The Ramsey Show - App - My Wife Wants a Bigger House… I Disagree (Hour 3)

Episode Date: February 24, 2022

  Dave Ramsey & Dr. John Delony discuss: What to do when house fever strikes, How to prepare financially for a divorce, The difference between helping and enabling, What to do when a career change is forced on you. Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiX  

Live from the headquarters of Ramsey Solutions, it's the 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, Dr. John Deloney. Ramsey Personality is my co-host today. As we answer your questions about your money, your relationships, your mental health, your anxiety, your job, your career, anything having to do with your life, marriage, parenting, it's all here. It's called The Ramsey Show. The phone number, 888-825-5225. Joe is in St. Louis. Hi, Joe,

how are you? Hey, Dave, how are you doing. Louis. Hi, Joe. How are you? Hey, Dave. How are you doing today? Better than I deserve. What's up? I called you. I discovered you about seven years ago on the radio. And I'm 71 years old. My finances

all my life have been up and down. And I can tell you that I paid my mortgage off yesterday. And I'm debt free. Way to go, Joe! Awesome! And it's never too late. It's never too late to learn.

And I learned from you. And that's what I called you about. I'm a little nervous now, but I took 99% of your advice. I didn't do it all, uh i took 99 of your advice i didn't do it all but i took 99 and i want to tell you and other people out there it's never too late so you're starting you're starting your mid-60s and you paid off your house when you're 71 i'm so proud of you i paid it off yesterday that's awesome what's this house worth? Oh, about $150,000. Look at you with a paid-for house. I've been up and down in finances and income all my life.

And I live paycheck to paycheck until you. And I just wanted to say thank you. Well, thank you. You're an inspiration, sir. But it's never too late. I appreciate the honor you called. Never too late. Never too late.

So what's your house worth, you think? You said $150? About $150. You said $150. Yeah, about $150. And you still working? Yeah, I'm retired, but I work part-time. Okay.

But my finances have never been the way they are now, just because of you. So you not only got a paid-for house that gives you a sense of peace, but more importantly, you have a sense that you're under control. Oh, yes. I've never been under control in all these years with my finances. They've been up and down. I had a lot of things.

I lost a lot of things. I lost a lot of things. But I'm at peace right now. You are now. I'm sitting on the banks of the Mississippi River, and I'm looking at bald eagles flying up and down the river right now. Life is good, Joe. It doesn't get much better than that. Thank you for your gratitude, my brother.

That's awesome. That's just beautiful. Just beautiful. Thank you so much. Robert is in Modesta, California. Hi hi robert welcome to the ramsey show hi dave thank you for taking my call sure what's up um actually i've only listened to your podcast maybe three times started this week wow i'm surprised i actually got through to talk to you welcome to the gang man welcome in brother tell me about two months now that i needed through to talk to you welcome to the gang man welcome in brother tell me about two months now that i needed to listen to you um we're kind of me and my wife are i don't

know if we're on the same page here she's 48 i'm 54 i make a hundred thousand a year just over that um as a paramedic um here in california and we are three300,000 up on equity in our house. I have about $600,000 in 401k, $75,000 in cars, and about $30,000 in debt. That's a student loan and a credit card. My wife wants to go to a larger home because we are a smaller home, four of us here, a 19-year-old, 15-year-old, me and the wife, and we're just running out of room here. She wants to go to a larger home. To me, that's a larger payment, a little less stress on us space-wise, a little more stress on us financial-wise. She advises if I do the Ramsey thing, then we'll find the money type of stuff.

Is it a bad idea to go to a larger home? I'm sorry. The last part about the Ramsey thing, say that again? She says if we start doing the seven steps and doing the Ramsey method, that it'll all work out, that the more payment is not going to be that big a deal because we'll find the money somewhere else. The baby steps aren't pixie dust, brother. Yeah, that.

The problem is that the Ramsey thing is going to cause you to not go get a home because you have other debt you've got to clean up before you talk about doing that. $30,000 worth. Okay. You don't move up and home until you get that mess cleaned up. The consumer debt that you've got. Right. And you're running out of room in your house you

got a 19 year old that shit will probably be taken off soon you got a 15 year old that's just got a couple years left i mean this sounds rather relatively temporary right yeah you were running out of room 10 years ago yeah now you're not running out of room now they're running out of the house yeah we've been in this house for 20 years that sounds like more of the issue than the space issue is y'all want to go do something i don't mind you all moving to a different home even a more expensive home i would not do it because you're running out of room because your kids are about to leave in an eye blink uh i'm with john on that i would not do it until you get your debts paid off that you have other than the house um and then that would entail

that you are working the ramsey baby steps that you have your fully the house, and then that would entail that you are working the Ramsey baby steps, that you have your fully funded emergency fund, you're debt-free except the house, and then when you make the move on the house, your payment is no more than a fourth of your take-home pay on a 15-year fixed rate, and then we plan to work extra and pay that house off sooner than 15 years because that's what people that become millionaires do. That would be the ramsey plan not um we're going to move into a higher house payment and then we're going to start seven baby steps and that'll make it work out that's right no lady that is not the ramsey plan and sorry and robert make sure that you don't have three hundred thousand dollars of

imaginary equity burning a hole in your pocket yeah a. A lot of folks feel like, oh, my house is worth this, so now I have to go X, Y, and Z. Because when you sell in an upmarket, you also have to buy in an upmarket. That's right. That's right. So hang on. Man, hang on to it, man. That itch might not be scratched by just spending that money that you don't have. Yeah, so I think we need to redefine why we're moving

you can't be the two kids because they're not going to be there and say i've lived here for 20 years i want to do something else that's great that's okay that's wonderful that's okay that's not a bad thing but we're running out of room that you should have said that 10 years ago that's right because you were out of room then um if you're going to use that one it sounds like y'all y'all feel like you have a three hundred thousand dollar blank check and you don't that's the part i'm worried about i think she went out to some open houses and saw some nice cabinets in the kitchen no that's never happened at our house oh geez it's like i'm just gonna go to the car lot and look at them that's right at the bentley lot i'm just gonna go drive the drive the maserati at them. That's right. At the Bentley lot. I'm just going to go drive the Maserati.

That's all I'm going to do. Just going to look at it. Yeah. I'm just going to drive the new Raptor. Would you look at that screen? I don't know how people make it without a screen that size. We all do this is what we're saying, not just your wife. But I think she, I might sharon ramsey of doing similar

things like she goes to some friend's house or to an open house or i'm just gonna stop by and look i want to see what people are doing in kitchens these days suddenly the ramses are moving oh or we're tearing the whole freaking kitchen out yeah and which usually means that 24 months after we do that we're moving then Then you're moving. That's right. Yeah. This is an ailment that is common to lots of households, Robert. This is The Ramsey Show. You know, we did a survey recently looking for ways that we could serve you better. One of the top things we learned is that people need help when it comes to life insurance. Most people know it's a top priority, and oftentimes money's not even the issue

since term life is really just cheap. Some feel guilty for not taking action. Some need encouragement to follow through, while others are confused about the options. This is why I hammer away every day talking about term life and Zander insurance. You've got to get this taken care of, and Zander is the only company I recommend. They've built their business to serve, whether you just want information or you need that extra

attention to get things done. In the end, they will help you make smart, confident decisions for your family. Wherever you are in the process, whether getting a quote or getting your policy approved, please take the next step. Go to Zander.com or call 800-356-4282 and let them help. Well, real estate market's pretty hyped up right now. If you hadn't noticed, the buyers are feeling the pressure to buy. The sellers are going, I can get a lot of money. It's not amateur hour out there. Don't get me wrong.

Rates probably won't get any cheaper than they are right now uh doesn't give you a reason to green light stupid okay you don't necessarily need to get caught up in the hype the flow the tidal wave whatever you want to call this or you don't have to get caught up in offering way over asking price because you're desperate don't get caught up in the hype you know've got to get your head out of the craziness and get a second look at the facts. Are you debt-free? Do you have a down payment? Are you putting it on a 15-year where the payment's no more than a fourth of your take-home pay?

Only if the answer's a big fat yes, are you ready to buy? But if you're ready to buy, we can help you with this. Once you've answered the questions, it's time to look at some old cold hard numbers. You can use our free mortgage calculator to see exactly what your home ownership options are based on your budget. Real Ramsey stuff. So go to ramseysolutions.com, click free tools, use the mortgage calculator. It'll tell you what to do. RamseySolutions.com. Click free. That's a key word right there.

Free tools. Our question of the day comes from Blinds.com. They have a 100% satisfaction guarantee. That means even if you mismeasure or you pick the wrong color, they'll remake your blinds for free. Free samples, free shipping, new promos all the time a great american company blinds.com always use ramsey as a promo code it's magic it'll get you the best deal all right today's question comes from megan in wyoming megan writes i've been married for 14 years and due to anger issues i need to leave my marriage and take our children with me i'm

struggling with how to pay bills and find a place for him to live. I'm in the first year of a great career, but my pay is not yet consistent. I earn $50,000 a year and my husband makes about the same amount. I feel like I need to be financially responsible for the house we own together and an apartment for him to move to when we separate how should i plan financially to be ready to leave him um if you have come to a situation in your marriage where you are not safe and you decide to terminate your marriage because somebody has made it your home and your relationship inhabitable you are not responsible for finding them a place to live. That's their responsibility.

Yeah. This is hard, man. A buddy of mine that does divorce recovery many, many years ago here on the air said, divorce changes a marriage into a business transaction. That's right. This is no longer about you taking care of him. Far from your need to take care of him. you're having to end this because he can't control himself so he has rage and anger issues so um time for the mad little boy to grow up and get

his own apartment his own place that's right yeah so um yeah you know that feels um like an an abused language. That's exactly what it sounds like. Like, I need to take care of him. I need to make sure he's okay. To keep him calm. Right. While I do this big, big thing. Yeah.

While I go over here and do all the adult stuff, I need to keep him calm. That's right. And or I'm worried about him. I love him even though I don't. That's all abuse language. Abuse language. So, Megan, you need to get yourself an excellent attorney who will walk things through with you. You need to get a couple of women in your life that will walk through this with you.

And you can bounce decisions off of, get a good pastor or counselor that can walk with you. You're going to need some support here, and you trying to make sure all the T's are crossed and I's are dotted, including where he's going to live and how he's going to eat and what kind of car he's going to drive, you're taking on too much. Taking on too much. When someone leaves and you call them the ex-husband, it's because they're not the husband anymore. That's right.

That's why we call them ex. Your responsibility for how they choose to live and eat is no more x's used to be not anymore right your problem now over that's what that means so it's a clear line there of your responsibility like when he walks out the door with the suitcases that line is following him correct and it's going to follow him as he drives down the street like some kind of a bad progressive commercial or something, right? But, you know, and that's okay. That's where your line of responsibility ends is right at his butt as he leaves. So let's take him out of the picture.

Mom needs to just simply circle back to the baby steps, right? Now she's got her and she doesn't say how many kids. Let's say she's got two kids and she makes $50,000. Then she needs to say, can I afford this home on $50,000? Can I afford the four walls, bills, and transportation and food? Can I take care of my necessities as I make this transition? And I would even go as far to say, you need to take care of yourself if you're not safe. Whether or not you can afford that house, it might mean that you've got to move to an apartment for a season.

And that house gets sold. That's right. Yeah. So here's the last part of that, and that's where I was going to, is I'm going to make the number up, but I'm not far off. As I have worked over 30 years with these situations where there's a divorce, mom wants, the lady wants to stay in the home. In this case, she makes the same amount of money.

Usually she makes less, statistically. Right. Usually, she makes less statistically. Right. Okay? I'm not saying that's right or wrong. It is wrong, actually. If she does less, she should make less. But if she does the same, she ought to make the same. So, anyway, she's got the same amount of money here, but the household income is getting ready to be cut in half.

I need to – the kid's world is rocked because of the marriage ending. Dad's not going to be in the house. The kid's world is rocked. The kid's world is rocked because of the marriage ending dad's not going to be in the house the kids world is rocked the kids world is rocked and i need to provide a safe place stable environment for my kids i don't want to give them any more change than the change that's already occurring so i don't want their school or their friends or their bedroom to be upset so i'm going to keep a house I can't afford. Right. And I got to tell you, that happens a lot. It does.

And instead of you getting a fresh start after this, you're starting in the hole after this. But now, it may not be the case. Maybe you can afford the house. It's okay. But John's advice there to where you say, I'm going to really look at the budget and decide, can I afford on my income to keep this house otherwise the house needs to be sold as part of the divorce here's what it is it's i want to prop up this picture of family life yep and i'm just gonna i'm just gonna cut

him out of it but i'm gonna keep this picture propped up and you need to know when you file for divorce everything's different yeah that old picture is oh and those kids are not better off in a house you can't afford. In your stress. In their old bedroom. That's right. Than they are in a brand new apartment that you can afford, and your stress level is way down, and you can be emotionally present for them because you're not crying over the bills after they go to bed.

That new environment can help them actually make a psychological shift that now we're in a new world. That's actually helpful sometimes. Yeah, the visual of that's not bad. That's right. Yeah. So it's not always the best thing to keep the house yeah it's not sometimes it's okay most of the time it's not it's not so you're not telling you have to sell it but i'm telling you got to put it on the table that that's a possibility and i'm heartbroken for you megan yeah that's an awful situation. What were we thinking about you? Awful, awful, awful, awful, awful. Open phones at 888-825-5225.

You jump in. We'll talk about your life and your money. Shane on Facebook says, Can you distinguish the difference between enabling and helping? Yeah. Helping helps. Enabling enables. I think. Oh, wow. Did you go to school for that? Yeah. That was an and enabling enables. I think –

Oh, wow. Did you go to school for that? Yeah. That was an entire class I paid for, $900 an hour. If I'm helping somebody, I am walking alongside them as they get better. They improve their life. They get closer towards their goal. Enabling makes me feel better not them right so enabling helps me think i'm doing something makes me feel like i'm doing something to support somebody but they're actually not been it not only not benefiting from it their life is getting worse because of my my participation in their life enabling is a drunk gets a drink right he feels better and you think you helped but you didn't you harmed helping is i'm going to pick you up and go to AA with you the first meeting. Helping is I'm going to embrace the suck with you and we're going to go together and get this thing mess straightened up.

And so, but enabling feels like you did something. You called it helping, but it allowed the person to continue in the destructive behavior. Enabling's for me, helping's for them. Maybe that's the best way to say that. Helping is often labeled as tough love. Enabling is often labeled as love by the person who's getting the gift that shouldn't be getting it. That was good. All right.

I feel better now. I do, too. I feel totally helped. I wasn't enabled at all. I feel enabled, but thanks. I wasn't enabled, but it didn't happen. Not right here on the air. This is The Ramsey Show. Thank you. Dr. John Deloney, Ramsey Personality, is my co-host today as we answer your questions about your life and your money. In the lobby of Ramsey Solutions right here on the debt-free stage is none other than Gary and Jill.

Welcome, you guys. Thank you. We're excited to be here. Well, we're honored to have you. Where do you guys live? So we're from Alexandria, Virginia, right outside of D.C. Yeah. Well, welcome to Nashville.

We brought the sun out for you today. Thank you for that. It's a nice day out there if you're a duck in this rain. But, oh, my gosh, welcome. So down here to do a debt-free scream, how much you paid off? $658,311. Wow. How long did this take?

Six years. All right. I love this. And your range of income during this time? $142,000 and $272,000. Cool. What do you guys do for a living? So I'm a teacher.

And I'm a certified public accountant and owner of Stewart Solutions. Ah, very good. Very good. So what do you teach? I teach first grade with DCPS right in Washington, D.C. Good for you. Yeah. Very cool.

You've had a boring last 24 months, haven't you? I've been really bored. Wow. Well, the kids have never been the problem. It was always the parents and the administrators. That's the only people we've ever had to worry about. Yeah. Way to go, you guys.

Very cool. All right. I'm guessing with these numbers, 658,006 years, you paid off your house. I wish. Oh, no. No,006 years, you paid off your house. I wish. Oh, no. No, they're in D.C. $600,000 is a garage apartment, right? No.

You can't buy much with $615,000 in D.C. I know. I know, but I thought, oh, no. What did you do, Richard? What did you do? I mean, we had cars, a lot of credit on our home. $218,000 was credit cards. $162,000 was student loans.

And then just a bunch of miscellaneous debt. You're a CPA. You're $200,000 in credit card debt? It was bad. Explain this to America. We were having a lot of fun. Until we weren't. Until we weren't.

Oh, my God. Our lifestyle was out of control. And like you said, 80% of building wealth is behavior. And our behaviors were out of whack with our income. Oh, my goodness. Wow. Okay, so how long have you all been married? This will be seven years in June.

So you did this mess before marriage, really? Yes. We had two messes, and then we made one big mess when we got married. That's holy matrimony. We consolidated our mess. It was really nice. That's so beautiful. So sweet.

It's so romantic. Yeah. Very special. I mean, you guys get married, and it's like you must have been thinking, everything's great, and then all of a sudden you're like, one year in, and you're like, holy crap. So when did you realize the house was so small? I don't want to put words in your mouth.

Tell us what happened. That's pretty much what happened. So we got married in June of 2015. Then we continued our frivolous lifestyle for about six months and going on vacations and just kind of doing whatever we wanted wanted having fun being the like the goal um which we did but then we started to merge our finances six months later and gary actually you know came to me and was like this is really a problem we have way too much debt and i was not agreeing with him i was like this is normal everyone has student loans everyone has cars everyone has credit cards that was like that was bad but but um all right gary i'll give you

two hundred thousand dollars in credit card but listen listen right i'll give him that yeah i was like that that is bad um but i was like a big mile person so i'm like, think of how many miles. Let's work. I was bad. Like, we'll give us our own airplanes. Yeah. So Gary brought financial peace to me. It took me a little while to get on board. But when he, you know, he was really the leader of merging our finances because I'm like, I don't want to talk about money. I don't want to do it.

You're the accountant. You're the CPA. Make this go away, Gary. Yeah, just like fix it. Come on, Gary. That's what you do. You have the degree. Fix it. money. I don't want to do it. You're the accountant. You're the CPA. Make this go away, Gary. Yeah, just like fix it. Come on, Gary. That's what you do. You have the degree. Fix it.

Right, I don't know. I teach first grade math. I love you. You're amazing. Hold on, hold on. You teach first grade math. This is so awesome. Right.

And you're a CPA. Right. And you had $600,000 in just consumer debt. Exactly. This is incredible. So I'm trying to help the little people now. I have a whole lesson about it. But yeah, so then he laid it all out for me.

So you went through financial peace at a church together? So actually, I read the Total Money Makeover book first, and that really just blew my mind. And then I was hooked on everything right from there. And then I found the at-home financial peace. Oh, okay. It was actually like dvds yeah and uh in the day yeah yeah convinced her to uh 2015 when people had dvd players yeah kind of convinced her to um you know go through the program with me and we kind of eased into it

it was not a you know i wish it was like you know right away but it took us probably the first you know 12 to 18 months of the six-year journey to really click and get on the same page and what was your best fight oh probably the cutting the credit card i feel like i really couldn't deal with that yeah that was i mean we had 28 credit cards 28 yeah and it was bad yeah you know when we started doing the debt snowball and you are giving america hope yeah that's why we're here we just we started paying them off if you guys can do this by god anybody can do it that's amazing i love you the psychology behind the last one getting her to agree to cut up that last one like can we just keep one i've had people i used to cut them up

at the on the stage after an event and sign books for hours and i've had people cry they would just weep when we would cut up the men probably cry when they cut up their credit cards it's just like i've had this card since i was in college like it's an old girlfriend yeah that's oh my god yeah it's hilarious oh man you guys are fun i'm so proud of you because what you've done is so big. It's so Herculean. And so there had to be a moment in time. So you said it took about a year, 18 months to get real serious and get it dialed in. And then we're like, cut that last card.

Now we're game on. And then there had to be another moment where the momentum shifted and you went like, hey, we're going to win this. Where was that? I mean, so our debt snowball had like 54 items on it. Yeah. It was a lot of debt. 28 credit cards. Yeah.

I think once like after the first two years and we got like a third of the way through the list, momentum started picking up and we started doing stuff that, you know, like working side jobs and selling stuff out of the way through the list, momentum started picking up and we started doing stuff that, you know, like working side jobs and selling stuff out of the house. And, um, about that time I got my CPA license. So I started doing, you know, tax returns and I joined, um, Ramsey preferred coaching and, uh, started coaching other people how to win with money. And, um, it was really cool to, you know, do something i was passionate about but use that side income to speed up our progress yeah that's cool well and you got a story i mean you can tell

people that story it's like me telling the story going broke you know i mean it's like you know hey i know you think you i know you think you're 26 000 in credit card debt is bad but let me just tell you i can tell you about that so have you you had the moment where your teacher check and your business check is deposited? No payments? You have no payments? Yeah, we have a mortgage, but we don't have any consumer debt payments. That's wild, huh? That looks great.

You guys are amazing. You're such a powerful thing you've done. It's such an extreme transformation. When we first got married, she just threw the finances at me and was like, here you go. Have fun. And I had a lot of stress and anxiety because I was living and breathing it every day. And, you know, put a lot of weight on me. And just to have her agree to come in with me and work together and share the burden with me the last six years uh it really like helped our marriage and made us

closer yeah powerful congratulations y'all too very very powerful well we got a copy of baby steps millionaires for you you're going to be there before you know it you can do this you can do anything man this is so amazing so amazing and you're a neat couple and thanks for letting us cry with you there for a moment because it just takes your breath away but you what you've done is amazing that's what that's the story is the size of the mountain you climbed all right 658 000 paid off in six years of that over 200 000 in credit card debt making 142 to 272 count it down let's hear a We're free! Yeah! Woo! Wow.

You are free! I love it. No more excuses, America. They just took them away from you. Ding, ding. You thought you couldn't do it. They did it. There it is. Thank you. Our scripture of the day, James 14, 4,

You do not even know what will happen tomorrow. What is your life? You are a mist that appears for a little while and then vanishes. Lillian Dixon said, life is like a coin. You can spend it any way you wish, but you can only spend it once. How are you going to do it? What are you going to do? This is the Ramsey Show.

Dr. John Deloney, Ramsey Personality, is my co-host. You jump in. We'll talk about your life and your money. Leanne is in Canada. Hi, Leanne. How are you? Hi. I, Leanne. How are you? Hi, I'm doing well. How are you guys?

Great. How can we help? Well, thank you, first of all, for taking my call. Sure. My husband's actually not a daily listener and follower of your plan, and he got me hooked on it by playing the podcast on our honeymoon last year and then gave me the total money makeover as like a light beach read. He's like a real romantic that is the least romantic honeymoon i've ever heard of that's awful it actually was

it was a great way to start our marriage so it worked out nice very good it must have been episodes that me and george were on go ahead oh there you go um So we have no debt besides our house, which we owe about $330,000 on. We made it our personal goal to try to pay it off within five years if possible. And then we bought it in 2019, so we have about three years left if we are to fulfill our goal. We have a fully funded emergency fund right now. But my question is about a decision that I have to make primarily by the 10th of March. Right now, I'm a 23-year-old licensed practical nurse who, like I signed up for school online to get my registered nurse through a university in Alberta. I'm finishing three courses by the end of March and need to sign up for the new courses

by the 10th. I have about two years of full-time school left if I'm to continue. The issue is that I unfortunately got fired due to the mandates up here in Canada and could potentially lose my nursing license. And I'm not really sure what the future of nursing is going to hold in the next few years, so to speak. So I don't know if it's going to be worth it for me to keep taking the courses, if I should work hard at them now or casually, or even if I should be taking them at all. Because we're able to cash flow my courses with my husband's income and then a little bit of my own. But I'm not totally sure if we'll be able to reach our goal courses with my husband's income and then a little bit of my own but i'm not totally sure if we'll be able to reach our goal of paying off the house that soon if i do

school on top of it so the i'm not familiar with um the overarching issues and and uh are the are the details i should say of of why you were fired. But I'm guessing that you chose medical freedom. You wanted to decide what happens with you, and they said you have to do something regarding COVID that you didn't want to do. That's correct, yeah. Okay, and is that an industry-wide thing? I mean, you said take your nursing license because you choose not to be vaccinated.

Is that what you're saying? Mm-hmm. So that's a potential that they've sort of been rumoring around. Oh, okay. I don't know that until probably like the 24th of March is when they're expecting to roll out that mandate. The government? Yeah. Is they?

Yeah. Yeah. I just can't imagine. The totalitarianism of that is just shocking yeah i can't imagine that they would lose the force they would i mean i've been surprised before so well they've they've lost their entire trucking industry yeah on the same exact issue yeah they shut the trucking industry down because truckers aren't working in Canada because of this exact same thing. And if all the nurses or a portion of the nurses don't work now and they're willing to do that on the issue of a vaccine or on the issue of the power is really what it is. Oh, my gosh.

Wow. Well, medical freedom is a big deal. Being able to make your own choices is a big deal. Being able to make your own choices is a big deal. So I think I'm hearing woven into this narrative that you're saying, if that's how it's going to be, I'm not in nursing. Kind of, yes. That's kind of my overarching back of my mind. Yeah, you're not going to acquiesce is what you're saying.

Yeah. Yeah. Okay. Then you've got to choose a different career. And until you know that, I wouldn't spend a bunch of money on further classes. I'd complete the ones you're in. And you can restart the classes next semester, can't you, if this blows over? Yeah. Yeah.

I could technically. And it does work with the online system that I could start them sort of anytime. But the one issue is because I'm signed up in the courses already, it's a program that times out in, I think it's seven years. Let me ask you this, because I don't know how this works in your particular situation, but most colleges most universities have a drop ad system that there's so many days into the course you can drop it and get a full refund right okay could you sign up for it and how many days down into march

or into april can you still drop that course and get your money back yeah check with check with your advisor on that. Okay. I mean, what's the term here? I don't know what it is in Canada. Is it three years for the program? You have two years left. I'm sorry, you have two years left? Yeah. Okay.

How about that? And you've got a seven-year clock. You're not going to hit that clock. You're going to be fine. Okay. I think you're fine there. I heard another issue, which is this. You and your husband have been gung-ho, gazelle intense,

and you created this plan, this idea that we're going to have this thing paid off in day X. And that is, let's take the mandates off the table for a second. And you want to get it paid off here, and you want to complete your nursing degree. Well, it was actually going to cause them to be able to pay it off, because when she completes that, her pay will go up it'll go up that's right so it's it's six and a half dozen another i think you have a long-term place to take the mandates out if it's just staying in school i'd rather see you go to school and finish this program your pay will go way up over especially over the long term if you stay in nursing it will that's right that's right

you don't lose your license and i'd rather you pay your house off maybe a year later than your plan that y'all made up over dinner one night than to yeah then to pause and put yourself three or four years behind making some major bank if you stay in nursing of course yeah so yeah what i would do is see if your drop ad date that's what i call it from the old school your ability to drop the class and get a full refund on this next semester if it is far enough out that you will have news about your license before then um i think you know that you're in an unfriendly environment for the near term even if they don't take your license agreed yes agreed and so you may make a decision on nursing in general based on that too and i'm not telling you to do that i'm just saying that you know you've got the long Agreed. And so you may make a decision on nursing in general based on that, too.

And I'm not telling you to do that. I'm just saying that, you know, you've got the long term. Okay, I'm out of the business because they're going to take my license or they're going to mandate this from now on. And I'm not willing to do it. So I just I got to have another career. Boom. I'm out. Peace out.

I'm not doing this. You're not going to violate my medical freedom with totalitarianism. I'm going to vote with my feet. I'm out. Peace out. If that's the case, you're already out. Right. You're not going to violate my medical freedom with totalitarianism. I'm going to vote with my feet. I'm out. Peace out. If that's the case, you're already out. Right. You're out. If you think that this will subside, this political pressure will subside,

and you can get back to being a nurse without being vaccinated and protect your medical freedoms sometime in the future, then you would stay on this track. And that's a judgment I can't make because I don't know what the flip's going on anywhere, much less in Canada. So let me point this out, Dave, and I've had this call on my show several times. Once you decide, I'm out. I will not let somebody tell me what to do with my body.

I'm out. Let that be the day you stop stewing about it and use that energy to go do something else. You've made your call. You've made your decision. Then talking about it every day, being angry about it for the next six months is just choosing to live shorter. It's like true. That's true if you quit any job. That's exactly right.

Anything, any marriage, any relationship. I don't like what's going on in this company. I quit. As soon as you walk out the door then keep going dust your sandals off and go just keep going you don't get any more space it doesn't do any good for you to constantly be looking in your mirror and go well back because i got fired when i was 23 and i don't know why i got fired i I probably deserved it, but the guy just said, pack your effing stuff in this effing box and get the eff out of my office now. And I went, yes, sir. You should have showered, Dave.

You know, that was it. And, you know, I have no idea what I did, but I probably deserved it. I mean, I was a 23-year-old fart. But still being mad about it now? But I'm not. It was like, dust my sandals off. Next thing. That's right.

You know, apparently he had a problem. You know, it's like goodness gracious, right? You got to bathe, Dave. You got to bathe. Got to bathe. I got to shower.

Got to brush those teeth. Got to brush that tooth. Brush the teeth. Brush that tooth. That tooth. That's this hour of the Ramsey Show in the books.

We'll 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. Hey, it's John Deloney, co-host of The Ramsey Show. Did you know over 18 million people listen

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