The Ramsey Show - App - When It Comes to Negotiations, It’s Not About Fair, It’s About Facts (Hour 3)

Episode Date: November 9, 2023

🎵 Live from the headquarters of Ramsey Solutions, it's The Ramsey Show, where we help people build wealth, do work that they love, and create actual amazing relationships. I am Ramsey personality Rachel Cruz, hosting this hour with best-selling author, Ramsey personality, and great friend, Ken Coleman. We are here to answer your questions, and it's a free call anywhere in the country at 888-825-5225. So we're going to go to the phones this hour, and we have Judy up first in Indianapolis. Hey, Judy, welcome to the show. Hi, thank you so much for taking my call. Absolutely. How can we help? Okay, well, this is my little situation, and I haven't heard this much before on your show. I'm 59, and I'm a widow, and I'm unhappy

in my present position, my job. I've been in it since 2008. I have no debt. I have no electric bills and I can live on very little a month. I'm just by myself. I have no heirs. I have no dependents, just me. And I have about 150K,000 in a 401k. How much? $150,000? Yes. Okay. And I have $75,000 in just a savings account, high-yield savings account. And like I said, I'm not happy in my present position.

What do you do? I'm in logistics. Okay. And it's been wearing on me. Yeah, what's wearing on you? Is it the work or is it the environment or both? Well, I'm a single employee for my company on site at a customer. And I've been there since like 2008 and recently my schedules have

changed all our all team schedules have changed where they require you to be on call for an additional 48 hours a week but they won't pay for the on callcall. What they do is as long as you can prove your time spent in e-mail time or conflict management of shipments, then you can get your time like 30 minutes a night instead of, you know, because I'm on call like five hours a night. And you only get paid for a small midget of that, of 1% of what you actually do. Yeah, so that just eats away at you. It's just irritating.

Yeah, I get it. And it's also your by yourself too. I guess that's not fair. No. No, so I'm looking possibly to change my whole life. You should. You should. That's what I'm getting at. Because logistics, if you were in a different environment and different circumstances, the logistics work, the process nature of it, you probably enjoy that because you're probably good at it. Is that true or false? I believe I am. Okay, good. All right.

The uncall is what's killing me oh i get it yeah well first of all we need to be looking to leave that would be my first advice but i guess you called for some other reason do you do you know what you want to do judy yes yes i i am looking um actually to um get a car and um what i'm what i'm thinking is i want to get a car with about $30,000 of my $75,000 in savings. And what I want to do is drive for a living, whether it's Lyft or Uber or senior driving from errands and things like that. I think that's what I want to do. I want to help people that way. Okay.

Now, what do you make in your, well, number one, do you have any debt, Judy? Like just your, and what's your housing situation? I own my house. Full out, like outright. You have no debt, nothing, okay. Yeah, she's like. You're living the dream, Judy. She told us she has hardly any expenses.

So here's the question. Yeah. What is your current car? Right now, it's a 2008 it's a pickup a toyota pickup and i won't get rid of that i'm going to keep it i have a small farm i raise chickens and quail and rabbits so i'm going to keep it for the feed haul and feed and the dogs and stuff back and forth have you done your homework on the uber or the lift Have you done your homework to figure out what you can, okay, and you can make plenty? Well, I don't know about plenty. I don't take much, though. I want to do something I more enjoy. I get that. I make about $57,000 now. All right, well, you're not going to make $57,000 drive an Uber or Lyft in Indianapolis.

All right, so here's what I want to point out. I would just be very, very, very careful about making this decision because you admitted to me just a moment ago that if I gave you a $57,000 logistics job where you didn't have that nagging issue of being on call like a doctor and I can't leave work at work and I'm not working in an isolated situation, that you would probably enjoy that job. Didn't you tell me something like that? Yeah, I'm not so sure I want to go back and forth to an office anymore. Okay. And I'm fine with that. I get it. I get it. But I'm still saying, here's what happens. Let's say you buy a car for $30,000. Okay. Uh, that car is going to

continue to go down in value, whether it's brand new or it's used, and you're driving around and you're not making much. Now, you're helping people. You sound like a lovely person who would be awesome to talk to if I was in the backseat of your car and you were driving me around, but this is not just about you serving people by driving, and maybe you could get a delivery job where you're making pretty decent money, have some job benefits. I want you to find the middle ground between Uber and logistics. I just feel like you've got too wide of a either or here. Yeah, because what I don't want to happen, Judy, is you look up in 15 years and you're 70 and you're like, I want to be done. And you look

and you're like, gosh, but I don't know if I feel comfortable being done yet because of my nest egg. So I want you to run some numbers for you, Judy, and just to see, okay, what would it look like to... Let me go over a little bit more. I'm sorry, maybe I didn't make myself clear. I'm a widow, so I can get my husband's social security at 67 or 72, but I'm very healthy, so I plan to work for a while. My husband's Social Security has been estimated at $2,700 a month when I turn 67. Plus, I have an annuity of $2,221 already in place every month for the rest of my life. Okay. So that would be $4,700, $4,800 a month, which is more than plenty for me to do stuff with. Yeah.

And if I was to have, if I was to do Uber or Lyft or even drive for a senior community errands or whatever they needed, I could call my own hours. All right. I changed my, all right, Judy, Judy,

you're awesome. You gave me new information. You gave me new information. I'm glad you gave me new information. And now I'm going to tell you, go drive yourself till you're just completely content because I, now you've got more margin than I thought you had. And I didn't want you at this young age.

And I love that you said you're going to keep working. I think you got way more options. So I'm going to say go drive Uber or Lyft or for senior citizens. I changed my answer. Yep. Do you think that's enough for me to live on? I mean, I don't really, I only have 150K. That's what I was a little concerned about.

I want you to run those numbers. I'll waffle between my two answers. First piece of advice I gave you, I think is good. But I also think that you're frugal enough that if you try this for a couple years, you can always make some changes. That's what I'm thinking. Yeah, go ahead and I will get out of the job. You're not happy there. You have enough margin today in the present to drive. So do it till 2026 and then kind of look up and decide, okay, do I need to go back in something more full time for a few years and make that call? But for today, Judy, I think you're

good. I think you're good to go do what you want to do. Thanks for the call. Hey, you guys, health insurance costs are only moving one way and that way isn't down. And if higher costs aren't enough, the wait times to see your doctor are longer, and it's harder than ever to get anything approved through the bureaucracy. So if you feel like the system is working against you, try a biblically-based alternative to health insurance, Christian Healthcare Ministries. CHM is a health cost-sharing ministry that's helped hundreds of thousands of families like yours take care of over $11 billion in medical bills since 1981. And CHM has also helped them stay true to their values and avoid miles of red tape. And CHM support goes far beyond meeting financial needs. They'll also help meet spiritual needs.

Members become part of a family who will pray with them and for them when they experience a medical event. So listen, y'all, there's no better way to take care of health care costs. CHM programs start as low as $98 a month. So learn more today and join at chministries.org slash budget. That's chministries.org slash budget. Welcome back to The Ramsey Show. Up next, we have, is it Britta in Palm Springs? Is it Britta or Britta? It's Britta, like the water purifier.

Britta, yes. Nice. Perfect. Very nice. Thanks for calling, Britta. How can we help? Thank you for taking my call. I got a quick question. I'm currently in baby step two.

I've paid off $56,000 since January. Oh, my gosh. Watch out, folks. Thank you, guys. Whoa. I backed out of bankruptcy to follow your guys' plan, and it's the best choice I ever made. Look at you. Britta, I'm so proud of you.

That's amazing. Thank you. Thank you. So all of my debt was's amazing. Thank you. Thank you. So all of my debt was in collections when I started. So nothing had like a minimum that I, you know, to keep it current. None of it was current. I have one debt that's not accepting payments right now because they say they're not allowed to collect in Colorado and California right now. I think they have a lawsuit going on maybe. Oh, interesting. And then, yeah, I have an $81,000 medical debt that is obviously in collections and their minimum

payment that they're asking for is $2,300 a month, which would stop, yeah, which would stop the $675 interest that grows each month. Oh, wow. So my question is, while I'm paying off IRS right now and another smaller debt, I should have those paid off at the end of next month and the end of January. Okay. Should I be making the interest payment on the medical debt to kind of hold the balance where it is until I can get to these other debts or not pay it and just let it go up or how much um well the I the the perfect scenario is that you're staying current on it and not getting behind on it so my question is um for you're going to be done with one of the debts

end of this month is that correct so how much money would that free up at the end of this month? End of December, I'll be IRS debt free. And I put about $2,300 a month towards that. Okay. So that'll be freed up. And then what about the January debt? How much do you pay on that? January debt, I'm currently paying $675 a month on. And I was figuring I'll have it paid off in January because I was going to put the rest of the IRS money towards that one and have it paid off in January. And then what I'm left with is the one that's not accepting payments, that's a private student loan that has my dad's name on it. So I've been trying to prioritize that since March, but they're like, they won't accept anything. And then I have a Chrysler repossessed car debt that I also need to tackle for $32,000. For $32,000. Okay. How much do you make a year? I take home about $100,000. Okay. Wow. You've been doing a lot of work then.

Yeah. Yeah, you've killed it. For the medical debt, since it's in collections, have you tried to negotiate that down at all? I have, and I feel like they will. They say no, that they need the minimum payment. payment and they actually lied to me for months and months and said they can't accept payments on it at all unless it's the minimum amount which is a total lie I called back and I clicked the numbers to get to the payment one and all of a sudden they said they would accept payments but just not the minimum one to stop the interest so um they totally lied to me and I believed it

yeah so I forgot what your question was. No, no, you're good, you're good. I was just wondering, because it's such a large medical debt and it's in collections, most of the time they will settle for, but you'll have to have that amount of money usually to make that deal possible.

So your question is for now, honestly, and I'll be curious, Ken, your thoughts on this. I'm almost tempted, Britta, to attack these two smaller ones, especially the IRS one. I would want that out, like ASAP. And it's going to just free up three grand. So even if you get behind two to three months on the interest, I mean, I would still try to pay the minimum payment if you can and stay current.

But I would, yeah, I think I would focus a lot of my efforts on these smaller ones, get them knocked off. That's going to free up three grand. Are you able to pay that minimum payment at all of the $2,300 with the medical? Or does that slow down your entire debt snowball? No, I could pay that, but it would stop me paying off IRS right now, and then it would slow the other one getting paid off in January. So I could put that towards it. I feel like in my conversations with them that they will settle with me if I have some sort of lump sum payment to give to them. Exactly.

The verbiage they've used makes me think that. Yes, for sure. Yeah, and usually they will we find most of the time they will uh you'd want to get it in writing when that happens but again i kind of want to i want to clear up the irs stuff that i don't like the irs being around and then you're so close with the other one to pay off so i agree and i i would i agree with you rachel and but i would i would go the step of britta i'd put a number out there you cannot lose in this situation i'd throw a number out there. You cannot lose in this situation.

I'd throw a number out. I'd throw a lump sum number. I'd go, look, this is what I can pay you, and this is when I can pay the lump sum. See what they say. By the way, don't be crazy generous. Let's have some fun with this. This is like a stress-free negotiation, in my opinion. You can't lose. So I'd throw a number out. In fact, let's just talk about this really quick. What's a number that you have in your mind? You go, all right, I'll offer it this to them. I'll say, all right, here's the lump sum. Would you guys be willing to settle for this? And you just put a number in front of them. What would you say? Well, I was thinking if I was just going to pay the interest until June, I'm expecting a bonus. And I was thinking if I'm just paying the interest and I'm saving all this other back money up of offering them $10,000 and them dropping it to $50,000, I would be happy with that. I'm more than happy to pay my debt. It's my debt. But even if they would drop it down to $50,000 and then I

could pay that off next year, no problem. I'd say that. Tell them, go, hey, I want to pay my debt. I got into this mess mess I'm cleaning it up this is what I'm proposing and just see what they say yep okay you could even go half you could even go half on it Britta sometimes some of these it's like pennies on the dollar I was going to say even 40 uh yeah okay all right thank you uh yeah absolutely you know and and when or start with this sorry to cut you off but start with this hey what would a lump sum what would you be willing to receive from me on a lump sum see what they throw out first yeah yeah i kind of want them to show me their cards totally sorry i i know no you're great you're great but i i appreciate you know brenda's um britta britta gosh sorry

i'm here for you thank you sorry your name is not Brenda. It is Britta. I'm sorry. I appreciate her humility in it, though, knowing like this is my debt because that's part of this conversation. When you sign up for it, you owe it, right? So that is an important part of this. But also, you guys, on this journey, and she was about to file for bankruptcy. I mean, she had a pile of stuff.

She had medical, IRS, all of it. So there is a when the debt it gets old and it's in collections and these people i mean like she said they lie to you i mean it's just it's a gross industry and if you know hey this interest is absolutely insane there is not a moral uh check that you need to have to say yeah i'm gonna see if i can negotiate this bill down because you're still owning that you signed up for this, right? And medical debt's so terrible. I think it's one of the worst. It's one of the number one causes of bankruptcy in America is medical debt. Piles up quickly and has such negative stuff attached to it. So I think asking for that negotiation and talking through that is very acceptable and just to ask. And like you said, Ken, throw it out there and just see the worst they can say is no but at that point talk to it but also britta if

you're still on the line listening make sure you get it in writing like have them email you immediately get the name of the person you're talking to if a deal is done get their name get their phone number their extension how you can reach them i mean make sure you get all that's a great point because once you hang up with them it's like playing the lottery to get the same person back on the phone i know i promise i talked to a lady named phyllis like i don't know where phyllis is we're not sure she's in the arkansas uh headquarters oh okay you know that you're right get it yeah. And that's a very good point. Get the person's name. But listen, the negotiations, I mean, let somebody else throw a number out first. I mean, you can always go back and forth. So I like that.

Throw it out, yeah. But Britta's crushing it. I want people to catch something. You know, she said at the very beginning, Rachel, she said, I backed out of bankruptcy. Yes. And she said something to the effect of, I'm so glad I did. So I hope some people hear that, that that's not as easy and clean and simple as it feels like. Nope, not at all. And you guys, if you're enjoying the show, will you help us spread the word? Will you review, leave a review, subscribe, send these episodes out to friends and family? The more that we get listeners and people watching and seeing this show, hopefully the more help that we can get across America and to be able to help. So make sure to share, like, subscribe

for all the videos and all things Ramsey Show and Ramsey Network shows too. That is great help to us. So thank you guys so much for tuning in. Welcome back to the Ramsey Show. The holidays are coming are coming up you guys and if you want a meaningful gift make sure to go to ramsey solutions.com store we have a lot of books there for our 12 dollar sale including two of ken's books yes please buy a lot of those as you think about your loved ones this christmas season paycheck to purpose thank you very much uh paycheck to purpose come on boy this is the proximity principle so now we can still be friends that was that was hanging on a line there what are mine two uh your two are exactly uh kick them

is what they like to call it know yourself know your money and uh before that over there oh good friend i see oh wow i'm really nervous all of a sudden wow uh love your life not yours there's there's a job there you go so those are in the 12 sale along with a total money makeover baby steps millionaires we don't need to mention anybody else's yeah go check them out you guys and also if you go to rams solutions.com slash store you'll see my new kids book i'm glad for what i have so make sure to check them out, you guys. And also, if you go to ramsolutions.com slash store, you'll see my new kids book. I'm glad for what I have. So make sure to check that out for all the little ones in your life. Look at that.

And it's almost like the pages are thick. It's great quality of a book, too. I'll point that out. I'm going to smell it. Oh. Oh, fresh printing. Yeah, fresh. Fresh off the press is what they're saying.

It really is. And this is lovely. Lots of cute wisdom in this yes so make sure to check out all those and again for the holiday season get a gift that's going to help somebody did you do audio on this by the way you know Amelia did my daughter read the book are you kidding me I know I don't know if we're using it for like an audio book per se but we're using in some of the like marketing why not I want to talk to the big shot who decided no on that. And actually Caroline was the intro and she says,

I'm glad for what I have by Rachel Cruz. How is that not the audio book? I'm telling you, if the people speak, we're going to release that. I got to talk to Dave. Yeah, they got it.

They got it. I'm going to send him an email. Oh, so great. That's fun. So great. I know. So fun. All right. So fun. All right. We're going to the phones this hour. yeah they got it they got it i'm gonna send him an email oh so great that's fun so great i know so fun all right so fun all right we go to the phones this hour and we got anna marie in

albuquerque new mexico hey anna marie welcome to the show hi hi how are you we are doing great how can we help um okay so i just want to give you a quick bit of information because i might have bearing on the answer you give. So we did the baby steps. I have $1,500 in my savings. We paid off all our debt besides the house. But I don't know if you'll like where I have my three to six months of expenses. I have $20,000 in a non-retirement investment account. And then I have, I'm doing 15% of my retirement is going

into a simple IRA and part of it's going into IUL. However, my husband doesn't have a retirement account. And then let's see, I'll move on. So what we're wanting to do instead of paying off our home early, we're looking to maybe sell it and build a cheaper house so that we can be completely debt-free. And then my husband can start getting his retirement. I know that sounds backwards. But we paid $345 for our house. Last time it was appraised, it was about $472. And right now,

I know it's a little higher in value. We could probably list it at $500,000 after talking to a realtor and looking at comps. And so my question is, should we list our house now and use that money to start building the new home? Or should we use some money that we have saved to start building the new home right Or should we use the money that we have saved to start building the new home right now and then sell our house later? I don't know how the market's going to be in the future. Yeah. How much do you owe on the house?

So we owe about $310,000. Okay. So you would get out about $290,000. How much are you anticipating the second smaller house, so the new smaller, cheaper house, what are you expecting that to cost? So I'm expecting it to be around $150 to $175. It'll be actually on the property right next door to the property. We live on five acres.

It'll be the five acres next door. We thought about doing a mobile home, on the property right next door to the property. We live on five acres. It'll be the five acres next door. We thought about doing a mobile home, but we're really talking about building a shop house. Don't do a mobile home. I know. I just feel like that'll, yeah, I don't feel like that'll be good.

Do you own the land that you're going to build on? My parents bought that land, anticipating building out there, but we're going to buy it from them. So we'll pay about $23,000 for the land. Rachel, I don't see any reason why you wouldn't do this, Anna Marie. I don't think it's confusing at all. I think you sell your current house. You take the savings from that, what you make on that, to pay cash for this next situation, and you're done.

I would do that. I don't see any reason. You'd have to go rent somewhere for a year. Yeah, that's the hard part is where would we live in the interim? Yeah, you'd have to rent. Well, you act like there's no place to live in Albuquerque. You're not going to live in a box under a bridge. Yeah, you'd have to go rent somewhere. It's hard to find rentals where we're at, actually.

Well, you'd have to figure that out because I think finding the rental is going to be worth it to be able to do this deal because you'll be able to take the equity out of that house build what you want and get the lands i mean all of it pretty much is settled there with cash and what it's going to force you to do emory which i think is great is it's going to force you guys to stay on budget because with building it always can start creeping up but if you guys hold true and hold fast that nope we're doing this with cash we'll be completely debt free uh and then yeah and then doing and then your husband needs to start retirement even before

you guys start building he why is he not contributing to retirement right now um well he was but he recently quit uh his job and he was only there for a couple years. And before that, he kind of worked for himself, and now he's kind of working for himself. But we have about $140,000 that we could spend building the house now, because whatever we're going to probably be paying for rent is going to be the same as our mortgage. Hold on. So we have about $55,000 cash. And then we have some vehicles we're selling. That's about $45,000.

And here's another thing is I don't want to use the college fund or the money that's in my non-retirement investment account to put towards the house. But without that, we would have $100,000 to build. You need to need to sell and we could you need to sell your house and you guys yes yep i would a hundred percent how much is it just you and your husband yes well no we have a daughter sorry she's seven but income-wise yes me and my husband okay so so how so so you're in such a hurry to build this thing and in your whole big excuse as, well, it's hard to find rent. Are you in the greater Albuquerque area? No, we're actually in a rural area. I mean, it's not the town of Albuquerque. It's in New Mexico, but it's in a smaller town.

Okay, but the renting thing. But you can find a place to rent. Yeah, and it's only for a short period of time. Small amount of time. For six to eight months is what you guys are doing. And then you have all the cash. There's none of this, well, we've got to pull from this account and that account. I'm exhausted listening.

It's just hard because we'd have to move to a completely different place and move twice. For six months. We're building right next to our house. For six months. It doesn't sound like you're going to take our advice, so that's okay. For six months. Anna Marie, for six months is what we're saying. It's six months. It's not six years. that's okay Anna Marie for six months is what we're saying it's six months it's not six years it's not even a full year for six months so you can commute to the build

make sure it's all going okay keep the address so the so your child so your daughter stays in the same school system it's all okay but for six months that in okay perfect well perfect she homeschools it's great so. So again, the inconvenience of maybe having to drive an extra 20, 30 minutes away is worth it just to do a cash deal and that there's no debt. There's no banks involved. There's nothing. And you guys, you have it. You have the equity in your house to do it.

And not to mention, it's going to keep you guys on track, which I think is really important. But you guys need to be looking at this. And you're in a great spot. I mean, you guys have, you have money, you you have money you have emergency fund the 55 000 that could be your emergency fund don't touch that you have some investments here you're doing your rothridge all doing it great you're just switching houses which is a dream anna marie yeah that's a dream that's what people want they want that here's the other thing anna marie you're just assuming that everything's gonna go exactly the way you think it's gonna go, I just got news for you and you're probably chuckling right now

on hold. You know that doesn't happen. And this way, if you do it the way we're telling you to do it, then there's no stress. Yes, there's a bit of inconvenience, but that's just part of change anyway. I would just make this clean and easy. And I think the way to do that is sell, rent, build, move. It's clean, easy. I was stressed out listening to the process. You know, I don't want you to be stressed out. Yeah. You don't need to be. There's no need to be. You guys have done a great job by the way. We're having a little bit of fun there. Well done. But you guys have put yourself in a position to be able to do this. That's right. Good job. Absolutely. Congratulations. Thanks for calling.

Welcome back to The Ramsey Show. I'm Ken Coleman. Rachel Cruz joins me in studio this hour. Our scripture of the day comes from Philippians 3, 13 through 14. One thing I do for getting what is behind and straining toward what is ahead, I press on toward the goal to win the prize for which God has called me heavenward in Christ Jesus. Our quote of the day from Mary Kay Ash, never give up because you never know if the next try is going to be the one that works. There you go. Is that Mary Kay as in the Mary Kay cosmetics? Oh, there you go. She knows. She has some good quotes, I'm sure, with business.

Got herself a pink Cadillac, too. Is that what that is? Did I get that right? Yeah. Oh, boy. I got nervous when I threw that out there. That was good. That was good.

Yep. Some Mary Kay sales. That's what those people have done. Yes, they have. All right. So we're going to close out this hour with Molly in Dallas. Hey, Molly. Welcome to the show.

Hi. Thank you so much for having me. I'm really excited to be on the show right now. Oh, I'm so glad. Well, we're excited to talk to you. We're glad you called. How can we help? Thank you so much. I have two questions regarding the scenario that I'm in, and I don't know how much information is going to be pertinent. So the bare bones right now is that i am currently working against an insurance a car insurance company for a car accident i was in it five years ago this month it's been forever

good great i was not at fault it's it's been terrible um but i was not at fault they're insured with texting and driving and it took three years just to get back to like a medical baseline for me. Oh, my gosh. So I'm really grateful I'm not disabled. I'm really grateful I didn't lose a limb or lose a life, but I still, on paper, I will not be healed for my injuries, but I know Jesus is my healer, so I'm worried about it. So moving forward, I'm negotiating,

and they have agreed to cover all of my medical treatment, my injuries, and like all these medical debts that have racked up. So I'm no longer represented by an attorney, but I had an attorney working on my case. So I have all of my bills, all of my liens lined up. And so they're offering me just under $29,000 for medical bills and lost wages. And I come before you today wondering about the best strategy for negotiating the pain and suffering aspect of it, because they offered me less than $5 a day for the last five years. And they're really, really low-balling in that area, and I don't really know how to advocate for myself in a way that's stern, but fair. I don't know what fairness looks like for that. Well, let me jump in on the last part of that. So the fairness piece, I don't think that you're

a dishonest person. So I think that fair is you being honest about what your care is going to cost. And I think if you're going to represent yourself, which I don't recommend, but if you're going to, then I think you've got to come up with a number based on, and if I was in your situation and we'd sit down and go, okay, all right, what is my ongoing care? If I've got some physical therapy, if I've got some follow-ups here, maybe some potential procedures, surgeries, whatever that is, to the best of your ability, you've got to be able to put that out on paper and you've got to be able to approve that. And you've got doctors weighing in all that and signing off on that. And that's how you would go to the insurance company and go, look, this $5 a day business, whatever you're going to come up with there, let me just tell

you what my healthcare costs are for continuing care. That's where I would start so that you actually, it's not about fair. It's about facts. Like this is in fact what it's going to cost. You should be covering this. But Rachel, I'm not a fan of trying to, and listen, I am about as direct and I love a good scrum. I love a good fight for righteousness and honesty. And I'd love to get on the phone with these morons, right? I really would. But even I don't think that's right. I think I need somebody to advocate for me who knows some of the ins and outs. It might be worth a good attorney here who's willing to work on a content, meaning you get money, then you get paid. Yes. Right. Right. Do you, have you had an attorney in the past five years, Molly, at all? Yes. So I signed on with an attorney and then after two years,

he changed law practices. So I went with him and then about after a year of him being there, he left law entirely. So the practice that I went with inherited my claim and it was not a good fit at all. So we negotiated to just be released from our agreement with no liens to that law firm okay all right but let me say this i don't know if you've ever seen the old movie this is gonna be fun if rachel's seen this or not she loves when i go into the wayback machine grand grand grandpa no rain oh thank thank you very much let me put my cardigan on for a second all right the cardigan is on what what uh rainmaker with matt damon let me tell you what I would be doing, and I'm being serious right now. I would find me some young personal injury lawyer who's hungry.

I mean, like, their shoes aren't shined. You know, they don't know how to tie a tie yet, but they're sharp and they're smart, and they only get paid if they go and get money for you. Now, I'm being a little dramatic, but I would find somebody who's hungry, who is sharp, and they want to score because you've got everything laid out. They could quickly get into the situation and go, oh, we've got something here. But I'd interview two or three of these young, hungry lawyers, somebody who's good, not a complete bumpkin or somebody that's, you know, has no idea how to tie their shoes. But I would find somebody that's hungry, and if they think they've got a case here

and they want to prove something, they want to make some money, I'd turn them loose on this. That's what I would be doing if I were in your shoes. I don't know, Rachel. Yeah, because I think having an expert, Molly, I mean, instead of you having to do this, because I can only imagine getting into legal battles and paperwork. I mean, it's a whole other world, and you deserve more. I mean, like you're looking at it, and you're like, this doesn't make mathematical sense. To Ken's point, it's not it's a whole other world and you deserve more I mean like you're looking

at it and you're like this doesn't make mathematical sense to Ken's point it's not you just being emotional about it it's truly like my bills like this is these are my bills because of this accident and insurance is supposed to cover them so I think bringing in somebody to Ken's point is a is a really good idea and I would because these insurance companies for the most part they're trying to get as little out pay out as little as possible and so this is that's what they do and so for you to actually get what's fair to you i mean it's been five years that's exhausting like i don't even know if you have the energy to fight this any bit you know what i mean anymore and so to get somebody that is fresh on the case they're looking at everything and they're able to to really

help you out because that's... We got to flip this, Molly. You know why? Because these insurance companies are going to kick the can down the road to the point that they're just hoping to delay and delay and delay and delay so that you'll stop. You need an absolute pit bull, Rottweiler kind of lawyer who is so up in their grill that they go, let's settle. Let's get done with this. We're tired of hearing from this lawyer. You got to flip the game and somebody out there will do that for you. In your world, Dallas Metroplex, there's somebody out there who's looking to make their mark. And I'd find somebody who wants to make you their hero. I really do.

That's what I would do. Yeah. Oh, for sure. For sure. Especially when you get into these niche areas, you guys, and Molly's case obviously is a very specific one with a car accident, insurance company, all of it. But get people who live and breathe this stuff. We say the same thing. If you're doing your taxes, if you're doing your investing, if you're going to be selling your house, we have Ramsey Preferred, you know, coaches to help you even with your financial situation all over the country and ELPs with real estate. Like, find these people in these areas to help you. You don't have to be the only one in your entire life, right? If you're going to go work out for the first time, you hire a personal trainer. If there's stuff you're working

through in your personal life, you know, you hire a therapist to walk through like you find people who are who are experts in this stuff and that includes when you're in a situation like molly that an insurance company is kind of bullying you and stringing you along for five years and you don't get the money that you need to cover everything because like you said twenty nine thousand dollars over five years and through all the medical stuff that you have documentation of, that's what you deserve. Like, that's the justice in it. And so I think there's power in that, having people that know what they're doing.

By the way, bringing this back full circle. Rainmaker. Rainmaker came out in 1997. I'm not a grandpa for knowing that. Have you not seen the movie? Have you not seen the movie? I was going to say, when you said rain, I was going to say rain. I'll tell you what, You're a big reader.

You're a big reader. Dennis Hoffman. Dennis Hoffman? Dustin Hoffman. Shoot. No, no. It was Matt Damon and Danny DeVito. I just got, I just got, I got, people are like, unbelievable, Rachel.

Sorry. Bless her heart. Hey, you know what, though? Let me tell you this. I read. You're a reader. It's a John Grisham novel. So go get that. Fine.

You could go get it at the library because you like to save a buck or two and take that on the old uh summer vacation that's Sharon Ramsey that you're not a library nope I'm not Sharon your mother still checks out books at the library yes god bless her she is a treasure yes she's a treasure folks or she'll give me a book and it's a library in Minnesota. I'm like, where'd you get this, Mom? She's like, it was a used book off Amazon. God bless you, Mom.

God bless you. She's awesome. Well, thanks to everyone in the booth. Thank you, America, for listening. Ken, thank you for being a great co-host. You bet. And we'll be back.