for it or not well the thing is is that well yeah it's can you call somebody over there yeah he's talked to the manager but the manager's like well it's hard for me to pin you on a certain job because you're not here and i can need to

fill things now so that's why he was like getting we'll have something for you i'm sure it's just because he's like been with the company for a long time and you know like he's a licensed electrician here we're not sure we're not really sure how that's going to transfer to hawaii every state's different you need to know all of that that keeps you from stepping in a hole you need to get all that stuff let's button this plan up tighten up your plan gotta have a job this is how you this is how people call me back i'm only moved and then six months later it can't work and it's got the license didn't oh god don't do that get it all straightened out before you go kiddo line it up and push the dominoes this is the ramsey show Thank you.