The Ramsey Show - App - Move On From The Shame Of Financial Mistakes (Hour 2)

Episode Date: March 14, 2024

Live 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. I'm Dave Ramsey, your host, Dr. John Deloney, number one best-selling author, host host, Dr. John Deloney, number one best-selling author, host of The Dr. John Deloney Show on the Ramsey Network, one of the more popular YouTube and podcasts in America today. He's my co-host.

Open phones at 888-825-5225. Jennifer is with us in San Antonio, Texas. Hi, Jennifer. Welcome to The Ramsey Show. Hi. Thanks for speaking with me today sure um i'm really appreciate it as i love you dave but i think my question is probably a little more for john so not to like hurt your ego or anything but i have hey he's got two PhDs. I just have one, and mine isn't. And his ego, trust me, it's doing just fine. Okay, sorry. Sorry, my bad.

I was like, I never thought I'd call Dave Ramsey's show and then not want to, like, totally focus on Dave Ramsey and Papa Dave. You're so sweet. You're awesome. You're sweet. How can we help? I'll be okay. How can John help?

What's up? I'm calling because, so I had a bankruptcy in 2021 and, you know, I'm debt free. And well, I'm debt free after, you know, paying the KGB, I mean, IRS. And then I was one of the very few that had their public service. You know, I worked for the federal government and I was one of the very few that had their public service. You know, I worked for the federal government, and I was one of the very few that had their loans forgiven. I worked for the federal government for 13 years, and I feel like a lot of shame.

I feel shame about the bankruptcy, but then I also feel a lot of shame about the public service forgiveness in a way. Because, like, I mean, I took advantage of the program that was available to me and I like I'm proud of serving the government so long but I guess I feel a little I don't know I tell people not to like count on it all the time and that there's you know all the data shows that very few people are ever going to have it happen to them and don't want them to count on it. You know, I just happened to be in that window where it worked for me. And so it's like I won the lottery, but I'm like ashamed that I won it a little bit. And yeah. So Jennifer, Jennifer, I'm actually going to change direction a little bit. Is that okay?

Okay. Yeah. When it comes to shame, I can talk about it all day long but lucky for you you you have you call the number where there's more than just um academic answers okay i actually think the person you talk to is dave he's been there okay well see i have what do i know the two guys the guy with the phd doesn't know i can talk about it but dave can talk from a lived experience, which is much more valuable. So what caused your bankruptcy? I made good money, but I have a disability, and I was only going to work like two weeks a month.

After my brother died, the disability became so extreme. All these medical issues that had come up so even though i was following the dave ramsey plan like what's the nature of your disability honey uh i have major depressive disorder and um after my brother died i became like suicidal and there was real extreme and so um really extreme. And you had debts that you couldn't pay because of that. Yes, I was making bare minimum payments, and then I went to the bishop to even get help. So for a year, about 18 months,

the bishop and I literally sat down at my church every month, like, how can we dig you out of this hole? But the medical bills were still so high that I still couldn't even though I had this big shovel the medical bills just kept coming and then I couldn't I was really struggling to work over and over hey do me a favor Jennifer you take a real real real deep breath as deep as. Take it super deep. And I want you to hold it for three, two, exhale. There's a lot of people in the world that are giving you a lot of advice and running their mouth and telling you should be doing this. And Dave and I are not going to do that. We're

sitting here with you. Okay. Okay. You don't have to, I can, I can hear you trying to outrun the shame in a circle right on the phone with us. You don't have to do I can hear you trying to outrun the shame in a circle right on the phone with us. You don't have to do that. Okay. Okay? Here's the thing. We're with you. When I filed bankruptcy at 28 years old, the reason for my bankruptcy was I had borrowed too much money.

I had borrowed it in such a way that it allowed the banks to come and take my freaking head off. It was my fault. I don't think a person who has issues with depression becoming depressed after the loss of their brother is something you did wrong. So my actions were shameful. Your actions were not shameful.

Well, I feel like the debt actions were shameful that I put myself in such a bad position. You were vulnerable because of that, but you probably would have made it without bankruptcy if you hadn't been unable to work for a period of time. Yeah, the bishop said that. Actually, when we sat down, I mean, every month he's like, if you weren't so sick now, I think we could help you. Like he was helping me even with rent, you know. But at one point he said, you know, tithing and, you know, because we're stewards of the lord's money you know he's like if this

is a hand up not a hammock he's all but every month i see that you're putting everything you can yeah into pain you know but i think this might be our only okay so let me ask you this um yeah it's obviously the loss of your brother that tragedy is in the rearview mirror. Are you doing things to deal with the depression issues? Yes. So what I did in my case was I did some things to deal with my stupidity. And so I'm not going to make the same mistakes again, and therefore I don't have to sit and be wringing my hands about the shame of the bankruptcy the bankruptcy in my case was caused by me so there was shame it was

shame inducing for sure okay but the way i dealt with it to answer your question was i i said okay how what steps do i have to take to be a different person that causes this to never happen again? If I take those steps, then the things in my rearview mirror, it's just one of the many stupid things I've done in my life that I don't have to do again. Yeah. And Jennifer, can we agree that sometimes you feel things and those feelings aren't true? Yes, that is true. I know that to be true. I know, but listen. Not all the the time but it does come up here's

what you're going to do i want you to keep a journal with you of the things you feel when you feel like you're taking advantage of folks and you feel like you should i want you to write that down and i want you to hold it at arm's length and ask yourself is this true okay and i want you to be objective about it because if you can't be objective take it to your counselor and say is this true because the answer is going to be no but when you have a feeling and you begin to believe that feeling then your body's off to the races yeah zero shame zero for the for the student loan forgiveness no and the shame on the any part you had with irresponsibility you say i'm not doing that anymore any part you had with irresponsibility, you say, I'm not doing that anymore. Any part you had with taking on too much debt, I'm not doing that anymore.

But the depression taking you away from work, I'm not blaming you for that one, kiddo. That one's in your rearview mirror too, though. The beautiful thing about life is the rearview mirror is smaller than the windshield. That's called grace. Walk in that, kiddo. This is The Ramsey Show. Dr. John Deloney, Ramsey Personality, is my co-host today. Ryan is in Chicago.

Hey, Ryan, how are you? Doing good. How about yourself? Better than I deserve. What's up? So I was just calling because I've recently gotten some good news. I'm having a baby on the way. Very, very excited for it. But I just moved back up north. I was living in Louisiana for a while.

And I just got a job up here. I just got a job up here. I just do sales, and she is talking about moving to Louisiana because that's where her family lives. And obviously, you know, I'm not going to. This is weird. What do you mean she's moving to Louisiana and you're in Chicago? Not to Louisiana. It's to Tennessee.

I apologize. Why is she moving and you're not? I don't understand. What's going on? So we're no little longer together. Oh. And yeah, yeah. Lead with that next time, dude.

That's a big part of the story. For a minute, I thought we were a happy little family with a picket fence. Okay. No, not quite yet. Not even. No, not even close. So you hooked up with your ex. She's pregnant.

So who, I mean, your ex-wife or girlfriend? Girlfriend. Girlfriend. How long ago did you break up, in quotes? About a month ago, almost three weeks to a month. We still talk every day. We're on, you know, we're on good terms and all that sort of good stuff, which is what, you know, which is what I want. You know, if we are going to be separated, I'd still want to, you know, be, you know,

and all that good jazz. So I just had a lot of questions as far as moving down to Tennessee. Cause they did, she did ask me, uh, or she was interested in me doing that so I can be closer to them. And I just had a lot of questions about, you know, budgeting with the baby and doing just like this, you know, trying to find a house down there. And how would you, how would you, how would you go through that? I don't, I don't have

very much that I have like $500 on my credit card that, and that's pretty much it. Um, so and that's getting paid off. Uh, so luckily I'm about to be out of debt, which is a very good feeling, but how long have you known about this? How long have you known about this what was that how long have you known about this uh we found out um we found out no i don't know we didn't she did and then when did she tell you you're not together yeah december when we were living in louisiana and then we moved back up we were together still uh and then we just recently we just recently separated so you're confusing me because i think you're so jumbled up so are you telling me you knew she was pregnant before you broke up yes yeah yeah it's been a it's been a mutual breakup

so it's not been like any any sort of so you didn't recently find out you were pregnant and get this good news that's what you led with that wasn't the truth uh you knew she was pregnant and you broke up with her that way why'd you break up with her um we just we just argued a lot it was a lot of just back and forth and so here's here's the deal this woman is going to be in your life for the rest of your life. Yes. And so whether you get back with her or not, it sounds like there's a lot of YOLO and, well, we just argue. Dude, you've got to be past that now.

You're bringing a human into the world. Yeah. I would get with a relationship counselor ASAP because you're allall gonna have to learn to talk to communicate to you think you think being together and raising these kids hard you're gonna try to do it in separate houses it's gonna be chaos it's hard hard hard hard and the fact that you haven't already moved i don't even know what we're talking about here my daughter has been gone for four days five days and i'm having trouble breathing

i don't i i can't wrap my head around your thought process no so that that's where i was so i am gonna i am gonna move down there with them um that they're gonna they're gonna be doing that no not with him y'all broke up you made a big boy decision you broke up you're gonna move your butt down here by this child and you're gonna work to learn how to communicate with them there's not a way i'm gonna live yeah i'm gonna live near them that way we can we can you know raise the baby actually it's not even near them it's near the baby near the baby you broke up yeah and y'all are playing dating still on the phone that's why i don't think y'all are done i think y'all acted immaturely and things got stressful and you just split up yeah pretty much everything you've done has been an impulse decision all of these decisions

have been impulse the moves the pregnancies the the shacking up the breaking up the moving to nashville or tennessee you guys make decisions about every 30 seconds and uh and that's not good for your finances but it's fine until you decide to bring a human into uh and that's not good for your finances but it's fine until you decide to bring a human into the world it's not good period you never make good decisions this way y'all need to slow it down slow your roll slow down these are big boy big girl deals you can't you know breaking up with someone that you have a baby with is a big deal well we're arguing oh well give me a break i've been married 43 years we're arguing is an ongoing i was gonna say i wasn't gonna say it but

i've been in the room with several of those we're arguing means she told me what to do and i didn't do it wait a minute that was today but this idea that um're just going to break up because we're arguing, you're going to argue the rest of your life because y'all are raising a human together. And so figuring out how we're going to communicate, even if y'all go in the room and say,

hey, we're done romantically, but we're going to figure out how to do this, at least give it a shot. For the sake of this kid, all the data suggests y'all have to be working together for this kid to have a shot. Yeah. So yes, I'm with you to move into tennessee but i want you guys both of you to make slower huge decisions the good decision making paradigm is this the more important the

decision the more information you need about the decision, and the longer time you should take making the decision. You've done that the opposite on all of these fronts. That's what's killing me here. So you can impulse a pack of gum. If you're going to buy a car, you need to slow down and take your time. It's a lot of money. Okay? If you're going to choose to you can impulse uh walking across the room and talking to a girl you don't impulse breaking up with a girl who's got your child inside of her or think it this way because of some arguments

you have decided i want my child to have a single mom. I'm going to be very careful about that decision. Very careful. Yeah. So I'm picking up, picking on you, but dude, we love you and we want you to win. And we're observing the patterns there.

I want your baby. And if you don't break those patterns, you're going to replicate them. And that's what I want for you. And I want that for your baby as well. Yeah. The most positive thing you said in the entire conversation is how excited you are about the baby as you should be and that's wonderful that's good news for the baby and good news for you it means you're a good man so work through these um slowing down on big decisions and so you know before you decide to move to tennessee and chase her um you probably

ought to go meet with her and a good relationship counselor talk about what it looks like if you made the move here's it i'm gonna give you three months of free better help with a licensed marriage therapist life relationship therapist that'll talk to you guys so hang on the line here we'll get you hooked up with that there we go and then y'all could talk from different states even if you need to, but y'all can begin. I think you probably do need to go to Tennessee, but I think you should do it in a different context in the sense of you ought to have made the decision.

I've got a good job move when I make the move. I'm not just going to go down there and hope it works out. I got a place already. I got a place figured out. I've got a set of relational boundaries and rules involved with this ex-girlfriend and how we're going to work on the child.

What are the financial implications? How much are you going to child support? What are those kinds of things? All of this ought to be you ought to have all that figured out before you move. And it might take you a month to figure that out. And you got a month. so slow down on big decisions get more information and more information and more information you've got all your information

stacked up and you go slowly we call that wisdom it's the opposite of impulsing this is the Ramsey Show. Dr. John Deloney, Ramsey personality, is my co-host today. Open phones in the lobby of Ramsey Solutions on the debt-free stage. Nathan and Danielle are with us. Hey guys, how are you? We're great, Dave. Good to be with you guys. You too. So where do you live? Arlington Heights, Illinois. Ah, Chicagoland. All right, welcome to Nashville. And how much debt have you paid off? We've paid off about $130,000 in debt. Very good. And how long did that take? Six years. Six years. And your range of income during that time? We started at about $40,000. We were bumped up to, what was it, $130,000?

$132,000. And then actually in about a week and a half, that's going to jump to about $160,000. Okay. That's pretty impressive, you guys. I mean, $40,000 to $60,000 is pretty cool. $40,000 to $160,000. So what happened to your careers? do y'all do for a living a lot of extra uber man yeah now they bought uber i mean uh uber lift was part of that for

about six months but uh it started out we graduated i graduated from uh grad school we'd gotten married six months prior to that what's your degree originally i had a degree in athletic training, which is similar to physical therapy for people that don't know, but more college setting, high school setting, things like that. At some point, a couple of years into that, I was thinking about the career, thinking about, you know, we're going to have kids one day. And I was doing a lot of traveling on weekends with like football teams and things like that. And wanted to, I was doing a lot of traveling on weekends with football teams and things like that. And I was thinking about the time we'll potentially lose with kids when we had them. And so I started looking into a career change.

Fast forward, we cash flowed. I got my MBA online, graduated in the end of 2020. And then maybe nine months later or so, I made a career change into third-party risk uh was working and which is what i do now so okay cool and what do you do daniel i am a paralegal in a class action law firm wow good for y'all okay great careers quite a quite a trek how long you've been married seven years seven years so one year into the marriage you start this process and you go on this journey on his career track uh which leads you into much much higher incomes over time what kind of debt was the 130 uh guilty as charged on that one that would be all my student loans and a little bit of

medical debt i hadn't charged you the paralegal huh yeah okay all right i'll go with that cool so what happened after a year of marriage that you said we're going to get out and we're going to do this ramsey stuff how'd you meet us so about five to six months into our marriage my grandma ended up passing away and she left me a amount of money that was equivalent to pay off my first two federal student loans. And we had read the total money makeover and we're like, we can do this. Let's go, let's get Gazelle Intense and let's pay this off. And we did. And we had read the book, uh, my spring break of my last year of grad school. Um, it, we, it was a wedding gift actually. And we just kind of sat on the shelves like, yeah, we're a bunch of poor college students like well you know living on uh i don't know it was maybe less than 1500 a month if that

you know maybe 1200 uh so you know then read it over spring break and was you know thinking towards you know we'll finally get you know real jobs real income and i was like hey like this seems uh seems like something that's pretty feasible you know um yeah that was kind of okay got after it then knocked it out here we are six years later in a making serious bank and no payments in the world when did y'all start dressing exactly like in public so all this started early on in marriage john so i've been forcing him to dress similar to me ever since you're a good husband man here's a picture over here they're doing it too no i thought like you're a good husband man well done yeah that was uh christmas photos there uh this past you know

past christmas time so what was the biggest challenge y'all faced um internally like the one behind closed doors that you don't talk about right yeah uh no one told everybody on the radio um probably i don't know if there was one specific one but just you know um we like i'm sure so many other people it felt like uh after about two years into it, it's like, you know, we're trying to grind through this and, and, you know, we'd start getting that, you know, it was like almost fatigue from it. And sometimes she would feel that way. Sometimes I'd feel that way. And I was like, so we're trying to kind of pull, you know, pull and push each other along and say, no, like we got to stick with the plan. It's going to be okay. You know? Um, and you know, fortunately we, um, sometimes kicking and screaming, sometimes less so, but you know,

fortunately we were able to stick to the plan. Yeah, absolutely. And I think the other thing too is about four years into our marriage, we tried starting a family and unfortunately just, we went through the wilderness of infertility and infertility is not for, I wouldn't wish it on anybody. So having to struggle with that cashflow, um, those treatments and then going through three rounds of unsuccessful fertility treatments that, that really tried and tested us, but we remain faithful. We remain, we said, God, you've got this, you've got us, we're going to keep trusting you. And we just kept pushing forward. And I hear that little screaming in the background yeah yeah that was uh so it worked yeah uh no actually it didn't oh so tell us about that story

so um it was our third round of iui had failed it was the friday after we had that news i was sitting on my kitchen floor sobbing asking god why and then i told him you know what lord i'm done i'm gonna be done i'm giving this to you let's focus on other things let's keep paying off the debt two and a half months later find out we're pregnant of course yep of course i love it wow that's so cool congratulations thank you thanks proud for y'all what a wonderful five years yeah and what a very hard five years yes yeah wow very cool congratulations all right what advice do you have to somebody who's facing what y'all were facing don't you ever give up

don't ever give up keep pushing forward seek counsel when you need it seek help from your church leaders when you need it don't be afraid to reach out for help i think about too that you know uh we certainly weren't perfect at it we had you know a month a month here or there periodically where it's like you know maybe the budget got blown up by something or or maybe we just you know you know had a lapse in judgment maybe you know spent a hundred dollars here or something like that and I was like yeah I think you know looking back on it that was a mistake and but you know don't let those things you know don't let those things get you down don't let them take you out of it. So just get back on track and keep pushing.

Back on the wagon. Back on the wagon. Absolutely. I like it. I like it. Well, congratulations, you two. Thank you. And the little one's name is what?

Eliana. Eliana. So is Eliana going to be in the debt-free screen? She is. All right. Well, we've got the every dollar subscription for you guys for a one year. We've got two of them, actually, two one-year subscriptions, one for you and one for you to give away one year we've got two of them actually two one year subscriptions one for you and one for you to give away so we'll get that to you oh she's precious

oh thank you she's so cute thank you that's fun i hope for the listener she's wearing the same color shirt there you go just to be sure we noticed that i love it it. Way to go, you guys. So proud of you. Thank you. You're heroes. Thanks. You took control, and that little baby's got a whole different life because of you two. Well done. Very well done.

All right. It's Nathan and Danielle and Eliana from the Chicagoland area. $130,000 in student loans paid off in six years, making $40,000 to $160,000. Count it down. Let's hear a debt-free scream. Three, two, one. We're debt-free! Yeah!

Yeah! Whoop, whoop, whoop, whoop, whoop, whoop, whoop. Yeah! That's how it's done. Well, she wasn't even scared. No, I think she's heard Mama do that several times. Been practicing. In the practice room do that several times. Been practicing. In the practice room, that's right.

Been practicing. I like it. Good stuff. Very cool. Very cool. One of the things that we see, I mean, if you get out of debt in six months, you know, you don't have this, but if you get out of debt and it takes you three years or four years or five years, or in this case, six six years you can almost be guaranteed that during your

debt-free journey you're also going to have a life event or six there's always going to be something you know um in their case they were dealing with infertility and having a baby uh we had a debt-free screamer on yesterday had two children during the time they were getting out of debt that's big life events. It's not like this stuff happens in a vacuum. Because if you could just sit and do nothing but this in a monastery, you know, I mean, there was no outcome. You get it done.

Life doesn't stop. Yeah. There's all this other stuff coming at you, too, which does require you to have that tenacity, that perseverance. You know, it's wonderful that you can walk through all of that at the same time that that's that's the proof text that's when you know you got it this is the ramsey show well let's face it taxes are confusing and they piss me off i don't like paying them i don't want to do it i don't

like this time of year and then you get all these people in the tax business around you you guys are not around me but i got rid of them a long time ago but they're trying to sell you you know if you'll use our software we could sell you 14 credit cards and a cash advance on your refund oh my god they're just debt sellers. They're credit card people that got a little tax thing waving it in front of you like you're a bass and you bite on everything that's shiny. So don't do that. Go to RamseySolutions.com slash tax.

Use Ramsey Smart Tax if you've got a simple return. If you've got a complicated return, hit the tax ELPs, and they'll help you with it. Dave's tax tip of the day, a tax refund is not a bonus. A bonus is a fund. This is a refund. A refund means it's already happened once and we're refunding it means you already had the money once and you gave it to the irs you gave them too much more than you needed to give them in order to cover your taxes and then they send it back to you so in essence you have given them

too much money and they send it back to you. So you have a savings account with the federal government that pays zero interest and they send it back to you and you feel, oh, well, it makes me at least I know I don't owe $3,000. You're giving them $250 a month too much and it makes you feel good. It doesn't make me feel good. It makes me feel stupid when i do stuff like that so how do you fix this you go into your w-2 and you change and get the right amount taken out going to payroll and have them take the right amount out now what's the right amount well if nothing's changed in your taxes and you've gotten the same refund for the

past four years just take that refund amount and and take the correct amount out of your check. $3,000 a year is $250 a month. Simple. $6,000 a year is $500 a month. $4,800 is $400 a month. Whatever it is, have that right amount. If something has changed, you may want to have one of the tax ELPs run your taxes or get the Ramsey Smart Tax Software, run your taxes,

figure out what your actual tax bill is, and divide that into your paychecks and tell them to take that much out then you will be having the proper amount taken out you will not owe more than you have paid in but you will not have paid in too much the numbers that it's like 70 something percent of americans get a refund i like to think of it this way you think the government's doing such a bang up job with spending that you decided you know what i'm gonna loan y'all some money for the year interest free just on me that's that that that walked me into debbie's office and said i can't i can't do it anymore no that's right yeah the dmv is so efficient oh god so proud of the work you do.

I'm just going to loan you all money. Scary. All right. Our question of the day comes from Max in Oregon. I have a portfolio of properties that's worth about $3 million. My partner and I recently had a child, so we'd like to buy a house. I sold one of my properties for the down payment, and my partner chipped in $5,000, which wiped out her savings. She keeps asking me to sell the rest of my investments so we won't have a mortgage.

I have a feeling she wants this so she doesn't need to go to work. I feel stuck and resentful because of the inequality of our financial contributions. Well, so this is a relationship that's not going to work, Dave. of our financial contributions. Well. So this is a relationship that's not going to work, Dave. So, Max, it starts with when you have a partner instead of a wife. Right. Are we dating? Are we married? I don't even know. I don't even know what's going on doesn't say i can't tell i can't tell if you're married and you think it's chic to say partner or i can't partner or if um this is a business you're killing me it's a business

it's it sounds like because you use the partner, that you think this is a business. That's the way this verbiage sounds, doesn't it? And so if you were in partnership with a business partnership and it was unequal, well, each of the parties in the partnership would have things that they were supposed to bring to the partnership. Are both of you going to bring what you're supposed to bring to the partnership? Then if somebody's not doing that, then a business partnership, you would have this exact kind of discussion about that. But before you go to a business partnership, hopefully you've discussed what each of you are going to bring to the table and what your goals for the partnership are. Yeah, what the expectations are.

Y'all haven't done that here yeah you haven't hit that you haven't even gone that far with this but my point is is how sickening this sounds because it sounds like a business transaction instead of like me and my wife had a child and she wants me to pay off our house that we live in and raise our child and i've got a big old pile of money and i'm really loving my money more than i love my wife and my child and she she chipped in five thousand bucks and wiped out her savings wow she keeps asking me lucky for her she married max the millionaire bro dude there's just i was gonna say you need to check yourself but you've already wrecked yourself brother you're like you got a mess got a mess man yeah we just wore you out son sorry about that but uh i'm not i'm you know what

i can't stand this attitude because it is a attitude of i am superior to you because i have some properties yeah and you married a woman y'all created a human we don't know if we're married well we might be partners y'all y'all have a child together and suddenly well you got yippee i call yay oh my gosh yeah this gives me the gas dave max y'all need to go see a counselor ASAP. Yeah, so let me tell you, if I could be your best friend for a second, your old uncle, ugly Dave,

and put my arm around you, I would say, love this child and this woman so well that you marry this woman if you're not and that you make those two your everything and you do anything for your everything. Above your homes and your network. You do anything for your everything. There you go.

And that means you pay off your stinking house and you make a home and you pay cash for it and you create an environment where those two can both prosper because you love them more than you love life itself, certainly more than your tiny little portfolio of $3 million. This will cause you, my son, to be 80 years old and have no regrets. Worshiping at the altar of a $3 million real estate portfolio, meanwhile making your own wife or should be wife and child um second fiddle to your stuff will not lead you to long-term happiness period easy easy so that's what we're seeing and that's what we were dancing around and being sarcastic and we know that all the crap this poor lady is feeling. But, dude, you really are being a complete butt

because you are completely worshiping the wrong things here. You're completely putting the wrong things in the wrong order. And when a lady has your child, married or not, and you are so superior with your three million dollars that you look down your nose and she paid off her five thousand dollars i'm like dude it's just nasty it's nasty so oh sorry you wrote in oh my gosh but you know hey you know the truth is the secret to happiness is long-term high quality relationships it's not stuff hello period man i i just find myself overly um empathetic sometimes y'all give me a hard time off air but like i'm just overly

this is one of the few ones that gets me fired up when somebody looks and it's just well the problem is is the downstream on it the problem is you and i know the data of where this kid ends up that's right if this if his if max's if max's brain isn't reaching that baby will be born and really quickly that nerve system will know odette's rental properties are more important than me yep and that's a recipe for chaos man yeah that this is how you end up uh and i don't know how little johnny ended up being a bank robber i do i do this is the ramsey show Thank you. We'll see you next time.