The Ramsey Show - App - Is This How I Should Pay Off My Debt? (Hour 2)

Episode Date: December 13, 2023

Live from the headquarters of Ramsey Solutions, it's The Ramsey Show, where we help people build wealth, do work that they love, and create actual amazing relationships. Dr. John Deloney, Ramsey Personality, host of the Dr. John Deloney Show, one of our more popular podcasts on the Ramsey Network, number one best-selling author of Building a Non-Anxious Life is the latest number one that we did with him.

It's a great book. He's my co-host today. Open phones at 888-825-5225. Merry Christmas, America. Travis is in Baltimore. Hi, Travis. How are you? Hey, John.

Thanks for having me. Sure. I'll make this as quick as I can. I'm 31 years old, married. We have two kids. We don't own a home yet. Currently five weeks into Financial Peace University. We've paid off $1,000 of our debt so far.

We have currently $44,000 in debt. My question for you is, my previous employer had a profit-sharing system set up. So in March, I've been away from them for a year now. I went back over the road. So in March, I can decide whether I want to roll my money over to something or if I want to cash out however I want to do it. I have $51,000 in that account. Should I or could I use that money to wipe out baby step number two

and start baby step number three in freebie? I think that's a qualified plan, meaning it's a type of retirement plan. Am I right? Yes. So if you cash it out early, you're going to get a 10% penalty plus your tax rate. So what do you make a year? What's your household income? So I make a hundred thousand. My wife works part-time. She makes about 20. Okay. All right. And so you're in a 35% tax bracket. So you're going to pay 35% plus 10% on the money. So it's kind of mathematically like asking,

Hey, Dave, I want to borrow money at 45% interest to pay off some of my debt. That would be a dumb thing, right? Mm-hmm. So we're not going to do that. Okay. We're going to roll it over. Go to Ramsey Solutions and click on SmartVestor Pro and find a good financial broker in your area that we recommend that you can sit down with and help you do that rollover,

and you need to roll it over into an IRA and not pay any taxes on it at all and let it grow. I just don't want to give up half the money or so to the government in the name of getting out of debt. That's a bad plan. But you're making $120,000 and you only owe $44,000, right? Mm-hmm, yeah. And you're just getting started.

So the good news is you've gone into attack mode, and if you just keep turning up the heat on the attack mode, you'll probably be debt-free in under two years. Okay. Hey, Travis, can I challenge you a bit? I'm sorry? Can I challenge you a little bit? Sure.

You've been in the class five weeks? Yeah, tonight is week number five, yes. Excellent. So you make $120,000. How have you only paid off a hundred i mean have you only paid off a thousand bucks do you have a pretty expensive lifestyle you're living um well no uh we we started uh budgeting with every dollar um and we literally just started. Okay. Literally this month. So John's point is this. If you look at the big number, 120 minus 44 would be like $76,000. If you lived on $76,000 for one year, you'd be debt-free, not counting taxes.

Okay? Right. So that's his point, and that's not $1,000 a month. That's more like $ one thousand dollars a month that's more like four thousand dollars a month so um i challenge you to get radical find what you can sell in your house do you have track i want you to lean down that's what i'm saying i think you're going to lean down into that budget if you did it in two years that's two thousand dollars a month but a thousand dollars a month's not enough out of your budget you need to cut more

than that and get after the debt so uh but all of that to say that's the way to go john's exactly right and let's go ahead and roll that money over so you don't give the government half of that and go and then just you know beans and rice rice and beans we're not going out to eat we're not going on vacation we're going to attack this using the every dollar budget and we're going to get it cleared up and for the first time in your life you're going to be free. We're going to attack this using the every dollar budget, and we're going to get it cleared up. And for the first time in your life, you're going to be free, and it's going to be worth it. It's going to be a complete pain in the butt for the next 18 to 24 months, but it's going to be worth it.

Hey, thanks for calling in, man. Joe's with us in Atlanta. Hi, Joe. Welcome to the Ramsey Show. Hey, Dave. Hey, John. Nice to talk to you guys. You too. What's up? Yes. So I got a question. This is about 529 plans. I have two kids, one six, one four, and then we just found out we have two coming next year,

so we'll have a total of four. Yay! All right. Yeah, yeah, yeah. Pretty exciting. Once we got over the shock of having two at a time. But my question is, we have a surplus of funds for this year. We are 100% debt-free, no mortgage, no cars, no debts of any kind, no credit card. I hate it when that happens.

I know. It's hard. Way to go. Would you run for congress if uh if i had any interest i would hear you he's like brother i was thinking dave but i'm also thinking about setting myself on fire yeah yeah yeah um so my question is on the georg Georgia 529 plan, it's tax deductible up to $8,000 per kid per year. And we can only have two right now because I think you need a Social Security number for each account you set up. You do.

That's right. Would you recommend, so we have a good amount of extra, just putting a lump, know we can put more in than 8 000 would you consider putting like 50 grand in for each kid and just being done with it yeah uh or put it somewhere else and then every year put a little bit more in no i mean you can do that uh the the downside is 529 of course has to be used for education and any growth on the money is going to be taxed if you pull it out for something other than and penalized if you pull it out for something other than education so um that that's your downside so along with making a commitment to put 50 grand which pretty well finishes it up if you're doing this for young children. That'll be it.

They can cover undergrad with that. You're done. Check the box. You're out. Well, and I know they can, I'm not sure if this is a new rule, but you can do 10,000 a year for a private school K through 12. I believe that's what it is. So if we were to do like high school, private school.

That's true. You could drain it down doing that. But if you don't put them in private school and they don't go to college, you got some money trapped in there. That's my only point. And that's okay. We just say that out loud, which means when I started my kids' college funds, they were young like yours, and I just brainwashed them.

I said, this is your college fund. This is your college fund, which presupposes you're going to college. And so, you know, we're not going to college to study left-handed puppetry. We're going to go study something that actually works in the marketplace, right? We don't want to get some nuanced, useless, freaking degree and then be a barista. That's not the plan. But, yeah, all of that, yeah, I would do that. I would do that. And now, with a Georgia 529, do not do the prepaid tuition.

You do not do the prepaid tuition you do not do that you're investing in mutual funds that you control the options and that you can decide where they go to school you're not you're not trapped in with prepaid don't do prepaid that's not a good deal because the rate of return suck on that so um and your options are very limited. So, good question, man. Thanks for calling. Thank you for joining us, America. This is the Ramsey Show. Open phones at 888-825-5225. Dr. John Deloney, Ramsey Personality, is my co-host.

Tonya's with us in Philadelphia. Hi, Tonyaonya what's up hi um so i'm calling because i have a question so i'm 25 years old i'm a single mother um my income is about 47 000 a year um and i have about 18 000 um in debt um i have $16,000 of that is a vehicle that was, they have it as a repo on my credit because I had a car accident and it was totaled. And the person who crashed me didn't have full coverage and I didn't have full coverage either. So I'm in a situation where the car that I have right now has 192,000 miles on it. So it's going out on me and I'm in need of a new vehicle. And being that I have that repo on my credit, I'm having a hard time getting approved for another vehicle. Good. It's the greatest thing that ever happened to you, honey.

Last thing you need is a car payment, kiddo. You're broke. Yeah. But you do need a car. Yes. Wait, when you say it's going out on you, my truck has 197,000 miles on it. Is it just ugly or is it falling apart? No, it's not ugly.

It's just starting to fall apart on me like i just put 1500 into it trying to fix it and it's still giving me problems okay all right so so the car is probably worth what two thousand dollars no not even with the problems that it has and you said you make what? About $47,000. Okay. How many kids you got? Just one. How old? He's three.

He's four. Okay. Who watches him when you work? He is at daycare. Okay. So, yeah. Because the reason I'm asking is I'm trying to find you some money because I want you to scrape together. Like you found the $1,500 to fix the car.

I want you to scrape together $1,500 to $2,000, sell your car for $2,000 and buy a $4,000 car, which is a whole lot better than you've got now, but no car payments. Okay. And then I want you to do that again about a year from now. Okay. I don't want you to drive that again about a year from now okay i don't want you to drive that car the rest of your life but it but car payments are going to hold you back so much it sounds like it's going to be you're just so sick of having a crappy car that's unreliable and the stress that goes with that that it makes you jump ahead and in your mind just having

something that's reliable is worth the pain of the payment and i'm trying to tell you before you get there it's not yeah no i'm just getting to the point where like i'm a little frustrated yeah you know you're a lot frustrated i would be i'm frustrated with you yeah i i understand and i agree with your frustration i don't want it to lead you to a bad decision, and it's about to. So let's avoid car payments. I'm so glad you did not get approved, because if you had gotten approved, it would have been at a high ripoff subprime interest rate

because you have a repo on your record. Yeah. And so you would have been screwed double. Yeah. Yeah, don't do that to yourself. Let's go pay cash for a the difference in a four thousand dollar car and a two thousand dollar car is very dramatic yeah okay now are you in a good church um i do i do a kind of church do you have some guys around anywhere that could be your ugly

uncle for a day or two and help you pick out a reliable car and not let someone mess with you because they think they can, but instead the ugly uncle standing there and saying, you know, this car is not real pretty, but it's a really good, reliable mechanical car. That's the one you buy when you're buying a four thousand dollar car we're not trying to buy a sex appeal we want reliability of course yeah and sometimes when you're negotiating with someone on that people are sexist and and they yeah they'll do stuff

for an old ugly uncle they wouldn't do for a sweet young lady yeah or put a note in your church bulletin or let your folks know i'm looking for a great i'm a single mom with a three-year-old and i need a reliable four thousand dollar car would someone help me find one okay you'll have people that raise their hand yeah you might have somebody give you one hey and by the way you don't like asking for help, do you? I'm not. I am actually a police officer, so that's really hard for me to be that kind of person to reach out and ask for help. All right, hold on. This is important. You have cast, quote unquote, those kind of people as people who ask for help. I want you to reframe that.

I want you to know that the wisest people I know ask other wise people for support and help about things they don't know. Okay. And so it's not those people that ask for help. It's you. It's me. It's Dave. It's all of us. The wisest people I know reach out to other wise people and say, hey, what do you think about this?

Can you help me out with this? And so this is you stepping into a whole new identity. I don't go in and negotiate on something myself, and I'm a really good business guy and a real good negotiator, but I don't go into an item or a situation that I know nothing about. I don't have any expertise in. I bring along the old ugly uncle myself okay and that's a really ugly uncle for dave to bring

if dave says he's an ugly uncle oh my god yeah well yes yeah that i mean you know that's you bring in the heavy you bring in somebody beside you and so if i'm negotiating on a tech thing i don't know nothing about tech i got 400 people at work here that do that though and so i'm going to bring in my top guy who's going to razzle dazzle him with his academic and says all the tech words right and and they're like oh god these people know what they're doing you know but when they're looking at me they're're pretty sure I don't. Well, and similarly, I guess the appearance is we have all the answers to every one of life's questions. A bunch of acres behind my place went up for sale. And I immediately thought, oh, yeah, I know a guy.

His name's Dave, and I work with him. And so I said, Dave, this is what they're asking. And you said, that's too much. And so I moved on. And so it's it's every wise person i know asks other wise people i don't know anybody that knows middle tennessee real estate better than you do and so why would i i'd be foolish to not ask ask you that question right so ask people in your life for support and help however you can man whether it's wisdom or whether

it's hey i need you to come help me do this thing that i can't you can do it better i can do it better with you than i can do it by myself that's right and that's all we're saying and yeah yeah and thank you thank you for being a policeman in philadelphia police woman in philadelphia police person whatever we call that i don't know i cannot figure out how to do but anyway but anyway i was trying to be nice and john screwed it up got all woke yeah all right anyway yeah good stuff open phones at 888-825-5225 so guys here's the thing cars her situation with cars is a big deal we did the exact thing i did exactly this a guy loaned me a car that was probably worth three hundred dollars because i didn't have a car well i had one and i need a second one and it was a 1978 cadillac with 478 000 actual miles on it the vinyl roof was torn loose across the front so when you drove it it

filled up with air and looked like a flying parachute and the predominant color was Bondo. That's the car I was driving. When you're driving that car, anything is moving up. A $1,000 car is moving way up. And I got a $1,000 car. I did. And I gave my buddy his car back. It was a loaner. He loaned it to me for a month, and I found $1,000 miraculously

because I wasn't driving that i can see you honking i've been driving a jaguar and i went bankrupt and now i'm driving bondo buggy with a parachute on top and but i drove it to a thousand dollars and then three months later i bought a three thousand dollar car five months later i bought a ten thousand dollar car and every time i just move up a little bit. But the difference in a $10,000 car and a $1,000 car is very dramatic. It's significant, yeah. It's very dramatic. And none of that was with car payments.

I did it. So I know Tonya can do it. Honking the horn. Look, Sharon, I got a $1,000 car. When you pull up to the stoplight and your top is settling and people are looking at you, you just turn up the rap music, right? I mean, come on, man. This is The Ramsey Show.

Dr. John Deloney, Ramsey personality, is my co-host today. Thank you for joining us, America. Merry Christmas. The Ramsey Show question of the day is sponsored by Neighborly, your hub for home services from repairs and maintenance to remodeling and upgrades. Neighborly's trusted home service providers have trained local experts to handle almost any job. Great company. Download the Neighborly app and connect today. All right, today's question comes from Sandra in Florida.

Sandra writes, my spouse's spending is crippling our finances and our marriage. Each month we have only about five to 600 left after monthly bills and minimum debt payments, and we only have a thousand dollars saved. I've tried to speak lovingly to my husband and let him know how much the overspending scares me and affects my mental health. I've also had moments of frustration and have blamed him for financial struggles, which I realize is not a healthy approach. Seems all my efforts and approaches are futile. I understand the Ramsey principles behind joint accounts and have lived this way for years, but at what point in my marriage do I say enough and separate myself financially? Right before divorce. Yeah. Yeah. and i think we're here i think we're close

this is way bigger dave than uh i'm glad she i'm glad she had the courage to write is crippling our finances and our marriage because this type of behavior tells me there's other issues in that marriage it's not just money yeah this guy is um kind of got the axis of the world stopped through the top of his head. Everything spins around him. He's the most important thing that ever lived. I'm telling you. His mama told him that.

Yep. And now nobody tells him anything. Yeah. I just can't imagine, Dave. Again, I don't have a psychology for this. I can't imagine Sheila taking me out and saying, anything I'm doing, you're scaring me to death. And me going, I don't care.

I don't have that in my body. I don't understand that. I don't understand how you could respond to anybody that way. If the waitress at W waffle house sat down and said hey the way you're doing things scares me and i'm not i don't feel safe i i don't think i could be like i don't care like i i just don't have that in me man so i don't understand this dude at all what a scumbag i just don't get it don't get it so um yeah it could be just an immaturity could be a lot of things um in all seriousness all once i get past all my frustration and my name calling but um the um so there's two issues with

this email number one uh you guys need to sit down with a marriage counselor, and if he won't go, go by yourself so that you can start to get language to how you're going to decide how much longer you're going to do this. Because my experience with this, and I'm not a counselor and I'm not trained like John is, but for 30 years I've done this and sat with couples, and my experience is particularly ladies, more so than men, they reach an end point, and it boils and boils and boils,

and then suddenly they go over the edge and the switch flips. And once it flips, there's no getting her back. She's done. When she's done, she's like roadkill. It's over. It's done. And you can't getting her back. Right. She's done. When she's done, she's like roadkill. It's over. It's done. And you can't get it back. And you're going to reach that boiling point if you don't do it intentionally with some help,

with a good coach, a good marriage counselor to give you words to do this in a very wise and reasonable way. It's going to sneak up on you and him. And you're just going to go, I'm done. When somebody says the word futile, everything I've tried is for not, is for nothing. Now, that's lost hope. That's lost hope. That's right. And so you're getting really close.

And I'm telling you, if there's a chance that you save this marriage, it's going to be with some help guiding you through how to communicate to him if you can get through to jello brain here and get him to do this okay now if you can and you turn it around that's great that's thing one that's the route to go hidden inside of this email is the question that i've been asked a bunch of times is a separate issue, that's how can I handle my money separately in a messed up marriage and it be okay? And the answer is you can't. You've got to make the marriage okay. If you want to have prosperity in your relationships and prosperity in your net worth,

it has to be done from a functional standpoint, not surviving a bunch of misbehavior and still prospering in spite of it. That just doesn't happen in my experience. We see almost never does someone overcome this guy not changing, and somehow you create a tactical way to separate your money. And while you're still married to him and he continues to do the exact same thing, somehow you go off and become a millionaire. That does not happen. That's just, that's mythology.

There's not a tactic, a legal document, a process that causes you to be able to swim with an anchor around your ankle. And so you guys have got to swim with an anchor around your ankle. And so you guys have got to work through this or work your way out of it to be able to have a great life for both of you. And I think it's important to call out this husband is not being a person of fidelity. He is not upholding the marriage vows that said, to sickness and health, till death do us part. This is ours. Mine is yours and yours is mine.

He's not doing that. He's saying, I really don't care about you. I just don't. I just don't. And it breaks my heart for you, Sandra. Breaks my heart.

Sad. Very sad. Josh is in Illinois. Hi, Josh. What's up? Hi, Dave. I really my heart. Sad, very sad. Josh is in Illinois. Hi, Josh. What's up? Hi, Dave. I really appreciate you giving me your time. I'm going to try to make this quick. So in 2021, so my family and I have always used a tax assistant to file our taxes. Now in 2021, apparently the taxes of both my dad and myself were filed incorrectly.

Um, and basically it's showing on at first the CP 2000 notice. Now it's CP 32, 19, a, uh, showing, uh,

$0 was shown on return for several of my employers. And then when it says reported by others, and then it gives how much money I paid and the increase in tax or the deficiency on this is 9548 and then a substantial tax understatement penalty is 583 now my question is so the guy that did your taxes calculated your taxes wrong uh that may very well be the case and is that what you're telling me i'm asking you i'm making sure i understand what you're saying yes yes the taxes were filed incorrectly okay and so you have a ten thousand dollar tax bill that you didn't think you had right and uh this was from 2021 and ever since 2021 even though they just found it they've been charging interest and

yeah that's what they do like that yeah but but the bottom line is is if they had been filed correctly you would have owed ten thousand dollars uh correct we we received um we received the refunds that we probably should not have received yeah right Right. And did you go, and have you had another tax professional look at the return and make sure that the IRS's proclamation is accurate? Yes, sir. And here's the thing, actually. We know that this is accurate because it was a lady that did our returns that year. We are actually doing business right now with her sister and not only

did this original lady ghost our family over all this she's not even talking to her sister anymore and her and her sister had a fallen out over that that doesn't mean anything doesn't matter doesn't matter asking the question have you had a tax professional that knows what the flip they're doing this time actually go over this return and verify that you do owe $9,500 plus penalties. Yes. So the sister is reliable. Right, yes. You think?

Why? Is she an enrolled agent, a CPA? What is she? She's an enrolled agent. Okay. All right. So you had a tax bill all along. You just didn't know it, and it's cost you agent. Okay. All right. So you had a tax bill all along. You just didn't know it, and it's cost you $500 in addition to that.

You're just going to pay it, man. I mean, there's not a lot you can do about this. They're not liable for your tax bill because they calculated it wrong. Are they liable for the penalty? Maybe. You might get $500 out of them, but it's not worth the dadgum trouble. Everybody in this story makes no sense. Yeah.

So, you know, yeah, I would just pay it. I mean, you could get an attorney and try to get $500 out of the deadbeat if you want, but I don't. That's not. You'll pay more than $500 in fees? You're going to have to pay more than $500 to have the meeting. This is The ramsey show dr john deloney ramsey personality is my co-host today open phones at triple eight eight two five five two two five renee and edward are with us in albuquerque new mexico hey guys how are you okay we're good how are you good how can we help well so last year my wife ran

in that apartment and the uh she's really sick she has mold poisoning she went and the property manager guaranteed her an apartment that was mold free uh she moved in uh three weeks later had to move out go to the emergency room extremely sick from mold she hired a independent mold inspector who came in found you know test results showed that the place was unlivable uh toxic mold and needed remediation so the property manager said she could move out pay an extra month's rent and she'd release her from her lease agreement well yesterday she we get a call from the uh credit companies a credit collector and saying she owes them almost four thousand dollars and um it's five thousand well right they're willing to settle for thirty eight hundred so i'm confused why your wife moved out and rented an apartment i'm confused

because we were separated. Oh, okay. That makes sense. And now you're back together. Yeah, because of this. Because of the mold? Because I had nowhere to go. Oh, okay.

So my question, Dave, is should the threatening that this, if she doesn't pay this, it'll ruin her credit, which is obvious. But should she pay them? Should we fight it? Should she not worry about her credit? But I can't work right now. I'm still very, very sick, so I can't work. Okay.

What is your financial's financial situation? I assume you don't have any money Well, I mean, we're debt free I work He makes good money He makes plenty of money Yeah, I mean, she lives with me She doesn't work She's sick

But when she gets well, she wants to move out. So she doesn't want her credit ruined. Okay. Well, obviously the lesson learned is you didn't get it in writing. You got a verbal from the landlord, right? Right. So that's the lesson learned. This would have been a lot easier.

The landlord is an individual or a manager of a complex? He is the property manager of the complex, but not the property management company, which is the one trying to collect the fees for the property contract. But this guy's an employee of them. Yeah. Yeah, okay. All right.

So hardball would sound like this. Contact an attorney. First thing I would do is the two of you get in the car right over and meet with this manager that made you this promise. Okay. In person. And say, look, you told me we were out. Now I'm getting hassled for five grand here. This isn't the five. I'm not going to pay the five grand. You told me we were out. Now I'm getting hassled for five grand here. I'm not going to pay the five grand.

You told me we were out. I'll put you on the stand as a witness, and unless you're willing to perjure yourself, which is a criminal act, you will tell the court that you said I was out of the lease, at which point I will be out of the lease. And so you need to get with your team over here and get this collections effort stopped, and I need in writing from you in the next couple of days that this is all going away and there's no problem. If you do that, I will not sue you for my medical bills because you misled me and put me in an apartment with mold.

If you do not do this, and I'm not out of this instantly my attorney is going to sue you personally sue your company for my lost wages and my medical bills and for release of this but I don't want to play that I would rather you just keep your word and your company keep your word and release me and we'll go on our way right in person very clear do not raise your voice, do not use swear words, but very direct with deep eye contact representing anger. You follow me? So this was over a year ago, and that assumption that that same...

I don't care. This is your best place to start. This is the cheapest way to fix this. Okay. Because people that think when you get lawyers and you get into the court system that you get justice, there is no such thing. The only one that gets justice is the lawyer's kid whose tuition gets paid by you. Okay. This is not going to go anywhere else so but if you have to hire an attorney and go after these people you go after them for your lost wages because they fraudulently

misrepresented and cost you your health so we're not only going to go for release of the lease we're going to go for compensation on top of that we're going to make your freaking life miserable if you make me make a hobby out of you all right right yeah we don't want to do any of this you don't want to do it i don't want to do it they don't want to do it and they need to hear that real clearly from you the best thing they can do is just get quickly get me a piece of paper that says i owe you zero and i will simultaneously release you from your liability for lying to me and making me sick. Yeah. I'd probably have a manila folder with your medical bills, the report from the mold folks, too. And I would ask him in that office to print off all of the bills he sent you over the last calendar year, because it's probably going to be zero.

Okay. All right. So subsequent to that, let's assume that that person is no longer employed there, which is most likely the scenario. Well, then talk to the current manager there and tell them what happened and tell them what you're going to do and let that manager see. If I'm the manager sitting there and you tell me that, I'm going to the regional

manager who turned this over to collections and go look the doofus that was here before me screwed this lady she's giving us an opportunity to get off light we need to let her go right okay in in the event they don't get a lawyer well okay but the collection guy the guy from the collection company. He's an idiot. They're no longer involved. Bull crap. Bull crap.

That's what they all say. I don't give a crap. The collection agency is an idiot. Just move on. That guy, he sits in a cubicle and calls people that don't pay their bills all day. He's got no power at all. Okay. The company turned this over to collections they did not sell

it they still own the problem they just hired a hitman the hitman's got no ability to do anything but pull the trigger you don't negotiate with the hitman you go to the mob boss and get the hitman called off yeah you're right and all of this sits on some manufactured principle you guys are carrying around that I just want to burst a slow bubble for you. Who cares about your stupid credit? Nobody cares. Don't borrow money.

And whenever you decide to move back out, you're going to need first and last month's rent, so you're going to have to figure out work, you're going to figure out money, and then you're going to pay them and you're going to move on with your life. Yeah. Right, but if I don't have credit how could i do that right you don't need credit you don't need credit that's a it's a myth people buy people rent apartments every day without

credit with first and last month's rent really because everything i've ever tried they wanted to to see my credit really we called 22 apartments the other day around here as a test and found every one of them but two would rent to you and that was over the phone that was just over the phone without even telling me i'm new i'm moving to town i'm moving out my husband and i are separating i've got a job i make first and last month's rent i got no credit and they'll rent to you you know and just go on now corporate idiots like you've been dealing with are the ones that won't. They'll pull a credit bureau on you. But look, you've got to go deal with this.

If you don't deal with it, it's not going to get anything but worse. And so get over there. Why not? It's Christmas time. Go over there this week. Sit down. Go look. If it's the moron that was here before you do, it's not your fault,

but he made a promise and we're going to hold your company to that promise. And if you don't, then we're going to sue you for the health issues and and you know i don't i'm not contacting an attorney yet but i'm leaving here and going to contact one unless you tell me you think you can get this fixed and every email that was sent around this is going to be public record so all those emails that he sent his bosses everything anybody ever said on a text or said on an email is going to be part of the deposition let them know we're going to completely give you an anal exam that's what's going to happen get ready and that that's how that's what lawsuits look like there ain't no fun nobody enjoys the process oh my gosh this is the ramsey

show process. Oh my gosh. This is The Ramsey Show.