The Ramsey Show - App - Should I Quit My Job? (Hour 2)

Episode Date: February 15, 2024

🎵 Live from the headquarters of Ramsey Solutions, this is The Ramsey Show. It's where we help you win in your life, winning with your money, winning in your work, and winning with your relationships. 888-825-5225 is the phone number for you to jump in. It's your show. Jade Warshaw is with me. I'm Ken Coleman, and we love taking your questions. So let's get going.

Samantha is going to kick this hour off. From the Big Apple, Samantha, how can we help? Hi, Ken. Hi, Jade. Excited to be here. So high level, we just found out we are expecting our second baby. Very exciting, but we have our hands full. So I work full time. My husband works full time owning his own business. And he has broached the topic of me possibly

stopping working or reducing to part-time um and i'm not really sure how i feel about it i don't i don't know if i'm ready to give up working i don't think you are let's stop right there for a second we'll get to the rest of your question but but I got to tell you, we got a working mom beside me, and I'm anxious to dive right into this because, by the way you said that, I think you're leaning more towards, no, I kind of want to keep working. Am I right? Tell us your real raw feeling when he brought that up to you. I mean, there's a part of me that definitely is intrigued by it.

I mean, who doesn't want to be home with their kids all the time? And me. True. Listen, I love them, but I like a break. Me too. And I have a very flexible job. I really like what I do. I like the people I work with.

And I'm home most of the time anyway. I'm pretty much fully remote. Well, why don't you try it? And then if you start having feelings that are like, oh, man, I feel like I want to be home more, then you can adjust. Why do you feel that you have to make this decision before the baby's even here? I don't know. I think it's just more of, you know, it's come up a few times, and I don't know, it got me thinking, and I just...

Why does he want you to stay home? Like, what's his reasoning behind it? Is it a cost thing? Is it a nurturing thing? Like, what are his talking points, per se? I think probably more towards the nurturing side um you know I don't think it's a financial thing we definitely could afford for me to not work okay um how flexible how flexible is flexible when you said your your job is flexible and you're homeless anyway what does that mean describe flexible so I'm in the office two days a week um but my boss is very flexible he's got three kids of his own

so he gets it you know if you can't be in this week you can't be in this week um or like you know I haven't been in since early December it's mid mid-February now, so it's definitely flexible. The days that I am out of the house, they're long days. I have a far commute, a commute into the city, so it could be a 15-, 16-hour day, but it's two days a week for the most part. And I've got a follow-up question. So what does the flexible look like when I'm home? When you're three days at home, what kind of free time or control of your time do you have?

Pretty much complete control. If I need to step away for an hour, for two hours, if I need to sit on the couch because the babysitter has to leave early and bring my computer with me, I can do that. All right. So I did interrupt you because I wanted to dive in there. So I want to make sure we get to any specific question. But I think you called because you've got some concerns. We know your husband's concerns. He's like, you know what? I want you to be a full-time mom. It's great for the kids, the nurturing. That's his position. We get it. But you don't make this call if you don't have some concerns about what's on the other side of you walking away am i right yeah what are your concerns tell me i mean i from from one standpoint i as much as i know we can afford it and we're in a good position financially i there's always that

fear that things change and What's your income? Yeah, you could always go back to work. What's your income right now? I make $120,000 a year. Okay. And just me or my husband as well. No, I just want to know, because you're giving us your concerns, so I want to walk through those. So one is we can afford it, but that's also $120,000 pre-tax.

That's a lot of money what are your other concerns about walking away i also carry the benefits um and what does your husband work by the way i just want to know what does he make he so he owns his own business so, he takes about $150, but then he takes distributions kind of as needed. And, I mean, we try to limit that just because we don't really need it, so we can keep it in the business. The health care benefits are going to be very different if his company is carrying them. I've been there, done that. All right, what else? What else is on your concern list?

Anything else? I mean, we live in a very high cost of living area, so I just, you know, there's always the concern. So it is financial. There's two money things you've listed. Yeah. And that's not bad. Like, we're not.

No, I think it's fantastic. Yeah. I think it's your call, I mean, in this situation. I think he's got his preference, but this is a conversation that we have to have at the dinner table with a budget and go let's walk through reality if I walk away let's start doing a real new budget we got to start can I just be honest can I like I hope you're always honest I mean we I feel like if we were talking about a situation where you're like

I go into the city every day I work nine to five I come home I'm exhausted you we were talking about a situation where you're like, I go into the city every day, I work nine to five, I come home, I'm exhausted, you know, that would be a lot different of a conversation. But we're talking about a woman who honestly sounds like you have the ideal situation that a lot of moms would be like, oh, I wish that was the situation for me. Well, you kind of have it the best of both worlds in that you've got this flexibility and you can see your children. You've got three days at home that you're working. But you've also got two days where you go into the office and you get to be a professional Samantha. And so I honestly, if it ain't broke, don't fix it. I'm with you.

If I was your husband, I wouldn't have brought this up at all. Real quick. Because that's going to put a lot of pressure on him, too. Well, and I want to ask real quick, do you guys have any debt at all? Just our mortgage. Okay. So, again, this comes back to this is a preference issue. You guys need to have a real honest conversation, and you need to lay out your concerns with him.

He needs to hear your concerns. We need to put pen to paper on what a real budget conversation and you need to lay out your concerns with him. He needs to hear your concerns. We need to put pen to paper on what a real budget looks like without your income. That has to happen. And then we've got to square that up and go, here's the financial piece. I've got concerns about what life looks like with my 120 gone. Let's talk that first. And then you need to go, and then there's kind of like what i do i got flexibility the kids are gonna see me every day i kind of want to stay in and you didn't mention this but my gut is you want to leave the door open to coming back right yeah and i i don't think this is worthy of shutting the door i'm with jade 100 and i'd say as the the husband dude i'm feeling

some type of way i'm feeling some type of way because part of me would be like, well, what would it look like then if you stayed home? I'd turn the tables on this a little bit and figure out. Not me because I want that double income right now. I'm just saying to try to figure out what are we really trying to get at? Is it a money thing? Is it a nurturing thing? I guarantee you. And if you ask those type of questions, you're going to get to the bottom of it.

But I guarantee you this is his tradition. Tradition? The way he grew up, what you're going to get to the bottom of it. But I guarantee you this is his tradition. Tradition. The way he grew up, what he's always envisioned, that's part of it. This is The Ramsey Show. Welcome back to The Ramsey Show, where we help you win with your money in your work and in your relationships. 888-825-5225 is the phone number. I'm Ken Coleman. Jade Warshaw joins me. Jade and I were just

talking during the commercial break. I can't give it away or she's going to punch me right in the throat. We're going to do something fun at our brand new spanking new event called the Total Money Makeover Weekend. The dates are May 10 and 11.

And it's right here on our campus. Franklin, Tennessee is just a God's gift to the South. And just a suburb of Nashville. So great, great destination place. And you're going to get a crash course on everything we teach about money, brand new content from all the Ramsey personalities, including Dave, budgeting, beating Dave, budgeting, beating debt, investing, and more.

And it's going to be really fun in that not only are we going to speak, but we're going to do a lot of Q&A, a lot of interaction with the audience. And then, as I said, Jade has asked me to join her for a fun moment, and that's all I'm allowed to say. One night only. One time only event. If you've enjoyed our segments on the show in the past, when we talk about budget, she's the budget queen.

I've now given her that moniker. We'll see if it sticks. But it's going to be fun. A lot of fun. Tickets are right now on sale at an early bird price of just $99, but that's limited. We're going to sell out 2,400 people in the arena here, and it will sell out. So come on. RamseySolutions.com slash events. RamseySolutions.com slash events. All right. Speaking of collaborating with you, you told me right before the show that you got the 411 on some new app.

What is this? What do you have? Okay, so I kind of feel like yesterday was Valentine's Day. And in the spirit of that, I found this new dating app. Actually, my husband sent this to me. I'm a little concerned as to why Sam is sending you information on dating apps but I'm gonna keep that between you two I can't Sam's a good friend he's out there in the lobby sometimes he'll send me things that he thinks I know people will want to hear about I know Sam you know I love you I got you Sam I got your back he's a good man so he says

it says the new dating app there's a new dating app that only matches singles who have good credit scores come on and it's kind of funny because like we've talked about this before about when you're dating and like when's a good time to bring up financial stuff and that's where what are your barriers to to entry you know what i mean like what does somebody have to have the minimum on the table for you they're taking the step of we're gonna going to throw a filter in here. Yes. Listen, it says, just in time for Valentine's Day, the app is called Score. Now that makes me a little uncomfortable.

A new app and a website for the financially minded. It hopes to attract people with good to excellent credit scores who know the importance of monitoring their finances. No one with a credit score less than 675 is allowed to join. No no way 675 is table stakes so they have to submit their like credit report to yes wow yes of course an 850 is considered perfect and like very few people get in at that point but yeah you have to have at least a 675

um so score here's there's more to it than this and i think it's worth talking about there's a little there know what they're doing with that of course like yeah all right it's a dating window but we don't have to talk about that it is all right score is the creation of another company they're called the neon money club it's a company black owned and they partnered with american express to create not only this app, but this is maybe the other part that's worth talking about. It's its own credit card. It's called the Cream Card.

Oh, now I'm completely, I got questions. That's a Wu-Tang reference, Ken. It is? Cream, get the money. Dollar, dollar bill. This is why I don't know and I didn't get it. I'm not a big Wu-Tang guy. Wu-Tang clan, Ken.

I need to get caught up. I need to go back and refresh myself on the wu-tang yeah i mean when i look at you you scream somebody who would know all the wu-tang songs yeah anyway you're right this this card it's called cream it's called the cream card and it lets cardholders invest in the stock market using the points they earn. So it's a game. They are now setting you up. It's under the guise of responsible dating all to get a credit card. Am I drawing the lines correctly? What I'm thinking is happening here is we're all people who want to build our credit.

And so I'm going to find somebody on the Score app and I'm going to take them to dinner and I'm going to use my cream card to buy us filet mignon and Dom Perignon. And it's okay if I spend more than I can afford because I can take the points and invest them into stocks. I have so many thoughts that I feel like James Childs, our fearless producer,

sitting on my shoulder right now saying, careful, I have many thoughts about this. It's not good. I'm going to go to a restaurant with my score date and drop my cream card on the table. And she's going to go, ooh la la, like he has the card. I just don't know, man. This is all, this is garbage. This is a game.

So let me say this. You tell me more. Feels like we're in the Matrix again. They are gaming people literally it's just terrible i'm like wait a minute so you're gonna spend more money let's just put this in like it's just appealing only to the african-american community i hope it's not appealing to any community i mean don't get me wrong i think that i know you don't but i'm saying this feels like this is a this is a this is a real

play well let's real talk for a minute ken what i think about stuff like this is just jade talking what i truly think about um situations like this is i think that at their core they think they're helping people and they want to help people and they're thinking the way they think the way we help people is to help them build their credit score because if people people can have access to credit, they can have access to more. That's what a lot of people believe. Whereas here, our rhetoric on that is completely different, obviously. And I think that they do believe if we can offer this to people, we're doing them a service. And I think that's wrong.

We're slimy credit card people because the whole point of the app is to lead you up the ladder to the credit card. I'm just telling you. But think about it. I don't know what the point system is. They don't care about dating. They don't care about marriage. But they're thinking we're going to bring couples together who are like-minded, who

are going on a financial journey together, who are going to build their empire together. And I'm like, you can't do that based on credit and debt because think about it 100 if you say all right in a normal life if i was spending cash i'd spend a hundred dollars right but if you're like listen you don't get any points until you spend 150 then you spend 50 more and then you're like okay great i spent 50 dollars more and now i got 30 cream points and I can invest that $30. I'm like, what are you doing? This is a sign of the apocalypse when we're trying to get cream points.

We've now, it's like society is done. All right. Now I got an idea. I just got an idea right now. What if we have a, we have a program that is a, it's a dating app and it only allows people in that are debt-free. Listen, that would be the app for me. No debit card, no credit card. It's just, you know what?

You want to find people who are like-minded with you with money? Money problems is one of the biggest causes of divorce. We need a dating app. You and George need to get on that, and it's only for people who are debt-free, and you have zero credit score because you have no debt. Now, this would change society. would change society i have some real thoughts i can't share i'm just saying that's i feel like you're narrowing the pool a lot yeah yeah you want to narrow the pool to find the right person yes but small pool for the for the

long game yes but in many ways love goggles are can be very helpful yes love goggles like when you meet someone i'm lost right now i think i don't know i'm gonna get you where i'm going okay when i met sam warshaw i didn't know how much debt he had but i'm like this guy's a snack so i'm like let's let's go forward and by the time i found out how much by the time i found out how much debt he had my love love goggles didn't care. So he wouldn't have got into the app and maybe instead I would have been matched with some poindexter who's maybe not as good looking. I'm being a little altruistic, but I'm just saying you want to be around people, you know, that you want to have no money problems. You want to find girls. You want to find guys that

got no debt. That's just an it's an app idea and other this whole segment's hysterical uh what do you think america all i know is i'm looking at sam warshaw in the lobby right now and all i can see is a piece of celery no no no no no a carrot a protein bar a bag of chips a filet mignon well that's the snack that's an entree my world what kind of world do you live in where a filet is a snack what are you the rock i don't, that's a snack. That's an entree. My world, what kind of world do you live in where a filet is a snack? What are you, the rock? I don't know. That's what the rock eats. A chocolate-covered

strawberry, Ken. Oh my gosh. Stay away from the app and the credit cards and everything. Oh my gosh. I feel like I learned so much and yet I'm not better for it. Well, now you know Wu-Tang Clan, so there you go.

I do need to search the old tube, the YouTube, for some Wu-Tang videos. This is The Ramsey Show. This is The Ramsey Show where we help you win with your money, win in your work, and win in your relationships. I'm Ken Coleman, and Jade Warshaw joins me this hour, 888-825-5225. Joaquin is going to start us off in Phoenix. Joaquin, how can we help?

Hi, I was getting a call. I had a question. Me and my wife are going back and forth. I'll give you a little background. I have four properties, I guess, that all paid off, and we bought this one property to build a house on. My wife wants me to get a loan and finish building the house just because we've had some problems with hiring and doing it a little bit at a time.

We've been saving the money and doing that. So that's why I called in to see what you guys think about it. So real quick, are you living in some other house, or are you living in a part of this house? Because I heard you say four. Okay. No, I have a house that I live in right now. That's paid for. I have like two other rental properties and then we bought this other property.

Okay. I heard properties and I wasn't sure if we were talking dirt or homes. So are there homes on all these properties? No, no, no. Yeah, I have three homes and one property. Well, it has an old beat-up home on it, but I'm going to tear it down and I'm building that. Gotcha. And you're in the process of building another house right now? Yes, on that property, yes, sir. How much do you have left?

Oh, I just started building the shop. Okay. Like I said, the house I live in now is 20 years old. So my wife wants me to put some money into this house, and I want to sell this house and just use that money to build a house. Okay.

Well, let's get some real numbers here. So what's it going to cost you? So eventually you guys are going to move out of this house, and you're going to build something on this land or whatever it is that you own right so what what do you think it's going to cost to do to do that i'm looking about 400 400 okay and how much cash do you have saved uh i got about 150 like in the bank i guess i can with. And is that aside from three to six months of emergency fund? Or is that including? Yeah, well, because I have no, that's the side.

Because I have like 20,000 I saved for emergency fund. So we've got 20,000 aside for emergency fund. And then you've got this 150, correct? Two separate pots. Yes. Okay. I'm sorry, I'm asking you a bunch of questions, but I want to get the lay of the land.

How much income do you and your wife bring home per month combined? It's about $120. I mean, it ranges, goes a little higher sometimes, but $120 is about that. Okay, so my suggestion here, I'm going to give you a couple of different options. For your emergency fund, I'd probably like to see it beefed up a little bit more simply because you're about to move into a brand new

house or you kind of live in a rental now that needs work. I just feel like having a little more than $20,000 might be helpful. So whether it's you just stacking that cash up or you moving some over from the $150,000 that you have piled up. Then my next question is if i if i were you you know i look at this situation and i'm thinking you've done a lot of things right you've got paid off real estate but my personal residence i don't want to have a bunch of paid off real estate over here that a bunch of other people are living in but my own personal residence has a mortgage on it like i want to make sure the house that you know even now don't have a mortgage right but when you go when you go to move into this new house that you build right you want to

lay your head down on the pillow and know there's no mortgage there so i would consider i don't know what these other three properties are worth but what would it take um to find to pull together another you know three hundred thousand dollars to make this happen debt-free well see that's the thing i wanted to do that but then i'll keep building it up and i mean and then do it as we go but my what my house i'm in now needs work i mean so i need to put like another twenty thirty thousand to this house in order to even sell it no i would sell for five right now as it is but then i want to you know fix it up a little bit if you know that you're going to sell it? No, I would sell for $500 right now, which it is, but I want to fix it up a little bit. If you know that you're

going to sell it, I wouldn't put the money into selling it if you know that you're going to still pull $500 from it. But then my wife, I told her, let's move to the other property and live in our motorhome and then sell this house and we'll have the money to build a thing, but my wife don't want to live in the motorhome

up on the other property until we... How long would it be? Live in this house and we'll have the money to build a thing, but my wife don't want to live in the motorhome up on the other property until we... How long would it be? Live in this house. Well, another story. I got two girls that are still in high school, so I gotta wait for them to get out of high school. So I got about three years. So when is the time?

What's the realistic timeline on this? If they're out of high school in three years, let's put some real numbers down because i'm thinking okay number one the house is not on fire so this is not even a thing it sounds like until three years from now so the things that you were talking about the house yep go ahead the things your wife doesn't want to live in a motor home and that's understandable so we're definitely not going to have her live in a moat i'm sorry say you want to live in a motor home with two teenage girls right exactly nobody does no one

wants to do that so we're not pulling the trigger on that at all right now so realistically your timeline is in in three years unless you said okay we're going to sell this house we're going to sell the motor home and we're going to I don't know do something short term but I really what I think the strategy is no matter how you get to it is your when it's time for you to build on this other piece of land that you have you're going to do it in cash that's that's thing one and if you put that on the paper first and circle it with exclamation points then everything else is a derivative of that it's like okay we're doing this in cash so what does that have to mean in order for that to take place well we're going to have to sell one of these three properties so you said that one of them you live in one of them is um

tell me about the three properties so is it possible that you rent is it possible that instead of you guys living in the motor home when this time comes, that you coincide it to where with one of your renters, they're out and you're into that property until your home is finished. And then when your new home is finished, you move into the home and then you bring new renters back into that other house. And so now at the end of the day, you're left with one rental property with renters. You're in your home that's completely debt free. And I don't know what the motorhome situation is, but I'm selling it because it's going down in value. Well, I mean, I don't want to sell it. I like, I mean, I use it for, I like going out in it. I don't want to sell my motorhome.

What's your household income? You said $100,000? $120,000? And what's the motorhome worth? It's probably worth $100,000 $120,000 and what's the motorhome worth probably worth $25,000 so it's not worth a lot listen at the end of the day here's the math I want you to do if you calculate that with all the

other vehicles you have if it's more than half of your income your yearly income you need to get rid of something because that's too much you're not you don't have enough of a it's too much. You're not, you don't have enough of a, it's too much stuff going down in value at the end of the day. Joaquin, you called to ask us,

should you finance building a new house because your wife wants the house? The answer is no. And I've listened to you guys forever and I know you guys are going to say no, but that's why I wanted her to hear about. Right, but we've walked through everything. This is really simple.

You're going to do what you want to do with the motorhome. I agree with Jay completely. But bottom line is you don't need to finance, so don't finance. You have the properties to be able to do this. And with the kids and school and everything, Jade walked you through the timeline. This is pretty simple. I mean, it's time to move on. You either decide that you're going to do debt or you decide not to do debt. You know what our position is. It's that that simple but if i was in your situation i'm moving those properties so that i build the house that i really want that my wife wants cash and the good news is if he wants to get started on the sooner all he has to do is look and go okay like the other the other rental house when's their

lease up because as soon as their lease is up you guys can move in there and get started yeah sooner than three years from now so he's got options yeah it's his wife he's gonna have to get on board oh yeah and and he is not wanting to part with that mobile home i feel that do you look that's the least of his concerns i agree he can do everything we told him to do and still keep the mobile home uh but when you got opportunities like that it just makes so much more sense. Fascinating. So you have been, how long have you been co-hosting on the show?

Ooh, since September, no, since December of 22. All right. I've never asked any of my co-hosts this, so I'm fascinated with this. I'm ready, Ken. What is your take, having sat in this seat enough now, on why a guy like him, and I'm not knocking on him, why does Joaquin know exactly what we're going to say, but he still calls in anyway? He and his wife are not on the same page.

And so when he goes in to talk to her about this, he feels like he's speaking another language. But when he calls us, now suddenly we're all talking the same language and he realizes he's not crazy. That's what I think. And then he gets a little bit of confidence, a little bit of language. Yeah, it's like, okay, I'm not totally crazy. Okay, now I can stand on business a little bit more when I go talk to my wife. That's what I think.

I concur. I concur. I can't add anything to it. I've never asked one of my co-hosts. And you know what? Instead of pontificating myself, I thought. Pontificating. I want to see what Jade says.

That's a good word, Ken. It's a word you can use this week. No one will know what it means, but you sound great. Don't move. This is The Ramsey Show. Welcome back to The Ramsey Show. I'm Ken Coleman. Jade Warshaw is with me. 888-825-5225. Answering your calls. Let's go to St. Louis, Missouri area, and that's where John joins us. John, how can we help? Hi, John.

So me and my girlfriend, we are recently pregnant. I'm Ken, you're John. Oh, my bad. No worries. It happens all the time, Ken. I just wanted to make sure I wasn't confused. I'm so frustrated. I'm so amazed that you guys picked up my phone call.

You're doing a great job. So me and my girlfriend, we're recently, we found out we're pregnant. We've been together about six months. I've got some debt. She's actually debt-free, thankfully. But I've got some debt, some dead weight on my end that's dragging. And I've yet to check out paternity leave and all the benefits that I have. I checked out my handbook and it says to check in with HR, which I have yet to do. There's nothing stipulated in the

handbook. So I'm really wanting to take off three months, but you know, that's one of the baby steps. So I would be having to put that ahead of, you know, baby step number one. So should I go ahead and do that if they give me the, if they don't give me the parental leave, or should I focus on getting my emergency fund, doing the baby steps in order? Well, I'm going to tell you right now, if they don't give you paid three months, is that what you're asking? Yeah. If they don't give you the paid paternity leave, no, you're not taking time off. You're working. You're in debt.

You're broke. Yeah. Jade? well i i'm just i'm just not sure what like you know my girlfriend she says like she feels like i need to be there for her i mean well i'm in bed yeah but you can be there for her if you get paid but if you do not get paid for three months um, I think you're really struggling financially even scrap that money together. And I still wouldn't do it because I think you need to be getting out of debt. The best thing you can do to be there for her and this baby is to keep making money

and keep paying off debt. Period. End of story. Now that's my take. At the very least, and I have some views on this, but at the very least, one thing you could do is take some vacation take your vacation time and take a week if you have a vacation great idea because i do think that she's gonna need support as much support as she can get but if you can give her that week

after she gets home from the hospital that is so so much that's good but this points to a bigger conversation bigger conversation but john uh i would also add to what Jade said I think taking the vacation that's smart use your vacation time to be there for her but you guys are young and I've done this three times so I just want to say from experience you can be there for her while you're working too what that means is hold on a second I'm not finished I hadn't landed the plane you gotta let me land it before you I'm saying he can be there for her. He takes the vacation time that you're recommending, but he can work and still go home and take the midnight, the 4 a.m., bust his tail. He can be there for her and work full time.

Listen, John, you might need to go. Ken and I might need to have a little talk-see here. We can have a talk-see, but John, am I making sense to you? Because you're working doesn't mean you're not there for her. You're going to have to have some sleepless nights. Take the feedings.

Give her some time. There's no such thing as taking the feedings in the beginning, beginning, Ken. That's not true. I mean, depending on how you're feeding the baby. Thank you.

But you just made a blanket statement. My wife did not breastfeed. So guess who helped? That's true. That is true. I'm just saying. But you also made the blanket statement of like, he could still support her. I'm like, it depends on the situation.

No, no, no, no. He can support her after he gets off work by coming in, taking bath time, doing a lot of stuff. How about some laundry? I did all this stuff. You're acting like he can't support her when he't support her I'm not saying he can't I'm not saying he can't but I do think that and in his situation I let me be clear in John's situation he's got debt they're they're not married like there's a lot going on here I think if he takes his seven days of vacation I love to

get there for her that week that's. But in a grand scheme of things, the ideal situation is you've got three to six months saved. We always tell people to go into stork mode when a baby's coming. You're stacking up money because if you can't take, this is Jade's opinion, if you can't take paternity leave, you've got to stack up some money because I'm just telling you,

and I know plenty of women doing it that did it, but because my husband worked from home, he was home when I had my kids, but I can't imagine not having help for the first two to four weeks with a newborn. Especially if you had like a cesarean. Like, come on now, Ken. Okay, listen. I get it. But help doesn't only exist in the form of your stay-at-home husband.

I get it. I get it, but I'm saying you have the stay-at-home husband. I get it. I get it, but I'm saying you have to option. You didn't sound like you get it. I'm saying it's a great option if he has it. John, speak. Excuse me, can I interject here? Of course. This is your call.

Just to give you guys a little bit of background. So, like I said, in terms of what we do, we both work in a factory, and we both work second shift. Okay. She works 2 to 10, and I work 3 to 11. of like what we do we're both uh we both work in a factory and we both work second shift so we work she works two to ten and i work three to eleven so we're gonna have to figure out something about that first of all with the baby and that's gonna be something we're gonna have to work around and my debts are in the form of a 400 or a 4500 loan that i have to a bank it's an auto loan and that's 191 payment a month that I could free up that's the biggest one I have and then a debt to the state I owe through some legal fees and things like that

how much is that that's um I think 1500 or maybe 1400 after I paid a little bit on it okay um when do you guys get married um I'm planning I'm pushing that out until i get debt free to be honest here's what i think i'm gonna tell you my opinion and you can do what you want with it i think for you guys to have we could get eloped yeah honestly for in order for you to do the things that i think you feel you want to do and need to do i think you need to do it under the cover of marriage and so if i'm you, I got, I'm going, I'm going to the courthouse and I'm getting the certificate that way you can financially be there for her.

And in a way that you're both protected. And I think that's really, really important that you do this in that way so that it's like, okay, now we're working together. We're paying off this debt. It's our plan. And you guys are no longer

individual singles you're we and it makes it just makes moving forward a lot easier and it sounds like you were going to marry her anyway so in no way am i saying you should marry her just because you had a baby even though you don't even like her that much like i'm not saying that it sounds like y'all were on that path anyway so am i right yes okay can you pay off this debt john before baby arrives even in story mode i don't think that's possible i don't think it is i don't think maybe two i think two years maybe okay so um despite jay and i's you know difference of opinion on what the husband's role is here's the deal let me make it clear if your company says yeah we have a three-month deal and we're going to pay you then take it yeah. But I'm just telling you, I'm taking the extremely conservative

approach and it's all about money and you providing. And I don't apologize for that at all. If you don't get the three months paid, tough. Life is tough. The kid's going to be fine. She's going to be fine. We'll find a way. And you can be there for her, and you should be there for her after you've busted your butt all day long. I did it. But that loss of income is not worth it. No. No.

No. In this case, I definitely don't think so. I think you're better suited to keep working. But like I said, take the resources you have and try to help her out. But Ken. John, are you good? Before Jade takes off on me here i feel you good there's one more thing i need to get uh squared all right we got about a minute and a half yeah in regards to that loan it's on two vehicles and both of them are totaled out well one one of them is totaled out because i got in a wreck and i did not have insurance unfortunately and. And the other one, it just needs head gasket replaced.

And I'm not sure if I want to replace it because it's just a lemon, to be honest. But the total is $4,500? Yeah. It's just I paid quite a bit off on both the cars. One of them was a nicer car. What's your question? What can I do in order to alleviate those debts? Work for jobs.

Work for jobs. You got to pay it off. There's no, there's no, you have no life right now. Work four jobs. Work four jobs. You got to pay it off. There's no... You have no life right now. None. I mean, the only thing you could do is maybe take it to a scrapyard and see if they'd give you anything for the metal.

You could try working it out with the bank, but that's a Hail Mary. We got to have another plan. I mean, he said they're totally scrapped. They're totally torn. I know. He said, could he work it out with the bank? I go, I'm always going to leave the opportunity open.

Probably not going to work. The point is, you've got to pay it off. You have no life. She's pregnant anyway. They won't release a title to me to sell it. So they're like, you make this amount on sale or we won't release a title. You've still got to pay it off. But they're totaled vehicles.

Who are you selling them to? Well, I'd part them out. Like, one of those four cars. That's an option. The extension's like $2,000 a lot. But he still has to pay it off before he can scrap it out. Listen. Yeah, I tell him, like, you guys can take all the money for it.

Your only choice here is to work. You got to work it off. It's $4,500. You're working like a crazy man for a lot of reasons here coming up. You got a baby and you got debt you have to pay off. There's no easy equation out of this. Thanks for the call, John. You just got to work really, really hard. Congratulations. You got out easy this time of this. Thanks for the call, John. You just got to work really, really hard.

Congratulations. You got out easy this time, Ken, but I had my argument set and ready for that paternity. We're going to reset that because I'm right. I don't mind proving it. This is the Ramsey Show. Thank you.