The Ramsey Show - App - We're a Married Couple Living With a Roommate and There Is DRAMA (Hour 1)

Episode Date: October 27, 2021

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Thank you. Live from the headquarters of Ramsey Solutions, broadcasting from the Dollar Car Rental Studio, this is the Ramsey Show. And it's where America hangs out to have a conversation about life. I'm Ken Coleman, joined by my colleague, fellow Ramsey personality, George Camel. The phone number to jump in to talk to George and I today is 888-825-5225, 888-825-5225. Let's just call the elephant out in the studio, shall we, George? What's that?

If you were hoping Dave was on today, Dave Ramsey, he's a legend. He's the icon. He's not. But you and I are. It's a good call out. And so George is here. He's a money expert. He's living, but you and I are. It's a good call. And so George is here. He's a money expert. He's living the plan, about ready to complete baby step seven.

And George is fantastic. He'll answer your money questions today. And then I am focused on helping you get a bigger shovel. How about that? That's a good one. How about enjoying lifting the shovel? So what we're talking about here is doing work that you really enjoy, but also making really good money.

How about impact and income? Metaphorical shovel. Money and meaning. That's right. But, George, I want to talk about something because I've got this new book coming out, as you know, November 9th, From Paycheck to Purpose. And there's a lot of people, even on my Facebook page for The Ken Coleman Show, they're going, well, I can't buy the book this month.

It's not in the budget. Wow. What say you to people who are going, Ken, I would love to have the dream job. I would love to make more money, but I'm gazelle intense right now. You know my seven stages. You know the baby steps.

It can be done. Yes. I feel like I lived the stages before I knew them, and you were one of my mentors along the way in my career journey. So I can help these people get a raise. Oh, yeah. Get out of the baby steps faster.

So we'll talk about some work questions. You've got a toxic boss, maybe doing some stuff like that. You're going, hey, I've got a couple options, Ken. Which way should I go? I have no clue what I want to do, Ken. I'm interested. We'll take some of those questions as well as the money questions. And by the way, George has lived it.

George and I have been friends for, we were talking about this the other day, a decade. Coming up on a decade. Yeah. And by the way, the very same path, except different lanes, money and then purpose and peak performance on my side. But we have very similar stories and we love being together. Always fun to be with you, George. You ready to do this?

I'm so ready, Ken. All right, let's do it. Let's get to the phones. The phone number is 888-825-5225. That's 888-825-5225. Dylan joins us in Lancaster, Pennsylvania. Dylan, how can we help? Hey, I had a question about renting and whether I should wait or what. Okay, give us a few more details. So I'm looking. Apartments around here are all around $1,400 to $1,500,

some a little more, some a little less. And I found a place that is really nice that I would really like to go to for $1,400. And I worked out a budget, and I'd be able to swing it with utilities and everything else as far as car insurance and all that. But I'd only be, like, I'd only be making, like,

$300, $400 at the end of each month. So that's, you're saying, the wiggle room, you'd have $300 to $400 left? Yeah, that's just the wiggle room. What's your take-home pay every month? Around $3,500 to $3,600. Okay. I mean, that's a big chunk of your income going to rent.

Yeah. Are you single? Single getting married. Okay. So I want to know, your wife-to-be, is she employed? And if she is, what is she going to be bringing to this household income? She's in school right now. She went set free.

Good. And she'll be coming out probably for dairy management for around probably $40,000 a year. Okay. All right. Yeah, I mean, I like the idea of her income being a part of this equation because that makes this thing make a lot more sense. But right now, if I'm you, you're getting a roommate until you are hitched and she moves in. George, George, call on me. I'm raising my hand. Ken, Ken, right here.

Thank you very much. Dylan, I did this. I'm raising my hand. Ken, Ken, right here. Thank you very much. Dylan, I did this. I did this exact thing. When Stacey and I got married nearly 24 years ago, I was working in Richmond, Virginia, and she was in Charlotte, North Carolina, getting ready for the wedding. I was in my first job working for the governor, and I did this same deal. I got an apartment for us for six months because I started my job in January. It was almost six months to the day when we would be getting married.

And so I had a buddy who was in Richmond in that political circle, and I got him to sign on for six months. And he covered half of the rent for six months, moved out while we were on the honeymoon. So this can be done, George. Thank you for calling on me, TJ. And that was a great advice. So, Dylan, are you opposed to getting a roommate? Oh, I'm not opposed to it. But here is where I was thinking, would you guys think it's smart?

I'm going to be getting a raise in January. So it would be about $5,000 a month is what my income would go up to. That's a big raise. Would it be smart? Would I have to jump on, like, so to get this apartment, I'd have to jump on it soon. Do you think it'd be smart to kind of put the cart before the horse

and do it even though I don't have the raise yet? Or should I wait until I get the raise then be looking at something? I mean, I'm telling you, you can rent that apartment right now, but you've got to get a roommate day one. Okay. And how far away is this wedding?

Don't count on... Oh, it's in June. In June. You know what? Okay. I mean, if you're bringing home $5,000 a month, you're going to be making what? $80K? $85K?

Yeah, it'd be around there. I didn't see the math, but yeah. Doing math is important here because here's what I want. I want this parameter to fit into your life where your rent is no more than about a quarter of your take-home pay. So that's the math I'm doing to go, all right, $1,400 a month, you've got to make a little over five grand to fit within that parameter. So if that's the case, yes, you can rent on your own because you have a lot of margin left over in your budget to continue on with the baby steps. Do you have debt right now? I do. It's about $9,000. $9,000. What kind of debt is that?

It's just a car loan. I took out a car loan before I started listening to you guys. Okay. Yeah, if I'm you, I'm cleaning up that car debt before I get married so you guys can get off on the right foot and have all of the income stay with you. And is she taking on any debt into the marriage? No. No. Good. Yeah, I got to tell you, Dylan, George is right.

I think you get the roommate, man, because that allows you to pay off the debt, keep your expenses really, really low, and tackle that debt. I really like that. Yeah, even with this raise coming, I still love the idea of you getting a roommate, cleaning up this debt until you guys get married, she moves in. That's what I would do if I was in your shoes, Dylan. Alrighty. Well, thank you very much.

There you go. Absolutely, man. Now, the other side of this is a relational component to this financial decision, okay? I'm not going to throw my buddy's name out there and throw him under the bus, because you never know who's listening to the Second Lawyer's Radio Show. You never know. What if he's listening? He might be. But you've got to put some boundaries out there, George, because this is the place where your wife-to-be is going to join.

You know what I mean? She's probably going to come, you know what I mean? She's probably going to come over. You've got to tell him, man, clean up, man. I've been there. Nothing. Institute the, if it's over a week old in the fridge, it's gone. You've got to put some boundaries in place because these dudes, man, they need boundaries.

They need instructions. It gets pretty gross. I'm the clean roommate. I'm the roommate you want. You would be a dream. It's too late for you, Ken. We're both married. You would have been great at that point because you wouldn't even know George

was in the house. He's so clean and tidy. And boy, he's got all kinds of phobias, though, so there's that. You come with a lot of phobias, but you are clean. Make a fair point. Yeah, that is good stuff. Alright, hey, don't go anywhere because we're not. Your call's coming up next. This is the Ramsey Show.

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I'm Ken Coleman. I'm joined by my Ramsey personality colleague, George Campbell. We're taking your calls this hour, 888-825-5225, 888-825-5225. Of course, we'll take your money calls. George is loaded and ready to go for that. And then I'm going to help you with the work side of this component. Life is too short to just be living for the weekend. Amen.

And I'm helping men and women every day on the Ken Coleman Show, part of the Ramsey Network, discover and do what they were created to do because money and meaning are possible. Income and impact are there for you. And your Mondays should not be miserable. You have a unique contribution that the world needs, and we want to help you make that. So we'll take your work calls. You're struggling with toxic leader, toxic culture, not sure what you want to do. You want to level up, make some more money.

We'll take those calls as well. The phone number to jump in, 888-825-5225 now george we you know you hang out with dave ramsey long enough you and i've worked with dave now almost a decade i've known him for almost two decades the guy's an icon yeah he's a hall of famer uh and he's in nashville which means he knows a bunch of other icons and big shots and so you get to meet some really cool people when you hang out with Dave. And I've tried to make a living just hanging out with Dave. Proximity principle right there. Yes, my previous number one bestselling book.

Thank you, George, for the plug. But one of the guys that I've gotten to meet and hang a little bit with from time to time is country music superstar John Rich. Of course, if you're a country music fan, he needs no introduction. If you're not a country music fan, he's one half of the big-time country music duo, Big and Rich. And the guy is, honestly, as big of a deal as he is in country music, I think he's a bigger deal as an entrepreneur.

I mean, the guy's brilliant, big-time business mind, and he's also a patriot. And he's got a new show. Not a new show, but it is a show that he launched on Fox Nation. You Fox Nation fans out there are familiar with The Pursuit with John Rich. And now it's coming prime time on Fox Business News. And you can see it Wednesdays at 9 p.m. And our very own Dave Ramsey is featured on tonight's show. So we thought, let's get John on the line and talk some more about this.

He joins us now. John Rich, welcome to the Ramsey Show. Hey, fellas. Thanks for having me on. I'm excited about the world getting to see me and Dave have a really cool conversation tonight. Yeah, I remember when you guys were filming that. I ran into you in the hallways. And what I love about this show is it's just good conversation.

Describe the type of conversation you're having with Dave and other guests on the show. Well, the basis of the show is something that I was saying on big and rich concert stages all over America. And I was getting these huge responses when I would say it. And I thought, you know what? They're responding like that because it's true. And so I decided, you know what? I'm going to make a whole show based on this concept, and it's very simple. America does not guarantee us happiness.

It guarantees us the right to pursue happiness. And in that one sentence, guys, you can sum up a lot of the back and forth fighting that's going on right now. Some of our folks think they should have everything they want when they want it. And if they don't get it, then they have the right to go out and pitch a fit. And most people are saying, no, I'm just glad I have the right to pursue my dream, to go after the American dream, to exhaust my potential, the right to fail and try again and fail and try again, and maybe someday I'll succeed at it. It's given to us in the Declaration of Independence as an inalienable right, meaning this is not a right given to us by man, given to us by government. This is a right given to us by God himself. He created us to be limitless in his creation, and anything that limits that

is running adverse to the absolute foundations of this country. So the show, I sit people down like Dave Ramsey. I sit down Eddie George. I had Charlie Daniels on the show. It's all kinds of people, all different kinds of backgrounds, but the one thing they have in common is they have pursued happiness in America and they have gone through a lot to get to where they are today. And what I hope the viewers get out of this is, yeah, I hope they're entertained, but I also hope that they get fired up and they get inspired and that they go, wow, I'm taking something on in my life right now that's difficult. Everybody's got a bigger dream than what it is they're currently doing. And they learn from these examples as to how to deal with failure,

how to deal with disappointment, how to keep your chin up and remember, only America, we're the only country in the history of the planet that gives its people the right to pursue happiness. It's our responsibility to take full advantage of it. He is country music superstar John Rich. He's also the host of the show, The Pursuit with John Rich, which airs Wednesdays at 9 p.m. Eastern on the new Fox Business News Prime lineup. John, I talk to people about this every day on the Ken Coleman Show, as you know, about discovering that purpose and discovering work that just fires you up.

You think about it. You get fired up. You're in the middle of it. You lose track of time. You're certainly one of those people who's living the dream. But you talked about failures a minute ago and the stories that you share in this show of very successful people who've pressed through failure. I would love for you to share with the audience, what's it like from your perspective to be on the top of the mountain

even though it was a hard climb and you had your setbacks and failures and fears and all the things is it worth it well i still have setbacks that's right i still have failures and as long as i continue to strive i will experience more failures more setbacks i mean that that's the nature of this game you know that the only the only time you're not going to experience more setbacks and failures is if you're done, is if you stop. And that's just not really in my nature to be that guy. So, you know, when I talk to Dave, this episode airs tonight, you know, 9 Eastern, 8 Central. You guys tune in and watch it.

Fox Business Network. I'm talking to Dave. And what's cool about this conversation with Dave is I've been friends with Dave for a long time. So the radio audience, everybody listening right now, you know, Dave pretty well, because Dave's pretty much Dave when he's talking. But I think I know him even maybe a little bit better from being his personal friend and getting to know him on that level. So when I asked Dave about failure, and buddy, his eyes light up. He's excited to answer the question about failure. He's more excited to speak about the failures than he was to speak about the successes because you can't have the successes unless you have gone through the trial and error phase and

you continue to go through it. And, you know, Dave says interesting things like, if you want to become really good friends with me, then we need to get in a gigantic argument about something. Why would a gigantic argument make somebody a better friend to you, Dave? He goes, because I respect their opinion and that they're willing to, you know, joust with me a little bit. And then when it's all over, we're friends. We give each other a big hug and we just disagree on that subject. And isn't that what America is supposed to be all about? That we can disagree, we can strongly disagree on many different things, but at the end of the day, what do we still have in common in this country? Is there anything we

still have in common in America? I say, yes, there is. It's called life, liberty, and the pursuit of happiness. Beautifully said, John. You know, Dave doesn't do a lot of interviews these days, especially long form. In my eight years here, I can count on my hand. And so the fact that he was willing to sit down with you and do a long form interview, that shows me that he's got a deep respect for you. And I saw a promo for this and I was tuned.

I'm like, I'm tuning into this because it's rare to get to see two great legendary people sit down and have a real conversation. This doesn't feel like a breeze over media hit. This is real life stuff. And you guys dig deep into his story, what he's learned, the success, the failure. Is there a thread that you found between all these people that you've been interviewing? That is a great question, and yes, there is.

So it doesn't matter if it's Wynonna Judd or it's, you know, Eddie George. You know, it could be a professional wrestler. It could be a big business guy. Vivek Ramaswamy. Look at this guy. I mean, this guy's just brilliant. Indian, lives here in America. Now, what they have in common is that they recognize the blessing that they have to live in America and have the right to pursue happiness. They know what that means. Most of these people that I interview have had the chance to travel. They've seen other countries.

They've seen how it works in other places. And they realize that if it weren't for America, guys, can you imagine what the world would look like today if America would have never shown up, if America would have never actually happened? How much different the world would look like today if America would have never shown up, if America would have never actually happened, how much different the world would be today. For goodness sake, we invented the light bulb. We invented rock and roll and country music, and the list goes on and on and on because

we unleashed the potential of our people. So everybody I interview has a deep respect for that. No matter what their politics are, they understand that they are where they are today because they have the right to pursue their dreams in this country. John, you're a good man. It's a great show. Check it out tonight, The Pursuit with John Rich and Dave Ramsey, 9 p.m. Eastern on the Fox Business Network.

Check it out. Thank you, John, for being with us. More Ramsey Show coming right up. Welcome back, America. You have joined the Ramsey Show and George Campbell and Ken Coleman. We are thrilled to be with you. 888-825-5225. 888-825-5225 is the number to jump in on the conversation.

Phone lines are open. And we look across the lobby, George, and we see Summer standing on the debt-free stage. Summer, welcome. Hi, hi guys thanks for having me you bet where are you from i'm from houston texas houston texas all right are you a big astros fan i am i'm really excited to see them win the world series yeah yeah well i want to mention that uh i'm pulling for the break oh all right all right we've got to make this about you. We've got to make this about you. So tell us the story. How much debt did you pay off?

I paid off $110,000. And how long? About two years. Okay. Making how much? I started off at about $73,000, and between a raise and some side gigs, I ended up at about $83,000. Nice. Very good.

What do you do? I work with kids with autism doing behavior therapy. Oh, awesome. Very rewarding. Yes. Unbelievable. You have that spirit about you. Oh, thank you. A very calming spirit.

Thanks. I feel calm right now, Ken. I'm glad you mentioned that. I was going to say, you should meet with George on the commercial break. He's full of anxiety. Oh, no. Oh, well, that's really fun. Okay.

So what kind of debt was the $110,000? Yeah, so about $21,000 of it was a car payment. I paid that off in about seven months. And then about $89,000 was undergrad and grad school loans. Of course. Yeah, wow. So I've got a question here. Yeah.

You're making $73,000 up to $83,000, but you must have been paying $55,000 a year to pay this thing off in two years. Yes. How did you do that? So the first thing was that I moved in with my parents. They have been amazing. So not having rent really helped. And then I also had a lot of side gigs. I was a dog sitter, babysat, did Uber Eats, like whatever I could do legally to earn money.

So you were like, I'm going to shave every expense I can and I'm going to increase my income. Yeah, I just kind of lived off of really basics, just learned what I needed and what I didn't need and just kind of, yeah, put everything I had towards paying off loans. Wow. And it sounds like you did nothing but work, eat, and sleep. Yeah. I was not messing around. I just really wanted to get it out of the way, and I just buckled down and I did it. Okay. So give us the story. What happened? What was the impetus two years ago for you to just go this intense? Yeah. So the year before I started paying off loans, I did a mission trip

where we went to 11 countries in 11 months. And my plan was to figure out which country I was going to live in, come back to the U.S., fundraise, and go straight to that country to live long term. And I started filling out an application for a mission organization. And one of the questions was, do you have student loans? So I put yes. And then the next question asked, what are you going to do about those student loans? And I thought, I don't, I have no clue. So I prayed about it and just really felt like the Lord said, you need to pay those off before you can go and do any mission work. So about two days later, I was talking to my dad. He said, hey, my, you know, your mom and I have been talking about it. You can come and live with us as long as you need to get back on your feet.. He said, hey, your mom and I have been talking about it.

You can come and live with us as long as you need to get back on your feet. And I said, great. How about two years while I pay off all my debt? And they agreed. And a few years ago, I did Financial Peace University through my church. So I just fished out my little workbook, just started applying the baby steps, and I just did it. That's really all that's to it. Wow. That's a fantastic story. How much of your future vision plays into that story? I feel like we got a little glimpse of it because you went around the world and I think, George, I've had the privilege to travel the world

not a ton, but enough that when you see the world, it changes your entire perspective. Is there a bigger vision on the other side of this that also helped drive this intensity? Yeah. I mean, like I said, I really wanted to be a long-term missionary. That's still the goal. I don't really know if or when that'll still happen. But really right now, I'm so open to whatever God has for me. And now knowing that I can do it debt-free, I feel like the world is my oyster. I can do anything and not have an excuse, oh, I have to pay my student loans or I have to do this. I just feel very free. This is huge, Ken.

She's free. There's a lot of people out there who want to do mission work or want to do work where they go, all right, I don't know what the financial side of this looks like for support and doing all these things. And you said, you know what? financial side of this looks like for support and doing all these things. And you said, you know what? It's going to give me more options and more opportunity if I can clean up this financial mess and live a debt-free lifestyle. That's huge.

It's amazing. So who were your biggest supporters? Obviously, mom and dad did a lot for you. Who else maybe was a cheerleader for you? Yeah, my friends were amazing. I still did little vacations here and there, little dinner things, but, you know, I would be very upfront and say, okay, this is my budget. What can we do? Are you guys okay with maybe not doing a huge trip, but doing a small trip? And I just had so many supporters, so many people cheering me on. And

I think a lot of people couldn't understand, but they were still really supportive. That's awesome. So what would you say out of all the things you did, what was the key to getting out of debt? Yeah, I think just owning it. I realized that it was my debt. I took out the loans and nobody was going to pay them off for me. I can't tell you how many people told me, oh, you shouldn't be paying off your debt. You know, the government's going to forgive it in a few years. And I didn't know if that was going to happen or not. And I didn't tell you how many people told me, oh, you shouldn't be paying off your debt. The government's going to forgive it in a few years. And I didn't know if that was going to happen or not, and I didn't want to take that chance. So I just thought, okay, this is my problem. I'm going to put it in God's hands, and I'm going to work as hard as I can to solve the problem.

So you said personal ownership is the key. Imagine that, taking responsibility, taking back control, and not putting in the hands of an outside force and hoping. Absolutely. That's incredible. You're a rock star. Thank you. Absolute rock star. Well, you know, when I see a young lady like this who's got so much future ahead of her, she's got options.

She loves her work now. I think it's very obvious you love your work now. But then you also have a heart for maybe doing something around the globe. And as all that comes to you, you kind of go, all right, I can move on this. I want you to describe. You said you pulled out financial peace. I want you to describe the peace you have, even though you don't know what the path ahead looks like. I mean, I just feel like it's everything. I no longer have to worry about maybe one day going into marriage and having kids and kind of putting my debt on my kids.

Like I said earlier, I feel like I can really do anything. I don't have to worry about, oh, no, I can't spend money to go on this trip or I can't do this. I just feel peace. I feel like I have a great future ahead of me, and I'm excited to do the rest of the baby steps too. You definitely do. Well, thank you so much for coming here and sharing your story with us and the audience. As an appreciation, we want to give you two books. We're going to give you Dave's Legacy Journey,

which is the next step for you now as you build a true legacy, and I think it's going to be beautiful, and I think you've got a great vision for it. And then we also want to give you a copy of his Total Money Makeover for you to give to somebody else. Maybe one of those friends who supported you but hasn't quite jumped on. Whatever. You'll know who to give it to so we want to give you those

as a thank you for sharing your story with us. So you ready to go? I'm ready. Alright, let's do this. Summer from Houston, Texas. She paid off $110,000 in two years, George. Woo! Getting with it. Making $73,000, then up to $83,000.

Summer, this is your moment. Take it away. Let's hear your debt-free scream. All right. Three, two, one. Thank you, Jesus. I'm debt-free! Woo! There you go. Two, one. Thank you, Jesus. I'm debt free!

Woo! There you go. She got up there. Another octave. I like that. Man, I feel like she's got some pipes, Ken. I think she can sing. Oh, yeah.

I think it's very possible. I love these stories. Because, you know, I kept thinking as I was hearing her story, we just released this Borrowed Future documentary, and the stories are stuck with me, the heartbreaking ones, where they went, we couldn't start a family, we couldn couldn't buy a house we couldn't do the work we wanted to do we couldn't live where we wanted to live because we were held back by the student loan debt and she had eighty nine thousand dollars in student loans between undergrad and grad school and she said you know what i'm not going to put my hope in the government i'm going to take personal ownership personal responsibility i'm going to work my tail off to create my own opportunity, to create my own options.

That's inspiring. It is inspiring. I'll tell you what else I just thought of. We talk a lot about when we do these stories, we talk a lot about the peace and what she feels now. And we talk about the struggles. But you know what else beyond the financial peace and all the options? There is a, I did it. There is a perseverance that has been experienced. This is serious, what she did.

There's no stopping her. This isn't just financial peace. This is grit for the journey to live and give like no one else. Wow. Summer's awesome. And so are you. You can do it. We're going to help you today.

Don't move. Just around the corner, more Ramsey Show. Welcome back, America. Thrilled to have you with us here on The Ramsey Show. I'm Ken Coleman, joined by George Campbell. We're taking your questions about life, money, work, and beyond. So much going on, Ken. Oh, boy, do we have a lot going on. You were just on Mornings with Maria.

Very early this morning. Very early. And you guys were talking about this great resignation, and you unpacked it brilliantly in the time that you had. And everyone's been hearing this word fly around this morning. It's this big ominous name people are using when they talk about massive job turnover. That's what it is. It has a cool name.

We got to name everything The Great. It makes it cooler. And so there's this massive job turnover situation going on right now. And you've been digging into this. After a couple of crazy years, people are going, hey, wait a minute. I don't really like my job. I don't like my situation. And they're up and leaving. They're looking for something better. And you know,

Ken, it doesn't have to be this way. This is what you're doing on The Ken Coleman Show every single day. In your new book, From Paycheck to Purpose, you lay out the proven plan, the clear path to doing work that you love. So if that's you, America, if that rung your bell, if you don't want to get out of bed and face another day at the job, you're emotionally spent, you're physically exhausted, you've lost your enthusiasm, your juice, as Ken calls it, for the work that you do, and every spark of excitement you once had, then this book is for you. If you're ready for a change, you need to read this first and get your game plan ready. And if you pre-order today, we sweeten the deal. We're going to send you over $100 worth of free resources like resume templates, job search tools, so that you can find a way to make an income and an impact, as Ken loves to talk about.

Plus, if you preorder by October 30th, that's moments away, you'll get the e-book on the 31st, which is two weeks early, so you can get a head start on your reading. So hurry up, get your copy of From Paycheck to Purpose today at RamseySolutions.com. Super excited for that, Ken. Thank you, buddy. I appreciate that. And just remember, my kids need shoes. That's true. So if you're looking for just that little extra incentive.

I feel like they need food, too. You've got some big boys. Isn't that the truth? Boy, Costco loves the Coleman, so I'll just tell you that. All right, let's get to the phones. 888-825-5225. That's 888-825-5225. San Francisco, California is where we go now.

Kristen is there. Kristen, how can we help? Hi, Ken. Hi, George. How are you guys doing today? We are having a blast. What's going on with you? Okay, so my call kind of has to do with the last guy who called,

but in a different sense. So my husband and I got married and we moved into a house and the roommate that was living with him before we got married came with us to the new house, which was fine because it's helped with the bills. So we don't have to cover everything. But now he's basically moved into his girlfriend. She stayed every night for the last four months. She showers here. She washes clothes here. She eats here. But we talked to him about it, said she needs to start paying rent if she's going to stay here that much because we do pay quite a bit more than him for the bills here. And he said she's a guest. She doesn't need to pay bills. She has to pay bills elsewhere,

and we're not really sure what to do, if we should try terminating our lease early, but I know that costs money, or if we should try removing his name off of the lease, if you even know if that's possible. Oh, boy. Sticky situation here. So what is the lease agreement?

What does it say, and who owns that? So the lease agreement is my husband, me, and the roommate. All three of our names are on it and it's for a year. So we started in June until next year, next June. And then per the regulations, it says that there should not be any subletting and nobody else besides the people who are on the lease agreement should be living here. That's pretty clear to me. Yeah, there's your technical out. Have you told him that, that, hey, this is in the lease agreement?

No, we haven't told him that yet. Who's the enforcer? Who's the actual enforcer in that contract the enforcer would be our landlord who lives we live about like an hour east of san francisco but my landlord lives in la yeah well i'd be on the phone with really here to like check yeah well i mean your technical out is that clause and the landlord to be your heavy. But this is still going to be a tough conversation. And at some point, we've got to be big boys and big girls. And he either does it your way or you get the landlord involved. Okay.

Yeah. And I hope you've learned a lesson here i hate to sound like dad oh yeah but goodness gracious my husband and i are both like wow we are never going to do this again so you guys are all renting as part of this lease so it's not like you're you're not gaining anything financially other than you have a roommate to split with, correct? Yeah. So like the all total, we pay like $3,000 for bills for just to live in the house, and he pays about $900. So we feel like we're housing a child now. Well, part of me goes, it's not like you own the house. Is there another situation? Obviously, I want him out to get a better roommate if he's not going to agree to these terms. I don't like the idea of the girlfriend moving into the situation either.

Does that cramp the space a little bit to have four people in there? No, it's a big enough house for it, but we just feel like he is disrespecting the agreement that we agreed upon. And this girl isn't paying anything and she's staying here for free, which you're not allowed to stay anywhere for free. She's got the greatest gig right now, rent-free in San Francisco. Were you guys good friends with this clown before this, or is this just a sheer roommate situation? My husband is.

Ah. My husband is close friends, so that's where it gets sticky. No, it doesn't. It doesn't matter about relationships. Thank you very much, Chris. Can I just tell you, you need to tell your husband what I'm saying. Your husband needs to man up. My goodness gracious.

If one of my friends was doing this to me, it'd be a one-on-one bro conversation. Come on, man. Your husband should be ashamed of himself. You shouldn't even have to be dealing with this. He needs to man up and tell this dude, figure it out. You play by the rules or you're out, dude. But this guy is taking advantage of your husband. He is taking advantage of his kindness or, shall I say,

taking advantage of his lack of confrontation skills or a stomach for confrontation. Am I about right? He's a police officer, so he knows how to have confrontation. I think it's the kindness part that... Well, he needs to take off the kindness hat. He needs to put on the confrontation hat and pull out the old nightstick, too. You know, I'd be tapping it on my thigh.

Hey, man, listen up here. You know, look, this is unfortunate. Well, Ken's saying this. He's being good cop right now. We've got to see a little bit of that bad cop. Thank you, George. We want to see this situation be resolved. I don't like, if I'm in your shoes, I'm going, this guy's out.

And if I've got to use the landlord to fix it, if I've got to get the husband to have this conversation since it's his friend. And like you said, if it's a friend, it's a different level of conversation. It's not a stranger you met on Craigslist who's going, hey, dude, if she stays here, she pays rent. That's the rule. George, you know me. I'm old school, man. You are.

I'm old school. I mean, this might just be grabbing the guy by the back of the collar and the back of the pants and throwing him out in the parking lot. Let's not resort to violence, Ken. Come on. I'm not saying actual violence. I'm saying it's one of those, come on. He just needs to lower the boom on this guy and go, dude, you're a child. You're acting like a child.

But now let's focus on the backside of this, the lesson here. First of all, I don't like the deal that he was paying $900. They were paying the lion's share. Now sometimes they go, well, if you've got the master bedroom with the in-suite bathroom, you pay a little more. That's typical. I don't like it. So I don't know their situation there. But if I'm in their shoes, maybe it could be better to have a stranger who just keeps to themselves,

who's clean, and you get a different roommate who you don't have to deal with. Did you have any language in your wedding vows that said leave and cleave? You ever remember that part? I remember that part. Leave and cleave. If you can't afford an apartment without a roommate if you're a married couple, then you need to slow down. You need to do something less. I don't like the idea of any new married couple, quite frank. You know, I just don't like it. Yeah. And they're in the San

Francisco area. So it may, now if they went, they're paying three grand, three people, maybe they could find a spot for two grand that's smaller and still work for them if they want to be on their own. But living in that area, high cost of living, it gets tough because you're going to pay $3,000, $4,000 on your own. But hopefully the income is there to support that too if you're living out there. There needs to be boundaries for a new married couple and married couples in general. It'd be one thing if it's a room over the garage, but sharing one house? I don't know, dude.

But you're younger. You're making all kinds of excuses for it. Well, we've read the article. The millennials are buying houses together. Co-buying with friends. Nightmare waiting to happen. Ugh. All right.

Hey, I want to thank our producer, James Childs, our associate producer and call screener, Jenna Sears, and You America. Thank you so much for joining us. This is The Ramsey Show. This is James Childs, producer of The Ramsey Show. Did you know The Ramsey Show is one of the most popular podcasts in the world? Subscribe or follow today wherever you listen to podcasts.