The Ramsey Show - App - Quit Your Whining and Call the Waaaambulance (Hour 3)

Episode Date: December 27, 2018

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🎵 Live from the headquarters of Ramsey Solutions, it's the Dave 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. This is your show, America. Thank you for joining us. Open phones at 888-825-5225. Dawn is with us in Indianapolis. Hey, Dawn, welcome to the Dave Ramsey Show.

Thank you. Thank you. Thank you for taking my call. Sure. What's up? Well, my husband and I, August of last year, I drank the Kool-Aid. We started your program, and we've paid off around $55,000. And we've come up with a situation that we can't cash flow, and I'd like to know how you would handle it.

My mom passed away earlier in the year, and there's a large asset that we know is hers, but in order to move forward and make it all come together, we need to hire an attorney. Wait a minute. Stop. Stop. There's a large asset in her estate, and what's the problem with it? It's an asset my mom and stepdad purchased when they were together. They were married. And because it's not

in her name, my stepfather is now saying that it's not hers. And we know that it's hers. So in order to do that, we've been told we need to hire an attorney. Okay. What is the large asset? They bought some property on the outskirts of Dallas back in the 90s for about $174,000, and it's now worth $3.8 million. Okay. And how many heirs are there to your mom's estate? There's three. Okay.

And what proof do you have that your mother has ownership in this, even though she's not on the deed? The fact that they were married i know um they did business together um but they got a divorce pardon me did they buy this after they divorced no they were married they were together for 30 years and my mom passed away earlier in the year. Oh, so they were still married when she passed away. Yes. Sorry, I wasn't clear on that. Okay.

Was there no will? Well, they had a trust that they started last fall, and they had everything placed into the trust at this large piece of property. It was actually under contract, and it fell through the end of last year. So the first of this year, they relisted it, and they actually had an offer around the time that she passed. But the property's not in the trust. It was not in the trust, no.

Does she have a will? She does have a will. It's a pour-over will. We had it probated because I over will we had it probated because i thought if we had it probated it would force does it pour over into that particular trust into that particular trust okay then every asset of hers pours over into that trust right if it's a pour over will that's how that works there's no question about this he doesn't own it not her

he's saying it's not her he's saying it's not hers he's saying she doesn't have half ownership did she and they were married for 30 years yes okay all right so basically he's just trying to screw you kids he is and it only came up when he had a 24-year-old that he's met and now married to. Yeah. How old is this guy? 77. Wow. Okay.

Well, that's weird. Okay. I would think that if you have a case, and I don't know if you do or not. I'm not a lawyer. It sounds like you at least have something to argue about here. Your share of this would, in most states, I have no idea, but in most states the kids would get half that you divide among the three of you.

So it's a million and a half. So your share on this is a half million dollars. Okay? If he got half and the three kids got half and the half is one and a half, right? You said it's three. No, you said 3.8, so it's going to be a little more than that. But, you know, bottom line is your $600,000, $700,000 is your part net if you won, right? Right.

So you ought to be able to get an attorney to take that on contingency, meaning they get paid when they win. How do I find one of those attorneys? They're going to charge you a percentage of what they win. Okay. And it's going to be healthy, like a third, a quarter, something like that. But I want them doing that anyway and then i want them to fight to win because if they get zero if they lose so they're not going to take the case if

they don't think they can win it they're not going to take the case and run you 60 80 000 bucks in legal fees into the hole on your stupid credit card knowing that they can't win. If they get zero losing and they get a nice chunk if they win, they're going to take the case if they think they can win. So, you know, what I would do is just contact some – where was she when she passed away, Texas? She was in Texas. Yeah, it's the same county that they have the property at. Yeah, I'd start calling some estate attorneys in texas tell them what you're doing

and uh try to find somebody to take it on contingency it's not that unusual really it's a fairly standard practice where there is a major lawsuit like this and you need to do it pretty quickly you need to nail this guy fast before he and the 24 year old end up in mexico somewhere okay okay thank you That's great advice. Yeah, and that way you're not having, because I'm afraid, I don't know if you've got a case. I mean, you're going to have to have some real proof. You're going to have to put some things together. But the fact that they were married 30 years, in most states, that's going to give her some rights,

whether her name is on the deed or not and um you probably can you know provide some proof that her income her assets in some way contributed to the original purchase of this property but uh yeah grandpa needs his uh brain straightened out sounds like good gracious me yeah you get advice from a 24-old when you're 77 on legal matters. That'll get you in trouble right there. Oh, my goodness. Open phones at 888-825-5225. You just can't make this stuff up.

By the way, that's another case, and I have seen them for 30 years in doing this, that says not only do you need a will, but you it wasn't a car wreck or something, then she's got her will. She sits down with her husband and her kids all together, and in the presence of all of them, goes over what this means. And then you've got witnesses of what her intent was. And if Papa is going to balk at that point, then you can start making some moves while she's alive to fight through some of these things. Always know your will. Always have a will. And always have everybody that's involved in the will know what the will says.

Have a reading of the will while you're alive. It doesn't have to be a formal thing, but everybody needs to know what's will says. Have a reading of the will while you're alive. It doesn't have to be a formal thing, but everybody needs to know what's going on. And this is what it says, and I can give them a copy of it. It doesn't have to be a big secret. This doesn't have to be like a bad movie script. And that's how a lot of this ends up.

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This is the Dave Ramsey Show. It's a free call at 888-825-5225. Laura's in Cincinnati. Hi, Laura. How are you? Good. How are you? Better than I deserve.

What's up in your world? Awesome. Well, about a little over a month ago, my husband came to me and said, I feel like God told me to sell the house, or told us to sell the house. Okay. And I said, are you crazy? But we are God-fearing people. So I said, okay, well, here's what you have to say.

But a little bit of backstory. About seven years ago, we built our first home. And we lived in it for about five years. And we sold it unexpectedly on Facebook actually and made a really, really strong profit, took that money and put it on our current home, which we also built a year ago. Great, okay.

So there goes the shock when my husband said, let's sell our house that we just built a year ago. Okay. So the reason for the potential to sell the house is because we have $100,000 in student loan debt. What do you owe on your home? We owe on the home $270,000. What's it worth? Well, we took my husband's word honestly and truly, and we put it on the market. And so our realtor, we have it listed for $369,900.

Okay. So you've got about $100 in equity minus expenses, and that would pay off your student loan debt. How much other debt do you have? We have a car that's 12, and we have a lovely, your favorite, Elise, that I looked into getting out of, but it wouldn't benefit us. It wouldn't be of advantage to get out of it, unfortunately, because we just had it opened up in August. Now it probably is to your advantage if it's brand new. I think someone at the car dealership was giving you advice here.

And so how much is your fleece payment? $4.23 a month. Okay. Is that your car? It is. Okay. And what other debts have you got? That's it. And what's your household income? It ranges.

My husband and I both are on variable income, and it ranges from $115 to $120 a year. Okay. All right. Okay. Well, the only time I tell someone to sell a house, I'm not God, okay? But the only time I tell someone to sell a house is if, A, they don't like the house and they're ready to move, or, B, they're in so deep on the house that they can't breathe, and they're going to be a decade of getting out of debt because they're house poor, okay? And your house payment is not more than a fourth of your take-home pay.

You have a reasonable house payment here. Okay? Mm-hmm. So then it comes down to this. When someone plays the God said card, that's the trump card on the top of the deck, that wins every hand. Okay? Yeah.

That's the trump card if it is god and then that's what we have to ascertain if if i'm the one saying god said or i'm the one hearing god said that's going to affect my life you or your husband's position so sharon and i we're a little careful about that we usually say i think i hear god saying because i i've been walking with god a long time and there's times i can't tell the difference in last night's pizza and the holy spirit okay so uh you know it's just it's not not the people that hear perfectly from god uh scare me uh because i don't uh but i hear from him he talks to me i mean i'm his kid but sometimes it's last night's pizza and sometimes it's him.

I can always tell when I look back. I can't always tell looking forward. I have learned a couple of things to look for. One is, if my wife and I can be in agreement that we both are sensing that, then we're pretty sure that's going to be God. Because Proverbs 31 says, Who can find a virtuous wife for her worth is far above rubies?

The heart of her husband safely trusts her, and he will have no lack of gain. So your spouse speaking into the situation is one way to help determine if you're really hearing from God. The second thing I look for is

I look for a tremendous peace, the peace that passes understanding. Correct. This has been our prayer for the last month is God give us, you know, let us follow peace. Yeah. And then you've got to ask yourself, are you... We know he's got very little direction.

You know, if I'm in your shoes, I'm asking myself, if Sharon were in this conversation, she would tell you that what she's asking for is not direction from her husband but direction from God to help determine is this really him because if it's really him the house needs to be sold and I don't think you question that and I sure don't right I don't see that this house needs to be sold looking at these numbers right but I think if it I think it would be okay to sell it, and I would never tell you to keep it if we were all 100% sure God told you to sell it.

And so if your husband heard clearly, then sell the house. And you got it on the market, and you can put that out as a fleece and say, God, if that's really you, then sell it. If it's not you, then keep people away, you know? But if it does not sell, you have to get rid of your car. And you guys are going to be on beans and rice, rice and beans, and no vacations and no eating out because you have a student loan mess on your hands. If it does sell, you need to rent something cheap until you get this debt mess cleaned up.

Because you make too much money to be this broke. Right. Y'all are broke. You're broke. And so I get the pressure, but sometimes people, not counting God Speaks, but sometimes people want to sell their house because it's a quick fix. It's not going to be a quick fix for you, but it is going to be a fix. Your car needs to be sold either way and get you a cheap car to drive around until we get

through this mess and then when the house sells we can knock out the other car and a bunch of the student loan then finish off the student loan debt and then save up for a down payment to build you another one because you guys are pretty good at building houses and making money on them yeah well we said we would never build again oh okay well maybe not then but anyway you save up and buy something then after after you get the other side of the debt and have your emergency fund in place. But look for a sense of peace between the two of you. Are the circumstances pointing to this?

That one's on the bubble here. Is the idea scriptural? Yeah, being debt-free scriptural, so it's okay. But does it require that you sell this house right now i can't find that in scripture right but but uh so i can't find it in the circumstances i can't find it in scripture so the last thing i can look to the last two things i can look to is agreement between the husband and wife and a sense of peace that passes understanding that both of you have that this is the right direction if you get those two things then it is god i'm good with it sell it get rid of it and um but but if

you if you really go i don't think so i think you're just scared about the debt honey then that's a valid thing to question and that's not questioning his holiness because if you're really holy you can admit that maybe you didn't hear or maybe you did hear um you know if you can't if you're really holy you can admit that maybe you didn't hear or maybe you did hear um you know if you can't if you say a hundred percent all the time i hear from god and you don't by definition you are not holy you're arrogant so and i don't think your husband said that i think he's just saying i'm feeling the pressure of this and i was praying about it and i think god's saying move the house along. And I'm not doubting that. I think that might have happened.

But I don't see anything here that's screaming one way or the other. So it's an interesting discussion. And a good discussion for those of us that are people of faith. Now, some of you listening out there are going, what is all that stuff? Because you're not a faith person. You're not a person walking in faith. So those of us that are people of faith that are Christians, we look at things differently. What is all that stuff? Because you're not a faith person. You're not a person walking in faith. So those of us that are people of faith that are Christians, we look at things differently.

And we actually are trying to figure out what God wants us to do and try to do that. And sometimes it's just not clear. It's just hard to figure out. But it's a good discussion and a good question. I've been absolutely no help to you except to say be in unity with your husband. And that's not you cave or he caves. That's actual talking it through, intellectual, emotional, spiritual, relational unity, where both of you are engaged and looking for that sense of peace that passes understanding. Since there's nothing here that the Scripture indicates 100% on

or that circumstances indicate 100% on. It's okay to do it either way, but if we're sure God said, then whatever God said, we do. This is the Dave Ramsey Show. I just love it when the companies we work with make it a point to give money away, especially during the holiday season. Once again this year, Zander Insurance will donate 25% of all sales from their ID theft protection plan in December to Operation Homefront. Operation Homefront is a very special organization that provides emergency financial assistance and housing to our wounded veterans and their families.

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That's 800-356-4282. Thank you for joining us, America. Jessica is with us in Phoenix. Hi, Jessica. How are you? I'm awesome, and I can't wait to do my debt-free stream. Ah, congratulations. How much have you paid off?

About $126,300. Very cool. Good for you. And how long did that take? Just over 12 months. Wow. And your range of long did that take? Just over 12 months. Wow. And your range of income during that time? So I'm a business owner, so as you can relate, sometimes the income changes,

and you aren't quite sure what the projection is going to be, but I started about $120, and this year I'll end at $496. Look at you. Wow. What a great business. Congratulations. Thanks. Yeah, my sister and I are super proud, and you have heavily influenced it.

She got out of debt. She was very clear that Spotify would be a debt-free business, and we worked our buns off to do it, and it's been fabulous. Well, well done. Man, that's awesome. So what kind of debt was the 126? So it was land and also a rental property that I owned. I'm, full disclosure, pretty adverse to credit card debt, and I didn't have student debt, but I did have a brief period in my life where I thought I was an awesome investor and would buy anything and everything that showed up,

and I didn't really have to think about how I was going to pay for it or get it rented. Okay. So you sold some of that, or you paid it off? No, I actually paid both of those off. So I think the precipice to really doing that was, A, as I talked about, you know, my sister is 100% on board with you. She and her husband got out of some pretty yucky debt following your steps and plans. And then the big thing is my boyfriend sat me down one day. He's like, Jess, look at the two, three, and five-year plan. And this is the amount of money you're going to pay in interest if you keep paying it how you're paying it. And the number just grossed me out. I was like, that's insane that I'm going to pay that much money when I can

get this done far sooner. So it was a big kick in my butt to get it done. Now, the income exploded in 12 months. Now, was some of that due to you were trying to scratch together money to pay off debt, or was just the business is just white hot? You know, my sister and I, we just stepped into the right time, the right place, the right marketplace. And I just think based on all of our mentors in the past and just having parents that were entrepreneurs, we just kind of hit the game at the right time and did the right thing. So it just absolutely exploded, and we've been very, very fortunate. But by having a plan to get out of debt, you had something to do with the money while you were making it rather than it getting blown yeah i mean we paid off four hundred thousand

dollars in less than two years and that was incredible and i've heard you say it a million times and i've heard other people say how liberating it feels not to have you know be encumbered by debt and it is so true once that's gone and you're like hey guess, guess what? The money that comes in is mine, and I don't owe anybody else anything. It's a really wonderful and liberating feeling. Yeah, very cool. How old are you? 35. Well done.

Dave, you're not supposed to ask a woman how old she is. Oh, I do it all the time. It's radio, so I get away with all kinds of stuff. I can break all kinds of rules here. There you go. Perfect. Hey, you're killing it, though. I though i'm proud of you very very well done i bet your mom and dad are on the sidelines just cheering they are you know they as i said i had very good mentors and my parents you know my dad growing up always said hey you have to save for a rainy day and you need to

make sure that you have investments or some wealth so that way if anything ever turns up down upside down you can take care of yourself and your family. And I think the hardest thing for me was that I'm a saver. And I know a lot of people come on the show and they spend and buy everything in sight and I'm the exact opposite. I like to hoard my money. And so it was a big mentality change for me to kind of whittle my bank account down and say goodbye to that money and not have that safety net that I was so afraid to let go.

But now it'll be no trouble at all. Yeah, now it's just building back up. Yeah, you'll be able to do anything fast. And you're on your way to being a multimillionaire. Well, congratulations. Very well done. What do you tell people the key to getting out of debt is? So, again, for me, if you're someone that, you know, doesn't like the idea of paying more than you have to,

I think doing the actual math and looking at those numbers and what you're paying in interest. And then secondarily, since I was young, I just knew that money was not going to be a struggle that I had. There was other things that I thought might be tough, but for some reason I just always had a knowing that financially it would work out. So it was really hard for me to look at a budget and create a budget. Money had just been in the bank account,

and so I didn't pay attention to it. I didn't think about where it was going. I didn't allocate, you know, a home for every dollar. And still to this day, that's something actively that my boyfriend and I do that's still hard for me. I just want to say, well, I'm just going to do what I want to do, and it's going to be okay but that's not a plan yeah well well done good job good job we've got a copy of Chris Hogan's retire inspired book for you signed signed by him that's the next chapter in your story to be millionaire and you're well on your way to doing that and I plan to call you when that happens with my sister so get ready I love it yeah we'll have you on the millionaire theme hour soon perfect very cool all, Jessica from Phoenix, Arizona, $126,000 paid off in 12 months.

Killing it from $120,000 up to $496,000. Count it down. Let's hear a debt-free scream. Three, two, one. I'm debt-free! Well done! Well done, well done, well done. Man, that is fabulous.

Absolutely incredible. Open phones this hour as we talk about your life and your money. Ryan is with us in Washington, D.C. Hey, Ryan, how are you? Hey, Dave, I am better than I deserve. Cool. How can I help? Well, first, I just want to say thank you for your ministry. My wife and I have been following your plan for years. We're on baby step four, and we're actually going to be coordinating a financial piece in January. Cool. How can I help? Well, I had a question for you about real estate investment trusts.

Right now, I'm investing 15% of my income between two Roth IRAs, one for me, one for my wife, who's a stay-at-home mom. And then I'm putting about 3% of my base pay into the thrift savings plan because I'm an active duty military. So I was just wondering if real estate investment trust, if that's a sound investment just to get me to 15% of my income. It would be pretty small percentage-wise. You can if you want. Here's the thing to look for. Don't do one of the small ones or regional ones or that kind of a thing. There are some that have some size to them.

And if they have some size to them and they're a national firm, meaning they have holdings in multiple markets that are in this, then basically a real estate investment trust is functioning like a mutual fund that buys real estate. Okay? Right. And nothing wrong with that um i'm actually getting ready to launch a little research project here in the next few weeks on them because i've been hearing such good things about them and i want to learn a little bit more about their track records when they first came on the scene and were a little bit more popular i don't know 15 years ago they they were

running the fees up so high that the net result to you your net rate of return as the owner you know as a purchaser of it was uh way substandard to growth stock mutual funds uh meaning like growth stock mutual funds might have been averaging around 12 these things were averaging like eight okay and if you can't find one that is outperforming the S&P, I wouldn't buy it. But if you can find a REIT that is national, has some size, so it's got good diversification in it, and it's outperforming the S&P and you want to move some of the money that way a little bit, I don't have any problem with that at all.

My understanding is, and again, I'm getting ready to wade back down into the actual, I want to actually look at a few of these things with some of my guys here and we're going to do that in the next few weeks and i just really want to see if there's a number of them if the if the category of reet uh the better the ones that are well done are outperforming the s&p they weren't and so i used to tell people i don't buy them because they don't outperform the s&p and all the mutual funds i buy outperform the s&p or i don't buy them you know and so that's what i would look for is two things one is i'd want it to be national so that it has good diversification it's not just regional and then the second thing i would want it to have of course a long track record anytime you're buying a mutual fund it needs to have a long track record same thing with

a reit and if they've got a good you know 10-year track record and they're outperforming the S&P with that track record, then yeah, I would look at that. I would consider making that part of my portfolio if I were in your shoes to get you up to the 15% that you're trying to get to of your household income. And the good news with the REITs, most of the time um they don't have um well there's not a lot of turnover in them so you may have a little bit of tax advantage there depending on how it's structured how it's run so good question thank you for joining us Thank you. Our scripture of the day, Matthew 19, 26. But Jesus looked at them and said, With man, this is impossible. But with God, all things are possible. Walt Disney said, It's kind of fun to do the impossible. But with God, all things are possible.

Walt Disney said, it's kind of fun to do the impossible. Yes, I agree. Our question of the day comes from Blinds.com. They have a 100% satisfaction guarantee. And that means even if you mess up. I mean, nobody does this. This is a pretty cool guarantee. If you mismeasure the blinds and you order the wrong length because you read the tape wrong,

or you pick the wrong color, they will remake your window blinds for free. That's pretty cool. You get free samples, free shipping, and new promos every month. You save even more. Use the promo code RAMSY. Blinds.com. John's in Virginia. We paid off our car in April, and last week I hit a deer totaling the car.

Dead comment. The insurance payout is $6,500, and that won't pay for a car that we are willing to drive. Why? The car you were driving was $6,500. Why were you unwilling to drive a $6,500 car? Should we fully finance a new car and save the settlement money or put it toward the purchase price to reduce

what we have to finance? John, you're too stupid for me to help. Seriously. That's the dumbest thing I ever heard in my life. You just emailed Dave Ramsey and said, how do you finance a car and you knew what you were doing that's just too dumb to help listen if you didn't get what your car was worth out of

your car you have a case against the insurance company but otherwise dude you were driving a $6,500 car so get you another $6,500 car and quit your whining. Wah. Call the wah-ambulance. I don't like my $6,500 car because a deer ran out in front of me. Wah. Well, if a car is an $8,500 car, then you need to sue your insurance

company for $2,000. You shouldn't have accepted the settlement. But apparently your car was a $6,500 car, so go buy another one until you have the money to do that. Should we fully finance a new car? Give me a break. Seriously. Folks, let me help you with this, all right?

The average car payment in America today is $502 over 84 months, according to the National Auto Dealers Association. $500 a month invested from age 30 to age 70 is between $5 and $6 million in your Roth IRA. I hope you like your stupid butt car. That's just dumb. You could have retired with $5 or $6 million instead you're driving something that's going down in value like a rock and calling yourself cool at the stoplight to impress people you'll never even meet.

It's just nutty. This car culture is nutty. And I'm a car guy. I love cars. I drove a really nice Roush Ford down here a while ago. 600 horsepower. It's a freaking beast. I love cars. But they all go down in value like a rock. And if you want to stay middle class the rest of your life, I'm not going to be mad at you.

But it's stupid. The best way to stay middle class is class keep a car payment ah you're always gonna have a car payment the little man can't get ahead what is e or your spirit animal seriously little man can't get ahead little i'm stuck i hope it's my fault i hope to come in old company i'm a victim you're not a victim you're buying crap you can't afford with money you don't have to impress people that you don't even really like. You're not a victim of anything except yourself. I've been a victim of myself, so I know what that looks like. I've done so many stupid things in my life.

And you know whose fault it was? Stupid Dave. And when smart Dave took over and we didn't feed Stupid Dave along, Stupid Dave finally starved out. And I got tired of being broke, y'all, so I quit making broke people decisions like car payments. Car payments are straight-up stupid. And let me just tell you, man, it's amazing.

You read these articles in these supposed financial things, this crap like CBS Market Watch or Yahoo Finance, and, oh, God help you, CNN Money, right? You read through there, all of these journalism students that are 27 years old with student loans coming out their ears are writing these articles for these finance lines for these finance um uh blogs or whatever they are i can't even call it what they're called but they're writing these articles and they can't even do math but they make the assumption you're always going to have a car payment so here's the best way to have a car and you know for people

who can't afford it well you know why you can't afford it because you got payments that's why you can't afford it that or you don't work you can't afford it? Because you've got payments. That's why you can't afford it. That or you don't work. And if you don't work, you don't need payments. So if you work and earn an income, the last thing you need to do is give all your money to somebody else and scratch your dadgum head and wonder why you're broke. You're broke because you were stupid. Because you gave your money to somebody else to drive something you couldn't afford to drive. It is that simple.

If you can't afford to pay for it, you can't afford to go on vacation, stupid. If you can't write a check and pay for that car, you can't afford that car. It's costing you $5 or $6 million in the scope of your life. You could have retired with dignity and changed your whole family tree and driven anything you want to drive by the way which is what i drive now because i live this way for 20 years now 30 years now coming up on 30 years i've been doing this god man i'm getting old that's what makes me mean and angry like that it's just i'm just i just have no patience for this. I mean, what should I do?

Take the money and put it in the bank and get a car payment. Give me a break. Not unless you want to be broke the rest of your life. Get away from car payments. That young couple called in here a few minutes ago, that debt-free scream. You know what they did? They sold their stupid cars. And they got a beater.

Now, let me ask you this. They're 28 years old. They're making $75,000. They don't have any debt in the world. How long do you think they're and they got a beater. Now, let me ask you this. They're 28 years old. They're making $75,000. They don't have any debt in the world. How long do you think they're going to drive a beater? Not long. Because if you don't have any payments, you know what you have? Money.

How many? $500 a month for 10 months in your bank account? It's called $5,000, isn't it? Can you buy a good car for $5,000? Yeah. 10 months later, could you buy a $10,000 car? Yeah. Because your $5,000, isn't it? Can you buy a good car for $5,000? Yeah. Ten months later, could you buy a $10,000 car? Yeah, because your $5,000 car didn't go down in value. So $5,000 car plus $5,000 more in your account.

Oh, do it ten more months. Now we're at a $15,000 car. We're 30 months in, two and a half years in of living grandma's way and paying cash for it. Out of that two and a half years, ten months you drove a $5,000 car, ten months you drove a $10,000 car, and ten months you drove a, well, there's none of the ten months. That's it. Ten months you drove a $5,000 car. Yeah.

And ten months you drove a $10,000 car. And then ten months you're driving a, 30 months you're driving a $10,000 car, and then 10 months you're driving a 30-month, you're driving a $15,000 car. So it's not like we're saying do this forever, but drive like no one else so that later you can drive like no one else. Make different decisions than broke people make. I mean, make different decisions. If you want a great marriage, find people that are married and have a great marriage and do what they do.

You've been married 16 times i don't need your advice on marriage you don't know anything about marriage you know a lot about honeymoons but you don't know much about marriage i want to find somebody's winning at whatever it is they're doing if you want to grow hair you don't need to ask me i'm not good at it on top of my head okay there's not much there so i can't help you with that if you need to know about hair care products i can't help you with that mine is hand need to know about hair care products, I can't help you with that. Mine is hand soap. I don't have hair care products.

I haven't seen a barber in a decade. Sam's Clippers, that's it right there, number three right there. It's over. I can't help you with that. If you want to know about hair gel, get somebody that has some hair and knows something about hair gel. But learn from somebody who's winning, for goodness sakes, whatever it is you're doing. If you look around at all the broke people, you know what they have? Freaking car payments.

No plan and no communication with their spouse. Why live like that? You get the decision. You can change. You can decide to change. You're not a victim of anything except your stupid butt decisions. That's the only thing you're a victim of. So make a decision that's different.

I'm going to decide to treat my spouse better. I'm going to decide to spend less than I make, a concept Congress can't grasp. I'm going to decide. You can decide I'm going to do a budget. You can just decide tonight. Ready? Ready? Set? Go. Ready? Set? Go. You can do this. You got this. You can do it.

There's no reason to be like all those other people. You can do it. That puts us out of the Dave Ramsey Show and 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, guys, it's Kelly Daniel, associate producer and phone screener for the Dave Ramsey Show. Hey, this hour of the show is over, but you can find our podcast on iTunes or Google Play.

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