The Ramsey Show - App - I’m Dealing With Financial Abuse in My Marriage (Hour 3)

Episode Date: January 24, 2022

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I'm 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. Dr. John Deloney, Ramsey Personality bestselling author, is my co-host today. We're taking your calls. They're free, and some say the advice is worth exactly what you pay for it. Phone number is 888-825-5225. We'll be talking about your relationships, your mental health, things in your family, your money, your work, your career. We talk about your life right here on The Ramsey Show.

888-825-5225. Heidi is with us in Atlanta. Hey, Heidi, welcome to The Ramsey Show. Thank you for having me and talking to me today. How are you? Sure. What's up? I'm in a little bit of a predicament.

I'm coming to the realization that I'm having to possibly make some decisions that are not only financial. I'm having trouble understanding you. Can you speak directly into your phone, please? It sounds muffled. Can you speak directly into your phone, please? It sounds muffled. Can you hear me now? Yes, ma'am. A little better.

Go ahead and try again. Talk bold. Talk bold. It's just you and me and Dave and like 10 million other people. It's good. Yeah, exactly. I can't speak too loudly because my husband's downstairs, and I don't want to be interrupted by him.

So I'm in a situation where my husband's not wanting to work on our finances together. This last two and a half years, he has not been contributing towards our joint account at all. Money is completely separated. And recently he informed me that if I want my financial situation to change, I have to do something about it. Because as I suggested to him, I've been listening to you for the last month or so here and talking about how if we're going to get out of debt, we need to work on it together. I've sent him different shows that you've released, and in order for him to listen to it, he's just not on board with it. Why? I'm sorry?

Why does he not want to combine your finances? He says that he's got a plan in place that works for him. And it does not include you. Yeah. So how long has he been having an affair? Yeah. Our finances basically have been always separated. That wasn't what I asked.

I don't know of any particular situation where he is having an affair. Are you safe? Yeah, in my home, I'm okay. I just can't speak loudly. Okay. You can't what? Can't speak loudly. So you just called two guys listening to how you are having to speak in your own home out of fear of a man who calls himself your husband.

And I need you to hear from me, who's also a husband, sitting next to another guy who's a husband, that safety can come in the form of physical safety, and it can also come in the form of psychological safety where you don't feel welcome in your own house. And Dave's question about, is he having an affair? I need you to hear the behavior. Hear what your husband's trying to tell you through his behavior.

That is, you are not a priority. His priorities are somewhere else. And he is disinterested in a relationship with you. Correct. Right? And that's heartbreaking, and I'm saying it real direct, and I know that's hard. But you are not safe at all. You know that, right?

I'm not telling you a thing you don't know. You know that, right? Yes, I know that. And this is part of the last four months has been very revealing. There you go. And so Dave's question about an affair, that would be my first question too. Something has changed in this marriage. It was already separate, and we already would have poked at you for having different accounts. Something else has changed.

Either he's about to leave or he already has left or something has shifted. Or he's about to leave, or he already has left, or something has shifted, or he's in trouble, he's got an addiction issue, something else has shifted. He's in love with something else. Right. The phone, politics. There's a lot of different things that are distracting him but we are all in the same house together we ever since covid including the kids how many children do you have two girls and what is your income well right now it's not where it could be. It's about $40,000. What could it be? If I went back to my former career that I left to try to do this RV life with him,

I could be making upwards of $90,000 on my own. Maybe what? She could be making upwards of 90 on her own. Oh, 90. I didn't hear the 90. Okay, I'm sorry. And how old are your children? 13 and 9. Okay. Can I ask you

a real hard question? Yes. Is this the picture of love that you want to communicate to them? No, it's not. And that's, I mean, I've been, you know, wrestling with this, like I said, for the last four months. And after speaking to some of my friends and coming to the realization that, you know, not only is it financial abuse, it's my mental health, it's my children's mental health.

Yep, there you go. It's all of it. This is not the person my parents raised. My dad, I was completely, I bought this house on my own, single. I was completely debt-free when I got married, and that has changed. Okay, good. And I want to get back to who I was before. Yeah.

So here's what you're going to have to do. Your friends aren't who walk through you with this except as friends, but you need to get a good counselor. So you need to go see a marriage counselor starting today that is a strong person that will try to help you save your marriage if it's salvageable, that will give you some verbiage and some positions to remind you you're not crazy because you've got two guys who are saying you're not crazy. Okay?

And we both know this stuff. Okay? So you need to get a counselor that can guide you through this. You don't want to do this off of a radio call, and you don't want to do this off of your friend's opinion over a glass of wine. You need to get a counselor in your corner that can give you some ways to explain to your husband that what will amount to ultimately an ultimatum. A boundary.

A boundary that says you are going to re-engage or you're going to disengage. We're not going to play here in the middle, and I'm not going to be abused at this level anymore. And you've got to have someone help you set that boundary, not two guys on the radio. But you're not crazy and you need to do this and you need to do this right now. Most people know me as the guy who did stupid with a lot of zeros on the end. I made my first million dollars in my 20s the wrong way and then went bankrupt. That's when I set out to learn God's ways of managing money and developed the Ramsey Baby Steps. By following these steps, I became a millionaire again, and this time the right way.

After three decades of guiding millions of others through the plan, the evidence is undeniable. If you follow the Baby Step steps, you will become a millionaire and get to live and give like no one else. My new book, Baby Steps Millionaires, is now available for purchase. When you order my new book, you'll learn how ordinary people built extraordinary wealth and how you can do it too. I'll walk you through how to invest build wealth and bust through the barriers preventing you from becoming a millionaire baby step your way to becoming a millionaire get your copy How many of you are stressed out about your retirement savings these days? Well, should you be concerned? Are you worried about the stock market dropping?

You need someone in your corner to help you with this stuff? Well, I think you do. I have people in my corner. We recommend a SmartVestor Pro. If you're a smart investor, you have a SmartVestor Pro in your corner. These are investing professionals that don't work for me, but they have been vetted by our team very carefully. They will have the heart of a teacher,

and they will recommend information and investments just like you would hear me do here on the air and like I do personally as well. To learn more about that, go to Ramsey.com smart vestor remember when the stock market goes down if it's going to come back up someday then it's on sale always remember that that's just an easy way to keep in mind should i cash out should i freak out john we got to go back to that last caller for a second uh because there's a whole lot of that in america today yeah okay there's a lot of different ways that husbands and wives interact over money there's a situation where they work together and everything's combined and they make decisions together and when they

make decisions on their spending and their investing they realize that they are truly adding a level of unity a level of oneness to their relationship a level of communication their relationship and that's plan a and it has the highest probability of increasing the quality of your marriage and in the highest probability of you becoming wealthy plan a does plan b is to healthy mentally mature emotionally mature people who operate financially like roommates, but both of them have a vote, and there is a mutual respect, and there's communication between them, but they run separate accounts. That's a plan B. That lowers the probability of wealth building and the quality of the marriage substantially,

but it still functions. Plan C that's even worse is mom or dad, husband or wife, one of the two, is in charge, and the other one is doled out money as an allowance. Well, I've got to check with mom. I'll see if I gain money, meaning the wife is in charge of the money, or I've got to ask my husband because he handles all the money, or I don't know what we've got. And they die, the one that handles the money dies, and the other one's just left clueless and with no skills

because they don't have decades of handling anything. They basically are a glorified child being taken care of by an unglorified parent in that setting, and that is damaging to the relationship and is really damaging to the money, really damaging the money. Plan F, where you fail the test, is one toxic member of the team is in control of the money and the other person. That's abuse.

With toxic financial abuse. Right. money and the other person it's finance that's abuse with toxic financial abuse right the extreme of that is there's a high correlation in the data and in the actual practice and i've seen it on the financial side i've talked with other coaches you and i have talked about this uh you probably can cite a study i've just talked to other people that have seen it in practice that if a husband has extreme control over the finances to the point that the wife is not allowed to make any, can't go to the grocery store by herself, can't pay any electric bill, she's given $2 at a time, not $2,000 at a time, extreme control, probably 90 to 95 percent of the time he's hitting her domestic violence tied to that if there's that level of control you can just about count on it that last one gets really close to that that's why my first question was are you safe right because you could feel it she wanted to say safe was emotional abuse but she's upstairs and can't speak loudly because he's downstairs that's right which makes me wonder about that whole thing and how many calls have we taken you and i've taken

that have a couple on they disagree they're either laughing about it or they're in jest but serious that's the first one of these where somebody's hiding upstairs saying uh help it's not yeah it's not the first one sadly but it won't it won't be the last one but the point of us bringing this up is um i mean to outline what a plan is b plan is c plan is and f plan is um here's the thing every one of those regardless of who you are and which player you are in that role is a choice to go forward that way right and i would encourage every one of you to choose to move towards the a plan yeah um or if you are unsafe to choose to get out yeah uh whether you're unsafe emotionally or you're unsafe physically i don't i don't tell people to file divorce and i'll tell people file bankruptcy but there are situations where you're unsafe you need to get

out of there and if you find yourself she mentioned something at the end of that call that just buried itself in my heart a little bit. She said, this isn't who I am. I've looked up. I bought this house. I bought it on my own. I had a great career. I was debt free. And now I'm somebody else.

That's common language of somebody who's in an abusive relationship. I have become somebody else in order to keep myself safe, keep my kids safe, keep this guy from hitting me. Keep his rage down. That's right. That's right. And when you look in the mirror and say, who are you? Who have you become? Because there's a rage person in your life. That is signal number one.

Call somebody and get some help right away. Yep. Yeah. Absolutely. Absolutely. The wrathful man, Proverbs talks about, is a dangerous character. Golly, man. He's a dangerous character.

And the sad thing is that he probably has very low coping skills himself, and that's what drives him to rage. That's right, yeah. And I'd love for him to get some help as well and she mentioned something the number of calls i'm taking dave on my show the number the data is bearing it out the folks over the last 24 months who have gotten psychotic about their cell phones and new data and new information and news it's destroying people put your phones down and say i got a problem and go re-engage or call you get a human being get a counselor yes you do not need your put your turn your stupid screen off and get around human beings i mean it's uh screen time

uh people have gone down the conspiracy theory or alternate theory or whatever you want to call it, rabbit hole, and they live there. They've moved in. Yeah, and so I've had to put up a boundary in my life. I've got a certain number of acquaintances slash friends that I'm like, not here. Yeah. I'm not talking about COVID anymore. I'm tired of it.

There you go. It's no longer fun. I don't want to talk about it anymore because you're all stupid. All of you are stupid. I'm just not talking about it anymore. And if I die from it, y'all can make fun of me then. It's fine. But it's all good.

And you can be mad at Dave Ramsey, and you're already mad at him, so screw it. Whatever. It's okay. But, I mean, this whole thing, you've got to – this rage that has welled up inside of the – started with the quarantine and has driven people – the fear off of that. It's an existential crisis of another kind. It is.

And we are feeling a mass psychosis, man. We've got, dude, this is how nonsense gets started, Dave, that you can't wheel back. And so I want people to put their phones down and go call a friend. Call and ask your close buddies, have I been raged out? And if they're good friends, they'll be honest with you. Say, no. Or they'll look you in and say, buddies, have I been raged out? And if they're good friends, they'll be honest with you. Say, no. Or they'll look you in and say, yeah, we've been worried about you.

I've had those moments in my life, man. Well, you get in fight mode and you stay jacked up. And you never get off. You just go looking for the next fight and the next fight and the next fight. It's a jacked up thing. And then all you do is just keep Fox News on or CNN on, whichever version you are. And they'll feed it to you. And they'll make sure you're pissed off. All 24-7.

That's how they get paid. Exactly. And if not, you can turn on your local news, and a tornado's going to kill you! But yeah. Oh, my God. There's a snowstorm! It's like, oh, jeez.

Just get in the truck and drive to work. Or don't. But pick one. Don't be maniacal about it turn the tv off it's white powder it's gonna be okay it'll be all right and so um yeah and but the the wussification of america this idea that we don't know how to fight through something and then when we get into this we don't have the the we don't know how to fight through something. And then when we get into this, we don't have the character structure to fight like a man. Instead, we fight like a boy.

Through power and control. And you stay in a jacked up bully mode instead of manly, righteous anger at something that's truly principled and wrong. And so you become an activist. God help you. Because you don't have anything else to do. It's weird. It's weird. It's happening out there. And so if you're in those situations, folks, get some help.

Call somebody. Please call somebody. Get somebody in your corner. Walk you out of it. And put the phone down! This is the Ramsey Show. Thank you. Dr. John Deloney, Ramsey Personality. Open phones at 888-825-5225. T.J. is with us in Lexington, Kentucky. Hi, T.J., how are you? I'm good.

Thank you, Dave and John, for taking my call, and I appreciate your ministry and example to me and my family and many others that read your books and take your classes. So thank you. Well, thank you, sir. You're very kind. How can we help today? So my question is, my wife and I, we're both completely debt-free.

We're on baby step seven. Good. seven good and we've got some cash that we're looking to put into some real estate and to uh rent out do some rentals how many rentals do you have i've had one in the past we currently don't have any what's your net worth entering about two million good for you well done tj excellent job so now We're considering about $2 million. Good for you. Well done, TJ. Excellent job. So now you're thinking about buying some rental property, okay? Yeah, we're looking to possibly get back into it once your guidance and thoughts on it, but it's also twofold. My daughter is looking to, she's starting out her career, and we're looking to potentially buy a condominium and rent it out to her and another

roommate in the meantime and wanted to get your thoughts on that. Okay. I would decide which it is. Is it your daughter or is it a rental property? But I wouldn't combine the two. My daughter came out of college, and I was right in the middle of buying a bunch of property, and one of the properties I bought was a really nice condominium like you're describing, and she moved into it. And as a gift, we let her live there, and we charged her roommates money.

They were my tenants. And then when she got married later, she and her husband went on and did their own thing. But that was just a way I could bless her with having no rent. But I'm not going to get in a thing where this kid who's starting off her life is writing a check to her millionaire daddy. Okay. I wouldn't do it. It changes the relationship. It's hard to be landlord and tenant and father and daughter. That's why I appreciate your input and advice.

Do you see the difference between if she didn't want to get a job and she just came home? Sometimes I'll tell people if they're going to move back home, they're going to pay rent in that room. One is you're trying to incentivize them to go out on their own. The other is you've got somebody who's – you're able to bless your kid in this way as they're launching off. Do you see the difference there?

How much is the condo you're thinking about buying?'s around 300 000 okay how many kids you got have three okay all right well at some point you could say um i'm gonna buy you a condo and give it to you uh if you wanted to uh but on the if it me, it would be like on the condition that you're living life well and that this is a blessing to you, and on the condition that you promise me you'll never borrow money. And then they can use that money that they would have paid in a house payment to become wealthy with quick, really quick. And that way you've changed your family tree.

I'm not sure you want to do that to the tune of 900 out of 2 million today but at some point you'll be able to do that and the first step could be buying a condo for cash that you keep and she lives there free and then later on you might decide to do some of that other stuff but um i don't loan family members money and um i don't loan anybody money because it changes the relationship. The borrower is slave to the lender. I'll either give it to you or I won't. And I may give it to you with a few strings attached that I'll give it to you,

but you've got to go through Financial Peace University and get your crap together. You know, you've got to get on a budget. And, you know, you're going to have to be, you know, come in, meet with one of our coaches and have them coach you up on getting your budget and getting yourself on a debt snowball and cutting up your credit cards. If you do that, we'll give you this X number of dollars and get some things started. I had a friend of mine from college that ended up homeless, and we were trying to help him get off the street, and that's what we did.

We bought him a car, put him up in a hotel, but it was on the condition that, you know, he comes in and does some work and comes in and does some coaching, counseling, so that we fix the problem. You know, that kind of a thing. But I didn't loan it to him. Right. And I don't loan people money, anybody, but certainly not my own kids. And I'm not going to charge them rent either.

So that's the reason. I don't want to change. Thanksgiving dinner just tastes weird when you eat with your landlord. It's just weird. And it certainly changes if you owe them money. It changes everything. So you've got the right heart and you've got the right mind. You're trying to not be an enabler and allow her to be lazy,

but I think that's already settled. I don't think she's lazy. You never mentioned a thing about her being off kilter, and if she was off kilter, you would have said so. And if she works for six months and decides she's just working so hard i just don't want to i'm tired they're rude and she's going to stay at home for six months then we may talk about okay if you're going to live in my house then working is part of the equation he's part of your free run here yeah you get to work you have to you have to you know i'm not i'm not setting up a thing where your trust fund baby

sitting on the back of a yacht right um eating whatever fund baby is sitting on the back of a yacht eating whatever. Spending my money. Whatever you do on the back of a yacht. But the bonbons, that's it. The lady in the audience just said it. Thank you. Thank you. I don't even know what you did.

But see, she knows. But yeah, that's it. And I'm lip reading today, too. That's not bad. I don't know that I've ever had a bonbon. I think I'm going to make it a priority to try them out. You know what? You can switch out bonbons for gummy bears bad i don't know that i've ever had a bonbon i think i'm going to make it a priority to try them out as show you know what you can switch out bonbons for gummy bears i don't think that gummy bears for bonbons you could be john has a bonbon problem that would be interesting kelly's like please please don't have that problem yeah all right let's go to who's next

let's break this up bry is in St. George, Utah. Hey, Bryce, what's up? Gents, I appreciate the time. I'm looking for your opinion on whether I'm stupid or not, and I'll take it constructively. Yes, we're good at this. Good. I recently moved of my employment. I was full-time making around 180. I moved it to part-time,

so I make around 90 now so that my wife could pursue this dream of starting a business, basically. She's a CPA, so she started a CPA firm in an online course. She makes around 300 part-time. She's done extremely well. I couldn't be more proud of her. But I'm kind of holding her back by still working 20 hours a week, and I love my job. I love my career. I'm an actuarial consultant. I like building relationships.

Why are you holding her back? I like talking to people. Sorry, go ahead. How are you holding her back? Well, if I quit my career and it really completely took over the kids and the house and all that she could make another 300 plus she's only working 30 hours 40 hours a week right now and but you love what you do she could be doing more yeah you make half a million dollars hire some numerically it's stupid

hire a nanny hire some help man right it's not stupid hire a n a nanny. You get satisfaction out of your work. She gets satisfaction out of her work. We're not abandoning the children. We're not sending them to boarding school. We're going to still be there and love them. Both of you are working part-time already. You said she's working part-time making $300. You're working part-time making $90.

And so, you know, if she wants to gear up a little bit, she wants to gear up a little bit you want to gear up a little bit that's fine and uh you know you're not gonna i don't we're not suggesting you work 80 hours a week but if you go from 20 hours to 30 hours a week and you go from 390 to whatever hire a nanny it's not that big a deal is there a level of bryce just shut up and be grateful for what you have? We don't need more. We're very frugal. We're natural savers. It just feels dumb. No, it doesn't.

Leading potential on the table. It's not a matter of being greedy or ambitious. Your wife enjoys what she's doing, and she's enjoying the success of growing this thing, and she wants to do more of that. Yep. success of growing this thing and she wants to do more of that yep and i often hear it on the other side when my wife has a or my husband's got a hobby and he's not making any money at it um and as long as it's not detracting from the family then it's the same thing except this one just earns three to six hundred thousand dollars right now uh you know you feed ambition to the point that it's not workaholism and to the point that you're blessing others and your family is not out of kilter.

Right. Your family's not off bubble. This is about joy. This is just about finding a little bit better balance. And it's hard for people that are doing this to actually pay someone else to come in and help. Yeah. It's a hard thing to do. It's a good thing to do. thing today. Proverbs 25, 21 is our scripture of the day.

If your enemy is hungry, give him food to eat. If he is thirsty, give him water to drink. Benjamin Franklin says, love your enemies, for they tell you your faults. Hey, I love that. Welcome to Twitter. Who said that? Benjamin Franklin. I've never heard that quote love your enemies for

they tell you your faults there's a lot of love out there for you dave janelle is in tacoma washington hi janelle welcome to the ramsey show hi what's up um uh well i have a question that i just wanted to say thank you so much um my husband and i have been doing a plan since march of 2020 and so far we've paid off almost sixty thousand dollars way to go wow yeah yeah we should be all out of debt by the end of this year good for you well done proud of you um so uh my question is my husband's car it died over the weekend and he has a weird car or a few like the engine was put in upside down because the starter is in a weird place and the alternator you have to like pull the engine out in order to fix it. So we're looking at probably an $800 to $2,000 repair for his Mazda.

And it's older. It's got 150,000 miles on it. And we're wondering at what point do we say, go ahead and fix it? At what point would you be like, just try and sell it as is? How much money do you have in savings? We have a $1,000 emergency fund. And as the month goes on, we kind of put aside all the stuff for the end of the month for us to pay onto our debt

so we can take all of what we were going to pay on our debt. How much is that? That's the $1,000 emergency fund. How much is that? So that should be about $3,500. So you've got $4,500 and you have an $800 repair. What's the car worth if it were fixed? If it's fixed and we were going to sell it just personal or private sale,

we could probably get about $6,000 for it. $6,000. And if you don't fix it, you can get $1,000 for it. Yeah, maybe $1,500. So you spend $800 on it even if you're going to sell it. Yes. Because otherwise you get a cut of $5,000 instead of a cut of $800. You go from $6,000 value to $1,000 in value if you don't fix it.

Even if you're going to sell it, fix it and you sell it for six thousand if it's not the starter though then it could be like a two thousand dollar fix because we have to you're still selling it for six thousand yeah so you're going to fix the car and you're going to get more than one opinion because so far what we have is a bunch of freaking theories we're going to actually analyze what's wrong with this car and be dealing with facts, not theories. Right now, you're dealing with a worry and a problem. You don't have the facts to solve the problem. The facts are two different people have actually looked at this that know how to fix it

and have given you two separate bids that will fix it, and they have diagnosed the exact problem. Okay. And if that's $962, you're going to spend it to fix it and then you can decide if you want to keep it or not but here's the thing you can sell it for six thousand dollars and buy another six thousand dollar car and stay right on your plan minus the 800 that you had to come up with the 800 is your car repair that's used up your emergency fund so you got to turn around put the thousand dollar back in the emergency fund because you spent on this car but that other than that you're going to fix you're But other than that, you're going to fix the car.

You're going to fix the car. Would you recommend? Okay, yes. I think you're tired of it. I think you're sick of fixing a car that's – this is the third time you've dealt with it being upside down and the engine's upside down and all that. And so it sounds like you're tired of the car. I'm a little bit tired of the car, but my husband is not, and it's his car.

Well, the question is, financially, is the car good for our family? If the car is okay to keep driving for a while after we fix it, then keep it and drive it. I don't care if you keep it or not. Okay. But I think you're going to spend $800 on a $6,000 car. Now, let's change the equation for a second for example purposes, so you kind of know how I made this decision. All right?

Let's say that the car was a true hoopty and it was worth $2,000. But you can sell it for $1,200 salvage. Well, I'd sell it for salvage. Because I don't put $800 in a $2,000 car because the difference in the salvage is a break-even. But the difference in this one is $5,000 in value due to an eight hundred dollar repair but you don't put in the car if you put more into the car then it raises it in value then you don't do it okay in this case it's going to raise it in value a lot more by fixing it even if you're going to sell it and that that tells you how to work this out in the future but some of you are out there driving

two thousand dollar hoopties right now and you're in the middle of your baby step two and those are those are throwaway cars garage sale cars you buy them at a garage sale and when they break down you sell them for salvage and you throw them away and you get you another garage sale car and you keep going i've done that i've driven those cars too they're no fun they're a car you give a name to take a picture of to tell your grandchildren this is what it was like back in the days of all 22 when we was getting out of debt kiddo respectful we had no money before i had 10 million dollar the names i had for some of those cars in my life i don't think i could tell my kids they were not nice names i had one that was the predominant color on it was Bondo.

We called it the Bondo Buggy. That was its name. Old Blue the Bondo Buggy. And the vinyl roof was torn loose across the front, so when you drove it, it filled up with air like a parachute. Yeah. So I'm classing it down the road with this parachute on top of this Bondo Buggy. That's how you know she loves it, dude.

I was stopping a stoplight, the top would settle. Come back down, then you take off again and go back up. That's how you know she loves it stop at a stoplight the top would settle come back down then you take off again and go back up that's how you know if you ever wondered if sharon really loved me yep uh sharon would have left but she didn't have a car i was the only one out of the car so yeah oh that was it man that was fun not really uh man so uh the bondo buggy yeah well i mean, you've got to name it. And George and I were pulling him up in here the other day because we were looking for a car. I'm trying to get George to buy a car because he's paid off his house. It's time for him to buy a car.

It's ridiculous. He's driving that hoopty of a Honda out there. And so he's cheap. George is cheap. I am, too. He spent more on his French Bulldog than he did on a car. He's other level. That's right.

His little designer dog he bought. His little designer dog with big ears. But, yeah, it's a cute dog. i am too more he spent more on his french bulldog he's other level that's right his his little different designer dog he bought a little designer dog with big ears but yeah it's a cute dog but the um but yeah the uh uh i was you know i remember i bought sharon a pinto that was um a 19 i think it was a 72 and it was uh like um kind of forest green yeah really seriously ugly this car i mean it was the it was the old version of a ford fiesta yeah it was an absolute piece of crap i mean when the gearbox in that thing when you change the gears it was like changing gears in your riding lawnmower you know how they feel oh yeah you know it's like you change gears you'd feel every movement of the stupid thing.

It was, and I swear the clutch was like a riding lawnmower clutch. The engine was less powerful than my riding lawnmower. I had an 88 Tercel EZ hatchback when I drove it. My knees were up here around my shoulders because it was so little. Oh, yeah. I sold it for $100. Hatchback. Hatchback, yeah.

You could haul a deer you could haul a deer i can put my get my guitar amps back there i still have for 300 bucks and some college kids eventually took it out into a field and drove it till it stopped that's that's where that car died i got a call about three years later from a they drove it in the field and and they buried it hilarious just for the axle they're just gonna drive it into the woods until it just quits running and that was their fun for the night. That's how beat up this car was. And then I got a call about three years later from a storage saying I owed them a whole bunch of money.

I guess somebody towed it out of their field years later. But that was my first sale, and I'm going to find one for my son's first car. So you didn't transfer the title? You left it in your name? Oh, no, no. I sold it to him. How did you get charged for the storage? Oh, no, no.

Well, because I sold it to my brother. I didn't want to throw him out on the radio but there you go he's the one who did it he needs to pay for the storage well they said you can either uh give us the car or pay us however two or three thousand bucks and i said merry christmas you are the new owners of got you a car of an old car buddy call your friends you It's got you a car, buddy. Call your friends. You can't make this stuff up. And you won't hear this on any other radio show. I'll just tell you. This is big-time entertainment right here.

You should buy a Pinto. I'm going to buy a Turzell. We're going to race. I don't... Get my lawnmower out. That'll put this hour in the books. We'll be back with you. Before you know it, in the meantime, remember, there's ultimately only one way to financial peace, and that's to walk daily with the Prince

of Peace, Christ Jesus. This is James Child, producer of The Ramsey Show. Did you know The Ramsey Show is one of the most popular podcasts in the world? Subscribe or follow today wherever you listen to podcasts.