The Ramsey Show - App - The Best Calls of the Year So Far (Part 4 - Hour 3)

Episode Date: November 23, 2023

🎵 Live from the headquarters of Ramsey Solutions, broadcasting from the pods of Moving and Storage Studios, it's The Ramsey Show, where we help people build wealth, do work that they love, and create actual, amazing relationships. Thank you for joining us. Open phones at 888-825-5225. That's 888-825-5225. Dr. John Deloney, Ramsey Personality, host of the book, own host of the book, author of the book, the number one best-selling book,

Own Your Past, Change Your Future, and the brand new book, Building a Non-Anxious Life, which is on presale now. All of those things and host of the Dr. John Deloney Show on the Ramsey Network. He's my co-host today. Thanks for hanging out. James is with us. James is in Orlando. Hi, James.

How are you? Hey, how you doing? Thank you so much for having me on. Sure, man. What's up? So I'm having trouble getting to pay off my debt. I've tried many different things, budget apps, different things like that, and I've just come to the realization over the past few days, actually,

that I'm just not, I lack the discipline really needed to stop living paycheck to paycheck. And the saddest part is I have a really good salary. What's your really good salary? I make $170,000. Oh, that's impressive. How much debt do you have, sir? Collectively, I have $27,000, $28,000. What kind of woke me up on this is I ignored my debt for years.

Um, and then what am I, both of my credit cards were canceled and I settled one of them and that was fine. And then the other one, I honestly completely forgot about until a few days ago, when I received a, I was served because they're suing me for the debt. And that kind of woke me up where I said, I need to stop pushing things. I think I kept pushing things forever because I said, well, you know, I have a good amount of money coming in, you know, my next paycheck and I'll deal with it then. But how long you've been making 170 James? Just for about six months. What were you making before that? I was out of work for about a year during COVID, which really hit me hard.

And so during that, I was doing Uber and making, you know, about $20,000 a year. Before that, I was making $90,000. What do you do? I work in politics. Okay. Consulting. Okay. So is that cyclical?

Does that go away in another nine months? No. This will be my salary at least for the next few years. I don't anticipate a changing or changing jobs. Some things to keep in mind, I have to have two places to live because my job commutes a lot between June Orlando and New York City. Some of my colleagues that I work with do hotels, but most people just end up having two places of residence.

Do you currently have two places of residence? Yes. And how much have two places of residence? Yes. And how much is the New York apartment? The New York apartment is $2,000. And how much is the Orlando apartment? $1,200, but my girlfriend and I split it. Okay. Sorry, the $1,200 is what i paid in my split

okay so this is forty thousand dollars so so basically you've been spending somewhere all of your money for the last six months which is eighty five thousand dollars it's other than some rent is unaccounted for. Yeah. So where are you spending your money, James? So it's a combination of me living beyond my means. Yeah. And also it's a combination of that, but also there are some key different things that I just don't have that I

think. So for instance, I don't have a car. I do need to get a car. And instead of because, you know, my credit is in the bank, and I've been worried about what I'm going to get. James, where has $80,000 gone in six months? You're starting to sound like Congress. It's me.

I've been renting cars a lot. Instead of buying, my girlfriend's out of work, so I've been covering a lot of her expenses, and then I'm living beyond my own. So that whole thing on splitting the rent was bull crap. Yeah. She does that, but beyond that. But beyond that, I've been covering a lot of things.

So I definitely need to get my stuff together. The other thing to keep connected to is security. Here's what I do in these situations. And I have to set a new set of things instead of going, I'm, I'm just not good at this. I've not got any discipline. I,

and you keep naming off all these things that you are, that you actually aren't. It's just what you do. Um, that's not your actual identity. Uh, so what I decided a year or a few years ago, I had the blessing of going completely bankrupt and losing everything,

so I didn't have a choice. I was in an extreme situation. The only way I could eat was to behave. The only way my children had a warm home was to behave. I didn't have a choice. And so what I've done with folks like you over the years is I want you to put yourself mentally in a space as if you don't have a choice. Let's just pretend this, okay?

Let's pretend that you go to the doctor this afternoon and he says, you need $27,000 by Christmas or you're gonna die all of the sudden James you would be a person of discipline all of a sudden your budget would be perfect all of a sudden your stupid decisions would go away because you would have one goal I want to live I want $27,000 by December. And suddenly all of this bull crap that's running around in your head would become laser focused and you'd be going $27,000. James got one goal.

Stay alive. Get $27,000. No other goal matters. No other crap matters. My colleagues have two apartments. Who gives a crap what your colleagues do? You are a broke guy making $170. You've got to change some crap.

Really. You've got to get up in your face, man. Get up in your own grill and go, that's enough. I've had it. This is crazy. I'm ashamed. I'm disgusted with how this looks and how this feels because that's what you've been telling me. And I'm so disgusted that I'm going to change it.

And if you get sick and tired of being sick and tired, James, that's when you change your life. Yeah. Because, you know, stupid people don't make $170,000 a year. They don't. They don't even get hired. Okay? You couldn't even get hired. Okay? You couldn't even have gotten the job if you were stupid. So you're not stupid.

But, buddy, you've been doing some stupid stuff, hadn't you? Yeah. So stop it. For real. Just pretend you need $27,000 by Christmas or you're going to die. And all of a sudden, I'm not renting any cars. I'm going to go get me a $4,000 car and put it down here in the driveway. Or I'm going to Uber somewhere. And I'm going to Uber. I'm not renting any cars i'm gonna go get me a four thousand dollar car and put it down here in the driveway i'm gonna uber somewhere and i'm gonna uber i'm not renting any more i'm gonna quit we are not going out to eat and hey uh chick you need to get a job or you

need to move out because i'm getting rid of this two thousand four hundred dollar apartment for two broke people if you don't and oh by the way i'm getting out of this new york lease for sure and we're gonna rent a cheap stinking hotel over across the river and haul your little butt over the Staten Island ferry over there and get to work. And, you know, you don't have to spend that kind of money to work in New York. You got to change some stuff, man. If I'm you, that's what I'm doing. But you got to turn this disgust into behavior change, this shame into behavior change. This is The Ramsey Show.

I'm Dave Ramsey. Your host, Rachel Cruz, is my co-host today. Open phones at 888-825-5225. If you like what you hear, help us out. We need your help. Subscribe to the show. Click the subscribe button. Click the follow button. Share the show. Clip a link out.

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Jacob is in Fort Worth, Texas. Hi, Jacob. How are you? Doing well, sir. How are you doing? Better than I deserve. What's up? Hey, I was just calling because obviously I enjoy listening to you and respect your opinion. Thank you. My fiance and I, we're looking to move

from Fort Worth back to our home state of Minnesota. Cool. And so I was looking to get your opinion about kind of what to look for when buying our first home and looking at like a fixer-upper versus a house that's already in like prestige shape, maybe in a growing market. Our idea is that we're not going to be here forever or in that home. So we're looking to grow equity in the smartest way possible. Fiancee.

Did you say fiancee? Yes, sir. Yeah, my fiancee and I. When are you getting married? Well, we keep pushing it off. We've been engaged for about two years, but we're originally from Minnesota. We moved down to Kansas City for two years, and then we moved to Fort Worth kind of on a whim.

So we're hoping to get married at the end of next year but our goal is to buy a home first don't do not buy a home with someone you're not married to you're going to get yourself into legal relational spiritual and financial trouble don't do it Don't do it. Don't do it. I talked to a gal yesterday that called me. She had been living with a guy for eight years. They had two cars in their names, four credit cards in their names, and a house in their names, and he left. You know what she is? Screwed. She can't sell any of it because he won't sign the titles to any of it.

He won't pay the payments on any of it. So she's being forced into bankruptcy because of this right here. Don't do this. Go to see the preacher and get your butt married before you buy a house. Okay?'re going to get a mess dude you're going to get in a serious mess don't do that i've been doing this 30 years all i've heard is pain around this subject no one ever gets blessed by what you're trying to do here don't do it please don't do it now once you get up there and you're married because you're're going to go get married this weekend. And you know it's her.

Y'all have been together two years. So I'm like, just get the license. You guys are married. You're acting like you're married. You're basically married. Painter, get off the ladder. You got this, Jacob. I believe in you.

I debated about that. Part of it was going to get our license, like you just said. And then the other part of me was thinking about it was her her special day so i kind of wanted everything to happen at once yeah but our goal is to this is our biggest investment and we're not looking to you know a lot of people take out loans and they have these fancy weddings that cost so much money but that's not really what we're looking for um for the long game but it is still her special day yeah it is her special day so don't screw it up with buying a house before the special day and then y'all have no special days definitely okay so you recommend um you know like just going to get a simple license or i don't care i mean y'all figure

it out figure out what what the point is that what her special day looks like but i would not put your name on a deed with someone that you are not married to you're creating what your attorney would tell you is called a general partnership with no general partnership documents and so i and i've seen all kinds of horrible things happen to people in these situations some of them are just mean some of them are sad but it just it's a mess i have one guy his fiancee got killed now and there was no will. She got killed in a car wreck and now he owns a house with her mother. Talk about awkward. Yeah.

Talk about awkward. That's a mess. So don't do that now. Okay. Now, so y'all figure out how, whether you know how you're going to get married, but before you're married, before you buy a house together, get married. Now let's pretend you're married and you buy a house together get married now let's pretend you're married and then we'll answer your question if you're brand new married i would not buy a

fixer-upper fixer-uppers are hard work it's tough it's distracting i would want you to focus on each other and be in love instead of hanging curtains and tiling and peeling old old wallpaper because let me say this it it's set it's romanticized on hgtv it it feels like oh my gosh we're going to fix this house up and get what we want all of it and it does end up being usually more expensive the time frame is longer you're dealing with contractors you're trying to i mean you it's a second job is basically what that is and so for your first year marriage you live in dust perpetual dust it's a second job is basically what that is. And so for your first year of marriage, you don't need that. You live in dust, perpetual dust. It's dust all the time.

Some people do it well, but it sounds a whole lot better than the actual reality of it. There's nothing good about it. I've renovated one house while I lived in it. It's a disaster. I'm sitting in a lawn chair on plywood floors because everything's ripped up watching the super bowl one time i told sharon i said you might be a redneck if you're sitting in your own house inside in a lawn chair on a plywood floor watching the super bowl that's what renovating a house is it ain't chip and joanna i'm just telling you nobody's hair is done the makeup's not right it's all bad

okay there's no reality in reality tv hgtv has ruined your perception of this thing so no i would not do a fixer-upper not my first house if you're gonna do a fixer-upper don't live in it while you're doing it live somewhere else fix it up over there then move in it if you want to do if you want to get some equity from some work being done it can be a little little bit of light work like we've got to do we got to tear all the landscaping out we got to run a coat of paint through the thing that's okay but this idea we're going to knock down walls and and you know the decorator is going to prance through and tell you no no and the kitchens no you're killing me no don't

now your expectation though may have to lower that depending on what you guys can afford. You know, that won't be this top of the line either, though. Right. So, like, there's a medium there of like. Yeah. But that's a good point. I forget that these reality shows that aren't reality, they have nothing to do with with they're scripted as they can be um and the hilarious thing is people in the industry call them unscripted tv but they're about they're more

scripted than a dadgum sitcom and then and they've romanticized it make because you know between commercial breaks the whole thing gets done and it no it's eight months later and you're still sucking drywall dust while you're trying to sleep. You know, it's just, it's nasty. I grew up in the construction business. I've done probably 1,500 rehabs in my life. I used to do it for a living. You don't want to do that.

It's not what TV portrays it to be. You're right about that. I had not thought about that part of the problem. Sounds dreamy and romantic. Yeah. It's not. It's not fun yeah um i i know it's shocking to you people but those people on the bachelor could have got a date

without the tv show it's shocking i know but um yeah it's it's if they were really looking to not be a bachelor he probably could have worked it out but um so without any anyway so yeah that's funny rachel's favorite show is that your favorite show still uh it's moved on to the real housewives we can talk we can talk of reality tv another day dave you will not like my reality tv no i don't love his reality tv and the kardashians new season's out. You know, I love it. I think it's all fantastic. You are so culturally relevant. I think that I am. That I am. You kept mentioning Tiger King even like six months ago.

I was like, oh, Dave, no one watches that anymore. No, I mean, that was a COVID thing. That was a thing during the Fauci pandemic. But hey, Love is Blind talks a lot. We watch Tiger King. Yeah, but Love is Blind talks a lot about money. There's a lot of conversations around it. None of it makes sense.

All right, there we go. You never know. Good luck, Jacob. I hope it works out for you, my brother. Sorry you called in and got a speech, but I don't want bad things for you. I love you and I want you to win. You see how I feel growing up? Yeah, that's what I got.

That's what Rachel got at the dinner table. In a living room. Still in counseling for it. This is The Ramsey Show. Jade Warshall, Ramsey Personality, is my co-host today. Sam's in Austin, Texas. Hi, Sam. How are you?

I'm doing pretty good. How y'all doing? Better than I deserve. How can we help? Well, I'm calling because over the last couple of years we bought a house, things seemed to be going okay. And then we ended up getting kind of taxed on the actual bill to the house. And that just kind of started a slippery slope where we started having to pay more than what our mortgage originally was. And we ended up relying on a lot of credit cards and they got really bad and right now we're in i'm especially in collections for a lot of cards and my wife has

a few she was sued i've got a case coming as well and I just don't really know where to turn or how to turn this around. It almost seems kind of hopeless. Sorry, Sam. How much credit card debt is there total? Probably around $15,000 to $16,000. And how much income do you guys bring in every month? Every month, about $6,000. And how much income do you guys bring in every month? Every month, about $6,000. How much is your house payment?

$2,100. Okay. How much are your car payments? We only have one car payment and it's $250. And as far as the mortgage, when we were being taxed on the improvement after about a year of having a lower payment, it was about $2,700. And now we're down to, I finally paid off the overage on the escrow. And now the $2,100 is about normal. Okay. All right.

And what do you guys do for a living? I'm in technical support, and she works in a dental office. Okay. All right. And what do you guys do for a living? I'm in technical support, and she works in a dental office. Okay. Your mortgage is high. Your car payment, all car payments are bad. This one's not super bad. The credit cards are, the way you were talking, I thought you were going to tell me you had $100,000 in credit card debt. Me too. The weight that you're emotionally carrying listening to your voice um i'm pleasantly surprised it's only 15 me too yeah i think the mortgage being a third of your take home is really what's and it was higher than that for a while but even that where where else are you guys just

disorganized and you were living in panic and money's just flying out of there and you had no idea where it was going? That's a pretty good way to put it, yeah. Yeah, okay. Because, I mean, your numbers aren't as bad as the – they don't indicate you should even be behind. Yeah, and I agree with you there because when I sit there and kind of add up numbers and look at it that way, I look at it and I'm like, okay, this is bad.

How many kids have you got? We have five total. And how old are they? They range from teenagers down to seven. Okay. How many are in daycare? None. They're all in school.

Okay. Well, our oldest, she works. She just graduated high school. Yeah. And the main thing is is that you know i think what okay how many credit cards are you behind on uh probably i would say it's a pretty good number probably about eight to ten so there's a whole bunch of little ones yeah yeah and you're behind on almost all of them. I've got four myself that I started a payment plan with them.

Okay, so you said two have gone to collections? No, they're pretty much all in collections, but I have four that I've made a payment arrangement with, but two of them have filed lawsuits. Yeah, you said your wife got sued on one of them, right? Filed lawsuits. Yeah. Oh, that's cute.

On how much? Hers is a little bit over $3,000. Yeah. The same for mine. Oh, man. Okay. Let me just tell you, you live in Texas. Am I got that right?

Is that the truth? That's correct. Okay. Well, their lawsuit's useless. They can't garner she wages or take a lien on a house in Texas. Right, right. So it's just hanging, hanging their lawsuits hanging out there in the ether it's just dangling out there in the nothingness it has there's nothing they can do about it because with hers we hired a lawyer and they're working on the case yeah it was it was the fear thing at the time i know that's the thing sam

what you like looking at the numbers that you've given us, maybe there's more debt out there that you haven't mentioned, but I think that you're way more, what you're feeling is way more emotional than it is financial. It's like, oh my gosh, I've got 12 credit cards. They're suing us. You know, the kids are, it's like all these things going on. And if you just stop for a moment,

if we really look at the numbers and look at the math, there's no reason that we can't list these from smallest to largest. Because like Dave said, most of them are probably lower balances because there's tons of them and they're only equaling up to 15 to 16,000. So my guess is that if you can just kind of

pull all of this out of space, get it down on paper, like I said, list them smallest to largest, figure out what it looks like for you guys to get an extra one to $2,000 in every month. And you're knocking them out like dominoes. You're going to feel so much better. How many cars do you own? We have two that we use for getting the kids around. Our oldest son has his own that he uses for school. And you bought it for him? He's a stepson and his dad gave it to him as a gift.

Okay. Yeah, it's just a little truck. Okay. I'm just trying to find out what's going on here. All right. So what did this lawyer tell you he could do that the law has not already done for you in Texas? Yeah, they basically said that, no, no, they just basically said that they could either get the case dispensed or work out some type of lower settlement. Essentially, that's all they just basically said that they could either get the case dismissed or work out some type of lower settlement essentially that's all they offered okay well the case is not going to get dismissed you owe the money you lost right you owe the money you didn't pay it you lose ding

okay now then can we settle it for less well sure it's three thousand bucks they can't collect it in texas so of course you can settle it for less. And you can do that with all of these, by the way, and next time don't use a lawyer. What did you pay the lawyer? A $750. Okay. I sure hope he gets $750 off the balance, at least earns his keep. I don't know how he took your money in good conscience, but all right. Now, the main thing I worry about is, like, because I've heard that, you know, I understand they can't charge my wages, but they could take it from my bank account.

Not unless you give them access to your bank account. Well, they can take a lien on it in Texas. That's true. Well, if you've got a bunch of money in your bank account, I guess we'd pay the bills, huh? Yeah, I mean, I really don't at the time, but at the current moment. But, you know, working on this here and building up, you know. No, I'm just saying, if there's $10,000 in your bank account, you wouldn't have called me. Yeah. So you don't have any money in your bank account.

So it's not a big fear. Yeah. Okay. Okay. So anyway, what we've got to do is do is a get organized and get a very detailed plan and b let's prioritize first thing is house is paid our food then house then lights and water then car are you behind on the car no no no okay good stay current on the car go to work and we're going to get you on an every dollar budget with jade and put you in

one of her webinars when's your next webinar oh gosh it's not till november i don't know that we have all right we'll get you we'll get you plugged into an every dollar webinar so you can learn how to do a budget with your wife and uh we'll put you into financial peace university because basically what we're going to do is we're going to take care of food shelter clothing transportation and utilities first you've got the money to do that And then we're going to force rank these things and work them through and lump sum settlement all of them, each smallest to largest. I'm not paying payments on them anymore. I'm going to lump sum settlement.

You're behind. The lawsuit has got no teeth where you live. Okay. So just argue with them and say, I'm broke. I owe you $3,000. You say it's $5,000 after you added a bunch of fees. Okay. So just argue with them and say, I'm broke. I owe you $3,000. You say it's $5,000 after you added a bunch of fees. I have $2,000.

If you'll take that and give me that in writing, that that's a settlement in full. Remember that phrase, and no electronic access to your checking account. As Jade said, they will never know where your checking account is. But a settlement in full, in writing, and then I'll send i'll send you two thousand dollars oh you won't do that did you know there's nine other credit cards that will one of them's going to take the money i got you on the phone last chance going once going twice i'm going to the next card okay second card here's what we're going to do i just tongue up on the other guy because he's an idiot let's see if you are all right and right. And we're going to settle this. Going once and going twice. Yes, sir.

And you're going to work your way through this. And then you cycle back through after you finally get one to take the money. Then you pile up a little more money and you start the whole process again. Remember last time I called you when you didn't take the deal? You sure you don't want to take it? Because I'm here with another deal and I'm getting ready to go on to the second one. Going once, going twice. And this is how you deal with these people because

credit card collectors are scum you can tell they're lying if their mouth is moving so beat the snot out of them and get this cleaned up that's what you do this is the ramsey shadow 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 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 seven months yeah she's two blocks away which is great she's super close it's not great pretty big 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 recently so currently my husband is working y'all need to write a country song dollars an hour we showered my mother-in-law's and i lost my job it's there's a lot wow so what's he making he's making 18 dollars an hour right now doing what uh he's a machine operator. What were you making? I was making 60K.

I was a restaurant manager. Why'd you lose your job? I was working in a restaurant. 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. 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. Um, and that would salary also. So that would allow me a little more time. Um, but, uh, a couple of weeks into that, they decided that I was not a good fit. Um, 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, um, for quite a while. He had to wait a couple of years. Um, there was a period of time for the points. Yeah. And then for the points to fall off. And so he can, he's eligible to get it reinstated now, but it is, 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 bullcrap that was a dumb idea you make more than he makes yeah and so we were able to share um 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 um i can i'm looking at getting i've been doing um applying for jobs there were a couple i got to the second interview um restaurant manager positions and um you know they ended up really not going anywhere but now what i'm looking at is um what would be wrong

with make working 60 hours a week now? What was wrong with it then? You were broke. Yeah. 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. So you lost $60,000 because he didn't buy an Uber. Yeah.

You guys need to both be committed to 60 to 80 hours a week, making $20 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 not your problem your income the fact you guys don't make any money is your problem and you don't work much

yeah you both need he needs a new job 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 a week 60 to 80 000 to be the restaurant manager job and buy him an uber if you're stuck. 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 a $25 an hour job.

I'm sorry, 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, $50,000 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. And I mean, you know, in a world where most people are making 25 to 30. Okay. Uh, and no, you don't go get a CNA to make $25 an hour when you have the income potential of 60 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 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 question that was well there's a story but i know but we at some point we just have to put it down and do it anyways and go to work anyways do the job we don't want to do anyways yeah exactly yeah you got your fifty thousand dollars 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 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 this hour of 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.