The Ramsey Show - App - Triage Your Debt First, Then You Can Start Investing (Hour 3)

Episode Date: June 20, 2024

Live from the headquarters of Ramsey Solutions, it's The Ramsey Show, where we help people build wealth, do work that they love, and create actual amazing relationships. Ken Coleman, Ramsey personality, number one best selling author, is my co-host today. Thanks for joining us, America. We're glad you're here. John is on the line in San Francisco. Hey, John, how are you? Hey, Dave, how are you doing? Better than I deserve. What's up? Hey, I'm seeking advice on how I can get my name

out of a house loan. I purchased a home in 2008. I was valued at $200,000 under my credit with my girlfriend at the time. Her in-laws offered $40,000 to help us with the down payment with the promise that we'd pay them back when we refi in a year. The girlfriend at the time and I broke up months later. I wanted nothing to do with the house.

I left. We went to a UPS notary place to get my name removed out of the title, and the in-laws' name got added on the title. The loan, though, stayed in my name with the promise of getting my name out of the loan after a year or so. I've tried countless times to initiate a refi for the house, but it never works out with the in-laws. Either they didn't get approved or the credit at the time wasn't good or they did not turn in paperwork, et cetera. 16 years later, the house loan is still under my name.

The title is under their name. There's now renters in the house managed by a rental company. It has a equity of about $400,000 at this time. I recently re-engaged with them with a new mortgage loan advisor in the picture two weeks ago to re-attempt another refi to get my name out of the loan. And it's taking them two weeks to just send back documents to get the process going. So I feel like it might end up to be another unsuccessful attempt. So my question is, what can I do in this situation? My ultimate goal is to get my name out of the loan this summer. I want to move on with my life with my new family.

And I also want to ask if I have any rights to the equity of the house whenever it gets sold. You want the equity out of the house. Is there a place for that? Really, my ultimate goal is just to get my name out of the loan and out of my credit. That's my number one priority. Okay. All right.

So you're a case study on what not to do. Don't buy a home with your girlfriend. Super don't buy a home with your girlfriend with her parents putting down the down payment and super duper don't do all that and then later deed the home over to them without getting your name off the mortgage that should have been done simultaneously or you should have kept your name on the mortgage you shouldn't have done any of this to start with it's a disaster it's why we tell people never buy a house with someone they're not married to you even refer to them as the in-laws and yet you were never married it's just a girl it's your ex's parents is your ex-girlfriend's parents is

all it is they were never in-laws because there was no law involved in this no never were married so okay uh what do you make? Uh, I make about 150 to 200 K a year. Okay. All right. Are they, um, have you sat down in person with them or has everything just been by phone or email? Um, I was in person with them or has everything just been by phone or email um i was in person with them i want to say three weeks ago for a graduation uh you know i had a daughter with a girlfriend

oh there's that so this is the grandparents of your daughter right yep and the plot thickens yes it does okay um and she just graduated from high school yes wow okay um well i i there's a lot of stuff you can do here and uh none of it's going to be pleasant um if you want to get rid of the mortgage okay so one is obviously what you've been doing and if they go get a new mortgage and get it out of your name then easy that that one's going to be pleasant and if you can get the if you can persuade them assist them even write a check for them to be able to get the loan i would do that because of the fact that they are the grandparents of your daughter

um right uh before i heard that i was going to go more scorched earth but um because these people have been dragged button along for a long time uh right now if they won't do that your options are uh aggressive that's your only options that are left i assume there's nothing in this whole stupid deal written down is there no okay no partnership agreement of any kind no transactions or anything else okay all we've got's uh what you said and what they said he said she said so um you know uh uh what i would do next if you want to get this aggressive, is sit down with them in person and say, I really have to get this loan out of my name.

I need to move on with my life. My daughter has graduated from high school. She's moving into adulthood. You guys need to make this come to an end for me. If you don't, if you can't, we need to figure out something else. So one option, folks, is for you to sell the house so that you can pay off the loan and get out of my name that's an option and you can do that voluntarily folks if you don't do that uh if you want me to buy you out of the house i will give you a few thousand dollars i don't know if you got any money at all john have you got any money yeah how much know if you got any money at all. John, have you got any money?

Yeah. How much money have you got? I want to say we have at least saved up $50,000 for an emergency. So if you bought this house for $50,000 back from them and they deeded it to you, that would be a deal because it's got a lot of equity right right so i'll buy i'll give you guys 50k and you deed it over to me if you don't want to sell it but they'd be smarter to sell it and put the money in their pocket right right okay those are two options folks if you don't want to do that then i'm going to ask a judge to rule on this situation because you're taking advantage of me and I have to stop it.

And so the judge is going to require you sell the house and that's going to involve me suing you. And I really don't want to do that. It's going to be very expensive. It's going to be long and drawn out. You're going to hate it. I'm going to hate it. Everybody's going to end up mad, but the lawyer who's going to cash long and drawn out you're going to hate it i'm going to hate it everybody's going to end up mad but the lawyer who's going to cash our checks and um so i don't want to go that way but if you guys are just going to sit on your thumbs i'm going to have to you're going to force

me to do that now that's pretty aggressive and you can file a lawsuit over this, in air quotes, partnership dispute. And you'd have to talk to an attorney about the basis for that. But basically, you're forcing them to liquidate the asset to make good on their promise in this partnership that's gone awry. And that's the legal basis for what I'm talking about. But you're going to end up suing these people if they won't voluntarily go get a new mortgage or sell the property or deed it over to you. And any of those proposals are fairly aggressive, but it's time somebody get off their thumbs here. And that somebody is those people, the grandparents of your daughter. This is the Ramsey Show.

Ken Coleman, Ramsey Personality, is my co-host today. Thank you for joining us, America. Open phones at 888-825-5225. We're so glad you're here. We appreciate you hanging out with us. The best way to make the most of your money is to make your money behave. Tell it what to do instead of wondering where it went. That is called a budget.

People who plan things are the ones that execute the plan, and they're the ones that win at anything. No one accidentally gets to Florida from Tennessee. It requires a plan. You don't just wake up and go, oh, I wonder how that happened. No, I mean, you got in the car, you got on a plane, you had a plan, and you executed the plan. Same thing's true with your money and building wealth. It never happens by accident. No one ever became a millionaire and went, I wonder how that happened. No, they do it on purpose, and that's by giving everyDollar a name, and that's why we call the world's best budgeting app EveryDollar. It'll help you to budget out every single paycheck.

It'll help you work the baby steps, and you can download it for free in the App Store or Google Play, and you can go to EveryDollar.com and download it for your desktop for free, and you can upgrade it to the premium to hook to your bank and get a bunch of other coaching and things involved and help you a whole bunch here. So check it all out, EveryDollar in the App Store. Kelly is with us. Kelly's in Raleigh, North Carolina. Hi, Kelly. How are you?

Hi. Good. Me and my husband are huge Dave Ramsey fans, so we're really excited to be on the call. Well, we're honored to have you. So me and my husband have been doing really good at budgeting. We've been following Dave Ramsey plan, and we actually finally had some wiggle room in our budget to put extra debt payments. We've sold some assets and stuff, but then he lost his job last week. So now we're back to the point where we're trying really hard not to use credit cards. And we were looking at...

He didn't get any severance? No. It was a small company, and it didn't end on good terms. So no, unfortunately, no. We were just kind of high and dry. Just dumped. Yes. And what do you make?

Well, I'm self-employed. I started a bookkeeping business, and I've been doing it full-time for about six months now. But we're making about $10,000 a month gross. What are you netting? I'm paying myself about $45,000. No, I didn't ask that. I asked what you're netting. You make $10,000. No, I didn't ask that. I asked what you're netting. You make $10,000.

You run a small business. You have a net profit per month. What are you netting on $10,000? What are your margins? You're a bookkeeper. About $5,000. It's a pretty good profit. Yeah.

So why can't you live on $5,000 a month? Well, because we've made stupid mistakes and we lived above our means. We know that. And so we have $100,000 in debt. Not counting your house. Right, not counting our house. On what? Which is about $88,000 is our house.

No, I said not counting your house. Right. You have $100,000 not counting your house or counting the house? Not counting the house. Okay. What's the $100,000? What kind of debt? Credit cards, consolidation loan from medical debt, things like that. How much is cars? Actually, we have two older vehicles, so they're paid in full. Okay. So it's all credit cards and debt consolidation from other credit cards?

Yes. And medical stuff, too. $100,000? Yes. Okay. All right. That's pretty close to about $5,000 a month in payments. Yeah. okay.

And what was he making? About $4,000 a month. Doing what? He was a generator service technician. He works on generators? Yes. Okay. All right.

Like commercial, obviously. Yeah, like whole house generators yeah so we're talking mechanical work yes okay service repair maintenance how long ago do you get laid off a week ago a week toward the end of last week, yeah. Oh, not even a week, okay. Ken? Yeah, I got to jump in and say he needs to be getting busy right now doing as much freelance mechanical work until he can get another mechanical job. I can tell you in his particular talent field, I know he's specific in that generator field, but with his ability, he should be getting as much work as he can until he lands another gig, at least completely replenishing what he was making. But this is not a, oh, we're trying to avoid credit cards.

No, no. He's going out and he's working like crazy, fixing stuff everywhere. I mean, your area of where you're at in North Carolina, fantastic job economy. If you're anywhere near Raleigh, North Carolina, we're talking about a booming economy, a lot of people, a lot of cars breaking down, a lot of machines. He is getting after it. Two jobs, three jobs. If these are part-time jobs, like I said, just like filling in at a garage where, hey,

we need a couple of extra hands around there. It's intensity, intensity. He has such a transferable skill right now to where per hour he should be making really good money and quickly. Yeah. Bottom line is someone who knows how to turn a wrench, regardless of what they're turning it on. Someone who knows how to analyze something like a generator breaking down and diagnose that can work on a lot of different things. That's what Ken means by transferable skill. And what we want to encourage him to do and you to encourage him to do is to get over the shock and the pain of having been fired and dumped out on the street with nothing get over

that anger as fast as possible because the best revenge is success right well and so he was helping me part of our gazelle intensity was uh he was helping me bookkeeping at night, and because I'm very small, we were considering letting him try to help me grow the business because I could use an extra hand. Does he know how to do bookkeeping? He can help me with some of the more basic things, yes. Yeah, but that's extra. He's been working with me.

Sure, at night that's okay, but you're not going to be able to pay him what he could make out in the marketplace, are you? No, not immediately, no. But it's kind of one of those hard situations where I can't really grow the business. You don't have the ability to invest in your business right now. You have to have the money now. He has to go get a work. That's right.

Him working in your business right now is an investment that you don't have the money to make he has he has to go create an income right now like like by next week i want him working somewhere doing something and uh to keep the to keep the wolf away from your door so that you guys get where he needs to bring enough you guys can eat and pay your payments and then we can start talking about you know know, building up the business, working at night, working weekends. Maybe he shifts and goes a whole other direction with his career even.

I don't know. Is there something else he's talked about doing that's fun? Yeah, I mean, he's pretty talented. He's pretty well-versed at a lot of different trades. And you're well aware right now that the trades are just a boom. He's pretty well versed at a lot of different trades. You're well aware right now that the trades are just a boom. It's the best thing to be in because you can just get hired in 20 seconds. That's why Ken and I are sitting here encouraging you to do that. Kelly, just to show you, I just Googled mechanic jobs in Raleigh, North Carolina,

and I'm looking at three right here. One just says maintenance technician. I haven't clicked on it. It's $25 to $35 an hour, full-time, no degree required, includes health insurance. I mean, you understand this. You understand it. Okay, so this is just about let's move on.

He can make $40 an hour. Absolutely. Well, we're a little over an hour away from raleigh that just was the closest city yeah um yeah but drive your butt over that direction and get a job hello yeah i get it right i get it but there's lots of things in your area where people need someone today's point that can turn a wrench yeah and your husband knows how to do that he can he's talented he can do a lot of stuff and then continue to grow your business and if he wants to quit and join that business someday when you can guys can get large enough to justify that but you called me in a

crisis the first thing we have to do is put the crisis to bed yeah with the triage and then we can come back later and talk about investing and growing your business that's the first thing don't get the two confused. And your husband's very marketable. Once he gets past being pissed off or being fired, he needs to go do this today. Move today. Urgency.

This is The Ramsey Show. Ken Coleman, Ramsey Personality, is my co-host today in the lobby of Ramsey Solutions on the debt-free stage. Mark and Stacey are with us. Hey guys, how are you? Hi. Hey, we're doing good. Welcome, welcome. Where do y'all live? We are outside of Annapolis, Maryland in Odenton. Oh, fun. Welcome to Nashville. And how much debt have you guys paid off? Just under $93,000. All right. And how long did this take? Do you remember? 19 months, 10 days. Love it. Okay. And your range of income during that 19 months?

We started off at $178,000 and last year we ended over $200,000. Good for you. Well done. What do you guys make? I mean, what do you do? I'm a licensed esthetician. And I'm an IT professional. Awesome. Very cool. Good job, guys. What kind of debt was the 93? Okay, well, I have a list because it's a lot. Okay. We owed the IRS money. We had three credit cards, two cars, four cell phones, two personal loans, Peloton, and a 401k loan. And a partridge in a pear tree. Yes. You guys were normal.

Pretty much. Yeah, we borrowed on everything in sight. That's pretty much normal. Wow. So what happened 19 months ago? What was the wake-up call, and how'd you get tied into Ramsey? So I discovered the podcast and started listening to that, downloaded every dollar. We have two teenagers, so realizing that we had no money for college was kind of a driver.

Yeah, scared the crap out of you. And just sick and tired of not having enough money. Sick and tired of being sick and tired. So you start listening to this crazy podcast, and you come home, home and mark said what she's definitely the brains of this operation i mean she listened to you guys endlessly i heard your voice constantly in our house and so i know we were fingernailed on a chalkboard yeah she is endless but it's great but he paused his 401k oh wow that was huge for him wow he did not want to do that yeah yeah and so you went along for the ride i did at times uh begrudgingly but you did it that's good good for you guys well done thank you thank you very fun so an endless

podcast absorption which gives you a lot of instruction, a lot of little nuanced ideas on things to work on. And what did you guys do from that point? Really just work the plan. I'm a purist, but we worked with what we had. So what do you tell people the key to paying off 93 in 19 months is? So the things that I wrote down that were important to us were um well actually hold on just making the decision i mean it's that simple um i had heard your podcast before but it didn't stick um but once we decided um following your steps as prescribed

exactly don't question it and then um combining accounts we were married 19 or well 20 years this year and we just did that wow so was that kind of weird does it feel real awkward yes it was a little bit but totally worth it yeah and then six months later you go why don't we do this earlier yes pretty much yeah yeah That's why most people experience it. I mean, you kind of had your own deal for 20 years, and then you slam dunk together. Right. It's like there's a culture, there's a shock runs through your system, you know?

But then once you get a new rhythm, it's like, wow, we should have been doing this all along. Right. And being flexible, because things always change. Yeah, they do. Even in 19 months, they do. Yes, yes. That's very cool very true very true way to go y'all thank you you've been married 19 years have you ever been debt-free

during the 19 years no no we've never not had a car payment wow yep always a car and i have said i will always have a car payment sure that was permission to get a new car if you were going to pay one off. Mm-hmm. As soon as we get paid off, we can't live without a payment. We got to go get another one. That's it. Yeah. That's the way the mindset of the American works now.

But not you. You're weird now. No. Officially. Yeah. Mm-hmm. The best kind of weird. Yep.

Yep. Well, when normal's broke, you don't want to be normal. You know, it's that simple. Way to go, y'all. Yeah. I have two questions. The first one's a quick one. Do you still have want to be normal. You know, it's that simple. Way to go, y'all. Yeah, I have two questions. The first one's a quick one. Do you still have the Peloton, and do you use it?

We do still have it, and I use it every day. All right, all right. That's huge. That's big. And this is for you, Mark, and you're a hero in this, too. So this is actually, I think, would be fun. I'm not in any way calling you out. But as the reluctant spouse, I mean, we've seen that on you and you're hearing the story, you know, uh, what would you say to other spouses who right

now their spouse is eating up the podcast? They're on YouTube. They're listening on radio. They're just talking about it all the time. Very similar situation that you were in, uh, because I think you have a unique perspective here. What is the key when you're the reluctant spouse and you got one that's on fire? You just have to be patient with it. Suffer along through the process. That's good. I mean, like I said, she's the brains of the operation.

So I followed her lead and I started paying attention to the things you guys were saying and just cooperating with her and trusting the process, of course. Even when you don't agree necessarily, you're not 100% bought in? Is that what you're saying? Correct, yes. One of the big things was eating and we didn't get to eat out a lot. Right. And we just had to have specific things that we ate right but i see a little trauma there mark you're like there's

some food items that you don't ever want to eat again there's some good news is the food scene in nashville is incredible that's right so you're gonna be able to find you some great while you're here now that you're dead free way to go that's true that's so good you guys thank you i completely agree with that and um i don't want to put words in your mouth but the way we're those of you listening only you're not seeing what we're seeing with mark but it looks to me like as i'm watching you you said she's the brains of operation two times but i kind of think you went along with this just because it meant a lot to her and you love her that is true yep it looks like not necessarily had anything to do with you liking it it's just this she is really fired up about this and i love her so i'm going with it yep yeah that's cool thank you there's nothing wrong with that that's a good thing you're

a good man that's a good man yeah well done well done you guys are incredible thank you heroes you changed your whole life. You changed your whole family tree permanently. I hope it's permanently. Yes. Well done. Never going back, man. Never going back.

Now that we're free, now that we're combined, it's all on. Game on. Game on. Game on. Very cool. And now we can actually send these kids to college and pay for it. Yes. That's right.

Yeah, because we've got a couple hundred thousand bucks a year and no payments. Yep. Yes. Ding, ding, ding ding ding ding proper college choice good choice on uh what we're going to study to make it worth it and both of you got those fields both of you got great fields that you're in so uh very cool very cool so much all right bring up the kiddos introduce them let's hear their names and ages so this is sadie she's headed off to a community college in maryland all right and she's 17 and this is chase and he is 16 and he is a junior in high school all right way to go you

guys very cool i love it i love it excellent job all right from annapolis or just outside annapolis maryland mark and stacy chase and sadie,000 paid off in 19 months, making 178 to 200. Count it down. Let's hear a debt-free scream. Three, two, one. We're debt-free. Yeah. Yeah.

Buy that man a steak. yeah right and a couple appetizers i love it congratulations you guys that's powerful yeah that is powerful it is interesting uh the dynamic that goes on when one spouse gets fired up and what you've got to work through and that was fun to watch and mark's a really good sport but a good guy obviously as well and so uh because there wasn't a stop and it's stacy once she got on it you can tell she's a dog on a bone man she you know so uh that's a lot of fun and they did it they did it they did it ninety three thousand dollars paid off in 19 months and i think about that that's a lot some of you sitting out there going i've got student loans and i'm stuck and i'm a victim and shut up roll up your sleeves

suck it up buttercup look at what those two just did yeah they proved it they're heroes man their kids are going to college now and you know why stacy looked up and said i don't have the money that scares me i feel like a bad mom i don't i'm not doing this yeah you know they happen to life instead of everything happening to them they just decided we're going to happen to this problem and that is just inspiring yeah pretty incredible way to go heroes way to go this is the ramsey show Our scripture of the day, Psalms 101, Blessed is the one who does not walk in step with the wicked, or stand in the way that sinners take, or sit in the company of mockers.

Sit in the company of mockers. Al Bernstein says, Success is often the result of taking a misstep in the right direction. I'll go with that. I can resemble that. Folks, selling a house the Ramsey way makes home buying and home selling a blessing instead of a curse. The Ramsey Trusted Program is the only way to find an agent you can trust that we trust to keep you on track with what we teach here at Ramsey and get the best offer on your house or find the right house for you.

We send some of the top agents. We send you some of the top agents in your area, and we have vetted them, and that's the only reason we trust them. Many of them we've worked with for decades. We interview them. We decide which one you want to work with, and then Ramsey, you decide which one you want to work with, and then, Ramsey, you decide which one you want to work with. And Ramsey Trusted Agents have years of experience. They know how to get a house sold. Check them out. Find a Ramsey Trusted Real Estate Agent for free at RamseySolutions.com slash agent.

Kyle is in Memphis. Hey, Kyle, welcome to the Ramsey Show. Hey, Dave. Thanks for taking my call. I appreciate it. Sure, man. What's up? Hey, so I'm currently trying to decide if I should quit my day job and pursue what is currently my side hustle. I have a degree in landscape design. I really enjoy doing it.

And what I do is I build custom outdoor living spaces, patios, pergolas, big kitchens, and stuff like that. That's your side hustle? That's what I did full-time. My wife is in dental school. I'm sorry, what's your side hustle? Doing that. Oh, okay. What's your job, your day job?

I'm just a project manager with a commercial construction company. Okay. And how much are you making on your side hustle well right now um i've grossed 100 000 for the year right now and i've netted 48 49 what do you make in your day job uh 60 so we're really close right no you already made 48 yeah i know but he's making 60 i'm saying he's close to no no no he made 48 in six months in six months i'm sorry annualizes 100 all right i'm making more at your side job than you are at your day job that's right so yeah interesting why would you stay oh well the kicker is we're only in Memphis for another 18 months. My wife is finishing up dental school in just under two years, and we don't know where we're going to go,

but neither her family or my family is from Memphis, and we're definitely getting out of there. During the 18 months that you're there, you have the ability to make a hundred thousand dollars a year working on your own right yeah or you could work for the other people and make 60 yeah or you could do both well i that that's kind of the kicker so i approached my current boss and wanted to make sure i was in the clear because we're a commercial construction company. What I'm doing is all residential, but it is still construction. So I wanted to make sure I was up

front and that there was no compete issues. Um, he gave me the green light. Um, I guess he wasn't aware of the scale of the projects I was doing and how efficient I could be at doing them, you know, doing, you know, do a whole project like that on the weekend. Um, so he came back after about two months and said that he had changed his mind and he would only allow me to do it. Um, if I brought him my lead database and all the customers that I had run demographics on to advertise to let him pick through them, run the leads he wanted to sell them and give me the rest. And I mean, he doesn't sell them in that market you're saying exactly so now he wants to get into the market um no i think it's more of a pride thing no i'm sorry he wants to sell to your leads that's correct but they don't currently have a product line in you in that segment you said

that's correct so now because you're successful he wants to open up in your segment that's correct yeah he's he's taking authority doesn't have it's not his call yeah bye-bye yeah yeah and can i just jump on what we said earlier, Kyle? Because Dave's right. You're making more money in the 18 months that your wife is finishing school, but you don't have to leave right away. And this is a transition plan for you. You're making more, which means you're saving more. And now if you and your wife figure out where we want to go in the great United States, wherever you want to go, well, guess what? You're still working for yourself. You take some time and figure and figure out all right uh i've got experience i know how to build this business where is the best place to go i just think that it puts you in the absolute best position short term and long term to go ahead and cut ties and work for yourself is there something going on at at or at the current place that i'm missing because you painted this guy up to be a complete opportunist crook. He's, he's been with the company for 40 years. Everybody knows he's kind of a problem, but they can't really get rid of him because he's

been there so long. They don't, he just, he's a problem all the way around and so um so um i don't know if you want to stay i would i would uh jump above the chain of command i'd go above his head and say look here's what he told me and now here's what he's trying to do and so i'm going to quit if you guys don't if you guys enforce what he told me, and now here's what he's trying to do. And so I'm going to quit if you guys enforce what he wants me to do. I'm going to put his head on the block. Okay. Well, I mean, to be honest, I was kind of hoping you guys would say that.

You have nothing to lose. What are they going to do? Say, no, we're going to keep him. He's been here 40 years. He's a problem. You're screwed, fired. And then you go nothing to lose. What are they going to do? Say, no, we're going to keep him. He's been here 40 years. He's a problem. You're screwed, fired. And then you go do your thing. You don't lose anything in this conversation.

You can kind of swagger in there with the take this job and shove it attitude. That's right. I mean, you don't have to be a smart ankle, but I would go to his boss and say, listen, so-and-so told me this on this date. You don't happen to have that in an email or anything, do you? No, I did it all in person. Okay. No, that's fine.

That's fine. I would have followed up with an email for CYA, but especially if you know the guy's a potential problem. But anyway, too late now. It doesn't matter because you're going to keep doing the side gig. The only question is whether you're going to continue to work at this place. If you're taking our advice, that's what we're advising you to do so i if you want to just walk out that's fine and go do it that's fine if you want to keep both potentially but have an adversarial relationship with uh said goober then uh you

probably jump over goober's head and you sit down with his boss and go, look, he told me this, now he's telling me this, and I'm not going to do that. So now you guys have to decide, are you going to allow me to do this, or are you going to force me to quit? Yeah, a quick follow-up on this, Kyle. What do you think that his boss is going to say to you? You got a gut? Yeah. Real quick, tell me what you think.

What's your gut telling you? Is he going to fire you or is he going to work it out? I think he'd tell me it needs to quit or you're getting the boot. Yeah. Okay. So I've got a quick, Dave, I want to run this by Dave real quick, Kyle. I want Dave to take on my second thought. I think I call this dude's bluff.

I think he's a bully. I think he's a bully who's been somewhat successful. We see this all the time in small business, and they're scared to deal with him because they perceive value in him, and I think he's a bully. And if that's true, I wouldn't go above his head because of that very reason. I'd just look at him and go hey man all due respect i don't i don't have to give you any leads at all and that's not what you told me i'm just going to keep doing

my thing and just just be respectful like dave said not be a jerk about it but call his bluff see if he's got you think he'll fire you uh he might but my kind of like you said and what my whole logic was. So what? Not that big a deal. Is he a bully? Am I on to something or am I wrong? I don't mind being wrong. Cowardly?

Yeah, I think it's more of a cowardly thing. He's not a people person. He's very detail-oriented. Are you taking time away from your current job to do your sad hustle no sir i strictly do it evenings weekends you're not you're not cheating them in any way no sir i'm with ken i believe i'm going with ken on this call his bluff or just walk out one of the two either one's fine with me that's right either one's fine with me there's no there's nothing fun about this whole thing.

I'm probably just leaving. I don't want to deal with that crap. But life's too short kind of category. That puts this hour in the books. We'll be back with you before you know it. In the meantime, remember, there's ultimately only one way to financial peace, and that's to walk daily with the Prince of Peace, Christ Jesus. you