The Ramsey Show - App - I’m Underwater on My Car (Hour 1)

Episode Date: April 11, 2023

Dave Ramsey & Jade Warshaw answer your questions and discuss: "Can I become a millionaire by the time I'm 50?"  Dealing with an upside down vehicle, from the blog: How to Get Out of an Upside-Down Car Loan, Starting a business debt-free, Selling a house to get out of debt, "Should I still go to my dream college even if I don't get a scholarship there?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Live from the headquarters of Ramsey Solutions, broadcasting from the Pods Moving and Storage Studios, it's The Ramsey Show, where we help people build wealth, do work that they love, and create actual amazing relationships. Jade Warshaw Ramsey Personality is my co-host today. Open phones here at 888-825-5225. That's 888-825-5225. Jade, I am so pumped.

We were talking about it before we went on the air. The first smart conference ever at the ramsey event center the first event at the ramsey event center the brand new ramsey event center is this friday and saturday and it is completely sold out thank you america we appreciate that there's gonna be about 3 000 of our closest friends hanging out with us for the weekend a friday evening all day saturday event and excited about that and big news we announced yesterday that we're going to stream the morning sessions on saturday morning free wow hello free so that would be like george camel who just launched his new

youtube site yesterday on Ramsey Networks. And Rachel Cruz will be speaking, and I'll be yakking a little bit there in the morning. And so we'll set all of that up, and you guys are going to get the first several sessions there in the morning completely free. Just go to RamseySolutions.com, click on Events, and look for the free live stream on Saturday morning of the Smart Conference. I think it's the first time we've ever done this and it's all from the ramsey event center i'm just pumped this is an exciting exciting week for us i'm very very excited excitement is an understatement your first smart conference too yes to speak it that's right that's right so jade will be on the stage later in the day on saturday uh and as well as dr john deloney Ken Coleman, me. It's the whole lineup. All of the Ramsey personalities will be there speaking and teaching you on the different

areas of your life. And it's a smart conference. So when you leave, you will be smart. Yes. That's how that works. And the live music, Dave, can we just highlight there's music like this is like energetic like this is. And, you know, we have people here that can actually sing.

We do. You. Yes. John plays do. You. Yes. John plays guitar. Yeah. And George plays guitar. That's right. And sings.

Legitimately. And sings legitimately. And I play the radio. That's right. So that's what I play. I can imagine you playing a cowbell. No, you can't. No, you can't. No, you can't.

Open phones here at 888-825-5225. Mary starts this hour in Oklahoma City. Hey, Mary, welcome to the Ramsey Show. Hi, Dave. Hi, Jane. Oh, my gosh. I'm so excited to be here. I really didn't think they were going to pick up when I called.

Of course we did. We knew Mary was calling. They said Mary's on the phone. We got right on it. Yay, yay. So my question is, I want to be a millionaire by the time I hit 50, and I'm 46 going on 47 in September, and my net worth right now is 351. I'm on baby step six, and I owe $293,000 in my mortgage,

and my income last year was $207,000. So my goal is to... You're 46? I'm 46. Okay, and you have $350,000 in your investments, and you have $200,000 on your house owed. What's the house worth? $485K.

Okay. So your net worth is about $500,000, give or take. Hello? Yeah, I thought it was $351. No, the equity in your house is towards your net worth. You owe $200,000. It's worth $400,000, right? So there's about $200,000 equity there, and $350,000 is $500,000.

So you're about a half a million. And how much are you going to add to this equation over the next four years? Well, I get paid in commission, so that's the reason why. And I want to pay off my mortgage in two years, but with inflation and everything, I'm not going to pay it. Okay, so you're going to add $100,000 a year for four years to this equation? First two years, pay off your mortgage, and after that, to your investments? Are you? If you add $100,000 a year for four years you're

there because you're already at 550 plus 550 plus four is 950 and you're going to have some growth that's true okay okay i didn't that's not fancy math that's just quick first grade addition do you understand what he did mary he took your net worth now, which you were not calculating the equity in your home. It was $351,000. And then if you pay off your house, it's worth $485,000. You add that up. And then you're going to have growth over time as well over the next four years. Wait a minute.

No, no, no. Okay. You got $350,000. And then you have a paid off house by the time in two years, correct? That's worth $500,000. That's my goal. Okay. But if you, okay, that's $100,000 a year for two years, that's worth 500 that's my goal okay but if you okay that's 100 a year for two years right yeah okay if you do just a minute stick with me okay if you have a paid for 500 000 house the next two years you add

a hundred to your investments if your investments don't grow at all if you add a hundred a year for the next four years to this total equation the first two years to the house the next two years to investments you're over a million if the investments don't grow at all so yeah you're gonna be there way to go kiddo you killed it's great proud of you touchdown you did it you won the super bowl now is a million dollars enough that wasn't her question she just wants to be a millionaire she just wants that first milestone to be there and uh and and by age 50 so she's going to actually be a typical millionaire that we found in the largest study of millionaires ever done that Ramsey did and uh in that basically we're going to find that just a little less than half of her net worth is in her home on the first million dollars and the rest of it is in her 401k

and in mutual fund investments and so that's how most of the one 1.5 million dollar net worth people we found and oh by the way the average age was 52 that's great that's so young it's getting younger every day yeah for me it's just a puppy it's more than young i can't believe someone that young a newborn anything they're just young but yeah yeah that's uh you did it that's how you do it so you know and here's the interesting thing okay it's good to lay out your net worth and not to obsess over it uh but to have goals absolutely because then that causes you to make positive moves towards hitting your goals. If you don't do, in other words, whatever you don't do on purpose languishes. That's right.

Intentionality is everything in any area of your life. Yep. Where there is no vision, people perish and you don't do anything at all. So you have a vision. You got to go through, look at the numbers. I think a lot of people are afraid, Dave, to even look at their retirement numbers or see what it is that they can accomplish in the time that they have set before them. Yeah. I think you'd be surprised if you look. And it really doesn't. I mean, you don't have to spend like days and days and days on this.

But when you go, OK, now what have I got to do? What must be true for me to put 100 a year out of my two and a quarter income on these, you know, for four years? I'm 46. So that at 50, ding, ding, I'm there. Way to go, Mary. That's exciting. Very proud of you.

Good work. This is The Ramsey Show. Jade Warshaw, Ramsey personality, is my co-host today. Open phones at 888-825-5225. Andrea is with us in Houston. Hey, Andrea, how are you? Good, how are you? Better than we deserve.

How can we help? So I just started here at university, and I've got all the materials. I'm kind of thinking a little bit ahead, and I was contemplating what to do with the two cars I have. Okay. Basically, they're both upside down big time, but I mean, in the perfect world, I would love to sell them both

and get a really cheap minivan that I can fit my five kids. What do you owe on the first one? It's $37,000. And what's it worth? Well, one place, one dealership called me and said that they could pay $40,000 for it, but then the car faxed or maxed whatever, was saying like 30, like really low 30s.

Okay, well. What's the other one? Yeah. It's the truck. It's 47 on that one, and definitely, I know, i can only get like 30 probably 30 mid 30 for it okay the traverse is upgraded but the truck isn't it's just the average um uh dodge ram okay so have you let's do a little bit more research on this first car and find out if you can really get 40 for it because if you can are you looking at to just you just going down to a one-car family?

Because you could take the $3,000 if it really is worth $40,000, put it towards a $47,000 and keep rolling. Or if you were wanting to sell both, at least that $3,000 could go towards the amount that you're upside down in car number two. Do you have any money? Car number two would be like $20,000 upside down at least. Yeah, well, that's Dave's next question is do you have any money do you have any money like 20 grand upside down at least yeah well that's that's dave's next question is do you have any money set aside whatsoever no that's literally the plan so um i have to still save the thousand emergency um i've been i'm credit cards are starting to get paid down and i plan to cut the first one this next week and so I'm kind of still thinking ahead though because I want to attack this pretty um intensive so your plan was to sell both cars what was your plan after that I guess I'm trying to get on your train of thought

because I can tell you what I would do but you're going to sell yeah sell both and get a cash for a car like a minivan that I can fit all five kids. Okay. And then what does your husband drive? I'm divorced. You're divorced. Oh, so you own two cars with one driver. Right.

Oh, okay. And what's your household income? Okay. Right now, I'm the self-employed business owner. And so after business expense and my cut, basically after employees, it's, um, 120 a year. Good. Okay, good. So you're, you're on it.

I love your intensity. Thank you. Thank you. Thank you. You're going to go places. You're going to be okay. So, um, well, do you, well, how bad is your credit? It was close to a 740, and now it's down to a 650

because I've chosen to pay other stuff rather than credit cards. Who's the truck loan with? Who do you owe the money on the truck to? Wells Fargo. So it's a good bank, and it's a good interest rate. No, it's not a good bank, but it is a bank. It's not a bank that's going broke. Okay, so what I would do is trot over to –

is Wells Fargo got a branch there that you work with? I kind of ordered the car online. I mean, I can look for a branch. What I want to do is talk Wells Fargo, and I would prefer to do it in person, talk Wells Fargo into letting you sign a note for whatever the truck doesn't bring so that approximately $20,000 or so, hopefully you can get more than $30,000 for it. Hopefully your data is wrong, and you get into into kbb and you do a private sale and you get 35 or 37 then you're only 10 in the hole but you would borrow that 10 from wells fargo

and then they would release the title to the buyer because you've got to sign a note for the difference in other words they're making you the equivalent of a personal loan which they already have they're just admitting it. Okay. Because the truck's not worth enough to cover in the event of a repo. So they're already not, they already don't have sufficient collateral and they're just allowing you to get rid of the debt, which ensures that you're actually going to pay the 10 or the 12 or the 15 or whatever the difference is. So that's what I want to start with is try to get them to cover.

Let you sign a note for the difference. How much other debt other than cars do you have? Credit cards, personal loans, and student loan. How much credit card? So the credit cards are probably totaling about $10,000 less to pay. Good. Personal loan is about $10,000 as well because I have two. They're small.

Perfect. And then student loan used to be $20,000. Now it's $10,000 as well because I have two. They're small. Perfect. And then the student loan used to be $20,000. Now it's $9,000. Okay. So I've paid that down. Okay. So what I want to do temporarily, stop paying on the student loan completely. Who's the personal loans with?

Personal loan is some silly companies called Opportunity Prize. They were basically when, because I have so much with my work, and so I didn't have emergency savings or any kind of bill savings until I got personal loans out. Okay, I'm just wondering if they would loan you the money to get out of that car if Wells Fargo won't. I don't pay it off, they would. No, I'm not talking about if you pay it off. I'm talking about the $10,000 hole. The difference. $15,000 hole you're in, they would. No, I'm not talking about if you pay it off. I'm talking about the $10,000 hole. The difference. $15,000 hole you're in on the truck.

Oh. I'm trying to get rid of that truck today, and you've got to give Wells Fargo $47,000 to get the title to that truck to sell it. In order to do that, you've got to cover the difference, the amount you're in the hole. If Wells Fargo won't let you sign a note for the difference, you've got to find another bank or credit union to loan you that that's why i was fishing around for so okay now yeah i'm selling selling both of them if i can find a way to cover the truck deficit by borrowing that amount and then you're going to uh that's going to get rid of way more than

half of your debt uh and yeah scrape together the cash with the difference on the van and whatever other cash you if you have to stop uh debt snowballing for a minute and uh get you a five thousand dollar van yeah right i hope you can get five more for the van than it's worth and then you can just go get a five thousand dollar van then we can get the truck sold that's going to leave you 10 or 15 in the hole then Then you've got 10 on credit cards, 10 on personal loans, and 20 on, or nine on student loans left. So you're going to be out of debt really, really fast with your intensity and your intentionality. You are really doing good.

Really good. That's exciting. I'm excited. It's not even my situation. She's really taking action. Let me tell you what. When you start saying, i'll do whatever it takes and you mean it yep for towards any goal you're going to get the goal yeah well she's

you can tell she didn't say what it was but she's got a reason and it's it's very clear what her reason is and why she's got to do this and why she's got to act so intensely and that's really the difference between her and somebody who calls in you know lollygagging through this thing yeah it's probably pretty easy to surmise a stinking truck was her exes heck yeah oh yeah so that thing is there's a lot of reasons to be pissed at that truck but the uh yeah getting rid of that and wow and then cleaning up this mess with your 120 000 income in one year you're going to be in such a different place because you're willing to amputate these vehicles where you're willing to get rid of them.

And so you've got to set up the deficit. You've got to cover that deficit, and then you're going to be fine. Very good. All right. Jeannie's in New Jersey. Hi, Jeannie. How are you? Better than I deserve.

Anyway, I had a question. I hope it doesn't sound stupid I'm kind of doing this by myself and um I did go through SPU I didn't have the best experience but I I'm smart enough to to know how to eat the meat and throw away the bones if you know what I'm saying so I I went through the course I feel like I went through steps one through three relatively easy what I'm saying. So I went through the course. I feel like I went through steps one through three relatively easy. And I'm wondering, is there ever a time when it's okay to be intense to, I need to buy a house very soon. And is it okay to be intense in step six? I'm kind of, since I never really felt that. I'm kind of interested in what these bones you're talking about, but I'll say that till the end. You know, I think some people, they go through one through three quickly, or maybe they

had something they were able to sell, or it's not as much of a process. So if you want to go quicker through baby steps four, five, and six, that's up to you. We tell folks they don't have to be intense, but if you want to be, you know, that's up to you. If you want to get there quicker, you know, do your thing. I'm not mad at that. This is The Ramsey Show. Jade Warshaw, Ramsey personality, is my co-host today. Open phones at 888-825-5225. Kalem is with us in Denver area. Hi, Kalem.

How are you? Hi, I'm good. How about you? Hi, I'm good. How about you? Better than I deserve. What's up? Well, I'm looking at starting a drone spraying business, actually. It was kind of my grandpa's idea, and he owns a pretty large farm. And I guess I'm just trying to figure out how to start it debt-free. I have about $30,000 in a 529 plan because I decided not to go to college.

And I've also got about $15,000 saved up, and I need about $45,000 to buy the equipment. So drones – I guess I'm just – Wait a minute. How old are you? cool okay so drone let me get this straight because i'm pretty ignorant about what you're talking about but i think i got the idea you've got the idea drones that are big enough to carry insecticide or some or fertilizer liquid form to fly over a farm and spray, like a modern version of a biplane.

Yep, that's correct. Wow. How big is this freaking drone, dude? It's about loaded with chemical. It'll be about 200 pounds. And how many acres? How fast is it? How efficient is it?

They're saying you can do 40 acres an hour. And then you've got to reload, right? Yeah, but you can. It's just so it sprays about. It has a 10-gallon tank. It goes out and sprays. It comes back. You swap the battery, fill it up, go back out.

It's just kind of a cycle. You just keep going. But you can do about a 300-acre acre field and they're saying about eight hours so it's not really fast fast but around our area there's only about two planes that can fly out and they're super packed um up in the summer so well and you've got you got mountain ranges to dodge in your area oh my gosh that's so cool i love this idea okay how many acres has your grandpa got oh he has about 5 000 on the farm but only about oh i'd say a thousand or um actual fields so what does he pay someone to do the uh do the spraying now uh it's about 13 to 14 an acre 13 to 14 what dollars yes dollars an acre yep so a thousand acre will be thirteen thousand dollars yeah so you could make about 300 bucks per hour with the drone no no i'm just getting i'm just

trying to get my total pricing right. So you could get somewhere around $12,000 to $15,000 for doing 1,000 acres? Yes. How many times a year does your grandfather have that sprayed? Well, that's the thing. It depends on what you're spraying. See, corn you would spray, you could spray at least two times a year. It just depends. And like alfalfa, you can get where you cut it for hay. You could spray it

when it gets bugs in it and stuff. I mean, you could spray anything with it. So you could be an average. I'm trying to lay out a business model here i'm not trying to learn the agricultural part of it how many times does the typical farmer spray the typical thousand acre field one two ten times a year i would say one a year one time a year is the typical okay and you need forty five thousand dollars so would your grandfather consider prepaying you for his first or second spraying? Yeah, I could see that as a, yeah. If I got that right, if he did two, that's like $30,000, and you already have $15,000, and we just did this. Yeah, I mean, his acres aren't as big for his field,

so I would definitely have to go out and find other people. Well, get somebody else. And here's the thing. Your grandpa's going to do it because he wants to help you, okay? Because it's money he's going to pay anyway. The only thing he's losing is he's going to pay it early to get his grandson's deal up and running, okay? So get him to pay you for two sprays up front whatever it is okay now let's say that you've got a neighbor

that has a twelve thousand dollar deal because it's a one uh one thousand acres to be sprayed okay you with me i'm using example you can change the numbers to be more reality then go to that neighbor that's a friend of your grandpa's and say hey i'm trying to get this up and running i'm 19 i'm a young business guy i'm not going to borrow money and instead of doing that i want to pre-sell you and you prepay for your twelve thousand dollar spraying the great news is i'm only going to charge you nine for this one if you prepay me yeah that that's actually i didn't even think about that really and they will um well that's why i'm here and they will because i've i've never done drone spraying business but i'm about to this is i love this you're so cool calum you are you man you're amazing cool so what a

great young entrepreneur yeah get in other words what i have done in the past i've got customers to prepay me i give them a discount to do that and that gives me all the money to do the deal and i don't have to do deal with some stupid butt bank and i don't have interest and i don't have to take the money out of my 529 and get the government taking half of it in penalties and interest which i don't want to do that either so you noticed i was avoiding the 529 um and here's the worst thing that could happen is you have to spray all these fields and this doesn't work out and you've got some paid for drones true that figure out something else to do with them well i mean you can take pictures with them you can do a lot of stuff with them because these are monster drones yeah if they're lugging 200 pounds that's a

it'll carry a person it's unbelievable you could You could fly me around. There we go. Look, mom, no hands. Give cave rides over the field. No, not really. But yeah, I mean, oh my gosh, that's pretty impressive. That is. That's very, very cool. What a great young entrepreneur.

Great creative strategy, too. And let me tell you this, folks. Between what we do on The Ramsey Show and what we do with Entree Leadership, I'm running into so many entrepreneurs that are under 30 that are not stupid. They are not lacking in work ethic. They are hardworking, smart. They've got good ideas. They're thinking that young guy's being wise. He calls us, how can I do this debt free? I'm so excited about the future of America. Me too. It's going to be good. You know, you've

got to believe that there's options out there. You can't, you know, go through with tunnel vision, but these people are just going, what do I like doing? What do I know about doing? What am I good at doing? And usually that's going to lead you down some pretty lucrative paths if you allow it to. Kalem, I'm going to send you a copy of Entree Leadership, my number one best-selling book on how we started this business on a card table in my living room and how we run it up to this day. Maybe it'll help you keep going because you're an amazing young guy. John is with us in Minneapolis.

Hey, John, welcome to The Ramsey Show. How's it going today? Better than I deserve. What's up? So I'm wondering if I should rent for a season and sell my house because it's way over the 25% you recommend. What's your payment and how much do you take home each month? So I bring home about $4,500 on a month, but I don't have any overtime. And currently my mortgage payment is $1,735 on a 15-year with about 12 and a half years to go.

But I also have one of those HELOCs that Dave loves that brings me up to another $775 to a total of $2510 a month, which is about 55%. What do you owe on the HELOC? $62,000. Oof. Okay. What for? All of the usual stuff. Consolidation in the past. Because the other part wasn't going to cost you your house. This stupid stuff cost you your house.

And that's exactly where I'm at with it. Do you have any other debt? $3,700 that I'm in base of two will be done by about the 15th of May. You said $3,700? Mm-hmm. All right. Correct. Because I was going to get, it continued to be gazelle intense on the HELOC, but...

How fast can you knock it out if you crank the overtime? I'm thinking one and a half to two years. Do you like your house? I would prefer to say you're yes. Gotta work for it. Bust it for 18 months

and clear the HELOC. Shoo! HELOC is just an extension of your debt snowball because all the stuff that would have been in your debt snowball got rolled up in that

and I don't want that to be the cause of you selling your house. I'd rather you bust that debt snowball in the mouth by being intense for another 18 months to keep

your house since you like it and it's a good house. Yeah, that's what I would do. Good question, sir. This is the Ramsey Show.

Jade Walshall, Ramsey Personality, is my co-host today. If you're new to this Ramsey Show stuff, and many of you are based on our huge increase in ratings and rankings, thank you for visiting us, and thank you for all of you telling people about the show, too. We really appreciate you. If you're new and you're trying to figure out what all these words and baby steps and debt snowballs and stuff means and the code around here, we'll help you get started. It's completely free. Go to RamseySolutions.com, click the Get Started button, and that'll get you started.

We'll help you figure out where you are and what your next best steps are. Again, completely free. Click Get Started at RamseySolutions.com. Our question of the day is sponsored by Neighborly, your hub for home services. Summer's busy. Makes it hard to find someone for home maintenance sometimes. But Neighborly is your source for local repair professionals like AirServe, Mr. Electric, Dryer Vent Wizard.

Go to Neighborly.com and be ready for any season. April is National Financial Literacy Month, and all month long, teachers and students in classrooms across America are taking time to talk about the importance of learning good money skills. One such student sends in our question of the day. That's right. We got today's question that's coming from Brittany in Arizona. She says, if I'm trying to get into my dream college and I get in,

but I don't get a scholarship, should I still go? Or should I try to get a full scholarship from another college? This is a very good question. Well, you know, at the end of the day, the goal is to go to college debt-free, right? We don't want to go into debt for our education. And I don't know how much the school costs, but if you're not getting a scholarship there, you know, the next box to tick is to say, well, is there any way that I can work through this and pay the tuition as I go? So that's the next option and get a job and do that whole thing.

And if that's out of the picture, like, I don't know if we're talking about Ivy League or I don't know if we're talking about, you know, a local state college, what the situation is. But if you're not able to pay cash for it, we need to start looking at other options is basically what this boils down to. Yeah, if you're going to go in debt to go, your dream college is actually a nightmare. I know that firsthand. So that's number one. Number two, Brittany, I think this is a good chance for you to get a little bit philosophical and say, okay, why is my dream college my dream college?

Why is it my dream? What makes it your favorite? What makes it exciting? And many times, and I'm not necessarily sure this is true about Brittany, but it could be, many times when we say our dream something, we're basing it on something that is not real. Well, it's a red flag. Yeah, it's a red flag when I hear that.

So if my dream college is a big name fancy school, then that means I think if I go to that school, I'm going to be more likely to be successful because I have that name. Yeah. Well, let me help you with that dream, Brittany. That dream is called a lie because there's absolutely zero research, none. And there's tons of research out there. Not one piece of data says that where you went to school indicates your increased probability of success.

That's right. Not one. Not one. Lots of failures at life went to harvard went to yale went to mit lots of them that's true and they completely flunked out at life their life sucks they suck and where they went to school didn't fix that it's where you go to school there's zero indication no none well i'm gonna hang out with people and bullcrap well i'm gonna go to harvard law whoopee yeah you know listen the network is the big that's the one people that

well i gotta build my network lie the number of people you run around with 25 years after you got out of school that went to school with you is precisely zero. Come on, and y'all were drinking together anyway. Y'all weren't thinking about how to be successful. Hello. Playing beer pong does not constitute a friendship. When people say dream, when they say dream college, dream house, dream vacation dream vacation dream car you're getting ready to get getting ready to get in a wreck that is your excuse the second reason you could have a dream school is for another wrong reason to pick a college and that could be the social environment

of that college true that yeah it's got a great football team they got a lazy school they got a lazy river their their facilities are beautiful the campus is pretty yeah the town is pretty good looking guys zero percent of this has to do with your future zero no one ever became successful in life because the school they went to was a great party school and had a great football team. No. Zero percent. Zero percent.

I went to that school, and because they played football well, I am successful. What? No. What? No. No, no, no. In life, you're actually going to have to do your job and be good at your job and show up on time for your job.

You're going to have to do your job and be good at your job and show up on time for your job. You're going to have to do these real things. I'm not accusing Brittany of this, but I am accusing lots of people who are considering their dream school. But most of the time, it comes down to they think they are getting superior academics and superior prestige that is going to give them a superior chance towards success, and there's zero data that says that says that yeah because here's what truly happens if you are going to be successful after you graduate you will spend the next 25 years of your life being a continual learning person a person of continue to learn so good

you will get the equivalent of three more degrees because you read, you attend conferences and classes, you continue your professional growth. That's right. If you graduate from college and never read another book, you become what's known as a stupid human. You are not trending towards success. It's true. Really?

It's true. I didn't go to the best music school. And I remember that my classmates were going to better schools. And I know people went to the best music schools who cannot sing. They suck. Hello. I'm just saying, you know, at the end of the day, you got to be the one that works hard.

Like Dave said, you got to be the one that furthers your education. It is not. And nobody ever asked me for my degree, by the way. Yeah. I listen. I was at the doctor the other day and they were getting ready to do some minor surgery and i did not ask to see where he went to school you didn't stop them before they put you know the needle and go wait i need to know where

you went didn't even do that with the last three lawyers i hired all i wanted to know is are you smart and are you mean and can you win okay that's all i wanted to know about the lawyer okay i don't care when i went to law school are you smart are you mean and can you win that's a fact lawyers if you're going to go to court you need to be smart mean and win right and so oh my gosh you know this is this is what this is how you decide this so parents stop this lingo now britney again i'm not making fun of you personally because i don't know that any of that is true about you you did not indicate that in your question that's right okay so i'm i'm but i'm using that as a springboard for this uh platform to say folks my forever home let me tell you there's only one forever home it It's heaven. That's it.

That's a word. Otherwise, you don't have a forever home. Your butt's going to move again, at least to the nursing home. I mean, that's the excuse. Your butt is going to move again. Every time I move into a forever home, 12 to 15 years later, I'm gone again. That's right. It's the dream home.

It's our dream home. Your dreams change. We used to build dream homes. We had on the sign, when I was 22 years old, I worked for a home builder. On the sign, it said, build your dream home it's our dream your dreams change we used to build dream homes we had on the sign when i was 22 years old i worked for a home builder on the side i said build your dream home here you know what i discovered by the time we finished the house their dreams had changed yeah well that sign what they want that sign to say is your permission to go crazy and spend what you want to spend here that's what that is well because i'm only gonna do it once so i might as well go all in yeah it's the yolo dreams don't because the other you know the other

part of this it just occurred to me the vernacular of my dream something you know what that says yeah you can't tell me i can't because you're a dream killer that is good this is you have to live in your truth yes it puts up a boundary yes other people can't question you if you say, it's my dream home. It's my dream school. Because no one is allowed to be a dream killer. Oh, yeah. Except Salmon Cowell. That is true.

He will kill your dreams if you can't sing. I don't know. I'll kill somebody's dreams too. I'll tell you, you can't afford it. Life will be Salmon Cowell if you don't have it out there, okay? Someone will come along and tell you, your dream's stupid. That's a stupid dream. Don't do it.

It's going to be a nightmare. I love it. Sometimes when they say dream school, that's what they mean. So I'm just helping you parents, some of you educators, go ahead and kill their dreams now. Yes. And get them to reality. Let's get an education in something that's actually usable where we can complete the four-year degree. Hey, what's up, guys? It's Jade.

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