The Ramsey Show - App - Should I Continue To Volunteer if It Costs Me Money? (Hour 3)

Episode Date: July 19, 2021

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Music Music Music Music Music Music Live from the headquarters of Ramsey Solutions, broadcasting from the Dollar Car Rental Studios, it's the Ramsey Show, where debt is dumb, cash is king,

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Kayla is with us in Detroit, Michigan, kicking off this hour. Hi, Kayla. How are you? Good. How are you? Better than I deserve. What's what's up so i'm 23 i just moved out um like a couple months ago i'm on baby step one and my question is is that i'm trying to um cut down from my budget to save money and i volunteer for a nonprofit organization that I truly love doing, but it requires, I,

it requires me to travel twice a year out of my own expenses. And I was wondering if I should keep going, um, with it or if, um, cause I need to, I'm trying to get debt free. I'm wondering if I should, uh, um, turn down my position. Yeah. What, what are you doing with a non-profit? What is it? I'm a treasurer and basically we help around the metro Detroit area with sobriety. Oh, that's good. Okay. And what drew you to work

in that? I'm three and a half years sober. Good for you. Thank you. Well done. So what were you on? What kind of substance? Everything but mostly Xanax and alcohol.

Okay. All right. Well, I'm proud of you. Very well done. Thank you. So what does the travel involve all around the Detroit area, you said? That doesn't sound like travel. No, like out of state twice a year.

Okay. you said that doesn't sound like travel um uh no like out of state twice a year okay so you have to go represent your local chapter as the treasurer at a convention yes okay is that mandatory for you to continue to do the other work that you're doing in the area um it's more like peer pressure. Yeah. I know it would really help out if I went. Yeah. Yeah. Okay. And what do you make? What's your income? I just got my dream career as an electrical apprentice,

and I make, after taxes, a little over $30,000. Okay. And when will you finish your apprenticeship? In about four and a half years. Okay. And what will you be making then? Over about four and a half years. Okay. And what will you be making then? Over $90,000. Good for you.

That's a good track you got. You got a good life laid out for yourself. Well done. And you moved out of the house, and here we go, right? Game on. Yeah. Game on. It just got real.

Yeah. Okay. And how much debt do you have? About $13,500. Okay. And so you're working 40 hours a week? Yes. And then I was about to, after, in September,

I was going to work part-time at a gas station to save up for Christmas presents and extra stuff I don't want to budget out for. Okay, that'd be fine. Or maybe you can find something that's even a little more lucrative for your part-time than that. Because if you're going to go to trouble to work part-time, I want you to make some money, right? Yeah. And so I don't know what it is

necessarily but um you might think about even uh i don't know dog sitting or nanny or whatever that kind of stuff in the evenings and you you actually can make a lot more doing that than you could doing something else so just be thoughtful about that so in in listening to your story, I want to participate in, with my advice, I want to participate in the 33-year-old version of you really winning. That's how I'm thinking about this, okay? And so in hearing what I'm hearing, your number one goal, and I know you agree with this, is continued sobriety. Because if you don't have that, everything else falls apart.

Agreed? Yes. So to the extent that this volunteer position with the sobriety organization is helping you in your sobriety walk, I don't want to cut it down. Like, for instance, I would never tell you to work a part-time job and miss an AA meeting, okay? Because the AA meeting is more important for your future long-term than the part-time job would be. That's an example by prioritizing your sobriety over money stuff.

You follow me? Yeah, I have worked too hard to go back and not have... Yeah, and so what I would do if I were you is I would analyze, is there a way I can volunteer for one year, work a good, strong part-time job, and is there a different way I can volunteer for one year and still be involved in the sobriety community that you're plugged into? Because as you've already...

Oh, yeah, there's lots of ways. Okay because as you've already as you've always okay as you've already discovered there's a lot of ways to but community's valid it's a big deal for all of us but it's a really big deal for you three years dry yeah yeah so are you going to meetings still Okay. And so that will affect your schedule on part-time, agreed? I can find other times to go. I know, but I mean, you can't work every night for six hours. Oh, no. Okay, that's what I mean.

Because I'm not afraid to put you to work, girl. Because if you got rid of $13, dollars in debt and had an extra ten thousand dollars worth of income mathematically it helps your whole situation agreed yes that's what i'm trying to get you to but i don't want to do that and interfere with your walk here because because here's the thing if we if we got you making ninety thousand dollars a year by by september and it costs you your sobriety it's going to cost you all that money it's because your money's going to go away so your job serves your life because your lack of sobriety eats all of that up it kills it all it trumps it so you you already know that but I'm just I'm saying

it out loud I know it too okay so all of that to say uh I want you to stay volunteering somehow but the faster you can get this debt off of you and you can raise your income a little bit while doing that, while staying plugged into that community, the less stress you're going to have in your life. And I thought I heard you say Xanax. Yeah. Yeah. Okay. So I like getting stress out of your life.

Agreed? Yes. And money, debt, and tight budget living on your own for the first time in a long time is stress. And we don't need that here either. So that's an enemy to your sobriety in your case too. So I think you're doing great. I think you're a rock star. I think you're doing great. I think you're a rock star. I think you're absolutely going to win. But let's balance between the extra income we can create and getting the money stress off

versus staying plugged into making sure you're going to meetings and plugged into the sobriety community that you love and that you're volunteering with that saved your life. Okay. So maybe you're not the treasurer for a year, though. Maybe you're something else that stays home. does that make sense does that make sense am i hearing you to put all these pieces together right did i miss something oh no i think you're pretty incredible i think you're going to do some big stuff you fought one of the biggest battles people can fight and you did it before you're 23 pretty incredible this is the Ramsey Show. Hey y'all, it's Christi Wright. Listen, I know you're busy, probably tired, and let's be honest,

maybe even a little overwhelmed. And with the busy fall season coming up, managing your time is only going to get harder. But here's the thing. You don't have to live your life always feeling busy and burnout and unhappy. That's why I'm so excited to tell you about my new book called Take Back Your Time, The Guilt-Free Guide to Life Balance. This book redefines what life balance is and shows you how to achieve it so you can have more time, more fun, and a whole lot less guilt. You shouldn't be haunted by the idea of balancing it all.

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But you're going to be meeting with someone that has the heart of a teacher that's going to guide you and teach you, not do it for you. You're not going to say, I don't know what my investments are. My guy handles it. We don't allow that. You have to be like a grown-up, and you have to know what the crap you're doing. And that means somebody's going to guide you and teach you and you're going to know what you're doing you're going to understand what you're doing or you don't do it david is with us in providence rhode island hi david welcome to the

ramsey show dave what's up man hey man how can i help talk to you about 15 months ago changed my life wow um i have a yeah yeah um i have i have two questions for you um one you always talk about the fleece i have no idea well i know what a lease is but i have no idea what a fleece is so when you say say that, what are you referring to? Well, that's a country boy's attempt at humor. When you fleece a sheep, you cut his hair off, and it's a country saying that means you got screwed over. And what that means is a lease is a fleece. A lease is a bad deal is what that means. All right.

So I own, and this is part of that question um i own a business and i do fleece a car for uh my wife uh the company has plenty of money to pay for that i know you disagree with it is it still a bad idea if it's the rule of business sure sure it's just it's an alternative it's an expensive method of financing is all it is. You're renting a car for your wife and you're paying a rental fee. That's the lease payment. And the rental fee at the end of the lease, you can either buy that car or turn it in, right? Correct. Okay. So if you were to take a financial

calculator and sit down with a financial person that would show you how to do the entry into the financial calculator, and you entered in the stream of payments, the monthly payments that you're doing over the length of the lease, and you enter in the final amount you would pay for it versus what the sticker value on the car is, you will find that on average they are charging you 14.2% interest. That's what I mean by it's a screw job. But it's never disclosed, and the reason it's not disclosed as an actual interest rate is because you haven't technically borrowed money. You're just renting the car.

But you can back out the financials on it and determine what they're charging you for the money, which is essentially what's happening, right? You're borrowing the money. Essentially, you're paying car payment, right? Right, yeah. Yeah, and so it's on average about 14%. Now, some are lower, some are higher, but that's the average nationally. And that's why Smart Money Magazine, Dave Ramsey,

and anybody else who's done the calculations on this stuff say it's the most expensive way to operate a vehicle. So if you want to buy your wife a car, you should pay cash. Working on it. Okay. So let's, you know, what I'd do is figure out a way to get out of this lease, either get it sold or get it paid off. If you can come up with the cash, just pay it off.

If you want to keep the car, that's okay with me. But I wouldn't sit there and rent their money for 14%. And that's what borrowed money is it's renting money and in a sense that's what the car lease is and since you're getting screwed we call it a fleece you're getting fleeced if you ever hear someone david say that you got fleeced it means you got messed over that's what it means uh tanny or tony is with us in uh twny is with us in Atlanta. Hi, Tani. How are you?

Hey, Dave. How are you doing? Better than I deserve. What's up? I wanted to get your advice on I have a good bit of debt that I've been working on. I'll be getting married soon, and I'm thinking about leaving my job. I'm dependent on my job, but I've been offered what I think is a great opportunity, but I'm still guilty of trying to make this decision.

Okay, so what do you make now? I make $85,000. What would you make of the new job? $120,000. Okay, and so you're getting a substantial raise. Yes. And what have you done wrong if you take this job that you're feeling guilty about? My company is going to be moving, and the controller,

and I've been involved heavily on startup costs and making sure that we can make this move and make it in a financially sound way. And we're weeks away from the move, and so if I leave, I feel really guilty about it. When are you required to take the new job? August 4th. So in two weeks. It'll be in two weeks. And the move is when?

September, the middle of September. Middle of August. Middle of August. Middle of August. Yes. Okay. Next month. Have you asked your new employer if you could have a middle of August start date?

No, I have not. Your new employer? No, I haven't asked them that. Are they pretty rigid or do they want you badly? They want me bad. They said they need me to start as soon as possible. So I'm hours away from putting in that notice. Well, ultimately, you would take the job, okay?

Okay. But I'm with you. I think you've got a matter of conscience here. You're a person of responsibility, and they're counting on you, and you don't want to let them down. And I think that's a – if you were applying here and you came in and we wanted to hire you, we would say, gosh, we really need you. But you know what?

We admire what you're saying so much that that means you're going to bring that same character to work here that we now we really want you and so we'll give you to august 15 okay if i were your future employer i would admire you if you came in and said i can come august 1st but i really really really feel like i'm letting these people down is there any way i could start a little bit later to help them with their move? Okay. I haven't thought of that, so that could be something I ask.

Don't you think if you were the future employer, you would like to see that type of person? Definitely. And the other option, of course, is that you offer to work for free for your former employer at night and weekends to help them make the move. I wouldn't mind doing that. You could give them 40 or 80 hours over the next two weeks, first two weeks of August, off hours. Okay. And that way you're not letting them down, if you have to. But, you know, and I don't know. I mean, we have accounting is very, very important,

and finance is obviously very important at Ramsey. And we've actually got some positions open right now, but we don't have any of them that the whole place is going to fold up and not work if you don't get here in two weeks. Okay. I don't have any emergencies like that. Now, they may. They may be in a real tight spot, in two weeks. Okay. I don't have any emergencies like that. Now, they may. They may be in a real tight spot, the future employer.

Yeah. But it sounds like you need to take the job, but we just got to work around you feeling good about your integrity. Yeah, that's what it is. Yeah. You're a good lady. You're a good lady. They're both lucky to have you on their team.

Not a lot of people think that way. Most people think about what they can get out of it instead of what they can bring. You're a person who adds value. There are takers and there are givers. You get to decide which one you want to be. We all know what Christie is. This is the Ramsey Shack. Thanks for joining us, America, in the lobby of Ramsey Solutions on the debt-free stage. Trey is with us.

Hey, Trey, how are you? I'm great. How are you, Dave? Better than I deserve, sir. Where do you live? I currently live in Baltimore, Maryland. I'm originally from Frederick, Maryland. Cool.

Good to have you in Nashville. And all the way here to do a debt-free scream. Yeah. How much did you pay off? Paid off around $43,000 in 27 months. Good for you. And your range of income during that time? Started at 37 and recently just switched to a new job. I'm making around 70. Whoa! Nice to double the income. What do you do?

Right now I'm a CX associate for a media company. So I basically run split tests on websites to see what helps sales and conversions. What were you doing before? I was a translation project manager for a local family translation company. But your IT skills got you the double, huh? Yeah, yeah, you could say that. I studied psychology, so it helped a lot to kind of learn statistics and apply that scientific foundation back into my work. Very good. Good for you, man.

Well done. How old are you? I'm 24. Good. And what kind of debt was the $43,000? So, 33 was student loans, and then the other around 10 and a half was a car loan. Okay, cool. Yeah. And the other around 10 and a half was a car loan. Okay, cool. So, 24 years old, 27 months ago, you were 21 years old.

And you decided to get out of debt. Tell me your story. What happened? Yeah, well, to be honest, it started with that first job. It just wasn't really the right fit for me. It was kind of a paper pushing job. It just felt pretty miserable. And then on top of that, I mean, back then I definitely had a spending problem because

I was paying the minimums on my student loans. It was like maybe a hundred dollars. And I thought that was like the end of the world. So from there, I just kind of started researching budgeting, how to switch jobs, make more money. and that's obviously how I found you. So me and my coworker kind of became obsessed with your show, binged all the shows on Spotify. Wow. Yeah. Way to go, Spotify. Yeah.

Well, we're honored. Thank you very much. I'm excited that you can do all this, and you're 24. You have the rest of your life to live without any debt. That's pretty cool. Yeah. Yeah, that's awesome. The math is amazing of and you're 24. You have the rest of your life to live without any debt. That's pretty cool. Yeah, yeah, that's awesome. The math is amazing of where you're going to be. I mean, you are really on a track here.

This is pretty incredible. Very fun. So how many of your friends were cheering you on and how many of them were making fun of you? So I have a friend here today. Her name's Natalie. She's amazing. She has been there from the start.

But eventually, I feel like my friends kind of, I feel like I talked the ear off a little bit with money. So I kind of had to turn to a different community. So I started actually like doing the YouTube thing, uploading videos about how to talk to your employer to raise your income, how to switch jobs if you want to. Yeah, so it's jobs if you want to. Yeah, so it's called Buy 9 to 5, but essentially I just talk about all of my, well, my journey and how it started really with you and your journey.

So, yeah, very thankful to have found you. Well, I'm honored. I'm honored. I'm honored I was there to give you some guidance, and you're a hero, man. You took control of this, and good to have friends like Natalie around, huh? Oh, yeah. Literally the best. Could not have done it without her.

Very cool. Good stuff, brother. Good stuff. What do you tell people the key to getting out of debt is? I would say start with a list of your values. Understand how your money situation is or your employment situation is keeping you from having those values be what you live by every single day and i think that kind of starts your why launches that and then after that it's really just budgeting like start your zero-based budget go on every dollar um if you're good with excel go on there make your own just do what you need to do to be able to actually track all of your

income and then all of your expenses and as long as your why is there you should be able to actually track all of your income and then all of your expenses. And as long as your why is there, you should be able to keep going, push forward. So you're a single guy. You don't have to talk anybody into doing this except the guy in the mirror. Exactly. But you had to talk him into it for 27 months. Right. What was the hardest part? I would say the hardest part was probably like, well, honestly, during the pandemic, when there was nothing to do all day, that's when I turned to the creative side and started telling people about my story. I think that's what helps a lot. But yeah, I think the hardest part is just not having an immediate support system, which COVID definitely amplified.

Sure, sure. Community is what we need. and it's what was taken away from us. Connectivity and relationships were damaged and taken away from us during that time. It was very hard for folks. Well, very well done. So the home that you grew up in, were they financially responsible, or you had to learn all this from the ground up? I had to learn it from you, but not all bad advice there. Just a lot of not really understanding who I was first, I think led me to make decisions that ultimately got me into debt. I'm very happy

that I went to college, but I think I would have done it maybe a little bit differently if I had known what I know now about money and the value of education. So, yeah, don't blame any of my upbringing on that situation. And it's actually been really awesome because I have actually, me and my parents have talked a lot about just money in general. And it's so sweet. They're saying that I inspire them. So we're all learning together. That's good.

Very cool. Very cool. That so sweet. They're saying that I inspire them, so we're all learning together. That's good. Very cool. Very cool. That is sweet. And it's not unusual for a sharp young man like you to get your parents' attention. So very well done, sir. Well, we're proud of you here, man. Well done. Good job.

Good job. We've got a copy of the Legacy Journey for you because that's the next chapter in your story to completely change your whole legacy now. And, of course, a copy of the Total Money makeover for you to give away and bless someone else and natalie thanks for coming down and joining him that's good stuff all right trey from rockville maryland 43 000 paid off in 27 months making 37 to 70 count it down let's hear a debt-free scream three two one i'm debt-free this is how it's done right here baby okay do you want to do a little math we could do a little math let's pretend that you're 24 and you make 70 000 a year and you don't have a payment in the world and you actually know how to control money because you're actually being a grown-up do you know how rich he's gonna be

oh my god i mean if he just take let okay 24 to 64 it's he never makes any more money than he makes now he goes 40 years without a raise which would officially make him a loser i mean you can't go 40 years without a raise right so 40 years without a raise and he only says 15 of his income do you understand that that amount going into his 401k into his roth IRAs 15 of 70,000 is somewhere between seven and ten million dollars you're looking at a rich guy that's what you're looking at a future baby steps millionaire uh all because he just changed his whole mindset about not only his income, his values, addressing his values at work, addressing them into his budget,

and making the decision to do this. Very sharp young man. Very sharp. So that's what sets you up, guys. And, you know, then what screws all of that up is life. You come along and you go, oh, well, I don't need to do this anymore. Oh, well, I didn't, that's tough. Maybe I didn't really understand.

Maybe, yeah, you understood. You just, you don't fall off the wagon. So, you know, the cool thing is if you get this young like that, the point is the amount of money. And you understand how unlikely it is that you never get a raise in 40 years and he's in it he's in technology so come on i mean seriously if he stays up on his continues to grow in his skills his income is probably going to double in five years or sooner but that's if we don't do that if we just stay at 70 so So the truth is, if he just saves 15% of his income, his real income, what it really ends up being for the balance of his life,

that young man should be in the $10 million to $20 million range. That's accurate, without any drama, without any craziness. Only 15% of his income. And along the way, buys a house and pays it off. Along the way, maybe gets married and has a car, pays cash for it. Along the way, pays cash for kids, college. Along the way, you can do a lot of

stuff while you're saving 15%. He's still going to end up there. Boom! So impressive. This is the Ramsey Show. Our scripture of the day, Proverbs 13, 3, Those who guard their lips preserve their lives, but those who speak rashly will come to ruin. Francis Bacon said, silence is the sleep that nourishes wisdom. Silence is powerful.

I would give you an example of it, but it's really bad radio. In this business, we call it dead air, but dead air is a good thing in a normal conversation it's a good thing silence is the sleep that nourishes wisdom uh some people talk and uh like i said i don't have an option here i got three hours i got to cover right but some people talk and talk and talk and talk christ doesn't do that. Christy's on the line and has a question. She's in St. Louis. Hi, Christy. How are you?

Hi, Dave. How are you? Better than I deserve. What's up in your world? Well, we have a potential change coming to our family. We own our home, and my husband, his job may be moving us overseas for two to three years. And our question is, given the current housing market, should we rent knowing that we would come back here afterwards?

It's kind of a rotation. Should we rent our home or sell it? Well, the downside of renting it is that it is – I've done this, okay? And I didn't move back in, but the home that we lived in before our current home is one of my rental properties today. And I've owned rental property for 30 years okay so i'm like a professional landlord so it shouldn't bother me but i'm just going to warn you it's emotional when you go back to your old house and it has had a renter in it it just it's just emotional because even if they were the best renter in the world they didn't take care of your house the way you would have yeah does that make sense i drove by my i drove

by my house that i owned the other day and i thought i think i'm gonna have to buy the lawn care because i can't stand those bushes looking like that that that's me you know what i'm saying yeah it's that kind of stuff it's like your kids bedroom oh look what they did you know that kind of thing now you can do it but i want you to be prepared for the negative emotions that are going to go with this this is not just a financial decision because it's your home then it's not your home and then you're going to come back in and you're going to spend a pretty serious amount of money making it your home again. Well, and that was what we were thinking, because you make pretty good money overseas,

and then coming back, we thought, well, at first we were thinking we'll sell it, then we'll just, you know, find another place to live when we come back. But I'm a little fearful. I'm not fearful. There's a housing shortage or something. No, I don't think so. As a matter of fact, I think it'll be a better market for you to buy in two years from now or three years from now. Because, I mean, I've never seen the market in 35 years or 40 years in the real estate business.

I got my license in 1978. I've never seen it this hot, ever. But it shouldn't last more than three years, right? I don't think it will. It's COVID and supply-demand related is what's driving the – now, I don't doubt that the market will be strong, but this white-hot craziness where you get 27 offers on a house in 48 hours, I think that'll be gone.

And you could take advantage of that right now and get one of these crazy people to give you crazy money, right? Yeah, well, that's what we like to do. Yeah. And it sounds like you're not married emotionally to this house. We don't love it. Okay, let's sell it. Okay.

And just get you a nice good one when you come back in two to three years and use all this, you know, use some of the income to pile up to move up in-house maybe. Yeah, that's a great idea. Yeah, and what a great idea. Yeah. And what will it sell for? Well, we were going to try for five. Okay. So you won't have any capital gains because married filing jointly up to $500,000 of gain is tax-free on your primary residence.

Oh, nice. Okay. So any money you make on this house is free and clear, along with the money you make you pay taxes on overseas. But, you know, you'll pile all of that money up, and you'll come back with this bankroll to do another deal, and you'll get a house you like a lot more. All right.

Well, thanks. I feel better about this. Yeah, that's what I would do if I were in your shoes, listening to your story. So what's your husband do? Well, he works for Boeing. Oh, okay. Yeah, and so they like to move people around every now and then. Okay, good. Very cool. Very cool. Yeah. Well, hey, thank you for joining us, and you guys have a, it sounds like a great

adventure. Have a great adventure. That's cool. Katie is in Houston. Hi, Katie. Welcome to the Ramsey Show. Hi a great adventure. That's cool. Katie is in Houston. Hi, Katie. Welcome to the Ramsey Show. Hi, thank you. Sure, what's up? Well, we're on baby step five and are thinking of selling our house and buying an RV to travel with our new baby. And I thought I could get your thoughts on this. I have a couple things I'm worried about and wanted to know what you thought. What are you worried about? Well, to start with, I'm worried about paying for a game. I'm sorry, I didn't hear you. You cut out.

You're worried about what? Sorry, paying capital gains. You won't have any capital gains. What is your home worth? Well, it's not that. I haven't owned it for two years. Oh, okay. Well, yeah, you will.

Have you owned it for one year? Yes. Okay, you will have capital gains, not ordinary income. So what will be your profit? Well, I own $60,000 on it. What did you pay for the house? $225,000. What would it sell for?

I think $260,000. You won't have any heart. I mean, by the time you sell the house for $260,000 and you have expenses, you're not going to make much. Right. And so let's pretend that you had $15,000 of expenses. Okay, that means you're going to have a gain of $20,000. At a 15% capital gains rate, that's $6,000. Whoop-de-dup-de.

Okay. That's not a reason to not make this decision. Now, what is the deal with the RV and a baby? That sounds like hell to me. You might be right. It sounds like a good time because he's not in school. And honestly, as a former kindergarten teacher, I feel like I can plant the basics for him. And he's mobile.

He's easy now. In fact, you can probably hear him in the background he'll be nine months uh on wednesday yeah and so what does your husband do for a living uh my wife is a police officer okay all right and how are you going to be living in an rv and the police officers show up for work well you're not going to be rving all over the country you're going to be parked we're going to be parked for the majority of a month and then on the weekend texas we have lots of options of where to go for short-term weekend trips and then during the summer and during holidays she's in a position where she can take an extended week or two weeks here and there.

And so it's kind of a five-year plan for us. Okay. You can do what you want to do. It's your life, okay? But you made the mistake of calling me, and I'm an expert on my opinion. So I'll give you that. That's why I called. So I'll give you that. Capital gains are not a problem here. The RV goes down in value. It's a really bad idea to buy an RV for the plan that you have because you're going to lose your butt on that thing during this two-year period of time. You'd be better off to rent one occasionally, like the two-week or three-week period of time

when you've got some time off to go and rent and go RV and let someone else take the butt kicking on the depreciation because the things are hard to get rid of once you own them and you'll lose your you're going to lose your you're going to lose your butt on it um and what do you think about renting it i'm sorry go i mean renting it just for that short period of time on the weekends and stuff if you want to rent an occasional thing but i think you keep your house and let it go up in value and have a nice quality place during the week to live in instead of living in a tin can with a baby well we were thinking about

renting it when we weren't using it yeah that's a really bad idea you got liability out the butt the thing's gonna lose you're gonna lose your tail on this you can do it whatever you want to do but i i gotta tell you if i were you i would enjoy some of those times away that you're wanting to do and spend my money in different ways rather than losing it on an RV. And I think you'll have a higher quality of life, especially during the weekend, doing that. I would keep that house if I were in your shoes. You do whatever you want, though. 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. Hey guys, this is James, Senior Producer for the Ramsey Show. Did you know over 18 million people listen to the Ramsey

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