The Ramsey Show - App - Navigating Money in Relationships (Hour 3)

Episode Date: January 10, 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 being with us, America. The phone number here is 888-825-5225. Number one best-selling author, Ramsey Personality, and host of the Smart Money Happy Hour

is Rachel Cruz. She's my co-host today, also my daughter. Open phones at 888-825-5225. Chase is in Mobile, Alabama. Hi, Chase. How are you? I'm great. How are you? Better than we deserve how can we help so i've got a uh a lot of upcoming changes this this year expected in my finances i'm uh 25 years old i just got a move up in my career to where I'm expected to double or triple my expected salary this year.

I was going from around $40,000 to $60,000. I'm expecting to make somewhere around $150,000 to $200,000 myself this year. Wow. What do you do? I've been a welder for the past several years, but just became qualified and and lined up some jobs to become a welding inspector which is going to come with a lot more money wow good for you but i'm also getting married uh this september and my wife or my fiance she's a nurse and we we've lived together for a while now but you know you know, that's going to – so not only am I going to increase my own income, but her income is going to join with mine as well as the debts combined.

You know, so everything is just going to dramatically change this year, and I'm just wondering how to navigate not only – we have a small debt. I mean, the house and her car and her student loans total to less than $200,000. I have no debt personally, and then the increase dramatically as well as getting married. So I was just wondering, what's your advice on how to navigate this upcoming year? Well, congratulations. What a great year.

Yes, sir. Thank you. How old are you? 25. Good for you. That's great, Chase. How much does she make a year? I'd say close to $ 75 000 that's amazing so you

guys will be up to almost 300 grand together no two yes ma'am i'm hoping so well he's gonna make 200 oh he's making 150 right you said you were somewhere between 150 and 200 it's kind of hard to gauge okay okay i jumped i haven't got. Okay. So still a quarter million dollars at 25 years old. Way to go. Yeah, that's amazing. So is the house, is it in her name? It is. Where are you guys living?

And how much do you owe on that? I want to say about $160. Okay. And how much does she owe on her car? Maybe $10. Okay. And student loans? Maybe $10 on that as well.

Okay. Well, the first thing I would do, Chase, is, and hopefully you guys are having these conversations now, but I would sit down and make sure you guys are on the same track when it comes to your money, that you guys have the same goals, you have the same value systems around money, and you guys work as a team. My husband and I, we just went to lunch before the show. And we do this every January where we sit

down and we look at last year, we look at this coming year, and even just dreaming and talking through tactical things, but also just kind of big goals for the year. And just knowing that we have the same, we approach money differently, right? I'm the spender, he's the saver, like there's natural personalities within it, but we are a team and we see ourselves moving in the same direction. So Chase, I would, if you haven't already, making sure that you guys from a value system standpoint, and what I mean by that is we're not going to use debt. We have goals here, here, and here, like we are working in the same direction together, I think would be number one, is what I would say to you. Then number two, make a plan to get rid of this debt. Pay off the

car, pay off the student loan. Have a big goal to pay off the house, which you guys absolutely can do, especially with your income here in the next few years. There's some really fun things you guys can do, Chase. I just want to make sure that you all are in agreement on what to do and even how to go about that. Do you feel like you guys are in a similar mindset with that or will that be kind of a big conversation? I feel confident we can be on the same page. I'd say she's been the more responsible financially over the past, you know, five or six years. We've been together for two years, but she was purchasing a house and a vehicle and doing things. But she was doing it with debt.

I mean, yeah, she was buying a car and stuff, but I mean. Well, I've never really had anything, but I never made much money. And now I'm about to start making a lot of money. Right. And I'm just trying to learn how to use it. Yeah, and you can easily creep into lifestyle creep. Well, Chase, if you hold on the line, Austin's going to pick up because I want to gift you guys.

It's a wedding gift from us to you, Financial Peace University. So this is our nine-lesson course. And you guys watch these videos together. Also throw in Every Dollar Premium, and that's our budgeting app. And you guys together, again, learn together, sit down together. And this subject is one, Chase, that can be a point of unity and excitement or a point of a lot of pain for married couples. So starting off on that same mindset, I think, is the first big, big step.

The last detail is do not pay any of her debt with your money until you're married. Right. Okay. So after September, it's ours, our house, our car, our student loan, our income. Until September, it's separate um you just have a roommate and you don't pay your roommate stuff you get yourself in legal and relational pinches if you do that so um you wait until after you're married to pay each to pay on each other's stuff okay and then you combine everything when you're married so hang on austin will pick up and we'll get you

signed up for all that. What a great year you've got ahead of you, sir. It's so fun, Chase. Congratulations. Yeah, very, very proud of you. Open phones at 888-825-5225. George Camel has a brand-new book coming out next week. January 16th on Tuesday is launch date.

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you will like it breaking free from broke by george camel this is the ramsey show rachel cruz ramsey personality is my co-host today open phones at 888-825-5225 sam is in canada hey sam welcome to the ramsey show thank you dave for taking my call sure what's up right so i have my question and i've always tied it tom type 10 of our income but i guess i just wanted to get a bit of advice or validation, I suppose, regarding where we are with our baby steps. So right now we're at baby step number four, and we're working towards five and six and putting 15% towards investing. But since we type, it's not a lot of margin to work with,

so I guess I just wanted to see what your take is regarding that. Okay. Well, first and foremost, with the tithe, I'm anything but a legalist. God does not need your money, and he doesn't love you more if you tithe, and he doesn't withhold blessings more if you tithe and he doesn't hold withhold blessings if you don't tithe i can't find any of that in scripture um but what i am sure of of having taught this biblical finance for 30 plus years now that god has us to tithe as a baseline a starter point in our, because he wants to teach us to be

generous, to take on that character quality of his, because he is obviously a giver. And so your Heavenly Father's not mad at you about your percentages or anything else. I personally, in that mindset then, have chosen to never miss a tithe check because it's at least a minimal starting point for my generosity. And I'm always trying to learn to be a good investor and a good giver and a good budgeter, a good steward, all of those things. And so the tithe is first fruits in Old Testament. It's off the top before anything else. But it's not a salvation issue. It's not a God's love issue.

It's none of that. It's simply your heavenly father saying, this is the best way to ride a bicycle. This is the best way to handle money. It's the best way to live your life is to have a natural, steady rhythm of generosity. And 10% is a starting point. I find people that are not, they're not stringent enough with it. And then I find people who are so legalistic with it that they get confused about it. And so I try to not be on either one of those sides I

would have rather be just on a different spectrum but if I were in your shoes I would take 10% off the top before I did anything it's what I do yeah and I would say to Sam with giving probably anything in money but I think especially giving there's an interesting habit that's created that when it does just become the rhythm and you stop kind of looking at the number leaving and all of that. And it's just, it's kind of one of those things you said, this is who I am. I'm a giver and this is what we do in our household. And it almost kind of becomes that non-negotiable and it's that habit and it continues and continues. It will continue through your life, obviously, as you're choosing to do that action. And where

people get tripped up is they believe, well, if I just had more money, or if I get to this certain part, it'll be easier to give, you know, we can kind of like make that argument. And to a degree, a small percentage, I get it. But what's crazy is if you're not in the habit of it, it doesn't become easier. People think, well, if I just had, had you know x amount more a year it would be easier but when your baseline is with your habits a certain way even getting that amount it gets eaten up with life and you you know it's just this thought of if i just had more it would be easier doesn't always come to fruition sometimes it becomes harder so making it a rhythm in your life yeah jp morgan

told the story that when he was a child he uh went out and earned a dollar and 50 cents and he brought it home to his mom and uh she spread it out on the table and uh she said what are you going to do with it he said what should i do with it and she said i would be very happy if he would tithe on it and he said i tithed the first50 I ever made, and I tithed every dollar thereafter. Oh, it was Rockefeller. It was Rockefeller. I said, Morgan, it was Rockefeller. Yeah.

And, you know, it started with $1.50. It didn't start with the first time I finally got $15,000 a month. That's right. That's right. So you're right to start when it's there. And, I mean, I remember the first time i gave a thousand dollars as a tithe i thought wow that means i made ten thousand dollars oh my gosh yeah and then i remember the first time i gave ten thousand dollars oh my gosh means i made a hundred thousand dollars

oh my gosh you know and uh you know you but it in as if you're somehow doing God a favor, it's kind of funny. It's kind of funny. He's up there giggling going, yeah, Big Dave's helping me out here. And again, it's not a legalistic thing, Sam, but also with your specific question, baby steps four through six, that's a long time. So like, that's a long process, right? I mean, if someone's like, can I skip the tithe for a month, X, Y, and Z? I'm like, listen, you're not legalistic about this you guys but that would be a habit shift four through six is a long time frame where your habit would change and i just don't i just don't want that for you i want you

to be in that consistent habit we tithed for just for everybody's information all the way into bankruptcy court and all the way out so those people that say you automatically are protected or blessed when you tithe, bull crap. You still have free will to make bad decisions with money. Yeah, you can still wreck the car, I can promise you, okay? So, I mean, I did have one of those blue-haired ladies say, well, you just didn't have enough faith. And I said, well, honey, they took everything else. All I had left was faith.

So, you know, that's just not true, okay? Experientially or biblically and what's wild is you know when you do give and I think this is probably true if you're consider yourself a spiritual person or not you experience this level of joy you know we there were some videos going around that our team did George did some Jay did some of giving and i'm like you even watching it i wasn't even there participating in it but they were giving away my money and they were joyful and you just cry i mean as a viewer of the videos you just cry i'm like there is something about joy that you just can't get i mean like there's beautiful wonders

of the world there's awesome cars and i mean there's things in life that are great to go and experience and buy. But there is just something that touches us in our human souls that giving does that other things just don't. And it provides longer lasting joy. And to rob yourself of that, too, is unfair to you as a person. So that's why we say to be giving regardless of your baby step at the top of the EveryDollarBudget, our budgeting app, giving is the very first line item,

which is very different than a lot of other financial experts out there that you will hear. This is an important value system of our plan because again, it's for you, right? You experience something that is so beautiful and so wonderful. And then the added benefit, or the first benefit, I guess,

is that it's helping the other person on the other side that actually needs it. So there's something about it, you guys, that you don't want to miss it. It's hard to find someone that's depressed that's outrageously generous. Very difficult to find. Not many of them out there. It's hard to find someone that makes a bad husband or a bad wife that is outrageously generous. It's hard to find them. Very unusual.

Very unusual. So, you know, generosity is not an act. It's a character quality. And what we're doing is developing the character quality. And so that results in acts of generosity but the the it's a like integrity there are uh acts that show integrity acts that show honesty but it's actually a quality it's a human quality that you can adopt and choose to be that you can just decide. I'm a person of integrity.

I'm a generous person. And Sam, all of that's not directed at you. Your question was answered early on in this discussion, but it got us on a soapbox because we love to talk about if you'll live like no one else later, you can live and give like no one else. You can put yourself in a position that you can give more than you used to make in a year. You can put yourself in that position and watch what it does to those around you. Watch what it does to your face

when you do that, folks. You cannot mess up generosity. It's almost impossible. It's the easiest of the financial principles to grasp. And Sam, thank you for letting us jump off on our soapbox after we answered your question. This is The Ramsey personality, is my co-host today in the lobby of Ramsey Solutions on the debt-free stage. Armand and Romina are with us. Hey, guys, how are you?

Hello, Dave. Hi, Rachel. It is crazy being up here. Welcome, welcome. Where do you guys live? We live in Anaheim, California, right next to Disneyland. Yeah, very cool. Welcome to Nashville. Where do you guys live? We live in Anaheim, California right next to Disneyland. Yeah very cool. Welcome to Nashville. Good to have you. Thank you for having us. And how much debt have you paid off? We paid off over a little bit of $130,000. Excellent. How long did

this take? 20 months. Good for you. And your range of income during that time? We started off around 119, and then we bumped up our income to 180. Cool. What do you all do for a living? I'm a registered nurse. I work at a hospital on the orthopedic unit. Oh, cool. And then I'll be doing nursing education at the end of the month. So I'm also going to do a part-time teaching job.

Neat. Yes. And I'm a freelance videographer, and i also worked at a nursing facility as an activities assistant oh excellent good for you guys well done what kind of debt was your 130,000 pretty much uh everything like normal people we had um student loans uh credit cards that we used for some of his equipment for work um little things we also um had a Subaru that we paid off as well that was the last thing and then we were also able to cash flow a car during that process while we were expecting a baby boy there we go there we go good for you well done so what happened two years ago

that put you guys on this Ramsey plan? It's a really long story, but I will make it short. I just kind of want to have a precursor story. So me and Armin have always been weird people. We've been together for 14 years. We were long distance starting our relationship. So he was in San Francisco. I was in Orange County, California. So we did that for five years. And then we got married in 2018. So we've been married for five

years. And then during the pandemic, 2020, we were like, that's our year. We want to get a house and we want to move out, which we did. However, in the beginning of 2020, we had no idea that the pandemic was going to happen. So Armin got laid off. He got laid off. Yes. After the house, after buying the house. No, before. Okay. Yes. And so we were quarantined in my mom's house, which was quite an interesting experience because it was a full house. We had these big plans to move out and get our own place together. But that didn't stop us. We were like, you know what? While everyone's losing their homes and their jobs, even though you are laid off, like, let's do it.

Let's just go. So I picked up three jobs as a registered nurse during COVID, during the pandemic. Yes. And then I was selling keto low carb cookies as a bake sale just to kind of make extra cash. So I would wake up early in the morning, make some cookies, go to work, did three jobs. And I was doing my master's online while I was doing it. And I was collecting his EDD checks. Wow. Yes.

My gosh. Yes. So back to what I was saying, I feel like if we were able to do that, we were like, you know what? We didn't even know what gazelle intense was, but we were doing it. It was instilled in our bodies and our mind and our spirit, our souls as a couple. And I said, if we can do that during the pandemic

and save up a down payment during COVID with no job, what more can we do this to pay off our debt? So we decided to do that. How'd you find us? My brother was telling us, hey, have you guys thought about paying off your debts and so forth? And at first we were kind of like, yeah, it's okay. Like we'll just keep it. Like we're not in any rush to do it. But what he said really stuck with me. And then I remember I was watching YouTube trying to see how to get out of debt. And I came across the Ramsey show and I remember watching Candice from Indianapolis who paid off 230,000 something of her debt by herself.

I was like, what more we can do it. And other couples out there, they had smaller shovels than we did they had their little trowels and i was like you know what we got a shovel like let's kill it let's do this so we did it we we definitely worked really hard through it all yes way to go that's amazing so much that's amazing okay and then how old's how old's the baby uh shiloh is eight months shiloh's eight months so he can't yeah so you guys guys were expecting a baby during some of this too. We actually experienced a miscarriage in February of 2022.

So sorry. That's okay. I don't need anyone's pity. It's cool. God had other plans. And I'm so glad he did because once that happened, we were like, you know, let's clean up this mess. We don't have kids. Let's just do this.

Let's take care of everything. So when that time comes, we can ourselves up better when when a baby comes like yeah during covid like i i was like seeing how hard she was working yeah and i was just like when i lost my job and i was on edd for a while i you know i've always been passionate about video and videography and i always just was like okay is there a way to to kind of make this my thing? Like after I lost my job, I used to work at a pharmacy company for seven years before I got laid off in COVID. And so, but on the sides, I've always done like creative work, like with video and stuff like that.

And then I was just like looking at how hard she was working and I was like inspired. And I remember going to Las Vegas to one of your conferences. And instantly I was just hearing other people's testimony testimonials and then i was hearing you guys talk and then from there with combination with like the actual like miscarriage and stuff like that i was super inspired to just kind of just run with it and then go with what my heart was telling me like passionate wise like i supported him all the way i said you know what do it ken callman would be so

proud of you it was a risky time it was so risky to jump into something that I didn't know like didn't seem very like stable but like I wanted to do it I know my heart was in it and then you know luckily like a year later I just started contracting out with the companies that I continue to work for till this day and it's been my full-time thing ever since. Wow. Very good. That's amazing. I'm so proud of him. So when people find out you paid off $130,000 of debt in 20 months, and they say, how'd you do that? What do you tell them the keys to getting out of debt are? I would say discipline. And you have to have a reason why. For those two reasons, even if you go off budget or you get lazy, those two reasons even if you go off budget or you get lazy those two reasons will bring you

back um and i think teamwork really matters as well teamwork for sure there was a time where we were kind of um during baby step pause or baby step two pause i'm sorry we were kind of getting lazy and it was like the first trimester i was like i don't want to eat at home like i want to eat out like this baby wants in and out every day i don't know once fried i just want to eat at home like I want to eat out like this baby wants in and out every day I don't know once fried I just wanted to eat out and I was like you know let's give ourselves grace like let's budget whatever we had some margin so we did eat out and things like that but once we knew that once the baby comes we're gonna go back into it and we did and I remember I was on the website actually um I was bored at work and

i went on the website and then i saw our picture on the website and i remember like oh my gosh like we're on the ramsey website like now we have to do this we can we cannot be on this page was it from the conference oh yeah it was from the conference oh yeah is that oh my gosh and so when i went on it i was like oh my i was like oh my god armin we are we're on the website we can't be seen in an outburger now no we cannot be a hypocrite that's like putting your face on the post office oh my god exactly so i said okay so it relit a fire under our butts and we definitely went back we went back into it so discipline and your reason why because it will bring you back. And get on the Ramsey website.

Now we know how to get people motivated. We just got to put them on the site. Or they just have a really cool mullet haircut. Shame on me for staying out of In-N-Out Burger. And then I told them, I was like, I don't know why they picked us. Maybe we look really broke. I have no idea. With that haircut maybe. With that mullet. Yeah, he had this weird mullet. If they can do it, anyone can do it.

Anyone can do it. You guys do it. Anyone can do it. You guys are awesome. Thank you so much. You guys are amazing. We love you guys so much. You've changed our lives. We're so proud of you. You've changed our lives.

Way to go, heroes. Thank you. We've got the Baby Steps Millionaires book, the Total Money Makeover book, and a Financial Peace University membership for you to live or give. That's the live and give box to say thanks for coming from all the way from California. You guys got it going. I'm proud of you thank you well done well done and now we know a new secret just put them on the website more motivation armand and romina romina romina and shiloh from anaheim california 130 000 paid off in 20 months, making $119,000 to $180,000. Count it down.

Let's hear a debt-free scream. Three, two, one. We're debt-free! Yeah! That's how that's done, boys and girls. Woo-hoo! This is The Ramsey Show. Our scripture of the day, Psalms 3419, The righteous person may have troubles,

but the Lord delivers him from them all. Maya Angelou said, I have learned that even when I have pains, I don't have to be one. Kyle is with us in Indiana. Hi, Kyle. How are you? Hi, Dave. Thanks for taking my call.

Ms. Rachel, good to be talking to you, too. How are you all doing today? Thank you, Kyle. Better than we deserve, sir. How can we help? Well, I'm a big fan of y'all. I pay a lot of attention to you. I'm 30.

I just turned 30 last week. And I did some stupid about a year ago thinking that building a good credit score is a good way to leverage equity on my home and invest in real estate. But I know better now. I know better. So I leveraged a motorcycle and I'm on about a three-month course of getting it paid the rest of the way off. And other than that, I just have a mortgage on my home, and I have a paid-for investment property that is ready to be moved into or sell. And my question for you is today, should I sell the investment property, which I have about a third of what it's worth into it, and pay my mortgage off? Or keep it and let it cash flow $950 a month and pay my mortgage off early. How much do you make a year, Kyle?

I own an HVAC business here and I gross $52,000 a year from that as a salary. Okay. And how much do you owe on your primary home? $73,000. $73,000? Yeah. How much is the rental worth? I'd say, I talked to a realtor about it and they said upwards between $130,000 and $150,000 is a realistic measure

for it. Oh, nice. Well, my knee jerk, Kyle, I'll be curious, the real estate guy over here that loves real estate. I mean, it's a paid for asset right and do you enjoy it like do you enjoy have you have you been I guess you just got it yeah I guess that's true I was gonna say does it does that sound like a burden to you to put renters in and everything no I bought it in February year um and i've spent the last year working on it myself i put all

new hvac all new flooring all new water lines redid the bathroom to do drywall and power everything's refresh and new in this home and it's all paid for so it's it's a 950 a month generator if i rent it out and i'm targeting rest care patients which is the home health aid people that have 24-hour care and are you married checks out yes I'm married what does she make my wife she's stay-at-home mom okay so your household income is 50,000 bucks you owe 75 and the rental's worth 130 is that000. Is that the right numbers? Correct. Okay. All right. Well, if you keep the rental, you and your wife have got to lock arms and say, what can we do to tighten up everything,

and let's go ahead and get this house paid off? Because the bad news is you've got a mortgage on your house and not on your rental. The good news is it's not much of a mortgage on your house and not on your rental the good news is it's not much of a mortgage it's only 75 000 and so you know 25 000 a year it's gone in three years uh with the upper income you know and you you know do something to increase your income during that time or something like that that's fine i if you're not making good progress on chunking away at your mortgage, like really big old chunks, within a couple of years, I'm selling the rental.

If you want to keep it and give that a run, I would. But you don't want to look up 10 years from now, still have a mortgage and a paid-for rental. No, that's not going to happen yeah that's what i'm saying so do you have any money saved kyle do you guys have an emergency fund or anything i did and i woke up smelled the roses and said we're paying this harley off so i left the bike i left 1200 and i left 1200 in the money market and i took about 6800 and threw it on the har. Okay so first thing we

got to do is we got to rebuild the emergency fund the next thing we got to do is develop a game plan to pay off your house in big chunks and if you're not going to pay it off in big chunks then I would dump the rental. There's a part of me that would just dump it Kyle yeah because that would give you a lot of peace that would put money back in a savings that would pay off the car that would give you a lot of peace. That would put money back in a savings. That would pay off the car. That would pay off the house. And then if you guys want to get in the rental business and do it later and save up and do it. But there is a part of me that would just want the peace of mind today. You know?

It was not a bad answer to just sell it today. But I can listen to the way you're talking about it. You don't want to sell it. You want to try it. You want to give this a run. So if you're going to give it a run, then the tradeoff is over on the other side over here, we've got to pay a price and get this stinking mortgage gone. Because I would not have done what you've done.

But you're there now. So let's figure out what the best way forward is now. All right, Stephen is with us in Jacksonville, Florida. Hi, Stephen. Welcome to The Ramsey Show. Hi, Dave. How are you doing? Better than I deserve. How can we help? I basically just had, I needed some guidance on this, truck on this car loan that I got going on. I mean, my wife, we recently signed up for your financial peace university. And so we are on step one, which is getting the thousand dollars in savings, but we're with the budgeting. I'm pretty sure we're going to get there pretty soon within the next couple

months. So I'm already starting to think about the second baby step, which is paying off our debt. And the biggest debt, we don't have that much really. The biggest debt that we have is my truck. And I wanted to get some advice on how I should really handle that. I wasn't sure. What do you owe on? When I have the income, 27, 27. What's your household income? Annually, we take in, we take home about $66,000. I'd sell it. Sell it? Yep.

Okay. You have too much invested in cars that are going down in value. You have over half your annual income, including her car, tied up in cars. It's too much. Even if your truck was paid for i'd sell it because you you're gonna turn 27 000 into 10 000 in about 20 minutes and i like it i mean i drive a nice truck i drove a truck to work today you know i love my raptor yeah so um you know i'm not against having a nice truck i just don't want your nice truck to have you and it does right now it owns you

uh now if you all see that your income is going to be coming up significantly and you want to fight through and pay it off, that's okay. But rule of thumb is, Stephen, don't have things with motors and wheels or wheels added together that equal more than half your annual income. Because if you do do you have too much tied up in things that are going down in value because if it's got wheels and or a motor it's going down in value yeah period yeah and steven to earlier what you said of getting that thousand dollars i mean we want you to do that even faster you said a couple of months and i

would i would challenge you yeah what can you sell what can you do i mean what to scrape together a thousand dollars like asap that's the fastest baby step that we want you to just hit and tackle um because it changes the momentum of the whole process too we do that garage sale facebook marketplace whatever you gotta do sell so much stuff the kids think they're next and really i i want baby step one done in one month. $1,000 in one month. You ought to be able to go out there and scratch that together from different sources. Get the nickels out of the corner of the couch, everything.

Yep, yep. And when you sell this truck, it'll free up that payment every month. Which is probably $800 a month. Yeah, so you'll be able to do it faster. And you may have to take out a loan on the difference to Steven on the truck. If you're upside down. If you're upside down on it um that may that may be a realistic thing and scrape together some money and get something else and yeah but it's but when you're losing as much as you lose on vehicles

and you have so much tied up in vehicles so many dollars against vehicles of any kind, boats, sea dues, snowmobiles, side-by-sides, whatever the thing is. It's going down in value. Harley's the last caller, right? And, guys, it's just hard to get ahead because you're losing every year on every one of those things. And I'm not against you having a nice car. I'm just against you being able to afford it

you got to get yourself in a position that you can afford to lose that kind of money and you're not there right now so if i'm you the shortest distance for you is dumping that truck and getting yourself under control thanks for calling in bro sorry to be the bearer sell the truck i'm that guy i'm that guy just because I love you and I want you to win. That puts us out 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. Thank you. you