The Ramsey Show - App - Learning To Set Boundaries With Family (Hour 1)

Episode Date: December 27, 2023

Девочка-пай 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. The one and only Jade Warshaw, Ramsey personality, is my co-host today. Open phones here at 888-825-5225. You jump in. We will talk about you right in front of you. Kathy is going to start us off today. Kathy is over in Austin, Texas.

Hi, Kathy. How are you? Great. Thank you for taking my call. Sure. What's over in Austin, Texas. Hi, Kathy. How are you? Great. Thank you for taking my call. Sure. What's up? So I've heard you all advise against using credit cards in favor of debit cards or cash. So my question is, why shouldn't my husband and I take advantage of getting credit card points for travel expenses that are required for work but are going to be reimbursed by the employer. So your employer is so poor they require you to advance them for your own travel? No, sir. Well, why do they require you to advance them for your own travel?

You're traveling on behalf of an employer and they're not paying for it in advance? Why are they making you pay for it for them well that's that's the uh established protocol yeah why i don't know we haven't asked them yeah so you're you understand that if they decide not to pay you one month, that those are your credit cards. This is true. And you understand that I'm the guy that's been counseling and coaching people for 35 years, so I'm the guy that had the guy walk in with $11,000 on his Amex that was supposed to be reimbursed, but when he went to the office that day, there was a padlock on the door, and they'd filed Chapter 11.

He got nada. He had $11,000 on his Amex. Amex didn't care if his company had gone broke they wanted their money understandable hmm yeah it's kind of a problem isn't it for him absolutely for you why are you different well we haven't we haven't experienced that same situation that you just i know but you're exposed to that exact same risk. This is true. And all for an airline mile. It's almost impossible to use.

So I think if you're willing to take that risk, I'd be very scared about it. It is standard in corporate America. Somehow corporate America has conned its employee base into taking a loan on their behalf with the promise of repayment and taking the risk for that and acting like it's no big deal. But it's a real deal. I've noticed it many, many times going sideways on people. The other thing people do is they run up stuff on their credit card because they're just not watching. It's not reimbursable.

And so they end up with a reimbursement check that's less than a balance. That's right. Yeah, you could spend something on that credit card and think, oh, I'll get reimbursed for this. But Becky down in accounting might not think so. And so you're on the hook for that. But you got an airline mile. But you got your airline mile.

And when you use a debit card the strangest thing happens you pay more attention because it's like real money so here's the deal kathy couple things number one when you use a credit card you are likely to spend it to spend more than when you use a debit card period tons of research showing that because it it doesn't have the same friction marketers call it in your brain a lot more so your chances of spending more are higher where you're doing it on behalf of an employer hoping for reimbursement your chances of making a mistake are higher obviously you don't think that any of this applies to you, but it does. It does. And so you're just more susceptible to risk and to problems. And then the third thing is this, and I think the most compelling argument is this. I have never met a single millionaire that says, Dave, you know, I made it all on my airline miles.

That was my breakthrough. My financial difference, the difference maker in my financial plan was I took a billion-dollar company that studies consumer behavior in depth, and I was smarter than them. I whipped them. I didn't spend more, and I got airline miles, and I actually used the airline miles. I actually gamed the system and I became a millionaire because of it never met one not in 30 years of doing this well let me take it a step further I know a lot of middle class broke people who think they're gaming the system and are walking strutting around acting like they got something with an airline mile but they really didn't at the end of the day. I'll take it a step further, Dave. I don't like supporting companies that their entire

model for having revenue is built on failure. Failure to pay, failure to pay on time. I don't like that. I like companies that offer a service that really would like to help you and they get revenue from giving you something or helping you do something or giving you a service i i can't support a company where the only way they make money is by people failing to pay failing to pay on time that's that's the the top seller right there i don't like the way they get them in the churn is they offer an airline mile and oh by the way, Consumer Reports says 78% of the airline miles are never redeemed. So I know Kathy's maybe in the 22%, and she may get 100% reimbursement, and she may never overspend, but you are playing with snakes, Kathy.

Look, everybody says, I pay my card off every month, but all I know is this. There's a trillion dollars in credit card debt. So somebody's lying. Yeah, and it's in credit card debt. So somebody's lying. Yeah. And it's up right now. Yeah. Somebody's lying. And I got to tell you, the number of people that we've coached out of credit card debt

over the years that said, you know, it all started because I was trying to get a free airline ticket. And here's the other one. This one's humorous to me. This is not, Kathy didn't bring this up, but we'll just keep on this subject for a minute um the discover points you get you get two you get two points back yeah so you get two percent two percent so here's the deal you spend a hundred dollars to get two dollars now you explain to me how that causes wealth. That you, in order to get $2, you spend $100.

Yeah. What math class did you people go to? The school of the broke. Yeah, I'm telling you. That's the kind of stuff that's out there. And so what I studied and the way we came up with the process that we use here is common sense that grandma had and i studied where companies are being predatory and i stay away from snakes and i studied wealthy people and i find out what wealthy people do yep and yes some wealthy people kathy do have a credit card

and some of them do pay it off every month but none of them claim that that was somehow a financial breakthrough that's right and and you're already spending more mental calories on this than it's worth even if you're getting full redistribution on this so you ask why that's why you spend more you're more likely on a travel expense account to spend money that's not reimbursable because oh i'll get my airline miles back oh i'll buy i'll buy two instead of three i'll buy three instead of two because i get my airline miles back um and uh so you're more likely to spend more you're higher risk when you are loaning this corporate america characters your money hoping they're going to pay you back each month scary Scary stuff. And we have seen the

times that they didn't. You can't just assume. Assuming will get you in trouble. You know what they say about it. Yeah, I've heard. This is the Ramsey Show. Hey, you guys, health insurance costs are only moving one way, and that way isn't down. And if higher costs aren't enough, the wait times to see your doctor are longer, and it's harder than ever to get anything approved through the bureaucracy. So if you feel like the system is working against you, try a biblically-based alternative to health insurance, Christian Healthcare Ministries. CHM is a health cost-sharing ministry that's helped hundreds of thousands of families like yours take care of over $11 billion in medical bills since 1981. And CHM has also helped them stay true to their values

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slash budget. That's chministries.org slash budgets at chministries.org slash budgets. Jade Warshaw, Ramsey Personality is my co-host today. Thank you for joining us, America. Open phones at 888-825-5225. Nikki is in Montgomery, Alabama. Hi, Nikki. Welcome to the Ramsey Show. Hi. Thanks for taking my call. Sure. What's up? Okay. We have just recently found out that my husband's boss is actively trying to sell the company. We're the only ones in the company that know this right now simply because my husband's kind of the financial guy who was going to be the one to gather all that financial information to potential buyers. So we do have a heads up, which is a blessing. The boss has also indicated that we would be getting a severance of about $200,000. Of course, taxes will have to come out of that. My question is, after taxes, how should we manage this knowing we're going into a season likely of no income?

Well, if you know that you're going into a season of likely no income, can you prepare on the front end so that you don't have a season of likely no income? Well, with him being the financial person of the company, we just kind of feel like it's the right thing to do to stay until the last day. I'm not suggesting not staying necessarily. But why not go ahead and have a job lined up that after the last day you start the next day? Well, we have started looking um we just we don't know if this will be in 60 days or six months we're just not sure yet um on that we're in a very early stage you can get some leads in the pipeline that you tighten up as you do know right Right, and we're working on that. He's already had a few interviews. Nothing real substantial yet, but he has had a few interviews.

That's great. So he's the CFO. Right, he is. And how large a company? I'm not real sure. Just in our discussions with these brokers who are kind of, I guess, the middleman on trying to get this sale completed, we're in the very beginnings of it.

But these brokers have indicated this would be tens of millions of dollars. Yeah, okay. So they've got how many employees? My guess is probably 250 to 300. So you think he'll fire all of them? I don't know. We don't really know how that's all going to shake out. Okay, all right.

Well, in order for me to stay, if I'm your husband, you're going to have to sit down with his boss tomorrow and just say, you know, I'm willing to stay with you and help you complete this transaction like we've been talking about. But my only requirement is that you put the severance package in writing in order to do that, and that you keep an open line of communication with me so that I have good timing issues,

so I can line up my next thing to line up with this. If you surprise me, since you're not telling anybody else, and you decide you're not going to tell me something, and I get surprised, i'm going to leave you with this my obligate i totally agree with that i mean your husband's obligation to him goes away if he's not willing to a put the severance in writing b put an promise to an open line and perform to an open line of continuous communication about timing and probability and whatever.

We're not asking for any of the 10 million. We're not asking for any of that. That's not yours. That's his. He owns it. But he does owe you if you're going to if your husband's going to stick with him. He does owe him communication and the severance in writing. Otherwise, I'm going to go and leave now.

Yeah, because where's the negative side of his boss doing that for him i mean i can't think there's no downside if he's really gonna do it all right okay but this guy is secretive and doesn't want to tell anybody and um you know i you don't need to blow off all your customers and all your employees. I agree with that. But he's really, really holding this close. I mean, the phrase that scared me, Nikki, is when you said the only reason we found out was because he needed my husband's help, meaning that this guy really isn't discussing this with his senior leadership team, and he really owes them a discussion. Right. leadership team and he really owes them a discussion right that that's how i'm interpreting

that is that he needed he needed my husband yeah otherwise you would have known nothing yeah otherwise you would know nothing yeah so the other senior people are going to be hung out hot and dry that's what you're telling me wow and so that scares me dealing with this guy this guy's he's hardcore so i'm going to be a little hardcore back and just go, you're going to communicate with me, and you're going to put the severance package in writing. And then you can keep working the interviews and line up something where you start the next day, and the $200,000 severance package actually becomes a signing bonus then. Right.

It's an extra money. Now, should we get this $200,000, of course, less taxes? How do you think we should manage that? If you have a new job that's equal, you just throw it on the baby steps wherever you are. Okay. Well, basically, we're debt-free. We have just a tiny mortgage, like $40,000 on our mortgage. Okay.

Would you say, hang on to that? If you have the new job, I'd pay off the mortgage the day you say hang on to that or i would if you have the new job i'd pay off the mortgage of the day you got the severance okay but if you don't then i'm going to hold on to cash like crazy until we land the new job and then i'm going to pay off the mortgage and and do some investing and some generosity and some enjoyment after going through the stress of this he may want to go you guys may want to go on a really nice high-end cruise for two weeks. And you should. Oh, yeah.

That sounds great. Can I go, too? That's great. I'm not talking about the Walmart on the seas. I'm talking about the good stuff, okay? The good stuff, yes. Sounds good to me. Hey, thanks for calling in, Nikki.

Good stuff. Hunter is in Houston, Texas. Hey, Hunter, what's up? Hey, Dave and Jade, how are y'all doing? Better than we deserve, sir. How can we help? I am 26 years old, exploring a company change in the residential construction field. It would be good for the debt paying off, but I'm not sure if it's a great move for the career.

Why would it be a bad move for the career? The current company I work for is a high-end custom construction residential homes, totally $63,000 take-home. I have no benefit except the gas card that pays me $6,000 annually. I just received a 5% raise last week after 10 months of the company, but I'm still underpaid for my industry. Due to this, I've picked up a side hustle, giving me an extra $8,500 annually. All in,

I'm about $7,700. What's the new guy offering? The new guy is a Fortune 500 company, offering $90,000 to $95,000 base, plus a bonus. And that's not a good career move. Why? It's not a good... My gut Why? It's not a good, I,

I, my gut tells me, uh, sir, I'm, I'm building three custom homes totaling out to $11 million. And, something tells me if I'm busting my butt in front of,

uh, people that can afford this kind of stuff, when it's my turn to, uh, start my own company, I might just land in the right, right, right network.

Nah, you don't think so no you're 26 yes sir nobody's hiring you to build an eight million dollar house you're right sorry i don't mean to be mean but that's okay i'm just being truthful um i like you. I think you're a sharp guy. But, you know, I'm thinking, you know, in five years maybe, but in five years you've lost $200,000 of income not working for these other folks. Correct. Correct. And you stated to me that even after a 5% raise, you're still underpaid by the industry. It's disturbing.

Why would they do that? Yes, sir. There's something bothering you about your current company because of the statement they're making by underpaying, and it feels like you know they know they're underpaying. Is that right? Yes, sir. If there's other reasons to not change, maybe.

But I think I'd go ahead and take the other gig. You got plenty of time to become a custom builder, and you'll build up your own network. But working for free or cheap, and somebody taking advantage of you is what you're talking about. That doesn't sound appealing to me. No, I'm walking. This is The Ramsey Show. Jade Walsh, our Ramsey personality, is my co-host today. We have people who tune in to every episode of The Ramsey Show.

They can answer all the questions, and they're still stressed out and stuck. Why? Because knowing what to do with your money isn't the problem. You have to actually do it. Personal finance is 80% behavior. It's only 20% head knowledge. I know I'm not supposed to eat donuts, but if I eat them anyway, the knowing doesn't doesn't matter see it's the behavior change that gives you the results and the proven way to get this is with financial peace university it's no help with the donuts but it'll help with the budget and the getting out of debt i promise you the class is the difference between trying to get in shape and just thinking about it and reading books about it or actually getting a personal trainer and an appointment at the gym to do the work. That's why this class has worked for 10 million people. And after nine weeks and nine lessons and being with this superhero called a coordinator

that will love you enough to tell you the truth and encourage you, you'll make progress faster than you ever have in your life. And I know you think you already know it all. You do, but you're not doing it. Common sense has always been around, but I still helped 10 million people implement the common sense with Financial Peace University. I can get all the Ramsey stuff in a book. Yeah, you sure can. You can, but I can promise you the people that go through financial peace university have a much higher probability of becoming millionaires than those that buy a

book and put it on their coffee table and use it as a coaster. And that's what happens a lot. So don't just listen to the show and say, I already don't go. You got to go do this stuff jump into financial peace university ramsey solutions.com slash fpu ramsey solutions.com slash fpu hey if you're enjoying this show and you want to help us out follow us subscribe click the follow button the subscribe button click the share button share the show share a link of the

show the podcast, the YouTube. Tell people where you're watching us on TBN and what time or your local radio station. Wherever you're consuming this show, let people know about it, and that helps all of us. And since you are our marketing plan, we need your help. Thank you very much. Todd is with us. Todd is in Miami. Hi, Todd.

Welcome to the Ramsey Show. Hello, Dave. Thank you for taking my call. Sure. What's up? I have a problem with parents saying no to parents. I did your course. I did it back in 2016.

It was hard. One of the worst things I went to, I didn't even know I was in debt. So I want to thank you for that. Sure. I built up a nice little cushion. Bought me some income properties. Did everything. Cooked in the crock pot.

Did everything I was supposed to do. You know, uh, and then my mother's husband passed no life insurance, knowing that they were together together for 30 years. Now she's in my hands cause my, my, you know, other siblings can't take, can't do anything.

So she wants a nice condo. I get it. I'm, I have a real estate license also. So it was kind of easy, but it wasn't easy because you have to put 20% down. There's a 30. Who has to put 20% down? You?

We did. Yes, we did. Well, I bought it for her, but I put my name on the T. Okay, so you bought a condo for your mom to live in. Why? Why couldn't she live in her own? She didn't. That's what she wanted. How old are you?

52. That's what she wanted. Oh, yeah. Well, I don't care what she wants. And why are you saying it like, if she says it, that's what it is. You're 52 years old. Yeah. How old is mom 75 in good health yeah and she has absolutely no money i you know when he passed i said okay well this is good i mean they lived well and i thought

automatically you had some kind of i was i just the way they were going and the Christenship I thought that was already taken care of. Does she have any money? Well, she has two pensions and Social Security but it's not enough to cover the expenses. They just went up on HOA fees over there. And we had to put six months in reserve, so that's like $6,000.

And I want my kitchen done, and I want the... Wait, that's your mom talking? Yeah. I bought the book. I just told your producer, the guy, I said, I read the book two times, and I'm struggling. I said no yesterday. I just told your producer, the guy. I read the book two times.

I'm struggling. I said no yesterday. Which book? Boundaries. Oh, yeah. Okay. Yeah, so the answer is no to all of these things. You got to start learning how to say no.

Yeah. So I'm not getting any phone calls or anything. I don't care. How much is the condo payment? It was a, the condo. Payment, the monthly payment. 972. Okay, and she's supposed to be paying that.

Right. And she has two pensions and Social Security, so she can pay a $900 payment. Right. Good. Okay. And the HO, but there's no but. I know. The only but is mom. I know I'm going to get a whipping for this one.

I want to know, you doing this for your mom, what's the implication financially for you? Well, my kitchen is going down substantially. I wanted to buy some more income properties because I want to retire. I work in construction and I don't want to be, you know, I'm doing things to change my whole career. What's your net

worth, Todd? My net worth gets to two properties. I have about $200,000 equity. One, at about now, $50,000 of savings. I have a small pension from a couple of government jobs I have. What do you make a year?

About $125,000. You do not have the money to help your mother any further. I know. Not like this. You don't have enough money. You your mother any further. I know. I know. Not like this. You don't have enough money. You didn't call me up with a $10 million net worth. If it was chump change and you wanted to go fix the kitchen, fine.

But she's basically completely out of control emotionally. And I don't know where you got or she got the idea that you're obligated to give her a condo and fix the kitchen and and and and and now when people don't respect boundaries and kenry cloud talks about in the book boundaries and then you set a boundary please don't expect them to accept it graciously so i suspect her little spoiled self's pretty pissed off at you yes very yeah so oh well oh well i know that's right i'm sorry i'm back on when you said and she want she said she needs a nice you know is almost making these demands on you have you said to her mom i i you know i'm doing the best i can with my money i i want to help you get set up i got you into a a condo. You can afford it. And if you

can't live with that, then I guess you'll need to move and I'll sell the condo. But I'm willing to let you live here. I've already done this much and I just can't do any more. I can't. No, you really can't. You don't have any money. You don't have enough money.

No, not at this age. And I was doing well. Not any age. I mean, you don't have enough money no and that is not a good thing and i was doing well any age i mean you don't have enough money it's a math thing and so you you don't make six hundred thousand dollars a year and have ten million dollars it's not that's not your numbers so and you you you know the reason you called her is you know she's weird and out of control right i know yeah i mean she's your mom i'm sorry to say that but i mean that what she's doing is whacked so you just gotta smile and go nah done all i can do sorry mom love you but not do anymore my love does not my love for you does not indicate that i have to be out of control, nor am I at an age or a net

worth where I take orders from people. Are you the only kid, Todd? No, but I'm the go-to. You're the golden child. For the whole family. I've said no like three times this year, and I don't get any more phone calls. That's all right. You know what?

Keep saying no. It's good practice. Yeah, you just got to build your muscle, and she'll figure it out eventually. She'll understand that no actually means no. It's a complete sentence. Sad. I'm sorry, honey. It is.

It's hard when it's your mom, but she's being whack, dude. Yeah, she's out of control. It's whack. This is The Ramsey Show. Jade Warshaw, Ramsey Personality, is my co-host today. Thank you for joining us, America. We're talking about your life and your money. It is a free call, 888-825-5225.

Stephen is in New Orleans. Hi, Stephen. How can we help? Yes, my wife and I are navigating a family tragedy and have recently gotten a reasonable check to deal with as well, and I was hoping to get an outside opinion on what we should do with it. Okay. Tell us what's going on. The check is from a two-year battle over a homeowner's insurance claim. A couple of large hurricanes came through Louisiana and damaged our home.

And it's a $70,000 check. We have very little debt. And two months ago, our five-year-old son died. And it's difficult to know what to do. It's difficult to breathe. It's nearly impossible. Yeah. What happened to your son, huh?

My son was born with a series of heart defects. He had to have an open-heart surgery when he was five months old and had to have a second one last October that we knew was coming. And it was supposed to last for, we were hoping for decades. But unfortunately, after the surgery, his heart function took a dive. And we got him on the heart transplant list. But he didn't make it that long. I'm so sorry. Wow. Yeah, he fought a long time, didn't he?

Wow. He was in the ICU for five months, and, yeah, he won a hell of a fight. What was his name? Cain, Edward Cochran. James? No, Cain. Cain, okay okay Cain okay wow Stephen I'm so sorry um so I can't even imagine you know I can't breathe and it's and I and I just met you a minute ago I can't even imagine being in your own situation um what i tell folks to do and

this is from decades of doing this is anytime you're in a situation where there's um a tragedy the loss of a loved one primarily try not to make any big decisions while you can't breathe and um you'll you will uh your memories will always be there and the pain will always be there but your mind will clear over the coming months the fog will start to lift and right now you're just walking along and you see something or you hear something and it activates and a wave hits you right now. Is that right? That's exactly right. Yeah. That'll happen less and less and less,

and it's not because you're going to forget him. We don't want anybody to do that. It's just because you're managing through the grief process. But no one is thinking, no one. If Dr. John Deloney has two PhDs and one of them is in counseling, were he facing this, he would not be thinking clearly. It takes the best of minds and brains and puts a fog on them to go through what you all are going through. So we always tell folks, if you can, try doing nothing that is a big money expense so for instance if someone calls and had a lady call the other day had been married 50 years and her husband passed away and she got a six hundred thousand dollar life insurance check and she said what do we do i said well it's been

two weeks you're not doing anything i want you to park this in a high yield savings account and then six months from now when you can start to breathe a little bit better, your mind will be a little bit clearer, or we can talk about it, or even a year from now. And so if you don't need, it sounds like you don't have any debt, you said, except a little bit, and on the house, and I'm sure you guys are zombie mode, robot mode, whatever you call it, going back to work, trying to restart lives. Are going back to work trying to reach you know restart lives and are you back to work or are you still out my well i quit my job uh two

years ago and got back in school and our plan was that i would stay home with him and do school while my wife worked and this has left me I am still not working the prospect of trying to go out and find a job and meet people usually some did some days that sounds okay most days I can't do that. Yeah, I understand. My wife is a little bit different. She still works. She was kind of established at her job, so she finds a little bit of solace going in when she can,

when she wants to. Well, I would be working with someone to help me walk through the grief, and they can help you figure out the timing of plugging back in because there's a positive element to plugging back in. It's not punishment, and it's not disrespectful to your son to go on and have a life. And so you're going to do that, and you're going to do that in reasonable timing, and you're going to do that and you're going to do that in reasonable timing and you're going to do that. But in the meantime, if you guys can make your bills and I guess you can off of your

wife's income, I'm going to just take the 70 K and park it in a CD for six months and just cry for six months and get through the, get through the worst of this. And yeah, get your new, your new reality, the new career saddle and climb into it and you know i i gotta tell you january is gonna look a lot different than june it is it is and again it's not disrespecting your son his memory uh by any stretch of the imagination but um but the best thing you can do is to be healthy and to walk the path to get healthy and uh to part of that's being plugged back in and so if you're working she's working we're working a plan we're looking back into the future again we're not living in a dark cloud in january um or less of a dark cloud then you're

going to be able to make much better decisions. So try not to do anything with big money or big money decisions for six months at least. I like a year, but at least six months. But, you know, I'm so sorry, man. I can't even imagine. But I am going to encourage you to lean into the grieving process and maybe even get somebody to talk to about that. It won't hurt anything at all.

Because as bad as it sucks, the only thing that sucks worse is for you to still be sitting in exactly the same place six months from now. And that's not okay for you. I want you to have a better life than that. But, boy, i can't imagine how sad um i just can't get my head around it hey thanks for the call if we can help further steven you call us anytime we're here for you so there's a uh an element jade that we talk about here all the time for the listener out there to us talking to Steve,

and they're listening in, 20 million plus of them. Anytime you're in a trauma situation, the brain shuts down. Dr. Deloney talks about this. He does. Like, for instance, during COVID, we had had dr deloney on every day telling people okay you're in a weird situation a whole bunch of people are freaking out you remember how nasty people got during covid they were mean man they were scared going off because your brain shuts down all the critical thinking skills when you're in trauma it floods the chemicals over the critic

so if you're standing in the middle of the interstate and you hear, and there's a horn coming at you, and you're like, God, I'm about to die with an 18-wheeler, your brain does not have time to say, well, let's discuss what will happen if the 18-wheeler, which weighs a whole lot more, continues to come at 74 miles an hour and impacts your body of 160 pounds. What will the physics of that be?

Your brain does not have time to do that. So your brain naturally shuts down in a traumatic situation and says, Get out of the way! And your most primitive part kicks in, the lizard brain we call it. And so anytime you're in trauma, you don't make big decisions because your lizard brain is making the decisions. Your critical thinking skills are shut off. So don't make big decisions in those situations.

And we all have different things that cause that to happen to our brain. This is The Ramsey Show. Hey, what's up guys? It's Jade. If you love the show and want a deeper dive on your money journey, we have a weekly newsletter that gives you trending and helpful articles and tips on following the Ramsey way. Just go to ramseysolutions.com today to sign up for our newsletter. Again, that's ramseysolutions.com to sign up for our weekly newsletter.