The Ramsey Show - App - Someone Gave You Bad Advice (Hour 2)

Episode Date: June 19, 2024

Live from the headquarters of Ramsey Solutions, it's the Ramsey Show, where we help people build wealth, do work that they love, and create actual amazing relationships. The phone number here is 888-825-5225. Rachel Cruz, Ramsey Personality, is my co-host today as we answer your questions about your life and your money. Aaron is with us in Salt Lake City. Hi, Aaron. How are you? I am 58 years old. My father's 83, and we farm together. He still comes to the farm five days a week.

Three years ago, I lost a leg. We have about $150,000 in cattle, and the cattle prices are high. I would like to sell the cows. They're just too much work. And they don't normally generate a lot of income, not the income for the work that they take. If you're going to sell beef, this would be the time to do it. I agree.

Well, that's what we're talking about. And he has been against selling the herd off, and I'm done. How long has he had the herd? Oh, 20 years. Yeah. He don't want to sell the family their family yeah you know they are and and i enjoy them but uh not that much but uh three years ago and i'm just i'm i'm on crutches i've been 11 weeks on crutches and i've had it i trying to farm 600 acres of ground with crutches is ridiculous. It's crazy. How'd you lose your leg? I was in a car accident and got diabetes from a car accident 21 years ago.

I'm sorry. Sorry, Aaron. I hit a motorhome head-on. I'm here because of seatbelts. A lady hit us and then pushed us into a motorhome 29 feet later. Oh, my gosh. It's been an experience. It's a roller coaster.

Do you have family? Are you married? I'm divorced 11 years ago. I basically lost all my wealth that I'd accumulated in a divorce. My wife had a traumatic brain injury in the accident. And after 25 years of marriage, she says, I just can't handle the stress. And I'm an entrepreneur. I've always been self-employed.

Okay, so if you sell off the cattle, they'll bring how much? About $150,000. You said that. And they're paid for. And your dad, he didn't want to do that because of what? Just because he knows it's probably the last time he'll own a herd of cows. Yeah. But he's to the point now that he realizes that this is a good,

if we're going to sell, this is a good time to sell. It is definitely that. It's the timing issue for sure. It is. You don't want to wait until next spring and then go dad blame we missed that that's right they're worth double what they were two years ago i know yeah yeah yeah um okay let me let's try this let's try this out okay okay sometimes when we're making decisions like, we feel like that they're more permanent than they have to be. Let's pretend.

Let's pretend we sold the cattle for $150,000, and you and I are both of the opinion that cattle prices are probably not going to continue to go up. They generally, like all agricultural prices, go up and down, and they are at an unusual high so it's fairly easy for you know a non-economist like you and i to predict that probably next spring there'll be less agreed agreed okay let's pretend that you could buy that same herd next for a hundred. If you sell off the cows,

if you sell off the cows, you still got the land. Next spring, you're miserable. Your dad's miserable. He's 84 and he's miserable because he doesn't have any cows. Well, take some of the 150 and buy the cows at half price that you sold and buy them back.

Makes sense. But here's my question. And then this is, we have commercial real estate on the interstate, on I-15. Is that got anything to do with the cattle? It does, because what I want to do is if I take the cash, I'm going to get taxed pretty heavy. Because I've carried over losses in the past. Last year, the price was high enough.

When I sold the cattle, I erased all my losses. So I'm not carrying any losses from the past. So everything I sell is going to get taxed pretty heavy. And you can't do anything about that. Well, can I buy, can I build a commercial building on the property I already own on the interstate? Nope. And take this $150,000 and convert it into a building? Nope.

You can, but you're still going to pay the taxes. It doesn't have the taxes at all. The commercial building is depreciable on a depreciating straight line asset at 27 years. So if you spend a million dollars, you can write off one 27th of that. Not going to help you. That was my question. Can I hide that?

There's no tax shelter for this because you've already blown through your losses, which were legitimate losses. I mean, you really lost the cash. It wasn't like a tax shelter. It was lost money. For livestock, what is the tax? Live poor and die.

We live poor and die rich. Yeah, yeah. I mean, I live on a thousand. It's what my budget is. What's your farm worth? $13 million. Good God. Dave, I have lived on a strict budget for $1,000.

Are you the sole heir? No. Well, no, not on the main farm. I have, on an LLC, I have 107 acres of commercial real estate that's in an LLC. My dad and I are equal partners. And the first guy that dies, the remaining guy gets

it all. And I think my dad might outlive me. Sounds like there's a chance. Pretty healthy. If I'm in your shoes, I ask myself, if I had $150,000 cash in the middle of the table,

would I go buy cattle right now at an all-time high? Answer is no. That means I'm going to sell them. And even if you don't sell them all, I would sell 80% of them. Agreed. And get it down to where the daily chore is more manageable because we've got a guy with an amputation and a guy that's 83 trying to handle 150 head of cattle.

It sounds like an impossible task to me. And that has over $10 million of land. Yeah, on land. You're going to be okay. Just to hear a mooing. Enjoy yourself. Yeah, you guys really ought to put this in a position where you can enjoy something here.

You've earned the right. Rachel's right. Both of you. Well, I've taken three vacations in 30 years. Yeah, what's the $150,000 worth? $150,000 is what they're worth. That's what you said. Okay. what's the $150,000 is what they're worth. That's what you said. Okay. Well, they got

$100,000 head and they're worth about $1,500. Yeah, okay. So it's $150,000. That's what I would do. And it's not because I hate cattle farming or anything like that. Dude, we have an 83-year-old and an amputee. You told me what's going on. I mean, this sounds like the fund left the building on managing a... The fun left the building

on managing this cattle. Elvis left the building, man. So, yeah, I'm... And if you hate it, you can buy them back next year at pennies on the dollar. Probably. That's my... And that's worth exactly what you paid for it. This is the Ramsey Show.

Rachel Cruz, Ramsey personality, is my co-host today. Selling a house the Ramsey way makes homeownership a blessing instead of a curse. Buying a house the Ramsey way makes homeownership a blessing rather than a curse. It is tough out there right now in the real estate market. It is tough to buy buy it's an interesting time prices continue to go up and there is a shortage of houses there's an inventory shortage and so that's why prices continue to go up and and yet the it's there's people buying in other words it's happening more people buying than selling.

So if you're a seller in a weird market like this, you need someone representing you that's going to help you maximize the asset and not think crazy about what you're going to pull off here. If you're a buyer in this market, you need someone to talk sanity into you if you get in one of these bidding wars. And that's a high-end, high-octane, high-producing real estate agent that knows their stuff and that's the only ones that are ramsey trusted i got my real estate license in 1978 and so i know what a real estate agent looks like that is a high high performing professional

and i know one one looks like what i call a donut eater they sit around eat donuts and talk about real estate but there's a difference. So who's going to sell your most expensive asset? Your aunt who just got her license three weeks ago and she's sweet? Or somebody that sold 150 houses last year? Nick say on the aunt say. I'm just saying, okay? No way.

Don't do this. All right. Go to RamseySolutions.com slash agent and get a Ramsey-trusted real estate agent to help you with this. You'll be glad you did. Alan's with us in Phoenix, Arizona. Hi, Alan. Welcome to the Ramsey Show. Hey, how are you, man?

Thank you so much for taking my call. Sure. What's up? um so um got an upside down loan in a car that kind of ran into my car loan now and sitting down trying to look at everything that we pan here in arizona of course everything is going up um that's like one of our biggest bills that we got. The car note is like 695 with like 6.9 inches rate on it. We're just trying to figure, I don't want to do a repo. I just need to try to get that payment down somehow, some way. What do you owe on the car?

$32,000. Okay. Have you looked up what it's worth on private sale on Kelley Blue Book? Yeah, we even took it to like Carvana. Now, Carvana's going to pay you wholesale. They're going to pay you wholesale. Yes. Yeah, CarMax, I mean, they told us that it was worth $22,000.

Okay. That means it's worth $27,000. Okay. Not because CarMax is trying to rip you off. CarMax is in the business of buying cars at wholesale and selling them at retail. That's how they make a living. And so why would they pay someone retail for a car? They sell cars for retail.

And so if they're willing to buy it from you for $22,000, you can rest assured it's worth $27,000, which leaves you $5,000 in the hole. How stinky is your credit? rest assured it's worth 27, which leaves you 5,000 in the hole. How stinky is your credit? That's bad. It's like 515, and that's why I can't refinance it. Who's the car loan with? It's with Toyota Finance. It's a 22 Toyota Camry.

So somebody told me about sub leasing it to somebody no no somebody's a fool no okay okay and why well because if they don't pay it you still owe it and they won't pay it yeah you're taking the risk on somebody else who buys a car on sublease somebody can't buy a car any other way because they're too screwed up and screwed up people that are so screwed up they can't buy a car any other way ain't gonna pay your sublease and then you're gonna get screwed again you've been screwed enough on this car we need to stop it okay so uh wow what do you make what's your household income um so i make 50 myself uh my wife she's a hairdresser but she recently just got a job um at a call center she makes 18 an hour okay all right so how much other debt have you guys got

so when i looked at everything with my kidney transplant and all that type of stuff my credit alone i owe like 17 000 right now your kidney transplant and all that type of stuff, my credit alone, I owe like $17,000 right now. Your kidney transplant? Is that like medical bills? Medical bills, yes. You had a kidney transplant? Yes, sir. Kidney and pancreatic transplant three years ago, four years ago.

Wow. How are you doing? I'm doing good. God is good. They call me a miracle because they say a lot of people don't get called for a kid. Yeah, I'm thinking after you've been through that, a car payment ain't no step, right? Wow. Yep.

Man, that's something else, Alan. Okay, so here's the answer to your question. Here's what I'm fishing after, all right? The answer to your question is we need to sell the car. In order to sell the car for $27,000, we need $5,000 to put with it to be able to pay the car off, right? Oh, okay. And that gets rid of the whole stinking problem. And then we go save up and get a $1,000 hoopty

until we can get some money saved to move up out of the land of hoopty. But right now, I mean, because dadgum, man, with with what you're paying a month you could save some serious money towards a car 10 months of your car payment to buy a seven thousand dollar car man jeez right yes sir wow so i that that's the world you're living in so we've got to get rid of the this camera do you have any money saved, Alan? Anything? So, there was another question of mine, but they only said I had to ask one. That's a very concerning one

because I got children. I get depressed about it. I'm 42 years old and me and my wife, we have no savings. We live in Arizona in a two-bedroom condo and it's $1,800 a month

and we just, we don't know what to do. It's just like we don't know how to go about it, if that makes sense. Yeah, it does. I've been right where you are, man. It's not fun. I haven't been with the pancreas kidney thing, but, oh, my gosh, I've been with the rest of it. I've been where you are.

I know what it feels like to be scared. I was still working full- doing that too so it was it was it was such a journey and so you know by the time my bills are paid and everything like that it's kind of highly enough to save anything so that's okay so here's the deal let's just let's just close our eyes for a second all right if um if you had twenty five thousand dollars your whole life would be different you'd be a hundred percent debt free and out of this car you'd have paid off all the medical bills and be out of this car be selling it if you had twenty five thousand dollars right Right? I would, yep. Right. Okay. Okay. So $1,000 a month is $25,000 in two years. Okay.

$1,000 a month extra jobs, $1,500 a month extra jobs gets you out in 18 months. Okay. I need you to save up five thousand dollars and sell the stupid camry as soon as possible and then just continue cracking that whip on that 17 000 from then on and let's be done with this thing and get you a cheapo cheapo car i don't want you to drive a cheapo car the rest of your life i want you to get rid of this thing that's killing you. Okay. And it's not with the CarMax or Carvana. It's selling it to an individual for $27, not for $22.

But you've got to have the money to cover the difference because you can't get the title to give to the buyer if you don't pay off the bank. Toyota's got your title. So the moral of the story Alan I think you know the conclusion is what's going to help get you guys out the fastest is raising your income and if you can

do something evenings and map it out too because this can feel always really overwhelming but just to say okay on average if I work an extra three hours a night for five nights a week you, what is that going to equal in money? If that's driving Uber, if that's Instacart, whatever it is, find some side hustle stuff and kind of map it out and just say, okay, how much do I have to work for us to get to a goal

of $1,000? And then timeline that out, just like what Dave did earlier. And then say, what if I did $1,500 a month, right? Start start running those numbers and actually write them down. You and your wife sit down. And your $50,000 doesn't even count her salary. So maybe there's a challenge for you guys lifestyle-wise to take her income and throw it. Yep, all of that. Everything at this. Throw everything at it.

We're cheering for you, Alan. Yeah, so you hang on. We're going to put you through Financial Peace University. And then I want you to call us back as you're walking through this if you've got other questions. You get some money piled up and you don't know exactly what to do, holler. We'll help you, man. We've been scared, too. We know what it's like. This is The Ramsey personality is my co-host today open phones at 888-825-5225 we're talking about you your life and your money and we talk about you right in front of you it's a free call at 888-825-5225 guys we could use your help and a bunch of you have been helping us,

and we want to say thank you to those of you that have helped, and thank you in advance to those of you that are going to. How can you help us? You can click subscribe on the platform. Follow on the platform that you're consuming this show. Share the show. Send a link to someone or tell them where you're listening and tell them they got to go check out the show thank you for sharing it when you hear when you read a good

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So one of those two things is going to happen, right? So thanks for hanging out with us. We appreciate you very, very much. Open phones at 888-825-5225. Missy's in Fort Wayne, Indiana. Hi, Missy. How are you? Hi, Dave.

This is Missy. Yeah, so I was calling because I'm not sure if we should put our assets in a trust or just a will. We have rental properties, and we just want to make sure that everything that we have, we get to pass on to the kids, and it doesn't get used up like in a nursing home or something like that if we were to end up there. Okay. Well, to start with, let's just back up before we got to nursing homes and let's just say everyone needs a will okay if you're 18 years old you need a will a will directs things sometimes

it directs an existing trust sometimes it creates a trust upon your death. I have a bunch of LLCs for my rental properties and other things that I own. I use it for risk management more than estate planning, because I don't want any single entity to have too big a target on its butt for lawsuits purposes. Okay? Okay. So we spread our wealth around into different LLCs, and we also have trust.

Most of our trusts that we have are for estate planning purposes, but they're pretty complicated trusts because our estate is over $20 million. Is your estate over $20 million? No. I estimate our rental properties in total are about $900,000, and our home is about $140,000. And then in investments and stuff, we have about $300,000 in liquid cash. Excellent, excellent. Way to go.

You're millionaires. How old are you? I'll be 50 this year. How much of this did you all inherit? We really didn't inherit hardly anything. My parents are both gone. I'll be 50 this year. How much of this did y'all inherit? We really didn't inherit hardly anything. My parents are both gone. Oh, you did it the old-fashioned way. You earned it.

Yes, yes. We have a small construction business. Good for you. Okay, so number one thing you want to protect your estate from with a will is just outside influences like the government telling you what to do with your money instead your your will you know it is my will that this piece of property go to my child that's why that's where the name will comes from it is expressing what your will is what your desire is you follow me yes and and so but you turn it into a written document

what your desire is and that's called a will a last will the last thing i wished for my last will the thing i willed was that you uh kiddos get this property okay so that's the first thing the second thing your wills and trusts are used for is to avoid a state tax federal estate tax federal estate tax does not kick in until 20 million dollars so you don't have a federal estate tax problem okay yeah uh the third thing you're wanting it to do is to avoid nursing home and i'm going to talk you out of that okay because there's two types of nursing homes there's nursing home that the government going to talk you out of that okay because there's two types of nursing homes there's nursing home that the government provides to people that are poor it's called welfare okay you don't want to live in subsidized housing i assume

no and you don't want to go to that nursing home either? I do not. Okay. So what you need is you need some money to pay for the nice restaurant instead of the junky restaurant. Yes. Okay. So you need a long-term care plan, and you can buy at 60 years old, you can buy long-term care insurance that will cover about three years worth of a nursing home stay. And by the way, the average nursing home stay in America is right at two years. Because usually once you get there, you don't last long.

That's true. Okay, statistically. Sorry, guys, but that's the way it is. If you're heading over there today, sorry to hear you this word. But yeah, that's the thing so you know uh uh the second thing you can do of course is just to have some money to take care of you a nursing home will cost somewhere today between 75 and 100 000 110 000 a year depending on what you want to what how nice a home you want okay now if you've got two million dollars and it's creating 150 000 a year of income

without touching the two million dollars and you will have that before you get there then the income off of your assets will provide you a very nice nursing home okay nursing homes don't come and take your assets the only time that happens is if you got two hundred thousand dollars to your name and papa goes into the nursing home and burns through the nest egg and then dies and then Mama's sitting at home with no money. Yeah. But the nursing home didn't take your money. You gave it to them to provide care. Okay.

And so it's just like, you know, the restaurant doesn't take your money. You gave it to them to get food. Yeah. You're purchasing. Was there another way you're thinking of that missy well you're trying to hide the assets to where she gets free nursing home from the government right well i'm i'm fine with paying for what i want i just don't want to just leave nothing to my kids yeah well if it if all that your stuff does is take care of you and your kids get nothing but a good example that's okay but it's better if you can set yourself up to do that now in my case i'm 63 i don't have long-term care insurance because i won't be going to a nursing

home why because i have enough money to hire somebody to live in my house and take care of me god bless that person. I'm thinking Rachel's not signing up for this because my daughter won't be coming to care for me. So I will have to hire someone because my daughter will be the care for me. I will. But that poor nurse, grumpy old dave come on y'all think he's great political discussion grumpier the older he gets too if you just go back a few years um but talk about talk about a trust that because the will can inform the trust you said that

earlier and so here an example would be a simple one would be if you have a special needs child and you're going to leave money into a trust to take care of the special needs child that's a special needs trust that would only be formed upon your death okay you wouldn't need to form that ahead of time as an example okay or if you wanted to leave money and try to control when your kids got some of the money you could leave it into a family trust and say okay junior until junior grows up and goes to college and gets all b's or whatever he doesn't get any money or whatever whatever you want to whatever verification you want to put in the will she can have for the rental properties in an llc and upon her death her husband's death the kids

the llc can be passed to the children absolutely Absolutely. So that helps with the rental side. Yeah, you just leave those assets to the person that you want, or people that you want them to go to. Our rental properties, when Sharon and I are both gone, will be going to the kids. Yeah, okay. And Rachel's husband. But you don't need a formal trust to do that in her case.

No. It can be just through a standard will. Yeah, a will will take care of that. So you need to go see an attorney and have a will drawn. And you need to do it within the next 30 days. Don't put this off. People put this off and it's not good. I'm afraid I might die. You're going to die. You need a will. Everybody needs a will. We did research. Nobody gets out alive. You need a will. This is The ramsey show rachel cruz ramsey personality nursing home care student she's my co-host today open phones at 888-825-5225 has officially declared me to be a grouchy old and just no crotchety

horrible patient i might be the nicest old man on the planet there are nice old men dave's gonna be in this studio just get off my lawn at night at 92 i'll be down here doing the show we've joked about this that he's gonna you know it's gonna start to get like oh i don't know if dave could go live on the air i don't know it's gonna get that time and he's not gonna give up if you know dave never give in never give in so we're gonna have to we're gonna have to we have like my answers will just get shorter and shorter i'll just say our joke has been we're gonna we're gonna be like dave you're on the air from noon to 1. Come to. And we all, like, we have fake callers. And then we're like, good show. Good show, Dave.

The show never airs. Good show, Dave. Way to go, Dave. And then he walks on out of the building and goes home. That's our plan. America, that's our plan. See, the problem was now you've announced the plan, and now I'm on to you. See, I wouldn't have caught on.

You'll forget about it. Yeah, I know. Don't worry. Oh, man. No, it is weird. It is a weird thing when you see your parents get older. My answers are going to get shorter and shorter. I'm eventually just going to say, stop it.

Next call. The old Bob Newhart routine. Remember that? Just stop it. That'll be $5. Stop it. Why'd you do that? That's dumb. Stop it it that'll be five dollars stop it why'd you do that that's dumb stop it that'll be my answer to everything you're wrong so funny so noon to one the show by the way for those of you don't know begins at one every day and runs to four

central time so their little fake show that they're setting up to take care of the old man later is never going to be on the air i'm just that y'all may not have realized the time we air this thing amber's in dallas texas hi amber how are you uh hi i'm doing okay how are you better than i deserve what's up good um yes so i was calling because i've been having um a struggle trying to make a decision on my car um and i got a lot of moving parts but my car is 17 years old and it just started overheating again for the third time two days ago. So I really can't drive in more than about five minutes. I did take it into the shop, and they are estimating it will be about $1,800 to repair it.

They say that it needs a radiator. And my guess is the car is not worth $1,800, right? I think if the car didn't have a problem, it might be worth $3,000. So I'm, like, conflicted because of my situation, you know, financially and personally. Like, if I should repair it, go ahead and repair it and try to find a new vehicle soon, or if I should just go ahead and try to get a different vehicle.

Do you have any money saved? So I have, I think I have about $35,000 saved. I don't work right now, though. I called before. It's kind of crazy that this is happening to me. But I'm unable to work right now. I have a baby, and I'm trying to get back to work, and I also have a disability.

So all I have is $35,000 left in my savings. I do have some stocks that I'm also wondering if I should be considering doing something with that. How much are they worth? They're worth about $25,000. Okay. I would go buy a $4,000 car and I would sell this car. Okay. Are you in a good church? I'm trying to do would sell this car. Okay. Okay. Are you in a good church?

I'm trying to do that now, yes. Okay. Are you, you're not married, I take it? No. Okay. All right. Do you have family in the area? No.

Okay. That's crazy. I need you to find, and the reason I was asking about church was not to rub your nose in something, but I'm trying to connect you to community somewhere because I need you to find an old ugly uncle that will stand in with you and help you on this car search. Okay? Okay. Not because you're not capable, because I think you are capable,

but because sometimes when people are selling cars, they will treat a sweet young lady differently than they will your old ugly uncle. Uh-huh. They'll be more intimidated by him and tell the truth and not try to sell you something that's a pile of crap. Okay. So I need somebody to kind of go with you go shopping the second thing the old ugly uncle might be able to provide and this is a stand-in uncle it's not going to be a real uncle in this case right

but um it is they may be able to provide some automotive expertise that you don't have so for instance i mean i'm old ugly, and if I went and bought a whole bunch of cars in my life, if I went with Rachel to go buy a car, I can probably tell her some things about a car, and she's perfectly capable of buying a car. Well, and I would say this too. Also, Amber, if you can ask around from like a great mechanic like like somebody that owns a shop and knows this who can like just again and maybe maybe the inspection of the car if you go on your own and find a car right that that that you take it to a reputable mechanic that you trust and that's known right like i i totally hear what you're saying but also like yeah i think about the price and the type of

car is it going to be sustainable because i don't want you to necessarily buy something that's a cool car for four thousand dollars i want you to find something that's reliable because you've had it with unreliable right well she's 17 years old car so a nice you know a nice honda accord that's old a camry that's old are two cars for instance that would stand up and those cars will run 300 000 miles uh if they're taken care of they may run more and um and so if you buy one that's in the four or five thousand dollar range and you pay cash for it that's going to be an okay move here that is not really your issue though your real issue is you have to find a way to start creating some income because you don't have a sustainable situation you're going to run out of money right how much how much of this savings amber are you using monthly like

how much are you dipping into this yeah um monthly it's about two thousand dollars a month yeah so you got 17 months and you're baked yeah that ain't cool that ain't cool we need a plan girl what were you doing before you had the baby um before i had baby i was doing doordash um and i had a like a very small studio that was only like 850 a month i was very lucky but as you've been talking about they went up kind of really high on the rent it was like like you know they're like oh we've been charging you too too little so they increased it your only income was door dash my only income at that time was door dash because i was going through like a disability multiple disability um cases like Social Security and long-term disability.

So that's where the 30, it was 80,000, but now it's down to 35,000. That's where that came from. So you're watching it dwindle away. We have to have an income. Right. You have to solve your career problem problem what's the nature of your disability uh so i have multiple sclerosis um so i'm trying to work with a vocational rehabilitation i guess specialist um to try to figure out something that I can do. Yeah.

You know, that's a good move. That's a very wise move. Yeah. So that's what I'm doing now. It just takes so long to get through all of this stuff. Yeah. Well, and MS has fatigue that goes with it. Yeah, absolutely.

Yeah. Yeah, absolutely. Yeah. Well, I think that's what I want you to do. Let's get some community around you to walk with you, and that includes that vocational rehab specialist, and it also includes anybody that can encourage you on the income side of the equation because I don't want you to not deal with this and look up and have zero. Yeah, but sell your car as is sell

your car as is and take some money or a five thousand dollar car and get something reliable reliable reliable i don't care if it's ugly all i care about is it's reliable reliable reliable this is the ramsey show Thank you. Take care.