The Ramsey Show - App - Take Control of Your Life! (Hour 3)

Episode Date: December 21, 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. Jade Washall, Ramsey personality, host of, well, host of the author of the new book, Maths Not a Money Problem, a 76-page quick read. Well, it's a major chapter, and you'll be done. Yeah, act fast, and you'll learn a lot about life and about money. She's my co-host today. The phone number here is 888-825-5225 as we draw near to the end of our live broadcasts for the calendar year update on the show for the year we did 242 shows this year

live ones we've talked to over 3200 people on the air doing this show this year. We did 184 debt-free screams totaling $36,059,064.47. That's a ton. So we generally have about $40 million, $35 or $40 million worth of debt-free screams a year on the debt-free stage. And we've done that for many, many years. So if you want to add that up, that's like a lot. I'm guessing we're over a billion in debt-free screams alone, not counting what everybody else did off camera, off mic. But pretty incredible. And what a great year. What a wonderful year. We're celebrating around here.

We yesterday hit number one on Apple Podcasts, so it's a big deal for us. Thank you. And, um, literally thank you. Cause you guys out there did that. I mean, you've been subscribing and sharing and leaving five-star reviews. Thank you for that. That makes a huge difference. And we really do appreciate you.

Uh, and that way, when somebody's sitting around during the holidays, bored and they just open up their phone and go, I'm going to look at a podcast. Well, what's this number one? I wonder what this thing is. Well, they'll just stumble their little butt into here and learn about money and life. Who knew? And that's how that works.

It's a great promotional item, and we appreciate it. Listen, beating those true crime podcasts is a big deal because that is huge. Well, they have a disadvantage because there's a bunch of them. Yeah, that's true. Well, there's only one of us. That's true disadvantage because there's a bunch of them yeah well there's only one of us that's true but there's other money podcasts yeah i know but they're no i don't think there's any in the top 10 yes exactly i mean there's some news stuff and the crime stuff and my buddy

hooberman that's a great podcast i love his and um i mean there's a few others to bump in and out of there and my wife listens and blake Blake Thompson, our producer on the network, do a lot of those true crime. Do you do those? I can't. I need to sleep at night, Dave. That's like my worst nightmares. I can't be listening to that.

I can't. I am such a wuss. I can't go to horror movies. Me either. I won't. I have never gone to horror movies in my life. I get scared. I do too. I have never gone to horror movies in my life. I get scared. I do, too.

And I don't like being scared. And I feel sorry for the people. I'm going to pay for you to scare the pants off of me. Yeah. I don't get it. I'm a wuss. Me, too. I can't do it.

No. Well, Merry Christmas to you, America. 888-825-5225. Lindsay's with us in Waco, Texas. Hi, Lindsay. How are you? I'm good. How are y'all?

Better than we deserve. What's up? So I'm in a little bit of a pickle. My husband wants to buy a brand new side-by-side. So let me give you some context. Yesterday, we closed in our house. We will take home a little over $33, it you sold your house paid for you sold your house okay you got 33 30 000 in your pocket okay yes our current house that we're living in our

new house is paid for cool um we're i convinced him to take 29000 of that and pay off his truck, and now he wants to go buy a brand-new side-by-side. And I'm like, but we have other things I need to pay for. And I keep telling him no, and he keeps saying, we have money now. I'm like, we don't have money. Well, not if he spends it on a side-by-side. You don't have any money. No, I don't have money.

Just throw it the rest of my day. Let me stop a second. You don't have the money to buy a side-by-side, right? No. Okay, so he's talking about... No, I don't have the cash so I don't have to go buy one. This is the same man that yesterday paid off his truck, and now he wants to go back in debt.

So he's not really on the get-out-of-debt plan. He's just kind of going along when you tell him to do something until he doesn't want to do it. Yeah. Yeah, so this is not a money problem. This is a husband problem i agree okay so how old are you two uh we just both turned 37 on sunday and tuesday this week what's he do for a living he is um a heavy equipment mechanic by trade, but he just got into inside sales,

which promoted him, like, upgraded him on his hourly wages. Yeah, but he's a mechanic by trade. What do you do? I'm an occupational therapist assistant. We, I gross. And what other debts do you have now that his truck is paid off? I have, we have a camper that we bought and we do use it we use it like almost i don't care what other debts have you got i know you don't care um i

have a camper and student loans that's it how much is the camper debt uh 60 60 000 yes $60,000. Yes. That wasn't my choice either. Yes, it was. You're a grown-up and you live there and you signed the papers. I didn't sign anything. How is he buying this? When this goes down, what takes place? He goes over to the dealer on his own,

signs for it, and says, Honey, look, I bought us a camper. Is that what happens? What he does is he says i'm going to go buy this i'm like no i don't have to i i i can't i'm paying off other stuff we're paying off other stuff we can't and he goes and he does it he goes and does it anyway he does okay we have a side by side it's paid for i said you you already have a paid for side-by-side. What is it worth? Yes. $22,000 and it's used.

Yeah, okay. And how much student loan debt do you have, hon? $55,000. Okay. So you have $115,000 in debt and a paid for house, and your household income is what, $100,000 in debt, and I paid for a house, and your household income is what, $100,000? It's $100,000, and this year I think it'll be $162,000. Oh, okay.

That's excellent. All right. Well, I mean, you guys need to sit down and not have a side-by-side discussion. Mm-hmm. You need to sit down and have a marriage discussion. Yes, sir. side discussion you need to sit down and have a marriage discussion yes sir and say i love you and i'm tired of being your mother i don't want to be married to a little boy who has to ask his mommy to make decisions i want a man who stands beside me and looks into the future and says how can we prosper as a family and puts his own little selfish desires to the side of the good of the family i need a man

would you please find me one and i'm gonna make a call out here here's just this is what i think i think that you guys started making a little bit of money and you started doing, this is my guess, a little better than some of the way maybe you grew up. And I think he thinks you guys are rich. And I think he thinks this is what people with money do. Am I right? And especially yesterday after we closed on the house, he's like, we don't have a house family anymore.

I said, no, because that's going to go to something else. Yeah, now you make $160,000 and've got a stupid butt $60,000 camper and $55,000 worth of student loan debt to clean up. And then you can go build some wealth and then you can buy a side-by-side if you want to upgrade your side-by-side with cash when you're not in debt anymore. But that's what men do, what grown-up women do, not little boys and little girls who buy toys that they can't afford. And this is the discussion the two of you need to have. Hey, I've got a side-by-side,

nothing wrong with them, but quit buying crap you can't afford. Hey, you guys, health insurance costs are only moving one way, and that way isn't down. And if higher costs aren't enough, the wait times to see your doctor are longer, and it's harder than ever to get anything approved through the bureaucracy. So if you feel like the system is working against you, try a biblically-based alternative to health insurance, Christian Healthcare Ministries. CHM is a health cost-sharing ministry that's helped hundreds of thousands of families like yours take care of over $11 billion in medical bills since 1981.

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slash budget, that's chministries.org slash budgets. That's chministries.org slash budgets. Jade Walshall, Ramsey personality, is my co-host today. Thank you for joining us, America. We appreciate you being here. Charles is with us in Evansville, Indiana. Hi, Charles. Welcome to the Ramsey Show. Merry Christmas.

You too. How are you guys? Better than we deserve, man. What's up? So, I am, um, I have school student debt, $16,500, uh,

$1,000 in medical debt, and a couple bills. I'm 23 years old. I kind of just need like a plan on how to tackle this. All right. So let's talk a little bit about what you have coming in. So you've got this debt. What's your income? So right now I am probably making on average like five, six hundred dollars a week. OK. Doing what? I'm actually on my I'm a drop very technician. I'm very cable.

OK. So I'm on my two weekweek notice actually right now so what happened uh it's me and the manager button heads just every single day i just kind of felt like it was just escalating and so what are you gonna do now for money um i have a few places that i'm going to an interview with one is uh aerotech all right on the maintenance side and uh the other one is for a golf course okay first first rule is from now on we're not going to quit a job until we have another one lined up so let's remember that for future for future use because you got to keep money coming in all right and what I just feel

like I was about to get fired really that's what kind of made me well so you fired yourself and put yourself in a pickle you need a dadgum job jades are still right so what are these jobs you applied for what do they pay I hope they pay a little bit better right are you trying to move up uh yes i i want to um what's the golf course pay the golf course is 45 a year and the uh aerotech one the maintenance position is 24 an hour starting out okay i'll show about 45 okay okay both of those are arranged then. Good. When will you know? When will I know?

If you got them. I go to an interview for both of them this week. Okay. This coming Friday. Good. Okay. Good. Tomorrow.

Okay. Good. Good. Good. All right. In the meantime, I still want you looking into something that you can do. I mean, you can go on your phone and start applying for DoorDash. I want you to have a lot of irons in the fire right now in case something doesn't pan out. It's the holidays. People are about to check out here in the next couple of days and you might not

hear back. Do you know what I'm saying? There's the propensity for a big delay here and I don't want you to lose two or even three weeks waiting for these jobs and not having money coming in. So I want you to start. Keep what you got. But also it's DoorDash. It's Uber. It's looking into some of that. What can you start doing quickly to bring in money?

Because at the end of the day, you can't pay off debt if you don't have any money coming in. All right. You're living at home. True. Yes. And so that's what this is. The first thing is get money coming in. And then you've got two debts.

Did you say $500 of medical debt? $1,000. $1,000. Okay. So that's going to be your very first debt, barring, I'm just assuming, the student loans? Is it one big one for $16? Are you paying payments on the student loans? No.

So that's my biggest problem um back in may i talked to a lady from ed financial at least i thought it was and uh we never set up like a payment plan or anything but uh like this last month whenever it started coming out, uh, they, I guess they just set me up for 120 payments, uh, at like 140, 150 bucks. Okay. So have you been making those payments? No, no, I didn't even know that, uh, they were due. So from May all the way to October, uh, me and my mom, we couldn't get a hold of them because she was trying to do it too. I guess because so many people were calling in from the whole Biden thing. And there's nothing online that you can log into? No, no. And they...

Well, that doesn't sound right. They told me that that lady that I talked to never worked there and that they had no idea who I was talking to. But I received stuff in the mail from them saying I'm like past due $400. And then if I don't make like a payment by the end of December. Okay, so when it's time to, it sounds like she enrolled you in a plan. And you just didn't understand the details because it sounds like you haven't paid and now it's due when you look at that bill where do you have to go to pay it it lets you pay it online right there's somewhere where you're logging in you can see your balance their phone number and paid from there i understand that but i'm talking about you with your own eyeballs being able to

log into your account see the balance see what's due, see the interest rate, right? Because you've got to be able to see that. No, I can't see that, no. I have all that stuff on paper that they sent me. They didn't send you a website link with a collections notice? No. So what happens when you... Ah, you need to go look again. Bull crap.

You need to get the paperwork back out. There there's i'm good if you need bullcrap you need to get the paperwork back out there's a website yeah it's 2023 it's edloans.com or whatever it is it's somewhere on there i need you can't get in front of this if you don't look at it and there's part of me that kind of feels like you're don't want to see it right so do your research i'm confused because i talked to him on the phone okay on the paper it's i'm not confused you haven't paid any money to them and they want some money it's not confusing you guys explain to me the interest though because it doesn't matter the paper doesn't matter you owe sixteen thousand five hundred you need to get online get your account set up and start paying

a thousand two thousand dollars a month right quick as soon as you get some income coming in you're living at home, you don't have any bills, let's get these people paid off by August. Get them paid off by August. But what Dave is saying is you're going to pay this so fast, you're not going to care about the interest. Interest rate doesn't matter. You're going to pay $2,000 a month and be done in eight months.

$2,000 in interest. $2,000 a month and you're done in eight months. Okay. You hear me? $16,000 a month, and you're done in eight months. Okay. You hear me? $16,000, right? It's $16,500. Okay, so you're done in nine months. You're saying it went up to $26,000.

Did I just hear that? Yeah, they're telling me that I'm going to owe $11,000 in interest to time my payment things up. Yeah, by the time you pay 120 payments, but you're not going to pay 120 payments. You're going to pay it off by September. That's right. And so your interest is probably about 7% on it, somewhere like that. But you've got to get online and start having an interaction with this account

because the idiots on the phone you have discovered are absolute their parents are cousins over there man this is the dumbest operation on the planet you have got to get interfaced with the website yes because it's the only possible way you're going to get ahead of this and then make a place where you can make a payment and you can log the payment and you can keep up with the payment and start sending them two thousand dollars a month i'm not worried about you being in collections. You get a job. You're making $40,000 a year. You put $20,000 towards this.

You're done in nine months. That's it. That's it. You're done. But don't screw around with it and sit and wait on your mother to call them and fix this. Get your budding gear and get in there and get this solved. Run headlong into it like your hair is on fire quit waiting on somebody else to fix it because i'm telling you the people you're

dealing with are dumber than a rock and that's the thing you can't they don't care and they don't know like they're not your financial advisor people call into the student loan companies and want them to tell you like the student loan companies have one goal keep you in debt exactly they don't want you to pay it off yeah don't ask them what you should do pay off what i want to do is to get a knife and stick it right straight in the middle of this account and let the air out of this thing right now get after it this is an extreme level of proactivity like it matters because it does a little bit of energy on your voice there man man. Get a little fired up about it. Like these people are freaking stealing your money

and they're getting ready to mess you up for the next decade of your life if you don't quit screwing with them. Go punch them in the face, man. Get after it. Get you some money coming in and attack this thing with a vengeance. This stuff has a high rate of resurrection.

It doesn't go away because you talked to a mystery lady last summer on the phone. You got to get your butt in there and give them money, lots of it quickly so they go away. That's how this works. You got to find a way to do that. Best way to do it is online because you're not having to deal with an idiot human on the other end that doesn't want you out of debt anyway. Every dollar is our world-class budgeting app. It helps you manage money the Ramsey way. It works wherever you are with iOS, Android, or online. You can start every dollar for free and immediately see where you stand with your

money. You get organized, you personalize your budget, you stop overspending, you save money. If you're new to EveryDollar, we'll show you a long-term financial roadmap showing you how your budgeting app is going to take you right through the baby steps. You'll track your net worth, your debt-free date, your retirement date, baby step progress, more. We're going to actively coach you to build wealth to reach your goals download the free app for irs or android or go to every dollar.com and get started you can do it for free or you can do the every dollar plus and connect to your bank or you can go all the way to ramsey plus and do every dollar plus included with ramsey plus with financial peace university the whole thing in a package. And that's a cool thing, too.

Check all of that out at RamseySolutions.com or EveryDollar.com, either way. And for those of you that have Mint or know someone that has Mint, it's a very large and popular budgeting app. It is closing in a week. They're shutting it down yeah and uh we're one of the other largest budgeting apps uh we've always thought ours was better uh now we're sure it is because it's open so so uh inviting uh all you meant people to come over and uh come come out come out of the dark side come to come over to our side to the light that's right that's right the light we we will

help you out we promise you and spread the word guys yeah you could go to every dollar.com slash jade and you can get a deal i think it's 15 off you can get i gotta get me a slash dave i know or i'm gonna give these folks some options because I need them to get into EveryDollar. Or check this out. If you buy the book, Money's Not a Math Problem, the book's $10. But you get three months free of EveryDollar Premium because there's a little QR code in the book. So these are cheap codes, guys. Now we're getting fancy schmancy.

Yes. Yeah. All right. There's ways. There's methods to get this. Yeah. So Slash Jade gets you a few dollars off but ten dollars for the book gets you the book and you can do that at ramsey solutions and boom there

you are you get three months free hey that's a good deal you got options here lots of things lots of things riley is uh not there on that line riley would be on this line in iowa city hi riley what's up hi um how you doing better than i deserve how can i help so um i'm i'm in a bit of a of a pickle right now um so me and my wife uh we worked together for a few years and then got married this year in August. And, um, now we're, uh, I'm in the verge of getting a divorce and I just, you've been married six months. Yeah. What in the world, son? How, how, what's going on? Um, so yeah, we were, we were together for three years and we, we were, I felt like we

were creating something, you know, we had a, our own place. It was a, an apartment. Um, we were working towards getting a house and stuff. And we eventually had our daughter, uh, who was currently a one-year-old. Um, and then we got married and just a few days ago days ago, I found out she cheated on me. And I don't know. I'm just, like, kind of just stuck right now. I'm not 100% sure what to do.

I'm sorry. That's terrible. What a horrible thing. Her and I, like, have talked about it, and she's willing to definitely do like 50 50 with uh with our daughter um i just just don't know how i'm gonna financially cover this um recover from this because i i i've never had the best worth ethic i always had trouble keeping the job. I was always just kind of just battling my mental health and stuff. And I haven't been now that I have my daughter. And I just.

How old are you? I'm 22. Okay. Do you have any debt, hon? No. Okay. I don't have any debt. That's good news.

Okay. So what you have is a broken heart and a little baby involved. And you are going to be forced to stiffen your backbone and start having a manly career going forward and putting your life together, aren't you? Yeah. But you don't feel you don't feel real strong right now but you're gonna have to be anyway i don't i mean luckily

like i have family uh your family's not gonna do it you're gonna do it you're 22 years old you're gonna throw your shoulders back and you're gonna get through this i know it hurts but you're you're this is get through this. I know it hurts, but this is your time. This is your moment. When you decide everything's going to be different for you from today forward, you're going to step up. Because here's the thing. Work ethic is a choice.

You can just decide. Today, I'm going to be a different guy. Today, I'm going to have work ethic. Today, I'm going to show up. Today, I'm going to be a different guy today. I'm going to have work ethic today. I'm going to show up today. I'm going to have energy today. I'm going to have initiative today. I'm going to pour into my career and I'm going to turn and put the, this horrible heartbreak in the rear view mirror.

And I'm going to go make something in my life. You're only 22. You got the rest of your life to go be an incredible man. I feel like that's just one issue I have with myself, is I feel like I'm already out of time. You're 22. I know. I got socks older than that.

You're not out of time. You're not out of time, because if you're out of time, then Dave and I are screwed. Dave might be out of time, but you are not out of time then dave and i are screwed dave might be out of time but you are not out of time no we're good we i'm not out of time i got i got a lot of time left life is good have at it so you too man so listen i listen the problem with something like this is a broken heart steals your confidence yeah and i'm trying to tell you, you need that confidence and work ethic. These are decisions, and it's very difficult during a time of high trauma, high stress to throw your shoulders back and just get after it.

But it's the best medicine for where you are. It's the best healing you'll have. Go lose your work in some 80-hour weeks. Go lose your life in some 80-hour weeks and see how big a pile of money you happen to pile up while you're recovering from this mess and this broken heart, and you move on. Okay.

Man, it's what I would tell my little brother, tell my son if he called me and it was in a situation it's there's not there's not a it yes it hurts but get some of your best have you got some good friends some good man friends i i do okay are they studs or are they wimps? They're studs. Okay. Then tell them to come around you and you need somebody to walk with you right now. You're hurting.

Yeah. I've been there myself where I'm hurting. I need some guys by me. I need my family by me. Tell them it's going to be okay and pushing me and saying, go get it, go get it, go get it. Because otherwise, what human nature is, and I've been there i was 28 years old lost everything i was sitting in the corner sucking my thumb whining about how bad life was and one of my buddies goes you need to get your butt up and get moving that's what he told me he said you got enough lemons here you ought to go make some lemonade and And I did.

I've been working. I've been keeping up with the bills and stuff. It's just because I really like this job. Riley, what do you make? I make about $17 an hour.

Okay. I want you to go make $100,000. Quit limping along. Go get it. Go get it. You're just 22. Go get it. You made a mistake in this relationship.

You chose poorly. She broke your heart. Now go get you a life. Get it. It's the only thing you can do. It's the best possible reaction to this horrible tragedy. This is The Ramsey Show. Our scripture of the day is Psalm 3721.

The wicked borrows and does not pay back, but the righteous is gracious and gives. The great Milton Friedman said, nobody spends somebody else's money as carefully as he spends his own. Wow, that's good. It's also true of the government. Yes, okay. Kevin's in Austin, Texas. Hi, Kevin. How are you?

Dave, Jade. Good to talk to you guys you too merry christmas hey merry christmas absolutely i got a quick question for you um so i'm 27 single i live in austin texas the home prices out here are astronomical i'm in baby step 3b i've saved saved up about $50,000 for that down payment, and I have about $10,000 in an emergency fund. You're in good shape. Well done. I appreciate it. Thank you, sir. My question is that I'm still single, and my good buddy Roy has been saying for a long time, Kevin, ain't no one is going to want to date you when you're driving that old Honda Accord. You need to get you a sports car. What?

Your good buddy Roy is an idiot. Oh, man. I love Roy. I really do. I do, too. But Roy don't know how to pick a woman. If a woman is going to come to you because of the car you drive, you're not going to get much of a woman. That's a word.

I pretty much agree with you. Wisdom in a multitude of councils i'm going around um dude i was on my third date with my wife in a 1974 monte carlo and we went across i was telling her that i had two dollars to my name and i was telling her someday i'm going to be a millionaire and we went across the railroad tracks and the muffler fell off my car we've been married 43 years wow she's been through bankruptcy and been a millionaire twice riding around with that guy with no muffler on his car yep absolutely tell roy not to not give any more women advice oh man i i agree with you on that i do but i i also have a little bit of a bug. I'd love to have something.

Okay, now we're getting to it. Anything to do with women or Roy. He was blaming it on Roy. You have a bug. He eggs it on. Okay, now we got it. I'm a stickler. I'm a stickler, and I don't spend the money on myself like that.

Okay. I don't know. So what are you trying to buy? What you got the fever for? What you got the fever for, Kevin? Well, I'd like to get me a 2016 Camaro. Oh, sweet. I might have some miles on it, you know, something fun.

Sweet. What's it cost? I was thinking about pulling about $30,000 out of the down payment and taking that to go get me a toy is what I'm doing. Well, what do you earn annually? $120,000. All right. And you're single.

Yeah, we've established that. you're looking for a woman yeah okay that's right um all right so listen if you make 120 000 a year you have 50 000 in cash and you want to delay as a single guy i don't want to buy a house right now we're going to delay buying a house and we're buying a car that is used and is way less than 50% of my take-home pay, that fits the Ramsey guidelines. Yeah, I'm locking in my vote. I like that. Now, you don't think it would be because I earmarked that money.

I put it in for a down payment. Well, that's why you earmark it so it makes you stop and think. You are trading two years of buying a house for the Camaro. Okay. That's what this earmarking does it makes you make that decision and you put both of those on the scale two years on one side of the scale camaro on the other side of the scale but what you're describing is not an out of control purchase unless you're buying it to get a girl yeah yeah no i just which we've established as a bad plan but the car is a sweet car there's nothing wrong with it it's not a it's a good car i love the car

but the uh uh you know and you know it's not going to make you happy it's a reasonable vehicle purchase in your situation um it is going to delay your what you're saying is i'm trading two years of my purchase on my home goal for this purchase of this car what are you driving now uh it's a 2014 honda there's nothing wrong with it mechanically what's it worth mom car about 10 grand okay so you only really need 20 grand yeah yeah that'd be that'd be true. Oh, that's good. Look, I'm excited for you. Enjoy the car. Okay. All right, I appreciate you guys.

I got to pray about it. Wisdom in a multitude counts as y'all be warned. But don't buy it to get chicks. You'll get the wrong chick. You're all right. You'll get one you don't want. Shallow women are not handy. Shallow men are not handy.

And people who pick dates out based on cars are the definition of shallow look it's not gonna hurt him though let's be honest dave shallow co-hosts i'm just saying oh my gosh it's not hurting his case it doesn't necessarily help his case but it's definitely not hurting his case. That's all I'm saying. Women, weigh in. Please. Weigh in in those comments. It's not hurting him. Please do not pick a date based on the car they drive.

The car doesn't make the man. Please. The man makes the car. Please. God help us all. I'm just saying. I know. I heard what you're saying. If he rolls up and, you know know his honda accord wasn't bad

i don't know why he thought that that was jesus car jesus said they're all in one accord all right you just can't argue with this if he wanted to buy a tesla you wouldn't have been on board though if he wanted to buy a tesla but a tesla is not a chick car not even close. A Camaro might be. I mean. Not a 2016. Oh, yes, it is. Is it? Oh, it's a boss car. Yeah. Well, then I stand my claim. He is not hurting his case.

He's not hurting his case. But don't let that be your motivation. Right. It's a bad thing. It's a really bad idea. If people are impressed by what you drive instead of who you are, you have the wrong crowd you're running with, especially the wrong crowd you're running with especially the wrong woman you're dating so just you got to get paid listen when you reach the point you're

driving a car because you want the car that's when you're making proper car purchases when you're trying to impress somebody to stop light you'll never meet that's when you do stupid butt stuff with cars you think everybody else is looking at you oh Oh, come on. Nobody gives a crap. I know, right? Nobody's looking. Really? Nobody. And if she's looking, I don't want her. I'm just saying.

That's how that works. And that's official dad jokes right there, all wrapped into one. Official boomer insights into dating. Boomer insights. Boomer dating insights. That's what that is. We're going to have a new segment on the show james next year boomer insights on dating i'm sure i'm sure we could get a sponsor like depends

okay dave all right uh jasmine in denver help us how can we help you jasmine and denver um are you there yes hi hi how can we help right quick before we run out of time we can hear you so i was i was in a car accident uh on april and it was really horrible we got a new car are you okay with that uh yes i'm fine now thank goodness um we have a we got a new car. Are you okay? Yes, I'm fine now. Thank goodness. Good. We got a settlement. We got $38,000 from that. And me and my husband, we had some credit card bills, but the first thing I did, paid it all off.

Good. No credit card debt anymore. Okay. We used to owe $12,000, and now we're all gone. And we have a little bit of money left. I still owe my car $23,000. And after that, I still owe like some furniture, about like 5,000.

I want to pay that off as well. I've been listening to you guys only for like about a month or so. So like, I just like, just by listening on the radio, I was like, all right, so maybe this is like the stuff that I need to be done, but I don't know what to do next.

And then also like, I want to make more income. So I've been working at a restaurant as a waitress. I've been moved to the company. The company's been nice to me, but they said that they're thinking about promoting me to be a manager. Jasmine, what's your question? And the talk has been like,

should I move to a new restaurant, a higher restaurant that pays me more, or should I stick with this one, hoping that I get promoted to be a manager and make more money? What's wrong with going to the one that's going to pay you more? What's the downside? They might also promote you to a manager if they're willing to pay you more. So that was easy. Yeah, that was easy. And then let's list those debts from smallest to largest and if you have any money from the settlement, put a thousand dollars aside, keep it. Get after those debts? Yeah. And you sound like you started that process, but let's finish it up now. any money from the settlement put a thousand dollars aside keep it get after the um get after

those debt yeah and you sound like you started that process but let's finish it up now and then make all you can make and throw it all at that uh at those debts and work them off in that direction well merry christmas america i feel like we really got after some people today. That wasn't the Christmas spirit I was expecting. Well, the Grinch is here. What can I say? Oh, man. Wow.

January will be better. That's fun. Kevin's buddy, Roy. Bless his heart. Roy's been hanging out with Uncle Boo Boo. That's true. That puts this hour of the Ramsey Show in the books. We'll be back with you.

Before you know it, in the meantime, remember remember there's ultimately only one way to financial peace and that's to walk daily with the Prince of peace, Christ Jesus.