The Ramsey Show - App - My Partners Stole My Intellectual Property And Opened A Rival Business (Hour 2)

Episode Date: July 4, 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. Jade Walsh, our Ramsey personality, is my co-host today. Thank you for joining us, America. We're going to talk about your life right in front of you. Talk about you right in front of you. The phone number is 888-825-5225.

You jump in and we'll talk. Michael is going to start this hour. He's in Dallas. Hey, Michael, how are you? I'm good, Dave. How are you guys doing? Better than we deserve. What's up?

Nothing. So I'm in an interesting predicament. I've incurred about 60K worth of debt trying to survive a lawsuit. I started a company with four gentlemen down in Austin. Things were going well. This started right at the beginning of COVID and we progressed for about three years. Towards the end, there were some, let's say, vision differences. And me and my partner ended up selling the company out of Houston. And two of the other gentlemen, our CTO and our CRO, basically stole all of our intellectual property. And the problem lies, I have about,

um, roughly about a $250,000 stake, um, that I'm, I'm kind of chasing trying to figure out what I should do and whether or not I should, I should give up and call it quits. Um, but things have come basically sucked me dry, and I'm getting kind of desperate. So, yeah, I was hoping to get some guidance. Well, I don't borrow money, and I hate your position because this kind of stuff, I'm a redneck. It makes me mad.

I want to fight to the death. Yeah. And yet you simply don't have a war chest yeah and yeah you could go you could go another sixty thousand dollars in four years in debt and still never see any of this yeah because about the only thing we're all sure about the court system is that it sucks yeah i mean even if you're right it sucks it takes forever and a lot of money to prove you're right and so no one ends up winning as you figured out but the lawyers yeah even when you win you lose and and the other opposing party uh one of the gentlemen his wife

is a lawyer she's actually a partner at firm, so they've been very successful at just burying us in every which way they can. Yeah, they're just kicking the can down the road, dragging it out and trying to starve you out. It's not a bad strategy on their part, actually, but yeah. That's why we hired him. I mean, you said your

stake in this is $250,000. Maybe. Maybe. Yeah. That's essentially what my payout would be. But because they have stolen the intellectual property and done a split off company, the company who bought us pretty much put a pause on it until everything is resolved, because that's what they paid for. And through just a number of loopholes I won't bore you with,

they've basically been able to pull all of the, I guess, most relevant information and the most critical things that we would need. And, you know, they're really just kind of holding it at this point just to hurt us or harm us. So they're not competing with you with the IP yet, but they've undone your sale by holding the IP. Correct. Correct. Yeah, they have the inclination.

Like they're starting a company that's supposed to do something similar. The company that you're sold to, do they have deep pockets? They do, yes. I'd cut a deal with them. Go to them and let them fight it and tell them you'll deduct the legal fees from the stake that they owe you. Yeah. They owe you. Yeah. They owe you $250 if you win, right? If you don't win, the company that bought this has got nothing.

Yeah. Because they've got a competitor in the marketplace, and they don't even have access to the IP right now, you're telling me. Correct. Yeah. So they've got to win or their sale is bad and what they're doing is they're saying we're not going to pay you the 250 until you give us what we bought which included the ip right correct yeah if i'm that company and you came to me i'll go knock them in the nose because

i got the money and i did this deal to start with so in other words they owe you 250 if they spend 150 on this uh to get it you're gonna get 100 yeah the the more you don't get otherwise we we have a number of investors i'm probably the smallest split of that the total sale of the company was 10 million dollars yeah well i would go to some of them then and do the same thing yeah and just go guys i'm out i can't i can't do it anymore i i can't i'm not financing this on a credit card this is stupid i can't i i'm not i don't have big enough war chest to stay in the fight you know i reached my end so i i'll give you if you'll give me credit towards it or or i'll even discount my share um and then you you know take my share of the legal fees out

of it and pay me out if you win good luck i'll be happy to sign it over to you on that basis. Yeah. Yeah. Well, the, the, the issue too is I'm, I'm probably the smallest fish in this entire equation. I'm only 28. Most of these people are 40,

just, you know, longer careers, a little bit more of a war chest. Like you said, yeah. My only concern is one, if that were to be the case,

I would get some sort of payout and then they end up losing. Right. Then you won't get of payout, and then they end up losing, right? Then you won't get a payout. Yeah. They're taking the chance then, not you. That's why you would discount your share. Okay. So if one of the other investors said, okay, we're going to continue the fight,

you can't, and we'll continue it on your behalf. We're going to take your pro rata portion of the future legal fees out of your share, and we're also going to discount your share since you're not in the fight anymore. That'd be a deal for you. And it's not a bad deal for them because you're tapping out either way. Because if you tap out and do nothing and they go win, you're going to get the full thing. So it's a better deal for them if you offer to let them continue the fight on your behalf and you give them credit for that that's a better deal for them how many because there's like 10 or 15 people playing in this

you're saying yeah yeah this is not this is a complicated mess yeah wow go. Some people's children. Yeah. Man. Yeah, that sounds very, very, very stressful. There's a lot of money at stake there. You just can't stay in it, Michael. You've got to find a sugar daddy to keep you in the deal. Yeah, well, yeah, because if he tries to do this, he'll mess around and spend all his stake on lawyer's fees. Well, even then, at least he wins, but he gets nothing. That's what I'm saying. He won't even get anything for anything if he goes to $150,000 in debt and then loses oh then he's yeah double completely screwed yeah you know so you just got to stop michael you got to stop but i would sell out my part to somebody the buyer or the other investors or somebody

at a discount yeah um in today or if they want to give you cash, that'd be awesome. Or better yet, I would discount it and offer to have them reduce the amount by my share of the attorney's fees going forward, my 115th or whatever that ends up being. Like you said, you're in an untenable situation. This is why we don't believe in partnerships around here, boys and girls. The only ship that won't sail is a partnership. This is the Ramsey Show. Jade Warshaw, Ramsey personality, is my co-host today. Open phones at 888-825-5225. Hey, if you like what you hear, please subscribe to the show, follow the show,

leave a five-star review for the show, and share the show. When you do all of those things, it helps us. We need your help. It's a way you can help us. We appreciate you. Let people know that we're here. Gonzala is with us. Gonzala, how are you? I good how are you better than i deserve how can i help well thank you for what you do um i am six months into a

cash value insurance policy i'm sorry life policy uh yeah uh this was before I started hearing your podcast and the way you feel about that. Those type of insurance. I did stop contributing to my 401 to make the payments for this because it's, you know, the payment's about a thousand bucks. I do have some of my 401 still, you know, I'm still contributing to it, which is the amount that my employer matches. So I'm taking advantage of that. So I am six months into it, and I wanted to know if I stick with it or you think I'm better off cutting my losses. If you had a suitcase of money laying in the back seat

and the back door flew open and it was flying out, what would you do? I'd probably stop it, yeah. Yeah, you'd probably close the door. End it. Yes. That's what's going on. You're getting screwed, man. Big time.

It's the world's worst. I mean, the whole life is the payday lender of the middle class it's an absolute horrible set of mathematics it's the worst investment product on the market by far the only people correct that sell this stuff are the people that sell this stuff they're the only people that believe in it i mean all the rest of the financial world looks at this and goes, oh my God. And it's just, it's trash. So yeah, you need to do your investing in real investments, not in something that has a poor rate of return. And when you die, they keep your money. And that's what whole life is. Now this policy, this whole life policy, before you do get out of it, we want to

make sure that you get into a term life policy at the very least have you got good term insurance in place already i have about the same amount uh benefit a couple of separate uh policies so i i don't necessarily have the need for it um the the reason why i went with this was... It was an investment. I mean, that amount being tax-free, correct, and no taxes at the end. That was the selling point, and that's what got me... You know why there's no taxes at the end? Because you didn't make any money. And they never tax you when you don't make money. Okay, so...

If you put money in a mutual fund and it does not go up in value there's no taxes at the end correct if it goes down in value there's no taxes at the end if they take so many fees out of it that the net net net to you is no gain there's no taxes at the end oh and by the way when you borrow money even if it's your own money you're borrowing which is what a whole life is borrowed money never has taxes. You go get a loan at the bank, they don't give you a tax on that loan. There's no income tax on borrowed money, even if you're borrowing your own money. And so if you put a CD in the bank and then you go borrow against the CD and take out a loan, there's no taxes on that.

Of course, there's no taxes on borrowed money. So that's the biggest scam in the freaking universe. there's no taxes on borrowed money so that's the biggest scam in the freaking universe there's no taxes of course there's no taxes because it sucks yeah they don't usually charge you on something that sucks this bad yeah please please please please cancel this stuff please cancel i hope i haven't been unclear all right matt is in baton rouge hey matt how are you i'm doing well, sir. Thank you for taking my call. Sure, what's up?

I just have a quick question. So I'm a relatively new listener, and I started listening just in time to hear you talk about the bank craziness going on. And I'm just curious. This might be a really stupid question, but how can the FDIC insure every deposit under $250,000? Where do they get the money in? I'm not even exactly sure what the FDIC is. Could you give like a brief crash course rundown? Sure. It stands for Federal Deposit Insurance Corporation. it's the federal government writing insurance against your bank's failure.

Now, do they have a pile of money equal to everyone's covered amount? Absolutely not. But your insurance company does not have a pile of money equal to everyone at State Farm totaling their car this week either. If everybody totaled their car at once, State Farm's gone. They don't have that much money. Gotcha. Okay?

What they're running is they're running probabilities, statistical probability of this occurring. And so if enough banks went down at one time to destroy the amount of money that the federal deposit insurance corporation, the federal government, could get their hands on, that means the entire American economy has collapsed and you should buy a gun. Gotcha. Gotcha. So it's publicly funded. No. Well, Matt, think of it like how your insurance works.

If you have State Farm, everybody's paying their premium, and they're paying into this big pile of money so that when somebody needs to actually use their insurance there's money there and it's the same thing with fdic these insured banks are paying premiums to fdic okay so there's a big stack of money the banks fund the fdic with their premiums but they don't give it enough money to cover all bank failures that are simultaneously occurring. No. Gotcha. But it is a lot of money.

It's plenty to cover anything that's actually going to occur. Yeah. But the mathematics are, to your point, Matt, the mathematics are just like if all of State Farm autos got totaled in one month, they don't have the money to cover all that because they're running it on probabilities. And so this is an insurance policy based on a projected number of bank failures in a given decade plus a lot. And so it's a very conservative set of mathematics,

meaning you could have a whole bunch of banks fail. We had a lot of them cashed out FDIC and went belly up. FDIC took them over, resold the banks. The sale of the bank, the money goes back into the insurance policy as well to cover. But that happened in 2008 a lot more than in the last three or four months or so. But if you had 25,000 banks crash at one time, there's not enough money. And by the way, if 25,000 banks crash at one time, life as we know it in America no longer exists.

That's right. There's a whole lot of other crap that goes with that. That can't be just an independent thing. You've got to understand that if that occurs, everywhere you shop is out of business. Oh, yeah, we're looking for clean water and supplies. Exactly. Yeah, we're not looking for gold.

Yeah, that's exactly what we're doing. But it's a good question, and it's good something to think about. And it's good that we do a little bit of education on it occasionally here. Jason's in Dallas, Texas. Hi, Jason. How are you? jason how are you hey how are you today better than we deserve how can we help appreciate you taking the call and condolences to your college suzy as well that was really sweet what you did for thank you um

with her losing her husband so um you know i have i have some issues and i have some kind of questions i'm sure that you get to the questions through the issues. But a few years ago, probably four years ago, my wife and I picked up and moved from our home in Los Angeles. We moved out to Texas. It was about a year before the pandemic. I felt like something was going to happen just seeing where L.A. was going. Jason, I don't want to be rude, but I am up against the clock.

Go ahead and just ask me your question. So we have a new business and a new baby, a lot of debt. When I had the baby last year, I was trying to pay us a top salary, but I feel like I'm now bleeding my first baby, which is this new business. I'm trying to get my real estate license to supplement some income, but what do I sell? What do I get rid of to prioritize the debt while also keeping up with this big new thing in my life, which is just trying to raise a new kid. Amen. Well, very cool. Hey, we're going to put you guys through Financial Peace University too, because I am up against the clock. I'll make

sure you get served, okay? But in the meantime, you got big hairy car payments? Get rid of the big hairy car. You need to prioritize very carefully and keep that business running because it's the golden goose that's laying the eggs. But don't leave a bunch of extra money down there and don't do a bunch of reinvestment down there. Take it home and clean up the mess at home. It's a balancing act between the two. I wish I could give you a more detailed answer. Hang on. Austin will pick up for you. Jade Walsh, All Ramsey Personalities, my co-host today. Thank you for being with us. Caitlin is in Milwaukee, Wisconsin. Hi, Caitlin. How are you? Good. How are you?

Better than I deserve. What's up? So I guess to get short with it, I need to figure out how to essentially get my spouse. He is mentally on board with me, but not physically on board with me in not just baby steps, but financial aspects in general. he has a bit of a addiction with uh instant gratification okay um it's not an addiction it's not an addiction it's just immaturity um that's a very good point yeah how old is he? He has the same age as me. He's 32. Okay. How does that manifest?

What does it look like, his spending? We'll put it in addiction for quotes right now. Sure. So he is pretty, he's gotten a little bit better. I'll give him that credit. But he is pretty selfish. Some examples are instead of, I mean, the family car was a decent family car, one that fits the kids. We unfortunately outgrew it, not to him knowing.

But then he, instead of just leaving it as a daily, he needed to lower it, which makes it more expensive and ruins the car more. Then he needed to buy a customized steering wheel that absolutely wasn't needed. Then he needed to do this and he needed that. He souped up your family minivan? Wow. So not the minivan. It was a wagon.

It was his daily that would still fit us at the time. Not anymore, but at the time would fit all of us. And then I had like a daily that would fit all of us. And is he creating debt while doing this? Oh, I can't even argue. I can't even, like, fathom the amount. Like, being a person that before I met him, I bought my own house as a single mom,

it completely destroys me. Like, I have so much stress from everything he's done. Actually, the last year I spent curing, like, stress seizures. Wow. Okay. You said you had children. how many um we have three children um one of them is not biologically his but he since day one has taken care of her like he has said she is okay all right well i i this is not a money problem it's not a budget problem

this is a marriage it's a marriage problem and so uh we end up backing into those sometimes through budgeting and that kind of stuff but there's budgets don't control people people control budgets or don't or in some cases don't do a budget or in some cases don't live with a budget but budgets aren't they don't have any magic powers it's just simply a roadmap. Maps don't control people. You just look at the roadmap and am I going to go down the road or not? You know, that's all a budget is.

It's just a map. And so, and wives don't control husbands and husbands don't control wives. As much as they'd like to and as much as it would be awesome if we could pull it off, we just can't do it. And so what we've got here is, as you said, selfish and immature guy who's putting his own impulses ahead of the good of his family. Have you guys reached out to a counselor? That's what you need.

Yes. So we've done marriage counseling already um that i set up that then he denied you're not done marriage counseling but he was ready no i know so we've done these things because that's where it's led to um i've also he went two times to the one i set up and then he denied going because he was essentially being blamed for things and he didn't like it he's getting defensive and it's like well not saying that i'm perfect but you know your selfish habits are creating an issue um then he set up marriage counseling he also more recently is going back to therapy for himself for himself okay years ago but he is going now um and now he

is seeing a and i don't remember the difference between psychiatrists and psychologists but technically i guess being both so he's got a lot of stuff going on huh unfortunately yes um yeah the the first thing you said when you said hey we went to counseling he didn't like my counselor because this isn't that i will say both spouses need to feel good with the counselor because you know sam and i you know we've gone to counselors and it's been like i don't like her or i didn't like him and you do sometimes have but if you don't like them because they're telling you the truth that's a problem yeah that is a problem yes i mean he also didn't

like it but guy didn't get his name right a couple times which i won't argue you know whatever but um but yeah it was mostly because of he's telling him the truth and he doesn't want to hear it yeah that's so he is going and he is going for himself uh that's good i think the hard part with this is this is not necessarily going to be mean that next week things are different right like this is something that's going to play out over time um and he's still actively creating debt for your family at this moment in time right or no that's unfortunately yes even though we try to work out things that you know give him leniency isn't really the word um and the debt is to have if he's if he's running these things up on credit cards is your name on

the credit card or is it just these are cards that he's pulling out and he's doing this on his own so he he had like one in my name that he put into collections that then i paid off because i was also on it trying to help him build credit from when we first got married okay and that one's closed um yep and that one's closed um he did have he's got three of his own. He hasn't touched credit cards in a couple of years. And then he, then I, you know, he, we kind of discussed how we're going to make things work. And I asked if he was ready.

And so he got a $300 limit back like two weeks ago. And he racked that up. Plus he had a hundred dollars cash. So he spent $400 about five days. So I took the credit card away. I was like, you clearly aren't ready. You told me you're ready. Well, I think as a rule of thumb in your family in general, you need to cut up all the credit cards and no one uses them. No one uses any more credit cards. So that's thing one is we just don't operate on debt anymore. I mean, my screen says that, you know, if you're trying to do the baby steps, like you definitely cannot use credit cards anymore. So those get cut up. And then after that,

yeah, you probably do need to have a really a real conversation about how his access is to this money if he's just going to go off and spend five and six hundred. I mean, that is that's a scary position to be in, Dave. Caitlin, at some point through you working with a counselor or working and or working with his counselor the day is going to come and it's coming pretty soon based on the tone of your voice that you're finally going to say something like if we can't get on the same page with money and you can't be a grown man and take care of your family instead of buying freaking steering wheels then i'm not going to be able to be here anymore because you're terrifying me i am awake at night i've never been in debt like this you're-control, childish behavior with money is terrifying me.

I can't live like this. So if you can't be a grown man and learn to control your impulses, you're not a 12-year-old little boy. You're acting like one. But if you can't be a grown man and we can't get a bead on, we're going to manage our income together for the good of this family that will include you doing some fun things and me doing some fun things, but it's going to include being a freaking responsible grown-up.

And if we can't get to that point, I'm not going to be able to be here and you need the guidance of a good counselor on how to say that and when to say that i'm not suggesting you hang up the phone and say dave ramsey said that sure but i'm telling you if you do not get there systematically and begin to put that in front of him one day here's what's going to happen. And I know this because I've counseled thousands of couples. You're going to have that little switch that particularly ladies have down inside them, and it's going to blow a fuse, and you're going to be done. And no amount of talking, and no amount of conjoling, and no amount of logic, and no amount of talking and no amount of conjoling and no amount of logic and no amount of preachers and no amount of nothing is going to get you back in the marriage. You're going to wave

bye-bye because you're going to blow a gasket and you will have had it. And I've tried to reel these ladies back in after they've blown it and show them that the guy gave he gave in he gave in too late she's gone all you see is her back walking away she's done you wait you just kept on you kept on you kept on you kept on until she blows a freaking gasket and you're it's in your voice i can hear it so you need to keep away from that gasket blowing by getting some coaching on how to bring him to bear before you don't care if he comes to bear anymore this is the ramsey show jade washall ramsey personality is my co-host today if you're ready to buy your first home in this market it's not because of luck it's because you've been putting in the work you've been kicking butt you've been budgeting you've been saving and we're fired up for you we don't want

your hard work to go to waste buying a home is the biggest purchase you'll ever make so the last thing you need to do is fly solo or work with some kind of brand new sweet little real estate agent that doesn't know what to flip they're doing even if it's your aunt susan i know she's a nice lady but you don't leave this up to an agent who's good enough you need great a ramsey trusted agent is a great agent they set you up for success before after the closing day during the closing find the right house keeping you on track with your goals and making sure you're confident in your decision. Ramsey trusted pros get our stamp of approval because we know they work hard to serve you not to pad their paycheck. You've worked too hard to buy your first home with anyone but the best.

Find a Ramsey trusted real estate agent by going to Ramsey solutions.com slash agent Ramsey solutions.com slash agent. Mary is with us in Tampa. Hi, Mary. Welcome to the Ramsey solutions.com slash agent Mary is with us in Tampa hi Mary welcome to the Ramsey show hey thanks for taking my call Dave sure what's up so um I don't know where I should start but um I've got over $85,000 with a debt with my husband um that we've incurred over probably the last 15 years, been having trouble paying it off. So we're married for now. I'm not sure how much longer because I talked to a lawyer. He calls him a schmuck, basically.

A lawyer or your husband? The lawyer calls my husband a schmuck. Oh, that's nice. I know. Isn't that beautiful? I have a high school graduate that's going to college in August. We have a special needs daughter who's 13 years old. And I didn't work for like eight years, but I went back about seven years ago,

and I worked my way up, and I'm making about $75,000 right now. And he's finally, he had his own business, not doing anything, lost our butts trying to sell our house and, you know, using our profits to pay off all the debt from his business. But he finally has a job, a stable job in the past year and a half. figure out how to pay off or how we're supposed to pay off this debt. And, and gracefully exit out of the marriage. We had to, we're renting it now because we sold,

we sold our house. Let me stop you a second. Okay. How long have you been married? 17, 18 years. I'm sorry. Longer than that.

24. My dad. 24 years. Yeah. My dad. 24 years. Yeah. Lost track. Why is your marriage over? It's been mentally checked out for some time for many, many years. He worked a lot, um, worked a lot trying to make money, did it in the beginning and, um, eventually nothing. And then the lockdown hit and we were able to stop some,

some of the pain of not having money, but I've been working. So, um, a year ago he told me he had a relationship with someone. And so basically there's the part I was, I was waiting for the schmuck part. Have you filed yet?

Have you filed for the divorce yet? No, no, I just, I, I just, I can't afford to like, I don't know. I'm in Tampa.

Everything's ridiculously expensive and I can't. I've been looking to see what my options are, but I can't afford to live alone right now. Didn't you say you make $75,000 a year? I do. People make $75,000 a year, live by themselves all the time in Tampa. That's above average. They don't live in your neighborhood, but they live in Tampa. They already lived out of, yeah, but we lived out of the neighborhood. We live on the fringe, so to save money, because rents were about $1,000 more where we were at. When you talk to your lawyer about this, have you done any research to find out what the cost is? What might happen with your debt

that sort of thing i don't know yeah i don't know what happens with the debt and i'm not sure if i remember asking him about the debt um i just know that everything else is no fault so basically we just kind of walk away it's not like one of us makes more than the other person right now. And my husband wants to consolidate the debt. What kind of debt do you have, honey? So it's $85,000 in credit card debt. We paid off our HELOC and all this other stuff we had when we sold our house. So we were pretty much left with nothing after we sold our house. Okay, and I guess all the credit card debt is in both of your names.

Yeah, the one card's in his and two are in mine. But is it about half? Yeah. The two that you have are about $42,500? Yeah, they're all $30,000 across the board. And this is hard making the payments. Okay, so you're $75,000 a year, single mom, that has $38,000 in credit card debt after the divorce, right?

Mm-hmm. And you have a special needs child. Yes. And he would hypothetically be paying child support. Mm-hmm. I don't know. Yeah, for him, yeah, my other daughter's gone now. I don't know. Yeah. For him, yeah. My other daughter's gone now.

She's 18 now. Yeah. So hypothetically, he'd have child support on the special needs child, right? Yes. Okay. And so you're, I'm sorry, this is a very sad situation. It is. But you're not mathematically trapped.

Mm-hmm. Lots of people make $75,000 a year in the Tampa area that have $38,000 in credit card debt in one kid. Mm-hmm. Lots of people. We have a lot of health expenses because my older daughter actually has more health issues than my younger daughter and my special needs daughter.

They both do, actually. Yeah. So we're constantly running the doctors doing surgeries doing different things uh car repairs and just but that it just you know that's not going to change yeah you're not stuck mathematically you're not if you want to be you can decide you are but the numbers you've given us has not got you stuck in this and if he's having affairs and you're going to end the marriage based on that then you're going to have half of the credit card debt and you're going to have the care of a child

and you make seventy five thousand dollars a year and you're going to go rent an apartment. I think what I'm hearing is you've never been in a situation where money is managing, where money is being managed effectively, right? And now you're about to go off on your own and you don't have the confidence of knowing I can take this $75,000 a year and I can manage it effectively. It can be, because it's never been enough before, right? So you don't know, like inside your body, you don't know that this is going to be enough, that I'm going to be able to take care of my kids, that I'm going to be able to pay the bills, and I'm going to be able to pay this debt off.

You don't know that. That's- I mean, you understand that the story you told us has you all mathematically, with him working and earning, you working and earning in the best place you all mathematically in with him working and earning you working and earning in the best place you've been in probably a decade mathematically you're in the best place relationally obviously relationally obviously you're not in the best place she doesn't feel that she doesn't you don't have any respect for him because he didn't make any money during this time he's a schmuck because he slept around on you um and so relationally you got those things

to overcome for this marriage to survive if it's going to survive but mathematically you're in the best place you've ever been because you know with his income if you if the marriage survived with his income and your income if you both decide to manage money together you could clean this mess up rather quickly but i don't know we just we-signed our lease that's 2300 i mean where we're at that's like the cheapest that we could get so we just renewed our lease that doesn't sound like someone that's filing for divorce to me who's filing for divorce that re-signs a new lease for a year well i don't know i don't i just i don't either who does that too much going on mental i don't know i think you just made a choice thinking yeah yeah yeah she was like i have no

choice yeah i have no choice you well you had a choice but you felt like you had no choice but you're taking your choices away but if you want to be stuck i'll yeah i'll tell you you know you can be stuck if you want to be but you're not stuck so um you know i i think that you guys could sit down with a good marriage counselor and invest some time and energy into this 25 year marriage and give this a shot since you just signed a one-year lease i kind of think you want to do that deep down and by the way if you ask a divorce attorney if you're supposed to get a divorce a hundred percent of the time they say yes it's like asking a dog if it's hungry this is the Ramsey Show Dave here. You can find all of our shows with the Ramsey Network app on your smartphone.

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