The Ramsey Show - App - My Father Has Been "Borrowing" Money From Me (Hour 3)

Episode Date: December 10, 2020

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Music Music Live from the headquarters of Ramsey Solutions, broadcasting from the Dollar Car Rental Studios, it's the Dave Ramsey Show, where debt is dumb, cash is king, and the paid-off home mortgage has taken the place of the BMW as the status symbol of choice. I'm Dave Ramsey, your host, Anthony O'Neill. Ramsey Personality, number one best-selling author, is my co-host today. Open phones at 888-825-5225. That's

888-825-5225. Kyle is with us in Atlanta. Hey, Kyle, welcome to the Dave Ramsey Show. Hey, Dave, thanks for having me. Sure. What's up? So I had a question. I know some people that are young, including myself, have a little bit of house fever. So I wanted to know how young is too young to buy a house if the baby steps are aligned? And when you say the baby steps are aligned, what do you mean by that, Kyle? So I'll give you a little bit of background. So I got married to my wife earlier this year. We graduated college, had a COVID wedding, and then got back from our honeymoon and paid off

all of our student loans. From there, we now have our fully funded emergency fund, and now we're looking at, I guess, baby step 3B, so looking at saving up a down payment for a house, but we're 22. And I was going to make sure I'm hearing everything correctly. You paid off your student loans, but we have no other consumer debt, correct? Correct. Then Kyle, right now at You paid off your student loans, but we have no other consumer debt, correct? Correct. Think how right now at the age of 22 and long as you have that fully funded emergency fund, there's no such thing as too young.

I think that you all are married. I would spend maybe the rest of this year, maybe even next year, just making sure that you all are going to live in that area and just see what you all like. But while you're doing that, yeah, you're saving up for the 10% to 20% to put down and go get you a home, man. Yeah, you're doing great. What's your income, household income? Currently, it is $125,000 a year.

And beginning May of next year, it will increase to around $145,000. Go get you a house, man. Yeah, man. You're just totally – you guys are studs. You're out stroking most 52-year-olds right bro. Yeah, man. You're just totally – you guys are studs. You're out stroking most 52-year-olds right now. Oh, man. I mean, you are doing so good. But let me ask you this question, Kyle.

How did you learn how to do all this at 22? Yes. Like, where did this start at? Was it your parents? So it started – yeah, it started with my parents. I can remember watching the OG Financial Teacher University as a family on a Friday night. OG. So instead of going out.

Hey, Anthony, you're going to have to tell me what he's talking about. What's OG? Mid-2000s recording of Dave. And so that was what we did on Friday nights as a family. We didn't go to the movies. We didn't go to the movies. We didn't go out to dinner. We sat at home. Well, apparently it worked.

Whatever OG is, it worked. I'm just saying. OG just simply means he's giving you respect. You're an OG. You're an old school guy, Dave. You know what I'm saying? Old guy. He's giving you respect.

I got it. I'm just messing with you two. All right. No, I'm not. I have no idea what we're talking about. But anyway, the – but yeah, I'm so proud of you, man. You have really killed it, and I'm proud we had a little bit to do with it. And you are way ahead, and no, there's not an age.

If the age indicates a phase of life that's volatile, then maybe you would wait until that volatility went out. For instance, if you graduated from college 10 weeks ago and you were not married and, you know, were in a rush to buy a house, I might say it's okay to chill a little bit, you know, but you've got everything buckled down. You know where you're going to live. You know what your jobs are. You two are married. The debts are paid off. You've cleaned it up. You've done everything properly. No, I would not wait. I'm with Anthony.

I would save up, maybe take a year, save up a huge down payment, and then buy. You've done a great job. Dave, over the last, this year, how many 20-somethings have caught into the show? It's just going up a lot this year. Apparently, there is a good, strong generation of financial peace babies out there yes that's apparently we're running into them and they got um homeschool with the dvds no the vhs's yeah the og the og so there we go unbelievable all right nisha is with us nisha is in boise idaho hi nisha how are you good how are you guys better than we deserve that's for sure what's up well i guess 47 calls is a charm right

there we go well we're about 55 miles west of boise actually way out in the country in the good old owyhee County. But I kind of have a scenario that I just needed maybe some guidance or some help. But we live on a little over three acres. We built our home in 2001. And since that time, my husband farmed originally, but he had two, he's had two major accidents and he's getting older. And so we're finding that it is harder and harder for us to keep up our entire place. And so we have the opportunity to sell off an acre of our property and be able to pay off our home. We owe about $70,000 on our place. And we had a realtor come out that said the house would sell for over $500,000 in probably two days, but it'd be sold. So we kind of just were like, whoa, you know, my husband's goal. He said, you know, I want

my home paid for. I said, I understand that. but wait just a minute here. So, um, he wants to take an acre of our land, which would be directly in our backyard and sell that off and pay off. We have about 8,000 total in debt. It's medical. We don't have anything else. And the home, have $8,000. We have none. None. No retirement? No retirement. Nope. How old are you? Nothing in savings.

I'm 48, and my husband's almost 60. Okay. What's your household income? He makes about $3,000 a month. He's a farmer slash beekeeper. And you make what? I just got laid off. I'm a nurse and I lost my job. Okay. So what were you making as a nurse?

About $50,000. it would have been a year okay yeah so uh nurses are usually very employable uh how's the job hunt going um right now with the covid they're it's kind of it of hard because they don't want to employ anybody new. At least that's what I'm finding. It's kind of crazy out here, really. I would hate for you to sell this acre because of an income crisis that I think is going to get solved. If I thought you had to live on $36,000 the rest of your life, you might have to sell the acre, but I don't think that's the case. I think it might be for the rest, might be, you know, down into next year sometime before

you get a job. I don't know where, but nurses generally can land something. It's a wonderful profession you've chosen because you're very, very employable. And I'd hate for you to lose that acre back there i'd rather you guys go make some money and pay somebody to mow it than lose it um it just it's right on top of you i mean you can do it but i i would instead be straining towards getting my job back or getting a job as a nurse and that way you don't have to this is the Dave Ramsey show

over the years I've seen so many families suffer by not having life insurance it's not that they didn't care it's just that they didn't know so It's just that they didn't know, so they did nothing. That's a huge mistake. Listen, husbands and wives, moms and dads, think about it. If you died, how would your family pay the bills, the mortgage, food, and plan for a better future? This is what life insurance is all about, and term life is the only way to go. It's not expensive, and it's not complicated. Stop wasting money on cash value plans. You need 10 to 12 times your income in protection and I recommend 15 or 20 year level plans. I also

only recommend Zander Insurance and I have for over 20 years. These are the only people I personally use and they only offer the plans I recommend. Call them at 800-356-4282 or get instant quotes online at zander.com. Trust me, these simple steps will let your family know how much you care. Anthony O'Neill Ramsey personality is my co-host today. This is the Dave Ramsey Show where we talk about your life and your money. Teach you to have common sense with your dollars and cents. Living on less than you make, a concept Congress can't grasp. 2020 probably wasn't the year you hoped for. As a matter of fact, we have declared it the year of the dumpster fire.

You might have had to pause some of your money goals. You might not have been able to pay off debt. You might have been trying to survive. Or maybe this was your wake-up call. But a new year, it's right around the corner. It's time for you to clean up your debt, time for you to get a reset, get started again. And that's exactly what Ramsey Plus will help you do. You can get your reset.

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that's a reset no matter how last year went next year is going to be better and that's pretty much shirt so to try ramsey plus for free you can do a free trial text the word trial to 33 7 8 9 33 7 8 9 text the word trial to 33 7 8 9 chuck is with us in pittsburgh hi chuck how are you hi dave how are you better Hi, Dave, how are you? Better than I deserve. What's up in your world? Hey, I just want to thank you for everything that you do for the past six years. We've been able to become debt-free, paid off our house this year. Wow! And I was just going to write out the check for my wife's term life insurance policy,

and I thought, well, what would Dave do in this situation? Because, you know, we don't have a mortgage. My wife works part-time. Our youngest is, you know, 17 going on 18. And, you know, I don't really know that we need to have life insurance on her anymore, but I wanted to ask you. And you have an emergency fund, of course. Yes. And you have a nest egg that's how big in your retirement?

Right now, about $500,000. Okay. And you make what a year? Household, about $120,000. She makes $20,000. I make about $100,000. Okay. All right. Well, if you drop life insurance on her and she were to pass away, let's run the scenario out, right? You got a half million dollars, you got a paid four house, and you make $100,000 a year, and you got a 17-year-old who'll be gone soon. College taken care of? Cash flow. Out of you if she's gone? Yes. gone yes yeah okay all right yeah you're probably self-insured through hers then if you had a bunch of little kids running around i would challenge you that you would have to replace all the things that she does and believe me replacing mary poppins is expensive so i mean the things that

a stay-at-home mom with three kids does for instance replacing that economically takes 40 to 50 000 a year so uh i don't have any problem with any other year springing on it. Yeah, you don't have that. And so, you know, what you do, the way you run it, the analysis on this is just simply, and later on when you've got a million and a half and Junior's gone, we may look up and drop your insurance. Because if you died, she'd be okay exactly but today i wouldn't do that on you but if you want to drop hers no i and i don't mind making it for another year it's

not it's not a yeah it's not the end of the world probably not a lot of money if you want to keep it one more year until the 17 year olds 18 it's not a bad decision but um but the way you run the analysis is what we just did let's just play pretend you know what expenses would you have to cover that you couldn't cover and are you okay financially and you know it sounds like you've done a really good job so you're you're i think you're approaching self-insured on her and uh it won't be long before you look up and on you you are as well. So good question. It's really good. The good news is this is a good time of year, Anthony, to just stop and think about that kind of thing.

It is. And say, okay, what insurance do I need in place? And, you know, jump on DaveRamsey.com and do one of our coverage checkups and look and make sure you've got everything dialed in, you've got your will in place. It's a good something about the end of the year, particularly a year like this. It makes us all reflect reflective on what do we got to do to get things dialed in? You know? Yeah.

You and I just a couple of weeks ago were talking about my will and how should I set some things up in my will? And you gave me some wisdom and I went back to my attorney to do that. And honestly, it was just this year has been a very interesting year. And I want to recommend everyone, especially if you're in your 20s 30s and higher spend some time life insurance and especially that will i just cannot stress that enough um even if you think you don't have nothing uh still talk to an attorney get a free will or just jump to mama bear and get you know get one online if you don't have you may not need to spend the money for an attorney if you don't have a complicated estate

it's just like with uh you know if you don't have a complicated return you can use ramsey smart tax and do a quick online file you know it's not hard to do a filing that that kind of i mean there's ways to do this stuff but the point is just address the issue and i think that's what you're you're so you're so good at staying on top of your stuff personally amy is in tampa hi amy welcome to the dave ramsey show hi dave and anthony thanks for taking my call sure how can we help um i have a question and uh my father passed away uh november 16th i'm sorry after a long battle with cancer. Thank you. Praise God he's at peace and he was ready and we're all well. Surprisingly, with a very low education, my dad was able, he worked his tail off his entire life and he left a great financial legacy for a man who barely graduated high school.

He has about a trust of about 600 plus thousand in it divided between three siblings. It's something that he's prepared us for, for many years, you know, use my legacy well. So my husband and I are really trying to figure out the best way to do this. We are currently in baby step two. We took FPU last July. It started with $62,000 in debt and we're down to $26,000. Good. And so I guess my question is this. The plan is to complete baby step two and then fund our emergency fund.

And then with the remaining money, you know, $145,000 to $200,000 to $250,000, we're not really sure, what would you suggest doing with that? Would you suggest putting the bulk of it to the house, which we owe $365,000, or would we invest 15% of that and then put the rest towards the house? How does that equation work? It's your income. This is not income. This is not income. This is an inheritance.

So I would use 15% of your income for Baby Step 4 and continuing to do that or starting to do that once you get to Baby Step 4 because you're not there yet, but you'll be there soon. And then I would throw it at the house. Now, all of this presupposes because you have to – this begs the question, are we honoring his legacy? Because he was real concerned about his legacy, and we're proud of what he was able to accomplish, apparently, and I'm proud of him. He was an incredible man, obviously. But so this presupposes

that you play through, meaning if you throw 200 at 365, I want that other 165 gone soon. And when it's gone, I want you to take the fact that you don't have a house payment and don't have any payments and use that to build your own legacy which is in a sense his legacy right but if you just if you just pay down on the house and then you know spend all your rest of your money in that 165 laser for 15 years, then we really didn't do any good with it. Right. I remember looking at his amortization log when I was a kid,

handwritten amortization log for his house. Yeah. And, yeah, he's left a legacy of financial wealth and education wisdom. So you're going to play through, you know, as long as your husband's on board and you guys are doing the baby steps together and you're doing what we teach, there's nothing that we teach that your dad would really disagree with. No, not at all.

He was happy when I talked to him about Dave Ramsey, and he got excited for us. And so, I mean, you getting this house, but play on through, finish it up. In other words, throwing that $200,000 at it doesn't do it. It's not done yet, so you've got to finish. You've got to run through the tape and get the metal, right? And when you run through the tape and you knock that rest of that mortgage out, that's when serious wealth building is going to occur

and the generational impact of his $200,000, $250,000 gift is going to be really seen at that point mathematically. So, wow, what a cool legacy. This is The Dave Ramsey personality is my co-host today. This is the Dave Ramsey Show. We talk about your life and your money. Daniel and Tracy are with us. They are in Tampa, Florida. And according to my screen, you guys are debt-free.

Congratulations. Thank you. Love it. How much have you paid off? $16,919.61. Woo. Thank you. Love it. How much have you paid off? $16,919.61. Cool. How long did this take? About 18 months.

17. 17. All right. And your range of income during that time? We started out around $52,000, and we ended a little bit more than $60,000. Okay. What do you guys do for a living? So I'm a system operator over at a grocery chain here in Florida,

and my wife is a front service clerk at the same grocery chain. Okay. Very cool. Well, neat, guys. Very good. What kind of debt was this $17,000? We had about $11,000 in credit cards, and then we had a personal loan, and then some medical and just some other odds and ends.

Okay. What made you decide to clean it up 18 months ago? Say again? What made you guys decide to clean this up 17 or 18 months ago? Well, we started out really in just a rough situation, not paying attention, not being on the same page as far as our finances go. And we started out with my wife doing our finances, and then we jumped to me doing finances. And it really got bad when I took over doing the finances. And it came to the point where we took out a credit card as to be a cushion and just something that we could use as points to help us along the way as we progressed through. And we got to one night, and Tracy may be able to say it better,

but I asked Tracy to pick up some milk on the way home from work. And the debit cards didn't work, and the credit card didn't work. And my wife was just sitting there. And I don't know if you want to take over, hon. Well, that was what you say is my I had it moment. And that was my I had it moment when he told me to pick up milk and I couldn't even buy milk. And praise the Lord, one of the guys that I used to work with at the warehouse, he was there and he bought milk for me. Whoa.

And it was my never again moment. Yeah. Never again. Unbelievable. And you work in a grocery store. Yes, sir. Yeah. Wow.

So that was our I've had it moment. Yeah. So I came home and we talked about it and we said never again. Never again. So what was the next step, and we said, never again, never again. So what was the next step that you did after that never again moment? What was the first positive thing you did? Well, definitely, it's funny because my cousin had told us about you guys, Dave Ramsey, about six months earlier, and I had bought the kit from his church, and I just threw

it on the computer desk. And I was like, my husband says we're fine with finances. We're good. We're fine. Everything's fine. We're no problem. So as soon as that happened, I went home, and I dug that sucker out. I went through everything. I booked a class. I mean, I told him, and then so the next day we had a meeting and i said look we're going through dave ramsey we're not doing this i said we need to be on the same page and he said i praise the lord i'm done i'm ready too yeah yeah well i mean daniel how does it feel i mean i can't imagine i can't imagine because i've been exactly in that situation or similar situations but it's just good to say it out loud how it feels when your wife is at the grocery store

and somebody else has to buy your milk yeah it was absolutely embarrassing yeah um because you know she i just messaged her saying hey pick some milk up and i went to bed because i had to work in the morning so i didn't even know and so when we sat down and talked the next day and it all hit, it was just complete embarrassment. Yeah, yeah. Fear that I let us doing finances this far in debt to where my wife couldn't bring home milk so that our kids could have milk going to bed. Yeah. My wife couldn't bring home milk so that our kids could have milk going to bed. And I was so overtaken by embarrassment and fear showing my wife what I did with our finances leading us down this path that it had to change. So when she says, we're going to class, you're like, praise God, let's do it.

I'm ready yeah that that both of you had a simultaneous uh you know i've had a moment where that that's powerful i'm curious uh daniel and tracy when it comes to like you experienced that at the grocery store and you all went on this journey what was that key ingredient what was that key thing that kept you all on this path? Was it fear for going back to that moment? Because I can I can go back to my days and I was fearful to get back to the back of my car. But what kept you all for these 17 months? For me, it was the fear of. This can't happen again. I never want to see this again. I never want to have to look at my wife and see that that's what I let our family into.

How do you feel now that you did it? Amazing. Amazing. It's the opposite end of the spectrum, isn't it? It sure is. It sure is. I mean, a sense of power power a sense of confidence uh a sense of i got this yeah i mean it's it's hard to unless you've had that moment like you guys had and i'm you know we had our water get cut off you know at our house i can't only have water you know it's just ridiculous and i'm going god man what is this you know i'm just so stupid i put my family in a

third world country is what I did here. You know, just because of my misbehavior, not because I was born into it, just because I was dumb. And I'm just, man, and then the other side of it, you just feel proud. And you should feel proud. I'm proud of you guys. Well done, you two. Very well done. Because more importantly than the $17,000 paid off in 17 months is that you will never go back.

Never. Never. So you're not going back, but what are you doing going forward? What's your next big thing? Yeah. Well, as soon as we got out of debt, my husband had another aha moment and realized that we were doing Ramsey-ish the whole time. And so now we're all in

and so we're building up our six month emergency fund so that's our next step is maybe step three very good guys we got a copy of chris hogan's book for you everyday millionaires and that is definitely the next chapter in your story if you don't do ish. So well done. Very well done. Daniel and Tracy in Tampa, Florida. $17,000 paid off in 17 months, making $52,000 to $60,000. Count it down. Let's hear a debt-free scream. Three, two, one.

We're debt-free! Yeah! That is how it's done. Yeah! Woo! Ha, ha, ha, ha, ha! That is how it's done. That's how it's done. Open phones at 888-825-5225. Phoenix on YouTube says,

Any advice for my working college kids on how to save and invest their money? Should they do a Roth or they are good savers hmm I mean if if college is paid for and they are for me I get kind of tricky on this one I really don't like them investing into Roth unless they have a fully funded emergency fund college is paid for car is paid for like their their future is in a stable place But let's just say they do have all that taken care of, then yes, investing into a Roth IRA is a fine option. But before we get into that, I just really want to make sure they get out of college debt-free.

Much more important that they get out of college debt-free. So I'm okay if they just pile up the cash just to ensure that that happens because very few people have every base covered sufficiently. The best investment you can make, rate of return mathematically, is a usable education, an education in a field that actually has a use. Yes. And that is worth it. And so you are your best investment in that situation, not a mutual fund. But if you want to do a mutual fund, you've got everything else covered, thenony's exactly right but man make sure everything else is covered please this is the dave ramsey show We'll be right back. our scripture of the day proverbs 25 2 it is the glory of god to conceal things but the glory of

kings is to search things out dolly parton said if you don't like the road you're walking, start paving another one. There you go. Anthony O'Neill, Ramsey Personality, is my co-host today here on the air. Stephanie is in Indianapolis. Hi, Stephanie. How are you? Hi, Dave. How are you? Better than I deserve. What's up? Okay, so long story short, I'm 23 years old. Before I graduated high school, I was gifted about $40,000 from my grandfather to pay for college. I received a full-ride academic scholarship, so I didn't end up needing that money. So it's still sitting in my bank account.

The problem is that because I was in high school, my dad was also in this bank account. It was a checking account that both of us had access to, and it still is that way. And he called me today and said that he took $20,000 out of that account as a loan that he's going to pay me back for his business. He's done this before. It took a long time for him to pay me back. The first time I had to continuously ask him for the money back and eventually he paid me back. So I just don't really know what to do at this point. I know what's wrong and I want to have a conversation with him, but I just don't even know what to say. I love my dad so much. I'm so grateful he's done a lot for me.

Stephanie, how old are you? I don't know what to do. 20? 20. 23. Take your dad off the account. Yeah, and I plan to. Today? No, there's no planning. Today. When you get off the phone.

Well. Yeah. Okay. Move the money into an account that is in your name only when you get off the phone. Okay. Sweetie, I know you love your daddy, but he just stole $20,000 from you. He ain't borrowing nothing? You borrow something with permission.

When you take it without permission, it's called a thief. Yes. I know. So, now, what I'm trying to say very loudly is that these feelings you have inside of you, you are not crazy. You were already feeling that, weren't you yeah a level of anger a level of betrayal a level of disappointment yeah yeah so the first thing you do when you get off the phone is you move the rest of this money you may never see the other money again. And then I would call your dad up and I would say, Dad, I love you so much. And you cannot imagine how hurt I am and how you have broken my heart because I've admired you for so long. And for you to just take money without even asking that is not yours.

It just breaks my heart because it makes me think of you as a thief, and it's just hard for me to do that. So I need you to put that money back today, Dad. You don't need to use it. You don't need to use it in your business. It's not your money. It's my money, and you need to put it back in my account today. And that's the right thing to do, Dad.

Yeah, and I asked him when he would pay it back, and he said he didn't know but he would get to it yeah no you call him back and tell him put it back in there now because he took it out today he hadn't had time to spend it yeah tell him put it back in there now right now right now stephanie he may try even pull his parent card i'm your father i did this for you for 18 years no you do not feel guilty you be firm respectful but firm that's my money it was given to me so i moved everything else and you doing this without permission makes me so disappointed in you you are not you're apparently not the man i know you're not the man i think of as a hero

a hero would never do this i want want you to shame him. Yeah. Yeah. Oh, that would be hard. Well, I mean, it's $20,000, and it's the right thing to do. Yeah. Because this guy's out of line, and somebody needs to tell him the truth. Yeah. It wasn't hard for him to hurt your feelings.

No. So it would be hard to tell him the truth. Yeah. I mean, you don't have to be yelling, and you don't have to be cussing or belligerent. Just say, you know, I looked up to you as a hero. I love you so much. And this just breaks my heart because I feel like you just stole money from me without my permission. You just took money that was not yours and didn't even ask. I can't imagine a hero doing that.

And I always thought of you as a hero. And, Dad, I really need you to do the right thing, and I need you to put this money back in this account tonight you haven't had time to spend it and i need you to put it back in there tonight it is not your money okay and i'll give you a chance okay here i'll give you here's the here's your odds 10 chance he does it 90 chance he doesn't yeah so you need to prepare your heart for the disappointment yeah and you may never see the twenty thousand dollars again and you'll go on with your life but you will not allow your father to have access to funds of yours ever again the rest of your life no matter what he does whether he puts the money back or whether he doesn't okay and on top of that stephanie be prepared that he may not talk to you for a little while. But that's fine.

Yeah. He'll be back. That's your father. Yeah. I'm so sorry. You should not have to carry this burden at your age. You should not have a father that does this to you. It's just wrong.

Yeah. It makes me angry. It's morally wrong. It's ethically wrong. No parent should do that to their own child. You need to feel that and hear that, okay? Yeah. You don't deserve this. You should not be put in this situation at 23 years old to have to deal with a boundary issue of this level.

It's just not right. It's wrong and um so i hope that you can get a get his attention and but just your the disappointment he hears in your voice and you need to let him hear it it motivates him to put the money back tonight but and don't you wait a day because in a day he will have spent it yeah you move the money out of this account the rest of it immediately in the next 10 minutes and then you call him as soon as that is done don't call him until you move the money because i don't want him getting the rest of it and then as soon as he puts the money back

if he does then you move that out and you close that account and you put nothing else in that account ever because it's got his name on it. Oh, could go everywhere with this. All right, Kelly is in Seattle. Hey, Kelly, how are you? Hi, Dave. Hi, Anthony. Thank you for taking my call.

Sure, what's up? So I'm from Southern California, moved up to Seattle with my husband, and now with COVID, my dad wants me to come back. My grandpa died during this time, and he owns my grandparents' house and wants me to buy it off him. No. Moving back would mean tons of debt. Yeah, okay. Just making sure I'm not crazy.

No, you're not crazy. People are leaving California. No one's moving there. Your dad should sell everything and move out. Have you not noticed that the governor has mental illness? I keep telling him that. Well, my dad, my sisters, my grandparents, they're all there. I'm the only one that's gotten out.

And I thought it was a great move to move out. Yeah, you escaped. Why would you go back? Yeah, don't do it. Don't do it. Kelly, I'm from Southern California as well. I'm from San Diego. He's getting ready to go over there next week and visit his family.

Yes. I was supposed to go to L.A. I'm afraid he's going to get trapped and not get to come home. Oh, that's fine. I'm from San Diego. He's getting ready to go over there next week and visit his family. Yes. I was supposed to go to L.A. I'm afraid he's going to get trapped and not get to come home. That's fine. I'll just call you. I'm good. I'm comfortable. Call me. What am I going to bring? Your Dave Ramsey. National Guard? Get Anthony out of San Diego?

No, yeah. Honey, you don't know your dad died. No. And it's a bad move. You knew you weren't going to do it. You just wanted somebody else else to say it out loud am i wrong no you're completely right i didn't want to get into that much debt i don't want that kind of lifestyle but everybody else down there or everybody i know loves that and loves that lifestyle and well that's okay i got lots of friends that are stupid you know know, I wanted to, I needed the reassurance. Thank you so much.

You already knew the answer, and you need, you know, it's just, and your dad's not thinking straight because he, what is this, the misbehavior of grown parents hour? Oh, man. Oh, grown parents, as if parents aren't grown, or whatever. It's the misbehaving parent segment is how we wrap up this hour. But you know what, Dave, was so funny is I get the same phone calls on my show. Like, hey, my mom took $10,000.

My mom said, hey, I don't have the right to ask her for the money back because of all she's done for me for my 18, 21 years. Travel agent for guilt trips man listen uh cray cray thank god i don't have those kind of parents yeah really i mean and some of you people yeah yeah you know you need to be do better some of you people are parents you just suck oh man that's just awful oh that's just bad wow all right there we go. That puts us out of the Dave Ramsey Show in the books. Good job, Anthony O'Neill. Thank you, Dave. Good job, James Childs.

Good job, Kelly Daniel in the booth. I am Dave Ramsey, your host. We will be back with you before you know it. In the meantime, remember, there's ultimately only one way to financial peace, and that's to walk daily with the Prince of Peace, Christ Jesus. Ramsey Call of the Day podcast. It's a quick hit of advice about life and money in under 10 minutes. Check out the Ramsey Call of the Day podcast wherever you listen to podcasts.