The Ramsey Show - App - Never Borrow Money for a Rental Property (Hour 2)

Episode Date: June 6, 2023

Dave Ramsey & Jade Warshaw answer your questions and discuss:  "Should my husband take this promotion?" Why you shouldn't buy a rental property with debt, Student loan pause coming to an end, Managing money after a spouse has passed away. Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

🎵 Live from the headquarters of Ramsey Solutions, broadcasting from the pods of Moving and Storage Studios, it's the Ramsey Show, where we help people build wealth, do work that they love, and create actual amazing relationships. Jade Walshaw Ramsey personality is my co-host today. Open phones here at 888-825-5225. Olivia is with us in Roanoke to start this hour. Hi, Olivia. How are you?

Hey, Dave. Hey, Jade. How are you? Great. How can we help? Good. I just want to start off by saying that I'm actually in FPU, Rachel's FPU class right now, so I'm super excited about that. I am a stay-at-home mom to two-year-old triplet boys. Whoa. Shoof. Yeah, it's crazy. Yeah. Yeah, it's crazy. My husband is a car salesman in Bristol, Virginia, and so his commute is about 45 minutes to an hour.

He also has very long hours, and so he leaves the house at 7 and gets home at 9.30. Therefore, I am by myself with these three crazy boys for that whole time. I just need some guidance as to, I'm not really sure. So he has been a car salesman for about a year and a half. He is up for a big promotion. The CEO has actually said that he is next in line for finance school, and that would be a huge raise for us. He's making about $100,000 to $115,000 right now, and he would be making about $250,000 to $300,000. Doing what? Being a finance manager. A finance manager.

Okay. Yep, at a car dealership. Okay. Yep, at a car dealership. Okay. And the only reason why I know those numbers is because there's only two in there and they both make basically the same money. So I just need, I guess, some guidance. For me mentally, it is really hard. I don't want to have a pity party, but it's really hard on me by myself with three boys. Um, and he is never home. So I guess, you know, I was talking to Rachel about it and, you know, I just, I don't want him to lose this opportunity because it is

a season and they will be going to school, you know, in a couple of years. And I just, it's just really hard right now doing it. So I guess my question is. Would the finance manager have less hours or more hours? About the same. Okay. And that would really help us. We're on baby step number two right now.

So the promotion is not a question. The question is whether you just continue in this career field. Correct. Well, is the bigger just continue in this career field. Correct. Well, is the bigger problem that he's not around much, or is the bigger problem that you just need help at home? And whoever it is, if it's help with a babysitter coming every once in a while, what's the bigger problem? It's a little bit of both. Of course, you know, we severely severely miss him but i know that he's

you know he's working for us and for our future and you know to be able to you know sit on the beach well let's just say anyone who manages three you know triplets two years old that it you know 12 hours a day by yourself that that's that that that's wild yeah you're not whining to ask a question okay that's that's crazy land and um but now then then and you know the problem is you've got this other valid thing that's a valid thing the other valid thing is 250,000 a year is a pretty dead gum good deal. Absolutely. And, you know, you're making some serious bank there. Could you move over there and, you know, give you an hour and a half back a day, get rid of the commute?

So, yes, we actually moved here from Richmond, Virginia, for this job opportunity. And this was the first house that we just you know found because so what so sell it it's a stupid house okay okay move to Bristol look getting that time back in a commute is everything rent a house next door to the dealership he can come home for lunch yeah no absolutely I agree with that as well I have talked talked to him. You know, there's actually a house literally like.2 miles away. Let's go. And he says, well, it's on a very big road, and the house is right up on the road.

Well, you don't have to do that house. That's not the point. The point is move over there. Okay? Because two hours a day of this is commute. Absolutely. And then, like, you've got traffic jams in freaking Bristol. Absolutely.

There's no traffic jam. This is just a long way over there it is it is and i mean it's it's horrible i mean yeah sell the house and move sell the house and move and hire a nanny that's what you need look olivia when when my my family moved here to tennessee and before this i was basically worked from home i was with my kids as much as I need to so this was a big change and we knew going in the commute needed to be very short I can meet my husband for lunch the kids can come by for lunch I'm home in 20 minutes like that that is everything so I think that starting there we work some serious hours yeah so I think starting there is going to make all the difference in the world um and finding ways to bring each other into your day is a big part of this.

Like I said, if you guys can meet up for lunch, any of that stuff. And like Dave said, having help, just having a sitter come for two hours a day or an hour just to give you some sanity back. Because your mind, your mind ain't working right. You know what I mean? When you're with kids like that all day and hey if you're gonna make an if you're gonna if you're gonna make an extra 150 000 a year we can offset you know we got some money to spend that's right yes so spend 20 spend 20 on a nanny yeah you're not a spoiled little brat you're not you deserve that's okay to do that's the cost of him doing this that's right yeah now are you guys working through a lot of debt right now too is that what's giving you pause

no we have two car payments um and and the mortgage but i guess it's just the fact that we're you know of course eating rice and beans being the rice and just really trying to um gung-ho on everything look the price for sanity is a small price to pay. No, no, I mean, you're netting out, okay, because your other option is untenable. Your situation is not sustainable. Mm-hmm, mm-hmm. Okay? Right.

At $250, at $150, at $350, it's not sustainable. That's right. Because you're telling yourself that. You've got that message loud and clear in your head, and that is not wh whining and so what are we going to do well we're going to take the promotion we're going to move over there we're going to take some of that 250 000 that extra 150 000 and we're going to use it to hire a nanny and and that's not whining it's how we're able to pull this off you know how does rachel and jade with small children pull off new york city media appearances and book launches and doing the show three hours a day when they're down here to do it and doing

media hits at six o'clock and five o'clock in the morning on fox how do they pull that off help right you know and so there's a there's an offset that has to be there to be able to actually cause that to occur that's right um you know uh you know so that that's how you do it and i i don't think you're if you if i thought you were whining you know i'd tell you because i love you but i i don't think you're whining i think this is a reasonable reasonable situation where you need some help but you guys need to go okay this is not working what do we got to change? And that's what we started doing.

We started prescribing changes to you. Now, so I'd get down there right close to the office, very little commute, see him more, and I'd hire a nanny, and I'd take the promotion. And then, hey, a year from now, two years from now, if it's still wired up, maybe you do something different. But let's give it a shot. This is the Ramsey Show. Jade Warshaw, Ramsey personality, is my co-host today. Open phones at 888-825-5225. Stacey is with us in Canada.

Hi, Stacey. Welcome to the Ramsey Show. Hi. Thank you so much for this amazing opportunity to get your advice. Well, thank you. How can we help? My husband and my family, we live on a farm, and we pay really cheap rent where we are because we help out on the ranch.

So that's a good situation there. So we ended up buying a waterfront lake home to leave for a legacy for our kids when they grow up. So we do have that paid off now. So I guess technically we're done baby step seven. So now we're looking at buying a house instead of staying on this ranch forever. So I guess the question is, what order should we do this? Should we buy a house? It would be about $900,000 we'd have to save for. Or should we just go ahead and save a quick down payment on a smaller house in town that we could rent out and it would pay the mortgage while we save for our bigger purchase house? What would you do?

What happened to living on the ranch for reduced rent? Oh, we're going to do this as long as possible. So we would consider buying a country expensive home and renting that out. It would never cover the mortgage, but we just don't know how long. Why would you need to do that? I mean, why do you need to buy something? I guess so our money grows. We feel like that's the way we should do it as opposed to just saving it in a savings account.

Okay. No, I would not buy a rental property with debt. We don't have any debt. No, you'd be buying a rental property with debt, and I would not do that. Oh, yeah, because we don't debt, and I would not do that. Oh, yeah, because we don't want it. I would not do that. If you want to invest in good mutual funds, you can do that. And then when you're ready to purchase a home someday,

you'll have a big pile of money in your mutual funds. That might be okay. Okay. And that's not a savings account. No, I would not park it in a savings account. I don't want a million dollars in a savings account, but you don't have a million dollars. But what's the lake house worth?

Four sixty or I think five eighteen this year. OK. And you don't rent it out, do you? No, it's too rustic. Yeah. Rustic four hundred thousand dollars. I was thinking the same thing. We got a lot of.

Yeah. OK. No. No. $400,000. I was thinking the same thing. We got a lot of, yeah, okay. No, no, do not go buy a rental property with debt, which is in essence everything you asked. Every question you asked, every way you asked it involved buying a rental property with debt. You're not going to move off the ranch. You're going to stay in the cheap rent now, and whatever you were going to buy, you were going to have a mortgage, and whatever you were going to buy, you were going to rent. and whatever you were going to buy you were going to rent and so whether it was large or small or 900 or whatever it was it didn't matter it's all involved no i would not go into that no

absolutely not i would invest in good mutual funds if you want to buy some investment property save up and pay cash for it okay okay but don't buy a piece don't buy an investment property that you think you're going to live in 20 years from now because you won't the chances of you moving in that house 20 years from now precisely zero that's actually a good point that we hadn't really thought of we're thinking of picking something out we would like but yeah that's a really good point yeah your life is going to change your dreams are going to, your life is going to change. Your dreams are going to change. The dishwasher is going to change. Technology is going to change. You're not going to move in that house in 20 years.

I was wondering where the 900. Well, that was the home she wanted to live in someday. Got you. Got you. That was the future, the 20 year from or whatever, however number of years we stay on the ranch. I don't know. But yeah, yeah, yeah. It took me a minute to kind of unwind all that.

You've done a really good job. Everything you pay cash for you've got the uh you know basically the the parsonage on the ranch so to speak where you're living there virtually free and um and you've been piling up money you've done really really really good and then you got the real estate age i guess you got on tiktok or something and got the real estate so no don't don't don't go into that stuff i mean i love real estate but i love paid for real estate and that's what i would tell you to do so all right open phones here at 888-825-5225 student loan payments oh we'll restart soon and many borrowers aren't ready interesting article from CNBC here. Yeah, it says the more than three-year-long pause on federal student loan payments is slated to finally conclude within months.

And we know that they passed this debt ceiling legislation per se or this deal. And part of that, they've said, you're not going to extend this payment pause any longer. So we know, let it be known, student loans are resuming. Wait a minute. Did we tell you that? Oh, yeah, yeah we told you that we've been telling folks this day we told you that we're they weren't gonna be forgiven that you're going to pay them we told you that didn't we yeah and now it's time to pay the piper the piper calleth and it's time to start paying this is the king james version of jade yeah but piiper Colleth. Dave, I just, I wanted to highlight some of these numbers because I don't think people really understood what's taking place. These, I mean, obviously, you know, your payments have been on pause, no interest,

no payment due in quotes, but this was such a great opportunity to take advantage. Most people during this pause, Dave, have saved about $15,000 in payments. That's what they most people during this pause dave had have saved about fifteen thousand dollars in payments that's what they've saved during this time by not having to pay and what did they do with them pray tell nothing wait they say fifteen thousand dollars they don't have fifteen thousand dollars no dave they got they bought hamburgers and and and they bought expensive lattes and they bought car payments for 717 dollars that's what they bought and here's here's here's where my soul was crushed when i read only less than one percent of people continued to make payments during the pause. There is less than 1% of smart people who took advantage and said, you know what?

Yeah, I'm gonna make payments. They're gonna go straight to the principal. I'm saving money every month. I can put that back on my debt, hit the principal, pay it off. And instead, a lot of people said, you know what? I'm cool with this. I'm cool with the fact that this pause, it's free money, right?

No, it's not free money. It cost the taxpayers like a billion. Five billion. Billion. Billion. A month. A billion. Per month.

Per month? Per month. That's what I paid for you people to not have to pay your student loans five billion per month and stuff no dave this is free money there's no such thing yeah let it be five billion a month for people so that people could not have to pay their student loans and and did they use that opportunity to get ahead? No. Answer, no. One percent.

Less than one percent. And here's what- Paid the loans down. 43 billion people have benefited, quote, benefited from the student loan pause. 43. 43. Million, not billion. What did I say?

Yes, thank you. 43 million. Correction. And here's my thing. Everybody's still whining hoping that this uh biden's forgiveness will come through they want the ten thousand dollars right they want the twenty thousand dollars you got 15 and you squandered it so no you shouldn't get another 10 you should not get another 20 you got got 15 back in non-payment.

And what did you do? I like the word. You scoundrel. You squandered it. You squandering scoundrel. Yeah. You squandered it on burgers. Come on with the burgers.

Costco hot dogs. Going out to eat. Buying new clothes. Avocado toast. That's why they squandered come on chipotle that's what you spent it on my burgers all right chipotle tacos chicken how about that great oh that would be the point is lobster that's what they squandered it on look lobsters i would rather blame the lobster but point is, these payments are coming back.

And it's time to get in check, guys, because it's coming. It's knocking on the door. So Brooke, a single mother of two, did nothing. And as an extra $600 a month is going to start coming now. She has $100,000 in. I'm sorry. No, she has $240,000. And she makes $100,000 a year.

Yeah. And she says, where's the extra $600 a month going to come from? Less hamburgers. This is the Ramsey Show. Get out of here. Oh, my gosh. jade walsh all ramsey personality is my co-host hey if you're out running around america and you're in the nashville area just south of nashville is a wonderful town called franklin tennessee civil war era square that you can walk around and enjoy.

And one exit south of there, you'll find the Ramsey headquarters, which includes a lobby and free homemade chocolate chip cookies and coffee. Come in and visit. We do the show on the glass every day from 1 to 4 Central Time. And so you can come in and watch this happen every single day. And part of what happens in the lobby is usually 50 to a couple hundred people sitting around and part of what happens in the lobby is also we have this little thing called the debt-free stage and standing on it are ivy and john hey guys how are you good much debt have you guys paid off?

$347,000. $356,000. Wow. Wow, wow. Get it, Avi. I love it. Thanks. Well done.

Well done. How long did this take? 74 months. 74 months. Yep. And your range of income during that? Anywhere from $80,000 to $180,000 180 000 cool what do y'all do for a living i am a registered nurse i'm a plumber very good two great careers well done very good stuff always

in demand both of you yeah yeah never without work for sure no yeah whether you want to do it very good so i'm gonna guess and say in appleton, Wisconsin, in 74 months and 347, you paid off your house. Yes, we did. Yay! Let's go! Baby step seven. Boom, boom, boom. What's this house worth?

Roughly. With this market? I don't know. I mean, guess. Just roughly. Probably 300. I'd say 300,000. Why did you owe 347 on it? wasn't just the house oh that was oh

this is everything this is what we paid off to get so you live in a 300 000 house it's paid for yes and you paid off what other kind of debt well so i started back in 2012 i owed i had all of the debt i had the student loans the the car payment, the credit cards. I was diagnosed with multiple sclerosis back in 2004, so medical debt. And then I had a very short marriage in which I paid a lot of money, so divorce debt. Later that year, I was kind of wondering what I should do financially-wise, and in the bulletin at church was an advertisement for your class. There you go.

So I didn't know how I was going to pay for your class. When did John come along in this picture? Couple years later. I was hoping he was in the financial peace class. Just waiting on you. We took it together again. Again. Okay. All right right i started working

i hear it's romantic i'm not sure but yeah well it's something no i started doing it and i met john later that year actually we got married in 2014 excellent uh but we didn't do our finances together uh-oh how long before you did that? Two years. Okay. Two years. This was a journey. This was a journey. So in 2016 is when we started with the Gazelle Intensity. Yeah. I'll let you, I'll let John tell you. Well, I have a question.

Yeah. Sure. I want to know what happened to make you guys get on the same page. I mean, two years of doing your finances separate. Then what pushed you together? Well, one, I had my own business for 10 years before roughly 10 years before i yeah sold the tools and the truck um but i guess it came to he wanted to buy a brand new work truck and it scared me got it at the time it was going to be a sixty thousand dollar truck probably much more than that

now um but we kind of kept the business and the personal stuff separate and the whole idea of a car payment a truck payment on a business where he was his only employee scared me so you're like i gotta be able to control this a little bit so i said before we buy a truck can we go take financial peace university again because you're kind of hard to explain to people you flunked yeah okay i got it no i know you said again did he i never took it oh that was your first one that was my first okay so it wasn't again for him i got no but i wanted him to experience the whole experience so you knew i could talk him out of it right and you did

yes that's pretty much what happened it's all good it was please don't buy a truck till you talk to dave oh that ended that i think it was a trick john all right so very cool now you're 100 free yes now obviously you're doing really well with the ms yeah i actually found out that a lot of it um the really expensive stuff the drugs doesn't work for me so um diet and exercise so and stress well no more money stress there you go that's a big deal i've got a good friend that has been dealing with it for about 20 years and they keep her stress level down and her fatigue keep her from getting fatigued and she does great yeah and and is doing no drugs yep yeah i mean but

i mean it's different for different patients i understand i'm not medical you are but but um i mean you're obviously doing great congratulations i'm proud for you very cool guys very cool congratulations it feel to be a hundred percent free 11 years into marriage awesome really good no debt of any kind yeah it's weird so rich to be unbelievable how much is in your uh nest egg already oh you missed that part of the story. John will tell you that part of the story. Okay. Your retirement, what you did with your business.

A mistake way back. Yeah. So I worked for a company as a plumber, and then when I started my business, things were financially not that great. I ended up trading or... You cashed it in. Cashed it in, which I learned I wasn't supposed to be doing that.

But now we're doing really good. Yeah, we're playing catch up on that. So where are you now? What's your nest egg now between the two of you? Probably 500,000. There you go. So you're almost millionaire. Yeah, we're getting there.

Baby step millionaires soon. Very great. Very good. I'm proud of y'all. We just look at it as where could we be? No, no. It's a journey. This is a journey.

No, no. I mean, I could have been a slumlord. I could have kept a bunch of lower income real estate that I had, and it's all gone. And I went bankrupt. I could be there. Thank God I'm not. You know, I mean, life is, you could be a lot of places, but now you guys you're together you got a great marriage you're smiling you're fun you have a paid for house and you're almost millionaires and you're still young pups well done thanks

very well done i'm proud of you good good work wow very cool yeah love i love to hear it okay what do you tell people when somebody asks and they say okay how'd you do that what do you tell them the key to getting out of debt and building wealth is you have to talk to the other person about money i mean we tried that the first couple years of our marriage and it didn't work um there's some pretty stressful conversations that are had you have to have them yes uh yeah you buy a truck i'm'm going to kill you. Oh, yeah, that one. Well, not quite that. You would never say something like that.

Pretty close. It'd be a slow death. Pretty much. Yeah, it's really the difficult conversations that you don't want to have. And they're tough. But it's worth going through that, coming out on the other side of that. There's an incredible peace and cleanliness that comes with complete openness, complete unity.

We're dialed in. We're doing everything together, making decisions together, even though sometimes it causes some momentary discomfort. The long-term benefits are unbelievable. They're very good. Yeah. So i'm so proud of y'all thanks excellent job excellent job you're why we come down here very very cool good stuff all right it's ivy and john appleton wisconsin quite the journey everything's paid off baby step seven house and everything approaching baby steps millionaires status 347 000 paid off in 74 months

making 80 to 180 count it down let's hear a debt-free scream three two one yeah get it I like it! Powerful stuff. It's great. Hey, we've got the Live and Give bundle for them that includes the Total Money Makeover book, the Baby Steps Millionaires book, and another Financial Peace University membership. They'll be able to give those things or keep them for themselves. Everyone who comes and does a debt-free scream gets that.

This is the Ramsey Show. Jade Walsh, all Ramsey personality, is my co-host today. Open phones at 888-825-5225. We're glad you're here. Susie's with us in Virginia. Hi, Susie. Welcome to The Ramsey Show. Hi. Hey, what's up?

I would like to thank you, first of all, for sharing everything that you've learned to help others have financial freedom. Well, thank you. Um, I, my husband and I had listened to the show for a couple of years and we had applied, uh, some of your teachings in the baby steps. And, um, we kind of forgot an important one. Um, we, we had paid off all of our debt and we were working. He was throwing everything at the house and um he unexpectedly passed away in september of last year oh my goodness how old was he well he was 67 oh my and how long were y'all married it was 20 20 years um it so sorry. It was quite sudden. He was very physically fit.

It was very unexpected. He had been to the doctor, and the doctors gave him a clean bill of health. I knew and he knew that something was not right, but ultimately he had an LLC. We had three different locations, convenience stores, and I was thrown into a whirlwind and mourning for my husband at the same time. But the good news is the business had an emergency fund, and so I was able to keep the business afloat, really not knowing technically, I just always assisted him. I never, he was an accountant and he had a business degree and he had run convenience stores for 40 years. So I was just the assistant wife, but we only had debt on the house. It was amazing because the months before he passed, his life insurance policy ran out.

And he was like, honey, my rate's going to go up. And I was like, no, don't pay it. You're just fine. And so listening to your show, he knew how important it was because we did have a business. And we have one more child that is, she just graduated high school. And so she wanted to go to college. And so he felt like he needed to have this. And so he paid the extra high premium on the life insurance.

And then less than 30 days he had passed. Wow. And so I ran the locations for five months. We didn't have a plan. He unfortunately did not have a will. So I'm dealing with probate. Like I told you before, we were best buds. Did you get the stores sold?

Yeah, I did. Oh, good. And so that's why I called you because I just wanted to thank you because, you know, we did not have any debt and we were following through with the plan, but then yet we were missing two bigger pieces of what happens if. And so he gave, I just randomly asked him one day how much the location is that he, you know, how much do you think that they're worth? I mean, you know, and so I had an idea, and the people came, and they bought the store, and it was a blessing. The Lord was involved in all of it because I really didn't.

All of the numbers were up in his head. Nothing was written down. But where I am now, I've been mourning for nine months. I ran the stores for five, so it's been about four months, and I'm ready to start dealing with all of the money that is in the bank. So how much do the stores sell for? Almost a million. Wow. And how much was the life insurance? Because each location had about $100. Yeah. How much was the life insurance? It was $500.

Okay. So you're sitting on $1.5 now? Well, I had to pay off the house. Okay, good. That's good. Nothing wrong with that. So how much have you got left? About a million.

Over. Okay. That's great. Good. How old are you? Yeah. I'm 44. Oh, okay. You got all kinds of time.

Okay, cool. So I guess I went on the website, and I looked up one of the financial advisors, and I called them and then I met with another. And so my question is, yesterday I was kind of impulsive because I feel like the money that's sitting in there, I feel like it's just not growing.

It's not, but don't get impulsive or panic. Take your time. Get with someone that has the heart of a teacher. Did you meet with a SmartVestor Pro? I met with him, but I didn't make any decisions. And I tell you the reason why I didn't. You don't have to. That wasn't what I was asking.

So the first meeting, you don't need to make a decision. You're just meeting them. You're interviewing them. How did you feel feel not what did you think how did you feel when you walked out of there after meeting that person i didn't i didn't feel like he was um eliciting okay so by heart's desires okay and then don't listen you got to go with that so go back on the website pick out another smart investor pro and go sit down you need to have a sense that they have the heart of a teacher or you don't work with them and let me tell you

right now you're a walking raw nerve because of what you've been through. And so you're feeling, the reason I asked that very specific question is you're feeling things at a heightened level of awareness. There's a lot of pain and a lot of fear of making a mistake. And all of this is heightened. And so your nerve endings are all chattering. They're going, right? Am I wrong? Correct.

No, you are so right. Yeah. And so just breathe. And what you need to have is a sense of peace and a sense of you're dealing with a solid person with the heart of a teacher. Yeah, and when you talk to these investment professionals, if they don't want to answer your questions or if they make you feel like what you're asking is silly or you've asked too many questions, for me, that's a red flag to go to someone else because that's what they're there. They're there to help teach you, help guide you. And you should feel like I can ask, I can, you know, I can speak to them and they're not making me feel silly or dumb for what I'm asking.

It might be that the other smart investor pro that you met with is excellent at their work. They are not excellent for you at this moment in your time because you're in a very unique situation, and you've got to have someone that slows everything down right now. Take your time. You don't take two years, but you don't take two minutes either. Just slow down. You need to walk through this, and it needs to feel like you're walking downstairs in the dark and you hadn't turned on the light.

You're going to feel that step before you take the next step and feel that step before you take the next step. Put my foot on solid stuff. You hearing me? yes you're gonna be fine you're gonna be fine you are uh wise and uh you don't need to apologize for not having the business or the accounting background the lady that i've just heard her story performed beautifully in a high stress environment i think you did an amazing job and so you can trust you you are trustworthy you're worthy of trust suzy look in the mirror you can do this and if you

need help you call here any time we're here to help you and if you need some more help if you want to get with our team i'll tell you what let's do this hook her up with the guys upstairs that run smart vestor pro and make sure that she sits down with the right one. Let's have our guys, let's just do a hand in glove, white glove experience here. Okay. Let's just make sure this is a widow. She needs to be taken care of. No charge. There we go. That's why I love working here, Dave. That right there. That's the way we do it. This is the Ramsey Show. Dave here. You can find all of our shows with the Ramsey Network app on your smartphone.

It's the only place to listen to the entire back catalog of episodes. Download the Ramsey Network app in your favorite app store today. Music