The Ramsey Show - App - What Should I Do After Being Evicted 6 Times? (Hour 3)

Episode Date: April 18, 2024

Live from the headquarters of Ramsey Solutions, it's the Ramsey Show, where we help peoplehost today. She is a Ramsey personality and a best-selling author of the book, The Ramsey Quick Read, Money's Not a Math Problem. So joining us to help us answer your questions about your life and your money. Open phones here at 888-825-5225. Bill is in Chicago. Hi, Bill. Welcome to The Ramsey Show. Hi, Dave and Jay. Thank you for having me.

Sure. What's up? Last year, my father passed away, and he had a business, but he left the business in a trust. And he put the accountant that he was working with as the executor of the trust. And since then, I've had very little contact with the accountant. I'm calling and emailing, and I'm just trying to get answers on what I can do to find out how the business is doing. Are you the beneficiary of the trust? Yes, I am. I am a 50% beneficiary along with my sister. Okay. And the accountant is not responding? No. I mean, I'm lucky to get

a response like once in a blue moon. Okay. What is the business? How big a business are we talking about? My dad had it valued at roughly about $2.5 million. What is it? Just before he passed. It's generator repair and sales. So who's operating it? The accountant is. He's doing generating, operating, and repairs, and he's an accountant?

Generator repairs. Yeah, yeah, I understand. Yeah. I said it wrong. The accountant. No, no, you're fine. I could have said it wrong. No, I did.

I'm sorry. He's out. So it's got employees, and this guy's running the business. Yes. Where is it? In the northwest suburbs of Chicago. And you live there? I live just south of there.

Okay. All right. You should contact an attorney, and you and your sister should remove him as the trustee. He's not the executor. Trusts don't have executors. Trusts have trustees. Okay. Right.

And the trustee makes the decision, but the trustee is supposed to run the trust for the benefits of the beneficiaries. Not returning the phone call or the email of the beneficiaries is not something you get to get away with when you're a trustee you will be removed okay so the first thing first thing you do is contact an attorney and find out how you're going to do that under illinois law and then right after you leave the meeting with the attorney go ahead and just drive over to the office where this guy is okay and say bubba we're not doing this anymore i'm the beneficiary which means you work for me that's what a trust means and so you're not going to be working for me anymore unless you start working for me okay how's that sound i like that idea okay and we remove him and remove him from the business

and put someone in to run the business or sell the business right right or he decides to straighten up his act and go oh i didn't realize you were my boss seems like he got it twisted as they say so i don't know why your dad did this this is very strange my my dad kind of did us the will and trust as almost like a last minute kind of deal i don't think he actually hadn't you don't think he even understood what he pulled off right yeah i don't think he uh had the time to dot all of his I's and cross his T's. Yeah. Okay. Well, it would have been real simple to just leave the business to his kids.

Oh, I understand that. Yeah. Okay. All right. But anyway, yeah. So I think I'm going to contact an estate attorney, estate planning attorney, and send them the documentation of the trust. I'm sure you have a copy of it.

If not, it's part of the public record. It had to be filed with the will being filed and everything else and then um sit down with that attorney and say what is the process to remove a trustee who is not acting in the best interest of the beneficiaries okay because the beneficiary is the actual that they are the ones who benefit the beneficiary and so you're the you're the stockholder you own it right yeah and if the trustee is not acting in the best interest of the beneficiary they can be removed in almost any trust okay and the other so but i i want to know what my rights are i want to know what the law says in illinois i don't and if i'm you you need to become an expert on that and then

you need to go have a conversation with bubba about whether he wants to run this thing or not. Bubba's tripping. Bubba's getting ready to be tripping after this conversation. He's going to be having an issue. He's got a new issue. His issue is Bill. And we're going to help Bill be an issue. Brody is in Jacksonville, Florida.

Hi, Brody. How are you? Hey, Dave and Jade. How are you all today? Better than we deserve. What's up? So I've kind of been in a tailspin for the last six to eight months. I jumped out of a career where I was making, you know, between me and my wife, almost $300,000,

but it was coming at the sacrifice of my family. I missed my daughter basically growing up until she was a year old and just woke up one day and couldn't do it anymore. So I jumped ship on that career and have moved over to a lower-paying career. It's going to give me a little bit more of some family time. What were you making before? I was making by myself, not including my wife. I was making about $250, my wife i was making about 250 000 what were you doing selling new construction and why couldn't you just work less um it was a pretty set schedule it wasn't really an option to work less i was working 80 hours a week well just gone every

weekend so i got two days off during the week and basically never saw my wife i was commuting over an hour uh each way to the community i was in your wife works makes 50 my wife works monday through friday i see okay and so you you just said okay i quit and so now how much do you make um this year I'm expected to make roughly $160,000 by myself. Okay. So you took $100,000 of your pay cut? Yes, sir. I'll be home with my wife and daughter on the weekends.

Does that work with your budget? It definitely does. We're 100% debt-free. Great. All we have is our mortgage. We owe about $340,000 on the house. And you have a $210,000 income, so you can afford a $340,000 mortgage. So what's the question?

Yes, sir. The question is, we've got roughly $160,000 just sitting in a savings account. We pretty much stockpiled my entire income while I was selling new homes. We've lived way below our means. So I'm wondering if I should take some of that, throw it at the house, and recast the mortgage? No. More room in the budget. The point is to pay it off. You don't want a lower payment.

Well, we've only had the mortgage roughly eight months. We just moved in. So my thought was it wouldn't really extend the loan that much, but it would just put some more buffer in our monthly. You don't need buffer in your monthly. You make $210,000. You need to pay off your mortgage. You need to pay off your mortgage. That's definitely the goal. Keep three to six months aside. Other than your emergency fund, I would throw every piece of cash I've got at this mortgage, and then I'd throw a bunch of income at the mortgage. Noah, you don't want to recast and take your payment down. It's right. No, no, no, no, no.

You're going the wrong way, Brody. Wrong way, dude. This is the Ramsey Show. So it's just a little over a month away. I'll be doing the Ramsey Investing Essentials event. It's a two-night, two-hour-a-night virtual event. I'll be doing it. George Campbell's going to come along and help me, come in and interrupt me periodically.

That's how George helps. A little snark here and there. He's an expert at that, he is. Yes, he is. And so, about like me, anyway. But yeah, we're going to have some fun. And here an expert at that, he is. Yes, he is. And so about like me anyway. But yeah, we're going to have some fun. And here's what we're going to do. We're going to lay out the basics of investing, number one. And then number two, we're going to go beyond investing 101 and go into 201, 301, and 401 and some graduate levels. So I'm going to unpack details

on mutual funds, how I actually personally select my mutual funds. We're going to get into real estate at length, a ton about real estate. I own several hundred million dollars worth of real estate. I don't sell a course on TikTok on how to do real estate. And so this is just me. I'm going to tell you what I do. So if you want to know what my playbook is, and I own, I actually do it. I've actually done it for decades and so it's not it's not like a theory like i'm doing this out of the trunk of my car or something so anyway we'd love to have you it's going to be march 21st i'm sorry may 21st and 22nd dave ramsey's investing essentials and uh it's pretty cool i've never i've never covered this material in public before.

Dave, give us a taste of what a topic might be in the 401 conversation. The details of exactly how to place valuation on an investment real estate property. I like it. The stuff you would learn if you get a CCIM, which is the highest designation in commercial real estate, as an example. So we'll unpack that and then look at internal rates of return, which is how you properly measure real estate returns, and look at risk

management and risk measurement and things like that as well. so we're going to unpack every bit of that and it's just it's pretty highbrow junk and it's pretty nerdy um and so you know if you don't have two nickels to rub together you probably shouldn't spend your time or your money on this uh i'll probably teach it again someday or it's going to be recorded so we'll have it out there somewhere i'm sure but anyway it's um i think it's a couple hundred bucks for the ticket or something so dave ramsey's investing essentials i've never done the material before so i'm looking forward to think it's a couple hundred bucks for the ticket or something. So Dave Ramsey's Investing Essentials. I've never done the material before, so I'm looking forward to doing it. It's going to be kind of fun. But it's me teaching nerd finance class.

And some of the trollers or whatever think I don't actually know this stuff. And that's the humorous part of this. So anyway, we're here to help everyone even people who have a lot of money so there you go i love it uh ramsey solutions.com slash events to sign up for any of our events and that includes of course that one so thanks for being with us david is in atlanta hi david welcome to the ramsey show, sir. I appreciate you taking the call. My pleasure. How can we help?

I don't know that you can. I was told to be brief, so I'll be brief. I recently got into a rental home back in March of this year. We are already behind and unfortunately we were not completely forthcoming with the landlord that we leased from in what way uh he doesn't have my correct social security number okay why uh because the way we've been living over the last uh several years we have been uh

kicked out of previous homes that we've rented how many uh at least six so you've been evicted six, and now you're behind on your rent for the seventh? Yes, sir. Okay. We are. Why? There are several reasons. A lot of it has been me attempting to try to make my spouse happy

and not making the right decision as a man, as a leader, and being too passive. Is that in the form of you not working or you choosing places you just grossly can't afford? Yeah, choosing places we can't afford. Okay. So what do you make, David? I have a few sources of income, sir. I work full time. That brings in about a thousand a week after taxes. And once I'm done with that job, I have other companies that I work for when they need me to do towing and changing tires and getting

people's keys out of their cars and things of that nature on a slow week that adds about another 300 on good weeks it could add up to around 600 so around 50 so let's call that another another six thousand dollars a year give or take okay. And does your wife work outside the home? No. I get an additional $41.53 now through the Army. From a retirement or medical discharge. Okay. So you get another $4,000 a month.

Correct. Okay. So I got $52,000 and $6,000 and $48,000, and so you're making over $100,000 a year. Pray tell, what is your rent? $26,000. Okay. Which you actually can afford.

Exactly. It's the lifestyle. And what else are you doing with the money instead of paying for the rent? This time around, it was because I made the poor decision to promise a trip for one of my children and um so it was one of the situations where i mean you're bringing in ten thousand dollars a month you have to you have uh uh two thousand six hundred dollars rent where is all the money going we had to buy a car outright and um we've had to put up to this point how much how expensive a car did you buy outright uh it was fourteen hundred dollars sir you bought a fourteen hundred dollar car no this is sorry this this can't be it because that's not even close okay so what i'm not talking

about this month i'm talking about over the last several years you've been making serious money and have chosen not to pay your rent no no no no no sir this has only transpired over the last nine months okay so why'd you get kicked out of the last place then why weren't you paying your rent i mean you gotta you got is there you have a huge car payment anywhere no sir okay how many kids do you have i have five okay how old are they um the oldest is 28 out on our own the other one is 23 he's out on his own. Good. And then I have a 21-year-old, a 19-year-old, and a 12-year-old that are living with us. Okay. And does your wife work outside the home, sir?

She doesn't work outside the home. She's doing something on her own on the side, and that brings in an additional now $1,400 a month. Okay. All right. And so if you brought in $10,000 last month, why did you not pay your rent? Because you promised a trip and bought a $1,400 car? Well, it was a $1,400 car, but unfortunately it needed about $2,500 worth of repairs that we weren't aware of, and now it needs another $1,400.

How long have you been making a hundred thousand dollars a year? How long have you been making a decent income? Nine months as he said nine months ago he got this job. Nine months. Got you okay I missed that okay. All right David there's something really glaringly missing in this whole equation and I can't put my finger on it and I hesitate to just start lashing out at this very frustrating situation because you're hurting and you're scared okay so here's here's the simple let me back let me just back into the way you should be doing this okay okay the way you should be doing this is you ought to be bringing home the money and the first thing it does is buy food the second thing is lights and water and the third thing is you pay your rent you have the money to do all of those what in god's name

causes someone to buy a 1400 car and then spend 2500 on it and then propose to spend another 1400 on it you drive that thing over the junkyard park it and take a check and walk away and go buy something else this is dumber than a rock, man. Don't do that. And then you guys have got to get on a game plan and start to control your money. And I don't know, and quit promising kids stuff, and then you get evicted. Oh, and by the way, commit criminal fraud

and don't give them your actual proper Social Security number, too. That's like go-to-j go to jail stuff man don't do this stuff so you guys got to get control jade washall ramsey personality is my co-host today open phones at 888-825-5225 you jump in we'll talk about your life and your money. Caleb and Christina are with us on the debt-free stage right here in the lobby of Ramsey Solutions. Hey, guys, how are you? Doing good. How are you, Dave? So excited to be here. Well, we're honored to have you. Where do you guys live? Denver, Colorado.

Very cool. Very cool. Thanks, man. We appreciate y'all coming all the way out here. And how much debt have you paid off? We did $102,000 over 36 months. Good for you. Nice. And your range of income during that time? So we started around $85,000 and we are around $200,000 now. Very good.

Oh, good. What do y'all do for a living? So I'm a personal trainer and online health coach as well. And then up until now I've done a nursing by trade and an energy medicine practitioner and I'm also a makeup artist. Oh very cool. Up until now what do you mean? Up until now because I've made this transition into coming out of nursing and doing my energy medicine practice full-time. Ah very cool. Got a baby on the way. Yes we we did. The second one. Okay. Very good. Good for you guys.

What kind of debt was the $102,000? A little bit of everything. Cars. Credit cards. And student debt. A couple personal loans. How long have you guys been married? Two years. So a little bit before you got married,

you started thinking about this stuff. We didn't do things exactly the Day Ramsey Yes. Okay. All right. So a little bit before you got married, you started thinking about this stuff. Yes. Yeah, we didn't do things exactly the Dave Ramsey way. Okay. All right. So you decided to get in attack mode on the 36,000, I mean, on the 102,000. Tell us the story. How'd you get plugged into the Ramsey stuff?

So it was actually right around just before COVID started that we were introduced to you guys. And we had a friend that had paid her debt off. And, you know, we saw one of her posts. And so we were just asking about it. And she told us so we both bought the the FPU course, and we started going through that. And it wasn't long after that, that like, boom, pandemic. And that messes up personal training. Yeah, I mean, the gym closed for, oh, you know, a little bit over three months. And that messes up personal training. Yeah. I mean, the gym closed for, oh, you know, a little bit over three months. And so, and that was a big part of where the difference in income was. Because for that time, I was, I ended up going to working at Costco for a while and, you know, making $15 an hour. And, you know, so that was, that was kind of really all I was doing at

the time. But I also saw that as an opportunity where the biggest portion of the student loans was mine. And I noticed that, you know, I found out whenever they were pausing the payments and the interest, I was like, this is the time to attack this. That's right. Yeah. And so, you know, we just, even though we weren't making as much, we just started attacking it then. And from there, you know, as things started to reopen and life started to get a little bit more normal, I went back to training and got a different job, got out of the retail world. And yeah, we just built it from there. Yeah. It just took off. I love that you didn't allow, you know, your, your decrease in income for the time to –

you didn't let that take an opportunity from you, like that interest-free period and that payment-free period from student loans. That's really cool. Yeah. That would have been an easy thing to use as an excuse is what she's saying. Definitely. Might have been a few people did that. I don't know, but not you guys.

And to be honest, in in the beginning him and I were not on the same page we come from very different financial backgrounds and he was like gung-ho from the first go and to be honest the first 12 months was a little bit rough between both of us because he was like we're doing this and I was like man okay to have a little bit of debt here and there like it's totally fine so i was like lukewarm and so i'm like well babe dave says she's like this guy oh so how'd you how'd you go from lukewarm to to boiling okay this is well we listened to your guys's show when we're working out together and we listened to one of your episodes where some caller was talking about how she sold her home to pay off her debt. And so I

like took out the air pod and I was like, have you ever thought about this? And he was like, babe, I've literally thought about this a million times, but I know that you won't do it. And so for me, I was a single mom when I met Caleb. And so it was really important to me to keep this rental or I mean, this condo that I'd purchased by myself. And I was like, I'm going to save this for my future kiddo so that he always has this like piece of investment in his life, or he can do whatever he wants with it later. And then when we heard that podcast episode, I was like, wait a second, he gets really stressed out with finances. Okay. So for me, it was like almost a stressor on me too. And I was just like, look, if this is

going to make our life that much easier than 100%, I'm on board. Let's get rid of this, this, this mortgage. Let's pay off the rest of this debt. Let's get into step three and I'm all in. And so since then it's not been easy because budgeting is not very fun for me obviously I'm like the extrovert so I like need to have all the fun around it so we made it into like a date night and it became something that I wanted to do and so now I'm like babe it's the 30th like we need to get on reviewing what we did the month before and then we need to get into our every dollar and make sure we're prepped for the next time caleb quit using my name as a cuss

word that's right it was no longer a threat yes i love it way to go you guys very cool how's it feel to be free oh i mean i was one of those people, you know, when I came out of college, I had, you know, 50, uh, 55, close to 60,000 in student debt. And then I didn't touch them for a few years and they just built up to a maximum of around 70. And there was a good amount of time where I just saw that. And I thought, this is just what people live with, you know, just hopeless. Yeah. I'm never, and I'm never going to pay this off. It's just, it's just going to be something I have, you know? And, um, when I, when I finally started to realize like, that's not how you have to live life, you know, you can have something, uh, you can have a debt-free life and you don't have to carry these loans and all this, all this extra

weight on you. Um, yeah, I mean, it feels incredible. I mean, Caleb's been dreaming about this moment when we first started FPU, he was like, I cannot wait until feels incredible. I mean... Caleb's been dreaming about this moment. When we first started FPU, he was like, I cannot wait until we're on that stage. We're going to do our debt-free scream. And we were supposed to go on a baby moon. So this is our baby moon. So I compromised.

Nashville. Nashville's a cool baby moon. It works. It works. She wanted Vegas. We settled on Nashville. I just wanted to be by a pool. Somewhat the same, I'm afraid.

Way to go. I'm proud of y'all. Was anybody cheering you on from the outside? Yeah, I mean, more or less. A lot of our friends and family. Even though a lot of people kind of look at it and they don't maybe understand what we're doing. It's not something that they they necessarily believe in themselves um they we had a lot of people saying you know this is really cool um that you guys are they're on they're on this journey and um yeah so yeah i think it's really cool because when you start this journey you actually start sharing it people that are also like dave ramsey weirdos come out and they're like

oh yeah like we're so with you. And then they share their story with us, too. You have to know the code, though. Yeah. Then they start coming out of the woodwork. Yeah. We figured out. Better than I deserve is the code.

That's code for we're doing this. Yeah. We figured out people don't talk about it unless you bring it up first. Yeah. Because they get trashed by their crazy friends. That's right. That's it. Way to go, y'all. Proud of proud of you hey we got a couple of years of every dollar for you one year subscriptions for that to say thanks for coming down and we really appreciate you guys

all right let's bring the young man up what's his name and age neil and he's seven neo is seven and his parents have changed his life i love it it. Way to go. Very cool stuff. All right, Caleb and Christina and Neo, $102,000 paid off in 36 months, making $85,000 to $200,000. Count it down. Let's hear a debt-free scream. Ready?

Three, two, one. We're debt free! This is how it's done right here. Oh, man. I do. I've heard the story a lot where I go from cuss word to saint. It's possible. All in one fell story arc right there. I love it. this is the ramsey

show our scripture of the day this is habakkuk 319 the sovereign lord is my strength he makes me as sure-footed as a deer able to tread upon the the heights. Tina Fey said confidence is 10% hard work and 90% delusion. Love it. I'm with it. Open phones at 888-825-5225. You jump in. We'll talk about your life and your money. Amy is in Boston.

Hi, Amy. Welcome to the Ramsey Show. Hi, Dave. Thank you for having me. Sure. What's up? Well, I was hoping you could help me figure something out. I'm dealing with a lot of resentment and anger and frustration over the fact that I have a friend who is basically committing workers' compensation fraud. She was injured on the job. It was legitimate. And she was collecting workers' comp for a couple

of years. For four years, she's been absolutely fine. And she collects a good portion of her salary for doing whatever she wants. And she acts like it's okay. And what's worse is she puts me down for working. And I don't know what to do about it. I think if she were not part of my friend group and I wasn't going to see her, I would just stop being friends with her. But she is, and I don't want things to be uncomfortable. And yet I just have such a hard time with this. I've worked my whole life.

I raised two kids by myself. I'm divorced since they were three and four. They're in their twenties now. They're both struggling to buy a house, even though they work really hard and they're saving their money. I paid over $40,000 in taxes last year. It's just, it's maddening. Yeah. Are you the only one in your friend group who knows this? Like, is this a secret or everybody knows? Oh, everybody knows. Everybody knows. And are you the only one who has a problem with it?

Because what I'm trying to decide here is if she's the problem or if the friend group in general is the problem. Well, we go back a long way. We've been friends since grammar school. And, you know, there were a lot of years when we were raising our families. You know, we're in our 50s now, but we didn't see each other very much. And so a lot of this wasn't really known. But, yeah, we all have a problem with it. For some reason, we just don't. Has anyone confronted her with it? Because if you're telling me i'm trying

to put myself in your shoes if i have a good buddy which i've i do and i've had this situation i've earned the right at that point to you know to speak truth and say hey listen here's what here's what you've told me unless there's something i'm missing here's what i'm observing and you know we've always held each other to higher account higher standards in this like what's going on if and if i'm your friend you know she's always been the kind of person who will tell you exactly what she thinks but if you do it to her she'll cut you off at the knees okay well she can dish it out and she can't take it exactly exactly. Exactly. I mean, what is the big draw here? Why not just sever the end of this relationship?

There's no point. I mean, you don't have to be mean and call her up and say I break up. But, I mean, just quit hanging out with her. She's not good people. Period. Yeah, I don't. And I don't think there's any chance you're going to change her. So why hang out with people that are misbehaving?

You're going to become one of them plus oh no well yeah you are because you become who you hang around with and you're angry all the time about something that is not even not even your problem and that was the indicator when you first told us i have a friend who's committing fraud but then after it you were like i do this and i've done that and i pay my taxes and my kids are trying to buy like that's when i was like oh this is really making you feel some type of way it's not worth it yeah why hang out with you're right cut it off why okay what's the purpose there's no purpose there's nothing gained when you're with her well i don't i don't hang out with her it's enough to make you call the show yeah i know i know i know because i you know why because it's our today and i just

you're right it makes me crazy i guess my that's you that's not her she is not bothering her a bit she's living rent free in your head and and she's a and she's committing fraud this chick's got it all the way around so now i mean i just i would just let her go do whatever she's gonna do i mean i know lots of people who misbehave but i don't want to hang out with them and i'm certainly not going to spend my brain calories trying to fix them when they don't even want me to right that and she's at home eating a ham sandwich, and you're here ripping your hair out over nothing. Yeah, you're right. I know.

I know. I mean, the reason why I haven't done that, I think it's because I don't want it to be awkward when I know I'm going to see her. I don't need to see her. Yeah, I don't even think you need to have any it's i have a i have a friend that i have known for um 45 years roughly okay who has uh about 10 years ago i said i don't even want to be in the room with them again because they have a tremendous problem with their temper. And they'll be going along just fine and sweet as they can be. And then just decide they're going to light somebody up.

And they usually do it digitally because usually they're a coward. Okay. And they'll light somebody else in the friend group up and just tear them to pieces. And then go on and act like they didn't do anything. Just pretend like it never happened. And those people are dangerous. And I don't want to be around them. group up and just tear them to pieces and then go on and act like they didn't do anything just pretend like it never happened and those people are dangerous and i don't want to be around them and so i just made a decision i've known them a long long time but i don't you know if they're going to be at the party i'm probably not yeah i just don't want i don't be around them and it's

not awkward at all i it's uh i don't want to expose myself to the foolishness of this human being and that's what you're that's what you're talking about and so it's sad but you know and and friendships run their course and that's fine yeah they do they you know everybody is not a lifer and that's okay for sure yeah i mean for sure they do and because your life changes they change everything changes you move different areas of the country you start to uh you know commit fraud you know you're you're you're I'm sorry I said you start to commit fraud yeah oh yeah there's that yeah you start to be a criminal and then yeah there's that and you know just and then and then you run other people down

who work hard yeah yeah because I rob Because I rob banks, but you work. Right. Look at you, you know. And so. But yeah, I mean, that's. Yeah. Amy, you're spending too many calories trying to fix somebody doesn't want to be fixed. And you're doing it over and over and over in your head.

And she doesn't care. So I just I you don't have to call her up and break up. I just wouldn't be around when she's around. That's simple. Yeah. And then if she calls up and says, hey, where you been going? You know, I just had I, you don't have to call her up and break up. I just wouldn't be around when she's around. That's simple. Yeah. And then if she calls up and says, Hey, where you been going? You know, I just had enough of you. Yeah.

Yeah. I just got a gut full of your fraud and you running me down and I'm a hardworking person that pays my bills and I don't cheat and steal and you do. And I just had enough of you. And, um, you can't, you can't be friends with someone you don't respect. Yeah. Bottom line. Like there's has to be a base base level of I respect you as a human being. Yeah.

I respect something about you, you know, and it's like, you know, like I have people that are friends of mine that vote wrong, but they've got great intellect. Yeah. And they're just using it poorly. And so it's a lot of fun to hang out with. And I like getting in good spirited friendly arguments there you go you know but i because i like being around people that believe things i don't and of course to learn and to check my ideas against them and all that it's a little

intellectual sparring if you will but but that's different than um this is the person i'm going to call when my family's in trouble yeah because this person this person, you know, a friend is somebody, a 2 a.m. friend, we call them. So you call at 2 a.m. when the kid's sick and you got to run into the emergency room and you need somebody to keep the other kid. Yeah. Well, there's also a level of this, and I'm not trying to go too deep, but if you're committing fraud, you're lying. And it's hard to be friends with liars.

Hell, there you go. There you go. everything moves at the speed of trust right yeah wow good stuff good stuff all right that about puts this particular 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 only one way to financial peace and that's to walk daily with the prince of Peace, Christ Jesus. We'll be you next time.