The Ramsey Show - App - Stop Being Managed By Your Emotions (Hour 3)

Episode Date: October 11, 2023

🎵 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. George Campbell, Ramsey Personality, is my co-host today. I'm Dave Ramsey. The phone number is 888-825-5225. Starting off this hour is Corey in Cleveland, Ohio. Hi, Corey.

How are you? Good. How are you doing? Better than I deserve. What's up? So I got a question. I got $35,000 in credit card debt. I'm going through a divorce.

She wants me to take another half of hers, and I'm struggling. I'm working five days a week. I drive truck as a local truck driver, and I just don't know where to even start at. Okay. How much debt do you guys have as a couple you've got 35 how much does she have it'll be 65 000 total so she has another 30 yes okay and their car payments uh yes i have a car payment my my truck payment is 970 a month good god all right and um how much have a car payment. My truck payment is $970 a month. Good God. All right. And how much is her car payment?

Her car payment, I'm not too sure of that. Actually, we're going through a divorce, and we're separated at this time. Well, dude, you were married to her. Did you have the car then? Yeah. Well, she had given me my car back. I had bought her a Lexus at the time, and she had given it back to me, stuck me with that and my truck payment plus a motorcycle payment, and I was struggling, so I traded both of my vehicles in

and ended up purchasing that truck I have now. I saved myself about $500 a month doing that. Yeah, you didn't go far enough. No, I didn't. All right. Okay, so the problem is we're working out all the debts before there's a deal cut. So every time you get something paid off or figured out, she hands you another one. Yes.

Now, this has got to stop. You've already eaten a Lexus and a motorcycle, and now she wants you to eat 15 more of the debt that's the credit card debt that's in her name yes okay so we need to uh do you guys have an attorney yeah we have we both have attorneys i i try toner uh i keep the house and everything we put into it she keeps her debt i keep mine we'll go our separate ways and she we put into it. She keeps her debt. I keep mine. We'll go our separate ways, and she's not into it. She's not willing to work with me at all. Okay. Then I guess the judge is going to have to decide. Right. And that goes February 7th. I'm trying to figure out what I need to do in the meantime.

I have an opportunity right now to buy my own semi and go over the road and make sure what I'm making now. No, you need to get this cleared up before you do that, because she's going to end up with half a dadgum semi right that's what i'm worried about yeah how much money do you have in the bank uh at this moment of time i'm struggling and that's what i'm uh i have maybe 30 bucks right now i'm going through it right now okay and you're not driving over the road now or you are you just cut out on that uh that's why we were uh that's why we're going through the divorce we drove team over the road together me and her together uh we were racking down 250 000 a year between us both um i was sticking mine in my 401k. She was spending hers and that's another thing she's

wanting. She's wanting half of my 401k also. And we weren't even married that long, three years. And she's entitled to, uh, everything I put in from the date of marriage to the date of divorce, which, uh, it's not even, it's not really a lot of money, but I worked for it, you know. You guys have kids? No kids, no. Okay. So are you driving over the road now? No, I'm local. Okay.

What do you make? Right now I'm $33.22 an hour, and that is all straight pay. And you've got an apartment? Yes. Okay. What's the house worth? I just had it appraised. It appraised for $174,000.

What do you owe on it? $132,000. Okay. All right. So here's what I would do. All right. The problem with a divorce is it turns a marriage into a business transaction. And so this is now a list of debts and a list of assets that must be negotiated through. The law in most states, as you have found out, splits it down the middle.

What she wants doesn't matter. What you want doesn't matter. The law is going to demand that you split it down the middle. If you come to something close to that and pre-agree to it the judge will approve it if you come to something way out of balance the judge is probably not going to approve it and kick out your agreed to settlement because it's too stupid okay so all of that to say you don't need to be buying anything if i were in your shoes i'd sell this truck yeah i looked at you on that yeah you said that like i'm not doing it you need to sell your stupid truck dude 970 at 33 an hour is in the cray cray zone right i want to get rid of it i want to trade

it in they told me i would have to pay out four thousand dollars in equity negative equity that could get off from underneath the truck at that point. Good, do it. Go borrow $4,000 at the credit union and do it. Or sell it private party if you can make $4,000 more and get out of it clean. Yeah, sell it private and just sell it and be done with it. Somebody will give you more than you owe on it. Okay.

What is it? What kind of truck is it? It's a 2023 Chevy Silverado. That's a beast. That's a good truck. Yeah, you ought to be able to get more than you owe on it yeah so yeah the problem is the dealer thinks he's got you coming again right he got you last time he's gonna get you again especially if you're desperate they can smell that off you yeah so i think i think you put it on them look it up on kelly blue book and

sell it for more than you owe on it and then get you a hoopty because you're driving truck during the day anyway. You don't need a big car right now. You've got more problems than you need car, right? Yes, sir. So this is temporary. One year from today, everything is going to be changed. But temporarily, you've gotten rid of the car. Now you're down to only $35,000 worth of credit card debt

and negotiating with your soon to be ex-wife over the 401k in the house yes because the credit card debt's going to be split down the middle you're going to get your 35 she's going to get her 30 you're probably going to give up half your 401k or you can give her a credit towards the house and sell the house right how much is in the 401k uh 35 35 000 so 17 of the equity in the house can go to her instead of giving up your 401k and sell the house and give her her half plus 17 which is probably almost the whole thing but don't let the house stay in the deal do not don't do not let her have the house because you're on the mortgage and then she doesn't pay it you're screwed right force the sale of the house split the proceeds minus your half of the 401k that you're gonna have to give up anyway and that way

your 401k stays intact yeah you walk out of this with a 401k and only 35 000 with a credit card debt and a hoopty now you can talk about going over the road and making some money and clean up the $35,000 right quick. Okay. But you're being managed by emotion because your heart's broken one minute, you're pissed the next minute, and you're broken terrified the next minute. Yes, sir. I understand, man.

I've been there. It's no fun. And so I haven't been through the divorce part of've been through the rest of it though and it is no fun so laying out a detailed factual game plan with math removes some of the emotion from it and that's what i just gave you so go back and listen to this on youtube or on podcast or however so i because i gave you the exact plan of what to do. And what I laid out is negotiable, and if she won't do it, take it before the judge. You'll make her do it.

This is The Ramsey Show. So one of the most popular things we have done in many years is about two months ago we started doing free webinars with jade warshaw rachel cruz and george camel each of them doing free webinars with the every dollar budgeting app showing you how to build out your budget why to build out your budget and uh couples are jumping on for free and watching the webinar. And you can interact with the webinar. You can actually ask questions live. We've got a live chat, a Q&A box. Live chat while we're going.

And a what box? A Q&A box. You can actually get those stuff in. So there's interaction. It's not just George squawking at you or Jade or Rachel squawking at you. And so we're doing these free online budgeting trainings. Go to everydollar.com slash budgeting. And between now and the end of the year, each one of those three will be doing three or four of these.

And so George, Rachel, Jade, you can jump on, choose which one, or just pick the night or day or whatever. The time is convenient for you. It's completely free, very interactive, very helpful on the EveryDollar budgeting app on how to get a plan together. Because if you don't have a plan, you know, it's like Zig Ziglar used to say, if you aim at nothing, you'll hit it every time. And my friend John Maxwell says a budget is people telling their money what to do instead of wondering where it went. EveryDollar.com slash budgeting, Get registered for the free webinars. George, what do they get if they go to yours?

Well, we give away stuff. And I like to bribe people with that. So we'll give away some stuff. We have a killer... Do you really? Or are you just making a joke? No, we really do. We've given away products. Are you kidding? We already give away your services. I know. We give away some books and products and things like that for those that are brave enough to ask

a question in front of, you know, 3,000 virtual people. Because there is a cap. Even though it's digital, they cap the room size. So you got to make sure you sign up. We'll also send you a replay if you miss it. A lot of people say, hey, I can't make that time. Sign up anyways. You can go back and watch the whole thing. There you go. And free stuff for the people that do attend and ask a question and you bribe people for their involvement. You got it. But people do get really interactive. I've heard the stories. Yeah, and we've had great feedback just showing them. We don't have time on the air to show you how it all works, but that webinar is where we do it.

Olivia is in Madison, Wisconsin. Hi, Olivia. Welcome to the Ramsey Show. Hi, Dave. Hi, George. Thank you for taking my call. Sure. What's up?

So my question is about student loans. I currently have around $105,000 in student loans, and it's broken up between a private university foundation loan and then federal loans. And my question is, the federal loan is broken up into smaller loans. Some of them are subsidized, some are unsubsidized. And so my question is, how do I prioritize that? Do I, or do I just pay the private and then the federal? I'll tell you how I did it 10 years ago. I laid them all out from smallest balance to largest balance. That's called the debt snowball method. And I ignore the interest rates.

Just black them out if you have to, because it gets real confusing and overwhelming. And all you do is you focus on that smallest balance first. My guess is it's one of those little federal loans. Yes. What's the smallest balance you got? I believe the smallest one is about $5,000 or $6,000 of one of the federal loans. What do you make? My husband and I make about $115,000. Great.

So how quick are you going to pay that $5,000 off? Oh, we can pay the $5,000 off in probably a couple months. Max, yeah, or more. I was thinking like two paychecks. Yeah. Okay. Quick, quick, quick, quick. All of these federal loans are under one service.

You need to call them. You need to pay the minimums and then call them and get them on the phone, which is a pain in the butt because they're incompetent. then call them and get them on the phone, which is a pain in the butt because they're incompetent. But call them and get them on the phone and demand that the money you transfer right then goes on that loan. Because if you mail it to them or you make it one check for all the minimums and that, they will screw it up and spread it across all of them because they're incompetent.

Okay. Up until now, we've just been paying whatever the, across all, across all of them. Yeah. And nothing happens. Yeah. And you don't see any movement, but I want that little one knocked out because when that little one's knocked out, your payment changes. Okay. And drops down and then more and more and more, the debt snowball rolls. But if you don't knock out the little one, then the debt snowball doesn't roll. Meaning every time you pay off something that has a payment with the debt snowball, that old payment now gives you extra money to throw on the next one. But if the old payment is zero, then it doesn't give you any extra money to throw on the next one.

So you've got to call them in each stinking month. Make sure they're doing the right one, the right one, the right one, when you're on one of the little small federals. Yeah, and you can also see online it may break them out you may be able to apply that to the principal but i'm not sure if these websites if you can be if you can make sure on the website you could try it one month and see if it drops the principal on that singular debt rather than spread across all of them but i gotta tell you they're it's the worst it's the federal government i mean the user experience it's the worst it's the federal government i mean user experience it's the incompetence of the irs the incompetence of the federal government

shows up here like you never believe these people's parents are cousins it's just awful they're just horrible and so uh it's a it's a disaster the whole student loan debacle is a disaster so the faster you get it in the rearview mirror, the better your life is going to be. Good question. Thanks for joining us. Miguel is in San Antonio. Hi, Miguel. Welcome to the Ramsey Show. Hi, David and George. How are you all doing? Better than we deserve. What's up? That's right. So I'm 22 years old.

I have a car payment sitting at $ 10,000 less to be paid off. That's the only debt I have. Originally the car started at 18,000. I had it for two years. And so I've been trying to pay it down much ahead of time just so I can get that completely finished out. And I do have the money to pay it off right now. I could pay it off today, but that is pretty much everything that I have. So you owe how much today? Today it's just under $10,000. It's at $9,000. Okay. And how much money do you have? I have $12,000 right now.

What do you make? I make around $40,000 a year. Good. And what other debt do you have other than this stupid car? I don't have any other debt. Good. Pay it off today, man. It leaves you with, what, $3,000? And no car payment.

Yeah, and that doesn't include my emergency fund. I still have an emergency fund of $1,000. Okay, great. No, no, no, your starter emergency fund. Your starter. So now you've got $3,000, $4,000. Yeah. And now your next goal three grand, four grand. Yeah. And now your next goal is to build that four grand up to three to six months of expenses,

which in your case is probably about a $10,000 emergency fund. Okay. And without a car payment, you'll get there even faster. Yeah. Yeah. So with that yes, that I should pay it off, one more thing I'd like to add on to the story now is that I am engaged. Congratulations. And we have a wedding.

When? When's the wedding? We just signed the contract for two years, almost exactly two years. Two years? That's a long ways away, man. Why two years? My fiancé is still going through graduate school, and I actually work at a university, so she's going to be able to get graduate school paid for with my benefit there.

Not if you're not married. We are planning to get married legally first, so that she can get that benefit. And then we're going to have a wedding in the church because we are Catholic and we do want to get married in the church. Okay. So what does the Catholic church charge you to get married? Well, we wanted,

we've been dating for six years and we wanted to, we've had a lot of different people come through our lives been a part of our story we wanted to have something um so we have a budget of around 20 to 25 000 and and with it being just me right now you're talking about actually getting married when legally 20 legally would be um pretty much the beginning of 2024 in february okay and then then your husband and wife the other things you're just going to have a party exactly okay and so you're going to save up for a $20,000 party i don't give a flip when you have your $20,000 party you can have that whenever you want you're now husband and wife, and you have a paid-for car. Ta-da.

It doesn't change anything, dude. Matter of fact, it actually makes it more sense for you to pay off the thing today. With that combined income? Because the $10,000 is not going for the party two years from now, for sure, while you have a stinking car payment. You're going to save up new money to pay for the party. Or not. This is The ramsey show george camel ramsey personality is my co-host today thank

you for joining us america jacob and taylor are on the debt-free stage in the lobby of ramsey solutions how are you doing well how are you better than i deserve welcome where do you guys live so we're from tulsa oklahoma oh fun welcome Welcome to Nashville. How much debt did you pay? So we paid off about $182,000. Good for you. How long did that take? Too long, but about eight years. Okay, good. And what was your range of income during that time? So we started about $70,000, $70,000, $75,000, and then up to about $125,000. Cool. What do you all do for a living?

So I'm a mechanic at Alexa Steeler in Tulsa. After I graduated college, I ended up in the nonprofit field for about seven and a half years. But now I'm a stay-at-home dog mom. I have a network marketing business, and I'm a part-time barista. Okay. Good for you. Cool. All right.

What kind of debt was the $182,000? So it was student loan for her and then our mortgage i paid off your house look at it weird people i love it so what is this house worth in tulsa it's worth about 280 now way to go guys nice house we're seeing it on youtube here nice picture yeah and it's all yours how old are you two weirdos so i'm 33 i just turned 32 last week you have a paid for house yes do you know anyone that's 33 with a paid for house other than george he was a huge inspiration for us very very big so that means the world well i'm amazed that this trend keeps happening i think we're seeing it more and more people in their 20s and 30s late 20s early 30s coming in here with a paid off house yes definitely yeah we're seeing it more and more. A lot of late 20s, early 30s coming in here with a paid off house.

Yes, definitely. Yeah, it's very exciting. Do you know, I mean, any of your friend group got a paid for house? I don't think so. Not that I know of. Yeah. They'd be talking about it if they did. Yeah, that's true.

Very true. They'd be here too. Where did this idea even come from? How did you guys get started on this Ramsey way? Eight years ago. Yeah. Yeah. Good question.

So right after I graduated college is when we got married and we actually got financial peace university membership as a wedding gift and so i'd love to give a shout out to tracy a family friend who gifted that to us and that changed everything for our family so we took it about three months after we got married and i remember sitting there the second or third week and and I was like, we have to teach this. Like, people need to know about this. And so we went through the class, and we kind of did things a little out of order.

We actually, like, bought our home during the class, but it turns out we did it right. We put 20% down. It's a 15-year loan, all of that. So all of that was right, but then we, you know, ventured on the student loan, and we got that done. It was $ on the student loan and we got that done. It was $38,000 and we got that done in 22 months.

Good. So we knocked that out pretty quickly. And so right after that class was over, we started teaching. So we've coordinated nearly 15 classes now. Oh, good for you. Thank you. We love it. Absolutely love it.

Super coordinators. You got to follow the stuff at that point. The whole class class is looking at you have you led one since paying off the house um we had one this summer so we got to celebrate with them and then we'll have another one in january so that's really kept us accountable you know working with each of the classes and sharing our story and all of that so it's like your personal trainer having a six-pack this is a good sign i'm in the right place yes when i'm in your class way to go yes we're excited so we um in a lot of ways i guess a huge part of our story is um you know we've had emergencies come up just like anybody else um we've replaced our ac unit i had a four-night hospital stay and we also jacob is

working on his bachelor's and so we're cash flowing that and so that's part of the reason why maybe it's taking a little bit longer and what are you studying jacob mechanical engineering oh very good yeah okay how much longer do you have uh about a year oh wow good for you that's gonna be a great breakthrough for you yeah but it's been a been an almost five-year process yeah but it's all part-time yeah exactly so and as newlyweds we've we've done a lot of traveling and we've done a couple of international trips we've been all over the united states but all with cash all without credit cards um and so that certainly has you know

extended our um you know our our deadline i guess but the goal was always to pay off for home seven years early yeah um and that's exactly what we did so it hit the goal yeah we did it's been really exciting really well once you're out of baby steps two and three travel is allowed it just slows down you know it slows down how much you put on baby step six or buying a car is allowed or going to school is allowed it just slows down how much you put on baby step six but you still did all of that and did the house in seven years right yes yeah that's pretty cool yeah we sure did it's been been fun it's been fun yeah living proof this stuff still works yes exactly every day yeah and

in a lot of ways too um jacob and i are both natural givers um and so outside of our mortgage our giving category in our budget was actually one of the largest and so we were kind of practicing baby step seven even kind of before we got there so you know the travel and and the giving part of that you know we give to things that we're passionate about we just couldn't wait to do that amen good for you yeah good for you okay now how does it feel when you walk through the backyard and you don't have any payment feels nice it really does i mean you don't we don't necessarily necessarily worry if that payment was going to be there the first of the month, but it's nice not having to, like even having to worry about that.

Have you all walked back in the backyard and stood and looked at the house and went, that's ours? We have, actually. Yes, yes. Front, back. Walked through the grass barefoot. Pictures. Neighbors are going, what are they doing over there? Exactly, yes. they do a lot of

celebrating over there that's good good for you what do you tell people in your class the secret to getting out of debt is oh man number one on my list is tithing that's been just the forefront of our mind and why do you think that is man when you live life like this you know it's just better than open-handed yes yeah it's just better than you can then you can dream or imagine and so blessings have come from that and certainly you know since we have led 15 financial peace university classes we watch the videos 15 times and so um you know just keeping up with that and having a group to walk through that with has been a really crucial part so yeah the accountability and the open-handedness right yeah what about you jacob i think it's a lot of

it is not living above your means i mean that we've you know not been in any kind of dire straight situation but we've also not like saying oh i need to go into debt for to do this or i need to put this money towards a trip and not pay off what we need to pay off. So I think it's knowing what you need as opposed to just what you want. Yeah, it's intentionality. Right. Yeah. Way to go, guys. I'm so proud of you.

Thank you. Who was cheering you on? Everybody. Everybody. Yeah. A lot of my parents instilled a lot of this into me from the get-go, so they've always been kind of that driving force for me, especially not before we got married. And then since we've been married, they've been, you know, a constant cheerleading team.

So, and then her grandma, and then our friends, you know, who know that we're on this journey, or we're on this journey, you know, they've always been super supportive. And our church, family, our community group, you know, we're surrounded by a huge support team. Wow, that's awesome. That makes a big difference. Yeah. And you guys are in your early 30s.

You got no payments. Give me something you're excited to do in the give, save, spend category with no payments now. Yeah, for sure. Yeah. I mean, making our giving budget a little bit larger now. We're updating our home. So, like, you know,

updating the outdoor space and replacing windows, things like that. Adulting. Yeah, adulting. Exactly. Yeah. Any big trips now? You're like, this is the big debt-free trip? Yeah, actually, next May, we're going to go to Italy. So we actually had a fundraising gala prior to COVID, we won a trip through a silent auction, and COVID kind of ruined that a little bit. Couldn't go. Well, now we are three years on from it.

We're actually going to get to go on it, and even in a better financial place than we were then to go. So we're going to kind of use that as our celebratory. Yeah, good. That's awesome. That's a good trip. Well done, y'all. That's fun. Yes. Well, congratulations. We're very proud of you. we're going to kind of use that as our celebratory yeah oh god that's awesome it's a good trip yeah well done y'all that's fun yes well congratulations we're very proud of you we've got the live and

give bundle for you because you've been doing a lot of both living and giving so uh baby steps millionaire's book you'll be there very soon if you're not already i didn't ask how much you have in retirement how much do you have in retirement we probably have hmm i think we have probably about 100 grand now okay you said the house is worth 300 close to it yeah so you're about 400 of a million almost on your you're on your way to baby steps millionaire right good yeah we got that book for you and that's your next step and next stop and total money makeover book maybe to give to one of your class members and a financial peace university membership if you find somebody that can't go we'll assist you and you're giving uh your generosity plunge that you're taking that's awesome so congratulations you guys thank you all right jacob and taylor tulsa oklahoma 182 000

paid off house and everything count it down let's hear a debt-free scream three two one Three, two, one. We're debt free! Yeah! Woo! Wow. Excellent. Excellent. This is The Ramsey Show. Our scripture of the day, James 1, 2, and 3.

Consider it pure joy, my brothers and sisters, whenever you face trials of many kinds, because you know that the testing of your faith produces perseverance. Franklin Roosevelt said, when you're at the end of your rope, tie a knot and hold on. Amen. Kristen is with us in Madison, Wisconsin. Hi, Kristen. Welcome to the Ramsey Show. Hi, Dave. Hi, George.

Thank you so much for taking my call. Sure. What's up? So my husband and I, we're newly married. We just finished Baby Step 1 this month. We have $45,000 in consumer debt in Baby Step 2. And as we're laying them out smallest to largest, we also have some other pretty big expenses that aren't necessarily debt. And we're just

having a hard time figuring out where they should fall in our snowball. What are they? We have, so we have two vehicles. One of them we own outright. One of them we have a loan for $6,200. And the one that we have a loan on is broken down. The rear differential is completely seized up. It's not drivable. It's going to be about a $2,000 fix. We're hoping to eventually fix it and then sell it to get rid of it. Also, we bought a house at the beginning of this year and two weeks after we closed on our house, the pipes in the bathroom burst. And so that is currently completely gutted.

We don't have a shower sink. At all? Or just in that bathroom? At all. That's the only bathroom we have in our house. So we've been showering at our mother-in-law's house. We've been going over there to do that. For how long?

For about six months, months yeah she's two blocks away which is great she's super close it's not great there's nothing great about this this sucks oh my gosh what a mess and we what do you guys make wouldn't cover it um well that's the other part i lost my job, so currently my husband is working. Y'all need to write a country song. $18 an hour. We showered my mother-in-law's and I lost my job. It was a lot.

Wow. So what's he making? He's making $18 an hour right now. Doing what? He's a machine operator. What were you making? I was making $60, 60k i was a restaurant manager why'd you lose your job um i was working in a restaurant um i loved my job the hours were not

great i was working 60 to 70 hours a week salary so i took a different position in the same it was another restaurant manager position, and I moved over to that. It was going to be 45 hours a week, and that would, salary also, so that would allow me a little more time. But a couple weeks into that, they decided that I was not a good fit, and they let me go. When was that? That was in June. Why haven't you worked since June? Well, that's the other thing. My husband, he had his driver's license suspended, and the car broke down. Why did he have his driver's license suspended?

I can't believe this. It's been suspended for quite a while. He had to wait a couple years. There was a period of time. DUI? For the points, yeah, and then for the points to fall off. And so he's eligible to get it reinstated now, but it's about $800 to pay all the fees and for everything,

and then our insurance would go up. Okay, so your excuse is you're a full-time driver for an $18-an-hour guy. I'm calling bull crap. That was a dumb idea. You make more than he makes. Yeah, and so we were able to share. We were working in the same town. We were driving.

Yeah, back when. But now with him being, yeah. Yeah, but now with you not having a job, you used driving him as an excuse to not get a job. So get another job, girl. Couldn't you drop him and then go work and then pick him up? Or he gets a ride? That's what you did before.

Yeah, so we were, I can, I'm looking at getting, I've been doing, applying for jobs. There were a couple I got to the second interview, restaurant manager positions, and, you know, they ended up really not going anywhere. But now what I'm looking at is. What would be wrong with Mike working 60 hours a week now? What was wrong with it then you were broke yeah um it was mostly the schedule and driving back and forth and not being available to pick

him up because i had to stay late to solve a problem at work and um so you lost sixty thousand dollars because he didn't buy an uber yeah yeah you need you guys need you guys need to both be committed to 60 to 80 hours a week making twenty dollars an hour and you will solve a lot of these problems you have in a heartbeat instead you're living in a house that's not even habitable because you don't even have a toilet or a shower and you haven't worked since june you guys have got to go create some money girl you went from 100k down to 36 and you got 45 in debt so if we get you back to work again your income the fact you guys don't make any money is your problem. And you don't work much. Yeah. He needs a new job making $25 an hour and two extra jobs making $20 an hour. And you need the 60, 70, 80-hour week, 60 to 80,000 to be the restaurant manager job.

And buy him an Uber if you're stuck at work. I mean, can you wait tables in the meantime? Yes. So that's what our next plan was. I can pay $125 to reinstate my CNA. I have to go take the test, but then I would be able to get my CNA license back. And that's. I'm sorry.

What is a CNA license? What is a CNA license? Certified nurse assistant. And what would that pay? $25 an hour. Why would you want to do that when you can make $60? As broke as you are. Why don't you go get you some money?

I've been applying for restaurant manager positions. I had two where I went to the second interview process. I've applied for more than those, but those are the ones where I was interviewed. You guys need to sit down and figure out the way on the short term, not what your dream is, but the thing you can do that is moral and legal that allows you all to work the most hours

and make the most money for about two years, so you can get your shower fixed and get your debt paid off. But you're not going to do it with all these theories and all these limitations, and you're finding all kinds of reasons to not do this stuff. Really, honestly, 50 grand solves your whole life. 50,000 bucks. You could have made that since June. If he was working overtime and you were still working. And so you really have an income. Your perception of work and your perception of income

on a temporary basis needs to change. That is your issue. Because you guys need to build, you know, $18. I mean, in a world where most people are making $25 to $30, okay? And no, you don't go get a CNA to make $25 an hour when you have the income potential of $60,000 to $80,000 at a restaurant. And in the meantime, until you land that, you go get six jobs. And you guys work your tail ends off. I'm fixing my freaking toilet in my shower.

This is crazy, y'all. Go make some money, girl. We want you to win. But you guys spend a lot of your mental, in talking to you, there's a lot of mental gymnastics on how, why we can't create an income. There's a lot of mental gymnastics on how why we can't create an income there's a lot of them i mean you're like a world-class gymnast well i know life has happened to you i know it has but it's got stuck in your head and you got this loop going and i'm trying to force you even if you get mad at me i'm doing it because i love you i'm trying to force you to

rethink your view on work well every question that question that was, well, there's a story behind it. I know. But at some point, we just have to put it down and do it anyways and go to work anyways and do the job we don't want to do anyways. Yeah, exactly. $50,000 changes your whole life. You could go make $50,000 to $100,000 more than you made in the last 12 months in the next 12 months between the two of you changing your view on work that's how that's how fast your life

can turn around and the desperation that you feel every day when you go to your mother-in-law's to take a shower will go away that puts us our the ramsey show in the books we'll be back with you before you know it. In the meantime, remember, there's ultimately one way to financial peace, and that's to walk daily with the Prince of Peace, Christ Jesus. Do you love a good day, Brandt? Want to see the latest Ramsey Show videos going viral? Check out your favorite moments from the Ramsey Show on YouTube. Go watch and subscribe to the Ramsey Show channel on YouTube.