The Ramsey Show - App - Live Like No One Else So Later You Can Live Like No One Else! (Hour 2)

Episode Date: August 30, 2023

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. Dr. John Deloney is the expert on that. that they love and create actual amazing relationships. Dr. John Deloney is the expert on that. The Dr. John Deloney Show is one of our top shows on the Ramsey Network. He'll help you with relationships, mental health issues,

and all kinds of crazy family stuff. Yeah, and life in general. And he's here to help me as my co-host today. He's the author of the number one bestseller, Own Your Past, Change Your Future, and the brand new book that we have coming out October the 3rd on a Tuesday. I had to verify that earlier. My brain is locked up. Called Building a Non-Anxious Life. And in a world filled with anxiousness, anxiety, building a non-anxious life. How do you keep your cup full to deal with the stuff that comes at us in the world we live in today? That's all coming out.

You can preorder the book right now at RamseySolutions.com. Phone number here to talk is 888-825-5225. That's completely free. Alan's with us in Cleveland, Ohio. Hi, Alan. How are you? I'm doing better than I deserve. It's an honor to speak to my mentor. I'm honored to speak in Cleveland, Ohio. Hi, Alan. How are you? I'm doing better than I deserve. It's an honor to speak to my mentor.

I'm honored to speak with you, sir. How can I help? You know, I've seen countless of your videos and online calculators of how much house you can afford, lease, mortgage, principal, and interest, and whatnot. How much house can you afford if you're paying cash a real quick background of me high school graduate something happened your voice went away what happened to your phone yeah is that better yeah that's much better thank you yeah you sound like you're trying to disguise your voice here for a second all right

okay background you got the money to pay cash how much money you want to pay for a house 500 000 okay what's your net worth 1.6 million that's fine that's cash that's cash i gotta have a 200 000 paid off house now okay i got no problem with that all right here's the way i look at that all right having studied wealthy people for years and you've obviously done very well, okay, the smaller your net worth, the higher the percentage of your net worth your home is going to be. If you have a $500,000 net worth and a $250,000 house, that wouldn't be unusual at all, right? Right. Okay. But if you have a $10 million net worth and a $9 million house, that's weird. Okay.

Agreed? Okay. So the larger your net worth, the smaller the portion of it would go to your home. Okay. My home is a very small percentage of my overall net worth, but I'm blessed. I'm sitting in a building that's worth you know somewhere around 400 million and so if i had a home that was worth you know the 200 million that'd be weird you know it just wouldn't make any sense at all it'd be very strange to live in

by the way but yeah yeah weird house man weird doesn't even touch that but yeah but anyway the uh you see what i'm saying so but yours is about a third of your very successful $1.6 million net worth. Congratulations. That's not out of hand. If you told me 1.3, I'd be freaking out a little bit. Do you see what I'm saying? Well, my current house is worth $200,000. I know.

So I'm actually going to be, you know, I'll still have the 1.2 roughly. Yeah. Yeah, but are you going to keep the current house? Ooh. No. Okay. have the 1.2 roughly yeah yeah but are you going to keep the current house oh no okay so you're still the portion of your personal residence is 500 000 am i right if i buy the 500 000 house yeah and you pay cash for it it'll cost me three right now sell this for two yeah but your net worth stays the same you You just shifted it around. Yes, correct. Yeah, it's just the percentage of your net worth that goes to your home went up from, I don't know,

250 as a percentage of 1.6 to 500 as a percentage of 1.6, which is roughly one-third, right? And so that's okay. That doesn't bother me a bit. But if you told me 1.5 of my 1.6 is going to be in my house, I would say tell your wife no. No, I am retired. I am retired on a $74,000 a year income. Okay.

Doesn't matter. Doesn't matter. Because this is a net worth thing. You can afford the house. Why don't you want to buy it you know yeah i'm i've been living the dave ramsey life a long time worked very very hard for my money i'm 68 years old uh live like no one else what's the wait a minute the dave ramsey life has the rest of that sentence what's the rest of that sentence you live like no one else so that

you can live and give like no one else late in life and why not this is the part where you get to enjoy the fact that you've done a really good job and you're reasonably wisely enjoying it and you should you know i guess in this case you're a little scared it's such a big i'm in a two hundred thousand dollar house now you get a little scared it It's such a big, I'm in a $200,000 house now. You get a little scared. It's a bigger home. It's more maintenance.

It is. It is, but it's not going to break you. I'll never run out of money. What it is more than anything else is it's emotional because it feels weird because your brain is completely comfortable with $250,000, and you're doubling what your brain's comfortable with. And I think you have identified those people buy $500,000 houses. Guys like me don't do that.

Exactly. I don't buy it. I waited until I had $1.5 million before I bought a two-big Max once ago. I won with a coupon. Hey, what did you do for a living, Alan, when you were in your career? Eating air conditioning. Eating air conditioning. Good man. I had a lot of work for a coupon. Hey, what did you do for a living, Alan, when you were in your career? Eating air conditioning. Eating air conditioning. Good man.

I had a lot of work for a contractor. And how much of this $1.6 million did you inherit? I inherited an $85,000 house. How long ago? Oh, 1991. Okay. So that did help. Yeah, that's good.

Wow. You're very impressive very very well done your classic baby steps millionaire very well done i'm going to send you a copy of that book i want you to read it i think you'll enjoy it because it's about you he's also classic hey dude i'm just an hvac guy i don't live in that guys like us don't live over in that neighborhood and it's a tough transition to realize and you know know what? That's one of the reasons I put that saying out there, live like no one else so that later you can live and give like no one else. Because we don't want you to be tightwads for the purpose of being a tightwad.

We don't want you to be careful with your budgeting just for the purpose of being careful. We want you so that you get to have a wonderful life, so that you change your family tree, so that you can be outrageously generous and find a uh you know a widow that you and i took the call on the air the other day and a everyday millionaire a baby steps millionaire heard the call and called paid caught up her house okay and then a while and it was five thousand bucks and he's wrote checking think about it so but you don't have to think about that when you've got 1.6. And that's the reason.

But then if you start to say, I'm going to play small ball just for the purpose of playing small ball. No, I'm going to play small ball so I never have to again. I'm going to drive a piece of crap car so I never have to again. The car I drove over here today ain't a piece of crap, but I have driven some crap. Okay? But I drove like no one else, so now, by God, I drive whatever I want. I drive like no one else so now by god i drive whatever i want to drive like no one else you know and you know some of these leftists don't like that oh well toughies you know i ain't plugging it in either i'll just tell you that

so you know it's just you see what i'm saying live like no one else so later you can live like no one else that's right that's right they and give like there's a reason for this you got to play it you got to alan i'm so proud of you, man. Congratulations. You're awesome. Yeah. I want you to learn to flex the muscle to enjoy some of this money more than you have been. It's time.

It's your time. And I want you to be outrageously generous too, dude. This is The Ramsey Show. Dr. John Deloney, Ramsey Personality, is my co-host today. Open phones at 888-825-5225. Hey, we want you to go to ramsaysolutions.com slash events and sign up. He is doing a launch party for his book, non-anxious building a non-anxious life. Go to Ramsey solutions.com slash events. It is $35,

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We'd still like to have you. We only do a couple of those a year. Mark is with us in Springfield, Missouri. Hey, Mark, welcome to the Ramsey Show. Hello, Mr. Ramsey and Dr. Galoni. I was just calling to ask you guys. I own, it's my job, but I own a business, but I only employ me. And, um, I'm trying to figure out I'm in the middle of my, uh, the baby steps all like a quarter of the way into it. Um, I've got

40,000 of 120,000 paid off. And I was wondering with the business income, should that be put into the business first? Like once I get my tax account full, then should I build up an emergency fund for the business or should I focus that on the baby steps? What do you do? I'm a pooper scooper. Okay. And what are you do? I'm a pooper scooper. Okay. And what are you making? With combined household income with my wife and I. No, no, no, on the business, on the business.

Oh, just the business? It's about $100,000. Okay. And God. We just stopped right there for a second. First thing that ran through my mind is that's a lot of poop. Okay. Which is one of the the internal slogans

about this show but listen listen if you are listening to this show and you say i can't get ahead and i can't figure it out there's no jobs mark is making 100k as a pooper scooper so let's just keep that out picking up the dog pretty stinking good okay all right mark uh all the all the puns aside you've done them all, so you've been doing this a while. Oh, yeah. All right. So that's amazing. I'm so proud of you.

I have no idea. But okay, so now it's just you and you have like a route, I assume. You go to certain locations and people pay you to come to their location, correct? Yes. Okay, cool. And how often do they pay you uh i some some people pay me weekly some people pay me monthly so it's just okay all right that's fine and um do you have a separate business account yes and all the money that they pay you goes

into that account never goes direct to your personal account, correct? Correct. Great first move. When you pull money out of the business account to bring some home, you should always set aside one-fourth for taxes. You alluded to that. It sounds like you've heard me tell you to do this before. Oh, I've listened to your show for quite a while. Okay, so you're setting aside a fourth when you take it home. You take $1,000 out of the account 250 for taxes put 750 in your personal account correct yes okay good that's a good plan and you said household income so your wife is working what does she make uh so she makes i think 50 and then i've

got military retirement and we're foster parents so we we get a stipend for that. And that's how much? So total we get about $170 a year. So another $20 in military retirement and foster stipend? Yes. Okay, cool. All right, good. And what are the expenses of running this type of business? Fuel, I assume, to go to the locations? Yeah, there's fuel advertising uh when trash bags yeah and for breeze once in a

while i have to replace a raker uh bucket yeah but it's not much yeah so no so out of the hundred um i mean your your expenses are 10 grand maybe right yeah probably somewhere around there maybe maybe 15 yeah okay so the vast majority of this comes home yes why would you need a business emergency fund at this stage uh for replacing parts on the vehicle or you know stuff like that yeah okay do you have a separate work vehicle from your home vehicle yes okay so there's like a truck involved or something yeah minivan but yeah okay all right cool all right uh this is so great um mark i gotta tell you you've made my entire week this is so just thinking about you cruising Springfield in a minivan, just getting out with a shovel and some headphones on, making $100,000 a year.

It restores my faith in humanity. It's just America, America. All right, so you couldn't do that if it was Russia, I'll just say. All right, so the – There's no Great Danes in Russia. Yeah, that's it. So, all right, I don't think you no great danes in russia yeah that's it so all right um i don't think you need much of an emergency fund right now i think i would take most of this home

of the 85 000 home uh or or let's just call it all right let's put something in a in the retire so what we would do in entree leadership is we would say take your net profit which is 85 cents on the dollar okay so if we make ten thousand dollars this month we're going to take 8500 and call that net profit all right and we would apply a formula to that and say x percentage goes home and the rest goes into an emergency fund okay a retained earnings fund in your case i think 10 would be more than adequate and then take the rest home into the retained earnings so my little formula you make you make ten thousand dollars this month it's a big month it's a good month you have eighty five hundred dollar we're going to call that profit or you know or let's call it eight thousand dollar

profit we're going to leave the rest of it in there for expenses. That's one thing. And then we're going to set us at 10% of that $8,000. So $800 goes in another account for retained earnings, and we're going to take $7,200 home. I just made a formula up, but you can do something like that to where you take the most of this home and you leave a little bit in the business and you cover expenses and the actual expenses in the business that month.

Okay. And does it change any if I were to hire somebody? Like I would have to set up a fund for that in case I don't have the money to cover a paycheck or something, correct? At that scale, they should be getting paid off the job, not off the paycheck, right? Yeah. And you're not going to hire them to make enough

that it's going to impact you that much. Anyway, you shouldn't on the business side. So, yeah. And you would increase your income associated with them. So, no, I mean, maybe a little bit, but it wouldn't change substantially. Until you get this last $80,000 at home paid off, I want to take most of this money home other than tax money and business expenses.

Okay, gotcha. All right, I appreciate your help. Not all of it, but most of it. And, man, a guy like that, it's like he's heard all the jokes over and over, all the bad 13-year-olds. He laughs all the way to the bank. Yeah, and it's just, you know, I can't imagine what the decal on his, the wrap on his van says, right?

Or when all of his military buddies get together and they just go around the bar. I mean, there's some great, these guys that do Pooper Scooper, they got great names out there that are hilarious. I mean, there's some great, these guys that do pooper scooper, they got great names out there that are hilarious. I mean, there's some fabulous names. I remember a teacher during COVID who paid off like $100,000 because she was teaching and she was driving and delivering. And I remember thinking, she's one of those curvebusters that takes everybody's excuses away.

Mark goes into that camp. $100,000 collecting dog cha-cha down his neighborhood. That a boy, man. Wow. There's no more excuses away. Mark goes into that camp. $100,000 collecting dog cha-cha down his neighborhood. That a boy, man. There's no more excuses left. Gotta love it. Serious mic drop. This is The Ramsey Show. Hey, you guys. Health insurance costs are only moving one way,

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That's chministries.org slash budgets. That's chministries.org slash budgets. Brittany is in Atlanta. Dr. John Deloney, Ramsey personality, is my co-host. Hi, Brittany. Welcome to The Ramsey Show. Hi, how are you? Better than I deserve. What's up? Me and my husband were wanting to call in. We obviously have debt.

We have a mortgage and some other things like an SBA loan for the business, equipment loans. But we recently had a baby in July, and he was born with most of his, he has like 1% of his small intestine left, which leads him to be life dependent on TPN, IV nutrition. He'll eventually long-term need a transplant for his small intestine for sure. We don't know about the other organs, but our question is, do we stop saving? We have an emergency fund. Do we stop paying off our debt and stockpile for what's to come. We know that it's going to be very expensive, but we're not sure to what extent, like, Medicaid insurance will help cover. So we were just kind of wanting your advice on that.

What do we do for long term? Because for the transport, we'll have to relocate, things like that. So it's going to be very expensive. How are you doing? I'm okay. That's a pretty rough thing. how many babies have you got we have two boys and my other baby i had early but nothing was wrong with him but with benjamin it was kind of a shock to us um that it was that it was so so much was dead um but he's he's had two surgeries so far and they both both went well. He has a central line.

He'll have food through like a bag, IV nutrition, until he can get a transplant, which could be as little as one or up to teenage years. The older they are, the better the success. Okay. Yes, sir. All right. So the only debts you have left are SBA and mortgage.

The loan, I can tell you exactly what we have. $188,000 is on our mortgage. We have $15,000 on car payments and work equipment. And then we have the SBA loan that was 50 000 um so all together we have about what's your household income he brings in about 50k a year but he has two to three thousand that's retained savings retained earnings but he keeps that held back but about a year it's about 50k or so and i stay home with the boys okay all right um well the the baby's one month old right a little over yes sir um so it's going to be some years but we just want to know like should we

only pay so much towards that or kind of stop or just do like the biggest things first yeah will be your advice number one we take care of benjamin before we do anything before we worry about anything okay now now we've got to define then what and you've been helping me define that teaching me for the last few minutes what take care of benjamin means okay it could mean you don't need and it does mean you don't need any money for a year okay right because you said he would be one year at the earliest before they possibly did this, correct? Yes, sir. They have to tell us children with short growth have to be at least a year. And it depends on how, like, some kids do really well with IV nutrition.

You know, they can go a long time with that. But I'm saying that the earliest is one year unless other complications pop up and you would need money for those. Yes, sir. The complications come from a central line risk of infection but we're one whole month into this yes sir yes sir he's already had his second surgery he shouldn't have any more unless problems arise right now it's just getting him to grow learning how to take care of him bringing him bringing him home and when he comes

home he'll have home nurses for as long as he needs to care. But in our minds, we were like, wow, this is going to be something that, you know, we're going to need at least, from what we read, it's over like $200,000, things like that. Who's paying for the nurses? Right now, of course, when they're born, they have their, um, the Medicaid or the peach state. So he's on that in the hospital that will cover for his first year. Um, there was a mention that because he had so much of a resection that he could possibly

qualify for social security, um, disability for, if you have more than 50%, you qualify for that. Um, but we're just, we're really not sure what it's going to, what does your husband do for a living? He does landscaping and hardscaping. Okay. Because as I'm hearing, it almost sounds disassociative how you're able to talk in the way you are right now. It's almost like you're the doc, not the mom.

Yeah, like you've created a space because you had to. And I'm not with you. Maybe you're just so much tougher than me. I mean. Yeah, like you've created a space because you had to. And I'm not with you. Maybe you're just so much tougher than me. I mean, just be. Yeah, it breaks my heart. But I also feel like I have to somewhat be, I have to make sure that I'm learning everything and trying to retain everything. Got that. I have to put a short part of it for how I'm feeling maybe.

I got that. That's fair. I need you to make sure, yeah, you're a mom in a crisis, and you're making sure stuff gets done, and that's noble. I want you to make sure you've got one or two girlfriends that you can just go have coffee with once a week and just tell the truth to, okay? He's not on the phone,

but if I was to talk to a husband in this situation and he had called me, I would tell him, I know you love what you do, but you're going to have to a husband in this situation he had called me i would tell him i know you love what you do but you're gonna have to find a way to earn some more money and you have to stop taking out fifty thousand dollar loans for a fifty thousand dollar job on your on your small business you have to figure something else out and it may be going to work for the man for somebody and maybe getting two jobs working for other people but he needs to make some more money y'all got y'all just seeing your future staring you down and choosing to ignore that reality that this is coming um is gonna and hoping that you know qualify for this maybe get this that's that's a tough road to hoe and he's gonna have to make some hard choices about yeah

i need to go do something else okay yes sir oh and or add something to the equation as if he wasn't already working hard because he is yeah he's we're not saying he's a bad guy that's not no i think he's a great guy i just think question but i think reality changed everybody's direction 47 000 is going to make this really tough to make it really tough the math is really hard on that so in the meantime while he's considering that and we're doing anything we can do to get some extra income into this house to add to this equation i would do nothing on the debt i would just pile up cash let's do that until uh until after the first of the year and let's get let's get benjamin's-month birthday anyway

and have a little bit of a track record on all of these different medical variables that are moving in different directions at all times. And if things are still progressing exactly like you currently think they're going to by January and you had, you know, some money saved up, you may want to start talking about paying off the car and paying off the little debt. The SBA and the house, I'm not worried about. They can just sit there as long as you pay the minimums on them until we get Benjamin squared away.

But I'd love, as you're fighting for him with your wallet, I'd love to not have the car and the equipment loan. You see what I'm saying? Yes, sir. But I don't want to do that today. Today, i just want you to have some money just stack some cash because benjamin needs um some margin some money margin between uh him and whatever he's facing yes sir because they say with the transplant that there's only so many few places that do it in the world and most of the locations are far from us so we'd have to relocate that means you know paying to

stay somewhere else things like that yeah if you haven't done this already go get yourself a binder and maybe spend a couple extra bucks and get a nice one and get some dividers and begin to keep all of this in a centralized place but and particularly the questions you don't have answers to yet, where are those three places? What are some real estate things you can look at? Because you're going to pop your head up in the middle of the night and not be able to sleep. And you'll be able to, oh, I've already got those questions written down. I can just go in order. And it's a way of keeping this chaos, control what I can control. I'm going to keep it right here in this binder. And every time I have a question about how much does formula cost,

this IV stuff cost, how much does this cost? How long does the I'm going to keep it right here in this binder. And every time I have a question about how much does formula cost, does IV stuff cost? How much does this cost? How long does the nurse is going to keep coming? When does Medicaid cut off? I'm going to write all those things down. I'm going to make it my day job. And in addition to taking care of these boys, getting some answers to these things and keeping it all in one centralized place. And Brittany, you call us here anytime you got a question. We want to help. We got you. We want to help. We understand.

And we'll be praying for Mr. Benjamin. This is The Ramsey Show. Dr. John Deloney, Ramsey Personality, is my co-host. Open phones at 888-825-5225. Thank you for joining us. Evan is in Lexington, Kentucky. Hi, Evan. Welcome to the Ramsey Show.

Hey, Dave. Good to talk to you. Good to talk to you. How can I help? So some context about our situation. I'm a medical student. My wife is an enrollment counselor at a university. She brings in $37,000.

She does that, but she's got four bachelor's degrees. They're all in different areas of Christian ministry. And so we just got signed up on every dollar and all that stuff. But we're trying to figure out, even with living well below our means, we're still kind of going a little bit above our budget. So we're trying to figure out, should she seek a higher-paying job? Should I do the terrible thing of taking out a little bit more student loans? Or what do you think?

You're suggesting taking out student loans to live on? Yeah, because I'm not able to work during school. It's by far not the primary thing we want to do yeah yeah so that's not even on the table that's just straight up dumb um she's got four bachelor's degrees why is she not making more money um honestly we live in a low-income area uh they're in Christian ministry and people don't want to pay, and she kind of has to work from home right now because she's been dealing with some chronic pain. How old is she? She's 23.

What kind of chronic pain does a 23-year-old have? Man, that's a good question. We've seen every kind of doctor, and they're still trying to figure that out. We're paying on a $3,000 MRI that insurance wouldn't cover and all that stuff. So she doesn't really know. She's in physical therapy, but beyond that, they haven't really told us anything. And how did she manage four different bachelor's degrees in the same place yeah so a lot of the degrees had overlaps with the courses so she was able to take a lot of different like kind of spend out spend about four and a half years and she got them all knocked out together so i'm just gonna say this i don't want to project my world onto hers but as a guy who couldn't quit going to school, it was a harsh stop in front of the mirror that finally said, what are you running from and what are you trying to chase? Right?

Because I got a whole bunch of degrees, too. And it looks cool on paper, but actually the dark secret behind it was I was running and running and running, trying to prove to everybody that I had some sort of value. But she's not in school. No, she's out. But that same attitude goes into your professional world. It goes into your I can't do this kind of thing. There's a lot going on here. Is that right?

Yeah. She honestly, she wasn't a Christian, and she got saved, and she wanted to go learn about God in college. So she just took all the Christian classes she could. She really didn't go because she was actually looking for a job. So what are her four degrees? What are they in? They're in Christian studies, which is like scholarship and text criticism

about the Bible, then youth family ministry, then like family ministry in general, and then just a missions degree as well. Okay. All right. There are some sizable churches in the Lexington and Louisville markets that could use an administrative person that has this level of knowledge, and it's worth double, $37,000. Mm-hmm. Okay. and it's worth double $37,000. So here's the thing that can happen in an arc like you're with, and I've been functioning in the Christian community for 40 years now,

and sometimes what can happen is that we say that in our minds, somewhere deep down inside, in order to serve God, we have to make no money. Right. And that is not in the Bible. And in order for it to be holy, I have to take the skill set that I have and make half of what I can make somewhere else by working at a nonprofit, and then I get to call it holy, or working at a ministry, and then I get to call it holy. The holy work is when you are doing something as unto the Lord. Do your work, Colossians 3.22, as unto God, heartily as unto God. When you do it with excellence and your work, your service to your employer,

your excellence is your ministry, is your worship, not necessarily exactly what is happening inside the building that you work at. Now, we're blessed at Ramsey in that we get to do actual ministry and in a for-profit setting and pay people more than market rate to work here, the most excellent people on the planet. And so, you know, we've got the whole enchilada, but we had to work through that emotionally and spiritually to make that okay before we could go do it. So I don't know if she's struggling with, and I don't know how this impacts the medical situation

or if the medical situation impacts this, which one's the tail and which one's the dog. But this idea that because I met Jesus and radically got saved and I went and studied a bunch of Christian stuff, I am doing my best for God by making no money while we're talking about taking out a student loan while you're studying medicine is just not, that is not a true statement. So yes, she should go make more money. And yes, if she has to go to an office to do that, and if she can handle the pain of

doing that physically, she should go to an office and go make $70,000 or $80,000. She should do that for her regardless of your medical career. Right. And you can also get degrees in theology and go work at a marketing agency or at a police station you can work all over the place with those degrees as well you're not limited to just doing ministry stuff okay because she's willing to step out of the mold to do that she had considered she's going to start a master's in counseling no no she does not need a master's in counseling she's addicted to education yeah she's going to start a master's in counseling no no she does not need

a master's in counseling she's addicted to education yeah she's addicted to pushing reality down the street and you're talking this is the pot talking to the kettle here man there has to be some peace inside her own heart inside her own home and you're not going to find it at the university getting a degree it's not there so going to the marketplace and love people well serve people well somehow go do something, somehow go do something with excellence, go do something with gusto and make a pile of money doing it. Just like you're going to do, like you're going to be a doc and do that as a person of faith, do that with gusto. My doc is a person of faith. I don't, I'd rather not have a doc that's not. And so, you know, you get to do that from medical school

and there's, you know, there's no, there's no rule and so you know you get to do that from medical school and there's you know there's no there's no rule that says you're not allowed to make money in this process um it's just not there it's not there that's a a toxic version of christianity that's gotten woven into too many people's minds and so um yeah we've just got to we got to break that. So I think it's best for – I will put out an idea, and I do not know the nature of her medical condition, and I am not a medical professional. But having done what I do a long time, I will put out an idea that where she ends something where she was making a pile of money and extremely fulfilled,

I would think you might see a reduction in pain and you have great human connection so that's that's it's it's you're exactly right you're exactly right sometimes chronic pain is your body telling you we got to change this environment that's your direction and it's hard and retreating to another degree retreating and working only from home might not be the best it might stir it up yeah might be making it very tough yeah i'm not saying we don't know that but there's a possibility that that's in there right yeah that this sounds like it started there's a pattern developing in this conversation here so uh the happiness is somewhere over there after i cross that finish line in that finish line and i'm going to say this to my colleagues, my former colleagues.

Shame on you guys for accepting somebody through a program, four different bachelor's degrees out of the same department with the same classes, with the same professors, taking more money and more money and more money. I was blessed, Dave, to have a teacher because I tried to do that too in my undergrad. And they said, no, no, you complete this, and then you go on to graduate school if that's what you want to do. But I needed some wisdom there, and this institution sounds like they just kept taking her money and kept taking her money and kept taking her money. And for what? You're going to go to a church and be like, well, you got a degree in Christian studies and you got a degree in Christian ministry, but, man,

you should have got that degree in Christian something or other so you can't work here. That's not how that works. Not how that works. Not how that works at all. Shame on that school. Yeah. Man.

All right. That puts this hour of The Ramsey Show in the books. Dave here. You can find all of our shows with the Ramsey Network app on your smartphone. It's the only place to listen to the entire back catalog of episodes. Download the Ramsey Network app in your favorite app store today.