The Ramsey Show - App - My New Husband Is Almost $1 Million in Debt (Hour 1)

Episode Date: March 13, 2024

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. Thank you for joining us, America. I'm Dave Ramsey, your host, Jade Walsh, best-selling author. Ramsey Personality is my co-host today, so we're going to take your calls. The phone number is 888-825-5225. Leona starts off this hour in Fairbanks, Alaska. Hi, Leona, how are you? Hey, Dave, I'm great. How are you doing?

Better than I deserve. What's up? Okay, so I'm calling because I am pretty newly married, not my first rodeo, but one of the things I did, I made a mistake of, is not doing my financial background check on my new spouse. And so October, we got married in May. In October, we realized that we are close to a million dollars in debt. And... Wait a minute. Slow down a minute. Wait a minute.

Stop, stop, stop, stop, stop, stop. I got lost in this already. I want to make sure I'm with you. So you're how old? I am 45. Okay. And you've been married before. I have, yeah. You said not first rodeo. Okay. So you met a guy and you married him and you said it was a mistake to not do a background check. No, a financial check.

You didn't have conversations about money is what you're saying um i didn't check to see what kind of debt ratio did you ask him no okay so you just kind of walked in blindly he thought you didn't care turns out you cared. Okay. Yeah. All right, I got it. And so you've been married for how long? For about nine months. Okay. And then you woke up one morning and decided to ask, or he decided to tell you? What happened? I wanted to quit my job.

And so in that, I asked him if that was possible. We went back and forth. I said, I really need to see the budget, assuming he kept one. And I found out there that he didn't keep a budget. But when I started pulling things together, finding about 17 credit cards, I realized there's no way. And he was heavily reliant on my income as well. How was he making it before you were married? As a bachelor just he was just a heavy spender and so how was he if he couldn't make it without your salary now how was he making it without your salary before you were married right we he bought a um a five hundred thousand

dollar house since you were married uh i see my name is not on the title or since you got married when did he buy the five hundred thousand dollar house august it closed so we were married when so you're married you bought a house okay you were aware you were buying a house i was so five hundred thousand dollars is owed on the house and you said there's a million dollars. What's the other $500,000? There's another house that he had. It's a $300,000 home. We have it as a rental right now.

What's owed on it? $330,000. Did you not know about the rental? No, I did. You just didn't think about it. All right, so $830,000. Yeah, it was just moved up. $830,000. Yeah, it was just moved up. $830,000. And now what's the other $200,000 in debt?

He has a HELOC loan and some medical debt and then about almost $200,000 in credit card. Okay. And so what's your question? I mean, how do I not murder him, A? It's not his fault. It's yours. You didn't ask. I know. I know.

Well, he doesn't get murdered. You might, but he doesn't. Right. I mean, you walked around acting like nothing's happening, and he just assumed it was all okay. He's living his life like a, you know, just happy as he can be, happy as a little old clam, and then you came along, wanted to quit your job, and he couldn't do it.

So you're the one that didn't do anything. I mean, he's got a mess. There's no question about that. We don't need to murder him. Does he want to clean this up? So far, he's been doing everything. We have a Financial peace university coach right now who's helping us untangle a lot of things and great so both houses are for sale no well they need to be

okay y'all are broke people yeah because i'm guessing there's a little bit of equity in these houses you can use to clean up this stupid butt credit card mess. This guy spends like he's in Congress. Hey, by the way, what do you guys earn? What's the income between the two of you? $200,000. Okay. You can dig through it pretty quick then. You might even get to keep the house you're living in, but the rental needs to go immediately.

Yeah. And that's where the HELOC's laying too, right? I think the HELOC is on the new house but both my our coach and i are both confused about that it's just it's just messy okay and so number one the two of you next time you meet with the coach you have to raise your right hand and swear before the judge i promise to never do anything with money ever again without my spouse knowing it both of you yeah both of you you do not have the right to act surprised after this point up to this point because you walked into it begging for a surprise and but but now after from today on he doesn't make any moves

anymore because he's really not good with money. We really can't trust his judgment. He really sucks at this. And honestly, you're lucky that he agreed to go through financial peace and has the wherewithal to want to change it. You got lucky there. Yeah, I think you guys get on a beans and rice budget. You sell the rental. Follow what the coach is telling you.

You may have to sell the big house. You may not. How much do you owe on your stupid cars? So that's messy. His wife passed, and there are two vehicles. There's one vehicle in her name and a motor home in her name. Was the debt in her name? Yes.

Okay. But he kept the rest of the estate too, right? Yeah. So it's not messy. Both of those need to get sold yesterday. Did he not probate a will or rest of the estate too, right? Yeah, so it's not messy. Both of those need to get sold yesterday. Did he not probate a will or probate the estate? No, he didn't. He just actually told the bank like two weeks ago that she passed away two years ago.

He just what? He just now told the bank that she passed away. Yeah, so the bank is pretty upset right now. So he's had the stuff in possession for two years. Okay, so this level of denial and deception that he has lived his whole life in has to change or your marriage is not going to work. And this level of not bothering to ask and walking around with your head stuck in the clouds the way you do it, that has to change or your marriage is not going to work.

So the two of you have to commit to a clean, clear way of living where we're not deceiving each other or anyone else. All right. And you can get these two cars sold. And do you have any debt on the two cars you guys are driving well the heloc somehow has his truck wrapped into it no it doesn't it just used the heloc to buy the truck that's all okay but it is so how expensive is his truck i think it was uh like 18 000 that he paid he told me he paid off but that's not too bad i'm

not sure i believe it though all right so yeah you guys just got to dig in clean all the you know get all the tangles out of the hair get everything straight and then decide what you're going to cut how much of a hair how much hair you're going to have left after you finish this haircut and then you got to be clean with each other and everybody else. Quit hiding stuff, both of you. Wow, what a mess, girl. This is the Ramsey Show. Jade Walsh, our Ramsey personality, is our co-host today.

I'm Dave Ramsey. The phone number is 888-825-5225. Evan in New York asks, what advice would you give to a future millionaire? How do you mentally prepare for that day? And how do you avoid becoming a different person? That's a great question. That's great.

I feel like you're the one to answer that, Dave. Well, I mean, both of us can, because you hang around with a bunch of people around here that are millionaires and they hadn't changed a lick I mean George might have gotten a little snarkier I know I think that's just the way he was made and Rachel may have engaged a little bit more into conspiracy theories but that's the way she's made so you know, what usually happens, Evan, is that, um, the pro the average millionaire in our studies, it takes an average of 17 and a half years from the time you decide, I'm going to get out of debt. I'm going to pay off my house.

I'm going to invest in my 401k and I'm going to build wealth. And on average, it takes 17 and a half years. Some people do it in 10 years, but my point being either way, it's a gradual process, and it's not unusual at all for someone on the millionaire theme hour or the first time I meet them and they realize they're a Baby Steps millionaire, they haven't even added it up. They didn't even realize it. It's like, oh, look, our 401K went up in value.

The stock market jumped and that put us over the line so now we're millionaires because it's not a feeling it's a math thing and so you don't know it like in your bones it's not like a cold wind blows through or something to let you know right so um you know if it takes you 10 years to do something you're becoming a different person during that 10 years anyway and it's not a snot or a snob or a rich jerk or something like that you're just becoming a hard-working person who's diligent and investing and saving and so you've you've evolved from a an immature child which we all start out as, into a very mature, forward-thinking person. And so if you do change to a different person, it's very gradual, and it's not a bad person,

it's a better person. Not because millionaires are better, but the things you do to become a millionaire, the habits are all positive character habits. They're integrity, steadiness, dependability, diligence, thrift, generosity. These are the things you do steadily to become a millionaire. And that makes you a great person, right? Well, yeah. And I think that's very opposite of the stigma. I think in our culture, you think millionaire and it's like, you know, a guy with a cigar

and he's greedy and he's taking money from, you know, the poor and giving it. And it's like, that's not what this is at all. The truth is that's only in books or movies exactly in the real world i don't run into those people that's right but i think that that that picture has made earning money and like you know uh uh simon legree or something you know it's made it something to fear oh if you make money you know that you could you know yeah that's that's what i do know evan is this um whether you get money faster you get money slow money magnifies who you are and the more money you get the more magnified it is and so a generous person becomes magnified and we call them a philanthropist they support great causes all over the world and certainly in their own community as

an example but a person who has anger problems and is very self-centered you get money you turn them into a narcissistic puke right they're not you don't even want to be in the same room with them the rage level that they would have is unbelievable i run into very few of those um but and if there's crazy in your extended family they get crazier when you get money so i mean in effect it magnifies the good and the bad in your personal self and in your life but again generally that happens so gradually that no one realizes it and your most of your path is positive and so it's not really something to be afraid of and here's an interesting thing like a guy one of my bible teachers used to tell me this all the

time he said if you ask a question like this it's not going to be fine it's not going to be you it's the person that would never ask this question that's in danger it's a good point but if you ask this question you're a good man evan you're fine hey guys i am really excited while i was out one of the things we launched here on the show is a brand new partnership with a company called health trust financial to help with health insurance now health insurance in the past 15 years has evolved and deteriorated and the whole space is just a mess it's hard and basically obamacare has put about 70 of the health insurance companies and agents out of business and so the health insurance business is completely different now and to get proper care you really need a pro in your corner.

And the Health Trust guys, they've been one of our health insurance ELPs back in the old days, and they're the best people ever. And they really know what they're doing. They are now a Ramsey-trusted partner. They're who we send you to for health insurance. And they've been serving Ramsey fans as ELPs for more than 20 years and they're the only health insurance company we recommend they will help you get covered and getting health insurance you know under today's world it's almost mandatory but regardless

you should get it because the number one financial cause of bankruptcy is not credit cards it's medical bills and if you got no health insurance and you run up you have a little stay over in the NICU with a baby or you spend a little time in ICU you got a half million dollars laying on your plate and you're gone for most people and so health insurance is absolutely it's part of your budget from day one life insurance is part of your budget from day one life insurance is part of your budget from day one we recommend zander for that right so health trust financial.com these guys i personally know them i've worked with them as we said for 20 years they built a business in this new health insurance environment which is very difficult but they do a very very good job

and it can be the only thing that stands between your wallet and a mess so you don't want to go near you know if you drive by a hospital somebody called diagnostics sends you a 79 bill i mean it's the medical world is wild and so you do not want to enter a medical situation without good coverage and healthtrustfinancial.com our new partner can help you do that i'm really excited about these guys like i said i've known them personally for a long time we've been working on how we were going to evolve our program that we recommend and so this is now taking the place of the old elp program for health insurance great there program for health insurance. There's one health insurance ELP endorsed local provider nationwide called healthtrustfinancial.com.

And they will get you some help in your area or over the phone or over the web, whatever you need. healthtrustfinancial.com. They know their stuff and you got to protect your wallet, people. These things, these health issues, medical issues are just, man man it's just devastating when you're not ready to go ben is in peoria hey ben welcome to the ramsey show hey dave and rachel how are you guys doing doing great how can we help all right well i gotta say it is a pleasure to be speaking with you. I've been a longtime listener, huge fan of you guys. Cool. How can we help? So I'm calling about, I've heard you guys talk about the high-yield savings accounts,

and I'm just curious. I currently, my wife and I have our savings in just our small-town credit union. What's it paying? About 0.65%. That that would be like that would be sucking yeah yes and i've heard you guys talk about up to about five percent on the high yield savings accounts i'm just curious would you recommend specific um savings accounts for that specific places i mean there's dave just did a whole thing on uh services that we have, and we don't have a trusted high-yield savings account. Any ones that we mention are just ones that we personally use, and they've been fine for

us. So I know that George Campbell uses Marcus by Goldman Sachs, and I use Ally Bank. They've got 5% interest. So honestly, just a lot of them are those online banks. So it's low overhead, and they can offer these higher rates. So just do your research and pick one that's good for you. That's what I would say. There's no endorsed provider that we have here at Ramsey.

None of that was a paid endorsement. That's right. We've not checked those people out other than Jade and George put money in there. And here's the thing. You have to be prepared because those companies, they're banks. So they're going to try to sell you debt and they're going to try to do all those things.

You just kind of have to go me, me, me, me, me, and just... Also, ask your credit union if they don't have something. See, I'm getting ready to pull all this money out of here

if you guys don't have a good high-yield product and put it over in one of these click banks. And they may go, oh, we'll match it. They probably have something, they just didn't bother

to tell you. Maybe. So, I mean, most banks have banking products like this these days. It's the old money market. We've just renamed it and started a whole new marketing move around high-yield savings. That's right. Right.

It's not really high, but it's better yield savings. This is The Ramsey Show. Thank you. jade warshaw remsey personality is my co-host open phones at 888-825-5225 darlie is with us in uh fredericksburg virginia hey darlie how are you is it dar darlia darlia i said i can't i'll get it right eventually it is darlia correct yes okay how can we help hi um thank you for taking my call sure um so my in-laws loaned us forty thousand dollars last year um uh at four point five percent interest rate for five years um So we could buy a house on a loan assumption. And that loan assumption came at a rate of 3.125%. So we couldn't let that pass by. So instead of going to the bank to get 40,000, we loaned it from that while they offered to loan it to us. And we took them up

on that offer. So I had a baby in December. And so now I'm staying at home. But before I I had the baby and I'm staying home now, we got that loan down to $22,401 because we're kind of following the baby steps while we're trying to um so i'm we're just so now i'm i'm not working um my husband is a little iffy about going under ten thousand dollars because currently we have twenty five thousand dollars in savings and i'm kind of suggesting oh shut, should we just wipe out the loan with them? What does he make? He makes $76,000 a year.

Are you living on a written budget with the EveryDollar app? Spreadsheet and all. Okay. Cool. So very much in control of every dollar very much we we know where every single penny goes okay so you said you're trying to follow the baby steps right so yeah well wait a minute my husband i mean he he wants he's just nervous about going under ten thousand dollars yeah. Yeah, but the big...

If any emergency comes... Yeah, it's his parents. He's nervous about it. He probably feels comfortable because it's his parents. It doesn't matter. It doesn't matter. They're amazing people. It doesn't matter.

You're feeling it, and you're feeling it for good reason. For two reasons. A, it's debt, and your body's going to feel debt. And then two, it's debt that you owe to in-laws. Like, let's not make this... Thanksgiving dinner tastes different when you eat with your master and the borrower is slave to the lender. That's right. Yeah. Let's not make a complex situation more complex by adding debt to it. Right. So, yeah, if you guys have agreed this is the financial plan that we're following, then I'd hold him to that. And I'd say, listen, if we say we're

following in the baby steps, we need to pay off this debt and then rebuild our savings that's what the steps say that's what the plan is we said we are following that and I don't feel comfortable with this debt as your wife I don't feel comfortable owing your parents and if for no other reason this should matter because of that right I've told him that and he and he definitely understands um they're amazing people um we're not questioning their character yeah you don't need to tell me three times they're amazing people this was a stupid butt idea and y'all need to clean it up it was dumb you shouldn't have done it but you did it and now you have the opportunity to clean it up don't do it again you call so many

people dumb that now i'm appreciating that i've gotten to that level you're part of the club i didn't say i did not say you are dumb i said the idea and what you did was dumb there's a difference yeah i am not dumb and i have done some dumb butt things in my life quote dumb butt decision that's what it is i have done it i have done it so you guys clean this up get it out of your life you can feel it and you can it this is not an indictment of saying your parents are bad our parent laws are bad people they're wonderful people they were trying to be helpful they were helpful in a bad way but they were helpful they're trying to be sweet they're trying to get you what you want in life and they're not being mean they're not calling you every week and looking at your budget and judging you they're not

control freaks you didn't bring up any relationship issues these are not bad people that is not what the point is the point is you have twenty two thousand dollars in debt and you have twenty eight thousand dollars or twenty six thousand or whatever it is in your account write a check today and pay it off that's the point yeah yeah if it was on a credit card it'd be the exact same thing that we'd say that was a stupid but decision you shouldn't have done that now clean it up it's you got the money there write a check it's just it it just complicate it makes the more drama to the conversation because it's the in-laws and think about it like this you know your life has changed since you took that loan now you're staying home with a child.

That's an income that's gone. You have to ask yourself, okay, if we keep this debt around, what happens if there's another major life change? What if your husband loses his job? What if he's laid off? So there's a lot of variables here that a lot of times we don't let our brain think about because it's not pleasant. But when you carry debt, you are holding risk.

I don't care who it's to because Dave talked about Thanksgiving dinner tasting different. It would taste a lot worse if both of you weren't working. And by the way, we're not going to be at the $2,000 or $3,000 level in this, but for about 10 minutes in this account, because you're going to immediately start adding money to it, correct? Oh, yeah, right, yeah. So how much would you add to it a month? How much would you add to it a month without having these payments?

About $700, yeah, about $700 a month. Okay. And he's expecting a bonus soon and hopefully a promotion soon. Yeah, and a lot of that will go to it. So you're going to be, like by September, you're going to be right back up where you need to be, right? Well, we're going to be down at like three thousand dollars yeah after we pay it and you got a bonus and you got 700 bucks a month and 700 bucks a month if you don't

have this payment or currently 700 bucks a month um if we don't have the payment seven hundred dollars a month all right yeah um and it does freak them out because because we were doing we were following the baby steps when i was working and i went when i found out i was pregnant we were essentially just dumping money to this loan to them and it freaked them out they were like all right what are you doing i'm not i i'm not concerned about them freaking out that's their problem if they didn't want you to repay it they should have made it a gift they shouldn't freak out they ask you to pay them back you're paying them back stop with the drama just write them a check pay them back be done with it

and please don't do this again terrible it's just i'm telling you guys there's the i've in the 30 something years i've been doing this some of the saddest stories are the ruined relationships because somebody did something like loan their kid 25 or 30 or 50 000 to buy a house and then something goes sideways something gets out of hand and all of a sudden everybody's torqued up and twisted up and formerly nice sweet people aren't for some reason and i just it's bad y'all you're asking it's like if borrowing money on a credit card to do this is stupid just make it stupid times two to do it with your in-laws. All right? And again, I'm not calling you stupid. I'm saying what you did was stupid. Because I don't call people stupid except people in the financial world that tell you to do stupid things.

But you people that were trying to help, I'm not going to. Our job to help you heal is to tell you the truth. You don't want the doctor to go, you know, I think this little bit of cancer is going to be okay. Why don't we just leave it there? Right. You want them to say, no. Get it out.

Get it stupid. Try sunscreen, boy. You know, I mean, seriously, right? And golly. So you want people to tell you the truth if they're going to be healers. And we're not going to hold back. We're going to tell you exactly what it is because we got a lot of people to help and we love you and we want you to win. And that includes Darleah in Fredericksburg,

Virginia. But Dave, there's so many people who they are sitting on savings while they've got debt sitting over there in the corner. And the thought is, I don't like the risk of not having savings, but they don't entertain the other side of the equation, which is you must not care that much about risk because you've got debt sitting over here. Because you've already offset it. You know, your balance sheet still represents a broke person. That's right. The math has to math. You know, I don't want to be down less than $10,000.

Well, try going into debt and using up all your money then. Right. You know, that's a good way to solve that. And by the way, you can pass up any housing deal it's too good to pass up no it's not not if you can't afford it no it's not you can pass up the deal on that bentley too because you can't afford it help you with that that louis vuitton that 83 000 purse you can pass that one up you can pass it up if you can't afford it it's too good a deal no you can pass it up it's possible i see people do it all the time.

This is The Ramsey Show. jade warshaw remsey personality is my co-host today thank you you for joining us, America. A lot of you got questions about taxes because it's tax time, which means people are confused and pissed off. I'm not confused. I'm just pissed off all through tax time. It just makes me angry. I feel that. Dave, what's the difference between a tax deduction and a tax credit? Oh, that's a great question. a tax credit oh that's a great question a tax credit of a thousand dollars reduces your tax bill by one thousand dollars tax credit is superior to a tax deduction by 3x so a tax deduction the one if you have a thousand dollar tax deduction it come one thousand dollars less of your income is taxable. And so if you were in the 30% tax bracket, as an example, and you have a $1,000 tax deduction, it lowers your income by $1,000.

$1,000 less is being taxed at 30%, so the savings is $300. But a tax credit, the savings is $1,000. It's a one-for-one one and there aren't many tax credits they're usually associated with something like a a solar program or something like that there were a few back in the day a thousand years ago on some real estate stuff we used to do uh if you did like a lower income housing development you could get tax credits for that stuff like that but the um but most things are if there's something associated with this will be called a tax deduction and basically you don't want to pay to create a tax deduction that you see that you didn't need because basically you're going to spend $1,000 to save $300.

So it's trading a dollar for a quarter. I feel that. So tax credits are better than tax deductions by about 3x roughly. So there you go. Go to RamseySolutions.com if you need more information on taxes. We can hook you up with one of our tax pros if you have a complicated return. And these Ramsey Trusted Tax Pros are excellent, and there's hundreds of them all over the nation. Ramseysolutions.com slash tax. If you've got a simple return, just use our simple Ramsey Smart

Tax software, and it's a lot less expensive than the other guys. And we're not going to try to sell you a bunch of crap like they do. They're trying to get you in credit card debt and everything else, get you to borrow money on your refund, all this other stupid stuff. We're just going to help you do your taxes, and it's less expensive, and no hidden fees on the smart tax. So check both of them out, and we'll help you out. It's what we do. All right, AJ is next in Dallas, Texas.

Hi, AJ. Welcome to the Ramsey Show. Hi, Dave. How are you doing today? Better than I deserve. How can we help yeah so i've lived here in texas for most of my adult life now and you know everything is going well i'm completely debt-free paid for house own a business um happened and i've also been single for most

of my adult life but happened to meet a lovely woman who lives in California. And she has her heart set on staying in California and would like for me to move there. And I know the cost of living discrepancy, and I have a bit of sticker shock about the prospect of moving out there versus trying to convince her to move here or at least have a hybrid situation where she would live here part-time and I would live there part-time. What kind of work does she do? Does her job keep her in California? Yes, it does. She's in the medical field, so she has to stay out there. No, no. What does she do in the medical field so she has to stay out there no no what does she do in the medical field uh she's a therapist okay they have therapists in texas correct there's a bunch of um yeah luckily

i'm in a position where i can work remote i have an e-commerce business and i can okay how can we help you aj yeah so you, just wondering how to best approach this, whether it's getting a second residence in California while maintaining a residence here. It's not that. Listen, you need to decide if you're going to have your cake or you're going to eat your cake. You can't have your cake and eat it too.

We're either all in and we're married in California, or we're all in and we're married in Texas, or this is a mistake because our values don't match up and we're not going to be a good couple, even though she's sweet and pretty and all that, but it doesn't match up. In other words, if she wants to live in California more than she wants AJ, that may be a reason to tap out. How is she doing financially in California?

Does she earn enough that her quality of living is fine and she has no debt? Well, and that's the thing. She doesn't have any debt, but she doesn't save any money either, whereas I've accumulated a whole bunch of money over the years, and I am financially set. You know, my house here would be probably three or four times as much if I were to buy it in Southern California. So what is it that's so appealing to her?

Because California has lost more people in the past 36 months than any other state in the union really it's a matter of her family being close by and she doesn't want to move away from them is your family in Texas no my family is on the east coast and so I don't really have any ties here other than I've lived here for a pretty long time now. Yeah, AJ, I think the only advice that I can give you that is accurate is to not try to create some kind of weird thing that makes you think this works. This really is going to come down to you deciding, I want to be in California with her more than I want all of the things I have built in Texas, the life I've built in Texas, or vice versa. It's a matter of, you know, heart versus, you know, the financial part of it.

And they're both playing together in a lot of ways. Yeah, it's, you know, it's a little bit. Well, I guess I guess it works both ways i was going to say it's a little bit off-putting that the only way you get me is you live in california but um but it's also but if you go the other way too the only way you get me is if you live in texas so uh that's just as off-putting i guess but what you're saying when you say that is is you like being near family you like living in california more than you like aj and if you say that to her you're saying i like texas and i like my situation here and the cost of living and the fact i can save money more than than i like you if you're not willing to come over

here i'm staying but here's the thing i think both of you can approach this with the mind that none of it has to be permanent, right? Maybe there's a situation where you go, okay, let's try it. Let's try California. Let's try it for five years and we reconvene after this. Is it too expensive? Is it getting crazy there? After being married 17 years, it's like so much changes over the course of a year, over the course of three years. Forget five, 10 years or a decade. So I don't think it all has to be set in stone, but to Dave's point, I do think it is worth exploring what's most important to you. I think you're early in this relationship,

and neither one of you are willing to give up your current life for the other one, and that's a red flag for me. Red flag, yeah. On both of you, that's a red flag. Yeah. You know, it's hard to teach old dog new tricks. You guys are pretty set in your ways, both of you. True that, true that.

And so, yeah, because I kind of understand that. I mean, we had the opportunity several years ago when we built this complex, this campus for Ramsey. We had a lot of other cities in other states wooing us to bring this 1,100 jobs somewhere else. And, you know, we were able to work a deal with this county in this state and stay here. And also the other thing that happened over the years is, you know, they told me back in the day when we were doing talk radio that, you know, you can't make it in talk radio. You're never going to be a big deal. If you're in Nashville, you got to go to L.A. or you got to go to New York.

Yeah. To which I said, I'm not going to be a big deal if you're in Nashville. You've got to go to L.A. or you've got to go to New York. To which I said, I'm not going to be a big deal. I'll be in Nashville because I'm not going to live in L.A. or New York. So I'm the same way. In other words, I'm just as stubborn as she is or you are. Well, I want to cast my vote on this only because I think our votes will be different. I would cast my vote for California simply because if he had said, oh, she's accumulated all this debt

I'd say wow she can't afford to live there but she's debt-free and her family's there and he doesn't have family in Texas and he's doing very well financially his job is remote for that reason my vote would be California not that this matters at all by the way it's just me saying my piece uh my vote would be get a different girlfriend for that reason alone we're out tap out there you go yeah i'm just thinking nah this this was a miss good swing but miss you know uh what do i know though i'm old i haven't dated anybody other than my wife in 43 years, so I don't know nothing. I don't know nothing. I'm an out-of-touch boomer.

If you don't believe me, just read the comments. This is The Ramsey Show. Thank you.