The Ramsey Show - App - When Making Big Decisions, Listen to That Still Small Voice (Hour 1)

Episode Date: April 18, 2024

Live from the headquarters of Ramsey Solutions, it's the Ramsey Show, where we help people build wealth, do work that they love, and create actual amazing relationships. Jade Walsh, our Ramsey personality, is my co-host. Open phones at 888-825-5225 that's 888-825-5225 we're glad you guys are with us we're here to help you jade is a ramsey personality and best-selling author of the book money's not a math problem it's one of our ramsey quick reads which means it is 74 pages long is that right yeah

look at that pretty close that's pretty good 70 close it is 74 pages long look at that my memory is impeccable steel trap that's it that's it hey thanks for being with us guys we're glad we can serve you we want you to be here and gosh help you move to the next level and whatever you're doing all right rochelle is in houston te. Hi, Rochelle. Welcome to the Ramsey show. Hi. Hi, Dave. Hi, Jay. Thanks for taking my call. Sure. What's up? I just wanted to get Dave's input on a situation. So my husband and I, we have four kids. We're a blended family. I have a daughter, he has a son, and then we have two boys together. His father died and he inherited some land from him. It's family land. And so when we are talking about inheritance for our children, he wants, and understandably so,

the land to go to be split between the three boys because he wants to keep it in his bloodline. And so I am fine with that. But where we disagree is on how to do inheritance for my daughter. He thinks the land should be not even taken into consideration when we do inheritance. So monetary value, et cetera, shouldn't matter. And so what we're kind of looking at is actually selling our current home and then using the money that we make to move to that land and then build on it. Um, in which case we would live out the rest of our days there and put our money into it. And I think that that also should be taken into consideration, but he thinks that the boys should get the land split between them and then whatever else

inheritance we have left should be split equally between all four kids. And so I just kind of wanted your opinion on that. Wow. Does it occur to him how hurtful it is when he says that? I don't think so. If you said that's hurtful, you're a butt? I haven't said that. I try to talk very nicely to him.

I know, but that's what my wife would have said. I'm just thinking. And it's very sentimental to him. Yeah, yeah, yeah, yeah, yeah, yeah. And Cinderella has to go. The stepchild has to go and mop the floors while the three other ones go to the ball. I lost you. Are you there? Yeah there yeah you cut out i don't know what

happened that's okay sorry i mean like i said i don't mind them getting the land that's totally fine it's how much land is involved um it's only about 33 acres right now um it was his grandmother's land she sold it and then his dad bought back this portion and was and wanting inter-events surrounding it and so my husband wants to buy back the remainder as well if we can the what the remainder is how much on top of the 33 i don't know how much more there is that he would want to buy what is your what is your personal income and what is his income um we he makes about 65 and i make about 55 right now but we both increase pretty regularly how old are you guys uh 36 okay

all right um well i don't know that our opinion really matters here uh because bubba's made his mind up yeah um so i just kind of wanted to know you know no i i think that you know probably what you've got is a situation where you need to sit down with your pastor marriage counselor or somebody like that um i i just uh uh it is it is it is a thing to require some thought, but after just listening to you, so here's what I've got, okay? You make half the money in the house approximately. You guys are going to be married and living there probably 40 years, so more than three quarters of your life, his life, is going to be spent doing things together here um and um and including

your daughter um and so i'm just calling bs i i think that i think these four kids should be treated equally because your connection to it because you're wanting to he's wanting to you to use your income and help him buy a house on land he doesn't want to leave to your your daughter after 40 years how old is how old are the kids uh my daughter's 14 my stepson's 13 and then our twins are two. Yeah. Oh, what a wedge. Yeah. Yeah. And that's thing one. Thing two is people and relationships trump stuff. This kid is more important than this piece of land. And he's her daddy now. And she lives with y'all right yeah she does currently yes yeah

she you know his relationship to her is more important than 33 freaking acres in texas okay i just i i just don't um you know i i would give him about a 20% part of the right answer here and about 80% wrong, so he loses. I feel like a different scenario would be you guys were 55 years old. It was your second marriage, and the kids are grown. That feels different. Yeah, it's different. That's a completely different situation with saying hey but you're contributing you know the vast majority you're contributing half with the sale of the

house and the building of the house and your income for 40 years from age 35 to age 65 to age 75 right you're contributing half all the way through there and so how your daughter doesn't get into that half is ridiculous okay from a math standpoint from a philosophical or spiritual standpoint it's just a stupid piece of dirt i don't really care where it came from i mean i've got some dirt that i own that i really love and i'd like to see my kids and grandkids playing on it for my great grandkids my great great great grandkids when i'm looking at them from heaven i'd love to see them playing on that and enjoying that dirt but i don't want it to form their life and i don't want them to value that dirt over relationships yeah yes yes sir yeah i just i i i so i don't buy off on the sentimental crap you know if you i got uh um

you know some hand tools from my dad okay that's sentimental okay they're ancient antique hand tools right and so those are sentimental but uh but i'm certainly not going to let a wrench and a hammer stand between me and a kid that i'm raising i just you know that that's how i put this that's the bucket i put this in i agree i agree wholeheartedly so if the if the step kid wants the hammer it's okay that's fine you know give the other one the wrench it's just stuff yeah and i just i i don't want him so i gotta i gotta i don't think he's thinking this through i don't think he's a butt he's acting but but but uh it was kind of fun to say that but i kind of do yeah in this moment yeah i don't i don't think he's a hurtful person like sure you don't think that's what he's doing. Okay. He's not thought of it from all angles.

I just don't think he's thinking through the message he's sending to this teenage girl. And I don't like that message. This is the Ramsey show. Jade Walsh, all Ramsey personality, bestselling author is my co-host today. Brooklyn is with us in Indianapolis. Hi, Brooklyn. Welcome to the Ramsey Show. Hi. Thank you for taking my call.

Sure. What's up? So my situation, we are currently renting one of my parents' properties. We're getting a discount on the rent. I'm sorry. You're renting what? We're renting from my parents. We're getting a discount on rent. They own a rental house that you're renting what? We're renting from my parents. We're getting a discount on rent.

They own a rental house that you're living in? Yeah. Okay, and so you have cheap rent. Okay, cool. Yeah, and we have no debt. Our emergency fund is funded. My question is we also purchased a rental in November. We owe $65,000 on it. We could sell it for $80,000 or $90,000.

And we could possibly pay it off by July of next year. But we're also really itching to buy a few acres and build. So we just wanted your opinion on whether we should sell it, keep it, or what you think? What stops you from moving into it and it being your home instead of you renting and then renting another? That just feels backwards. I know. We thought about that, too, and yet that's our problem is we do think that we may have done it backwards. Yeah, I think so too.

It doesn't make sense to be in a renter's position and then buy a house for someone else to rent. I think you're trying to get ahead too quickly. Does that make sense? No, I agree. That's why once we sat down and we thought about it, we're like we probably shouldn't have done that. It's only 600 square feet and we have two kids. two kids so that would be really okay so it won't fit

you so sell it what happens if you sell it yeah sell it and use it towards your building project okay that's what we were leaning towards that we just wanted to um we do have like we were concerned about like the capital gains on it there's not gonna be how long have you owned it uh six months we bought it in november okay um and how much has it gone up in value since you bought it um we bought it at 70 and our i just talked to our realtor yesterday he said we could probably get anywhere from like 80 85 90 well your capital gains inside of one year won't be capital gains it'll be ordinary income so it'll be at your tax rate if you make ten thousand dollars it costs you twenty five hundred

dollars in taxes okay whoopee okay okay a small price to pay to get on the right side of this yeah it's not a big deal so it's not like it's not like capital gains taxes no i mean it's two it's two thousand bucks and it's not even two thousand bucks because it's actually after it's not like capital gains taxes no i mean it's it's two thousand bucks and it's not even two thousand bucks because it's actually after it's after all the fees and any improvements you've done to the property are added onto your basis and then any depreciation you've done uh if you depreciated it in this calendar year for taxes that comes off the basis so you've got what we call an adjusted basis and then the sale price minus expenses minus the adjusted basis is how you calculate the gain and in this case the gain

will be taxed because it's under one year at um at uh ordinary income rather than at capital gains and my guess is that your ordinary income is probably you know you may your tax rate might be 25 and capital gains is 15 so the difference is probably like uh three or four hundred dollars it's not a big deal now we could say if it was 30 or 40 thousand dollars difference between the 15 capital gains rate because it was a lot of money, okay, then we could say wait until the one-year mark to actually have the closing. That makes sense. Which makes you qualify for the 15% rather than the higher.

So like in my case, I'm taxed at about 40% and my capital gains rate is 20%. And so because I make over 400K. But still, that's the difference is 20%. And so, because I might make over 400K. So, but still, that's the difference of 20%. And 20% on $200,000 would cause me to wait to close it until the one-year mark. And so you would stop and think that through. But for a couple of hundred bucks here or there, or $2,000 total dollars total tax issue i'm not going to worry about it you just need to do the right thing and and brooklyn i think here's the thing i think you guys know now down inside of you before you called that that was the right thing to do you kind of told us oh yeah you kind

of telegraphed the answer right and i'm going to warn you and say you probably knew before you bought this oh that's good that's this is probably had that that moment where you paused and went is this really the right order and oh no we're gonna buy rental property and you just plowed right ahead listen to that still small voice listen to that that uh tightness in your chest and across the back of your shoulder blades that's telling you not to do something when you don't have peace about a major decision that's god telling you not to move forward and most of us can go you know i i knew i shouldn't but i did it anyway i mean i could tell you a thousand things i've done like that and you just gotta you gotta stop and listen to that and go, no, I know I'm not.

And even though there's all these other voices saying do it, do it, do it on TikTok, I'm still not going to do it. That's good. And, yeah, listen to that. Listen to that. It saves you a lot of money. Matthew is in Orlando, Florida. Hi, Matthew.

How are you? Hey, Dave. How are you today? Better than we deserve. How can we help? Hey, so my How are you today? Better than we deserve. How can we help? Hey, so my wife and I, we have a net worth together of $1.5 million. Phenomenal. And we have no debt.

Way to go. Yeah, that's great. And I have a business I own. I do car hauling here in Florida. And I'm looking to upgrade my truck and trailer. Both of what I have are pretty old. My question is, is it okay to mix our personal money and business money? I just started this two months ago and it's... I mean, you started this two months ago and you bought a junk truck? I bought a 20-year-old truck, but it's um i mean you started this two months ago when you bought a junk truck

i bought a 20 year old truck but it's i mean it's reliable it's just really old two months ago um yeah yep i mean why didn't you think about that when you before you bought the truck um it was kind of a uh i guess it was an emotional decision um when when i bought the truck what was the emotion um i guess it's more like a sentimental thing uh about it i wanted a truck with a manual transmission they don't make them these days at all um and i wanted a truck with a reliable engine um that was kind of like all this crazy emission stuff, so it doesn't have any of that sort of equipment on it.

And what, now you're realizing this doesn't work for you? So the nostalgia doesn't work in the real world. Well, it's not that the truck has any problems. It's just not able to. Okay, so here's the deal. Yes, you can do whatever you want. You've got a million and a half dollars. You can go buy another truck, okay?

There's a couple things from a business standpoint you need to think about. Anytime you're buying equipment for a business or buying things for a business, they are an expense, and they lower the return, the profit of the business. Agreed? Agreed, yes. the return the profit of the business agreed agreed yes and so what we teach entrepreneurs and small business people in entree leadership i'll be with 3 000 of them in dallas next week at our entree leadership summit what we teach them is to buy the least expensive equipment that will quote get the job done unquote now let's define get the job done get the job done involves a lay a layer of real of reliability get the job done means they literally have to

get the cars from one point to another in this case it has to be able to actually pull the trailer uh get the job done if you're going to be in the truck um uh five ten hours or five or eight hours a day for five days a week involves a level of comfort so you end up in the chiropractor's office okay um i'd also think it involves a level of time like how long can you use it and it's in working order yeah yeah i mean how much how much life has it got left in it so so then so then that tells you that in the early stages of a business you do not buy new equipment so you were wise to buy used equipment now have you proven the business model out are you making money i have managed to make money in my first two months somehow. Yes. Doesn't sound real convincing. Managed somehow are not words I like.

That's like barely by the skin of your teeth got through. So, you know, I'm going to keep the old truck till I get this business cooking. When it gets cooking, it justifies moving up

in the quality of vehicle, but even then, probably not a brand new one. And then the business can pay for it. Yeah, even organically out of the cash flows. She's right. Buy the truck.

That's what I would do. That's what I do. This is The Ramsey Show. Jade Walsh, all Ramsey personality, bestselling author, is my co-host today. Well, exciting news guys we relaunched or launched yesterday the live like no one else cruise yeah baby we're going on holland america we've got the whole ship one of the top brands out there this is not the walmart on the seas this is the good ship this is the good ship lollipop here i mean this the

holland america is the good stuff yeah the walmart brand we won't call them by name we won't name it but you know what it is okay and so anyway yeah hey this is a lot of fun we we we had booked this and our sale date was march 23rd 2020 hey yeah when the fauci pandemic shut down the seas nothing happened on the seas and so we had to cancel the uh the seas and we didn't get to go on the seas and so uh it was rather painful everyone got their money back thank god no one went broke doing all this thing but anyway so, so now all these years later, we are announcing today that on March 22nd through the 29th, 2025, about a year from now, we will sail to Turks and Caicos, St. Thomas, San Juan, the Bahamas. I'll be on the ship with my wife, Sharon, the whole week. Jade will be with us the whole week.

Of course, all of the Ramsey personalities, Dr. John Deloney, Ken Coleman, Rachel Cruz, George Camel, all of us will be there all week. We're going to be doing events on the ship. We'll be some of the entertaining. They'll have some of their little dancing people there, too. Oh, will they? The little dance, you know, you know about these Cruz dancing people. Doing the can-can, yeah. That's it.

They're doing more than that. They'll have their actual talent, but we're bringing our own, too. Man, we've got some friends coming with us. Stephen Curtis Chapman, three-time Grammy award-winning 69 Doves and an all-around good guy. Stephen and I have been friends for a long time. World-renowned Christian artist will be with us. Manit Chauhan from the Food Channel, Iron Chef winner. Fabulous chef. be with us uh manit shohan from the food channel iron chef winner uh fabulous chef again a friend locally here in the nashville area she owns a whole series of restaurants and has done events

with us before she'll be teaching you to cook there on the ship it's going to be a lot of fun dina carter remember strawberry wine strawberry wine there we go see i knew i knew i couldn't do that but i knew you can count on me so there we go dina's going to I couldn't do that, but I knew I could cue you. You can count on me, Dave. You can count on me. So there we go. Dina's going to be with us tons more. We've got some of the Nashville songwriters will be with us, comedians, illusionists, all kinds of people hanging out. It's going to be all of us and you.

Now, you do not come on the Live Like No One Else cruise unless you're on Baby Step 4 or beyond. Because one through three, you're getting out of debt, and you're on baby step four or beyond because one through three you're getting out of debt and you're not going on vacation and you're not eating out and you're gazelle intense cleaning up stuff so and we don't want you to come we're not hypocrites we want this is a celebration so you've become debt-free this is the ultimate debt-free scream in the caribbean baby awesome yeah and uh so here's the problem it's selling out it's only been on the market one day and it's selling out i mean it's the we melted the internet the poor the poor cruise people they're like uh you shut us down your people slammed our website so uh so it is not sold out

but the vip upgrades are sold out already and uh there's just a few of the suites left. So if you want a suite, you better jump on right this second and do it. RamseySolutions.com slash cruise. It's March 22nd through the 29th, 2025. We're going to celebrate together a lot of onboard special events with all of us hanging out with all of you. We're going to be on the ship together for seven days, man. It be a blast and our whole team is pumped about this um they're really excited they got me to do it again because after that Fauci pandemic thing I was just I was scarred and wounded I bet and didn't ever want to be near a cruise ever again but um anyway I'm doing it

and I'm excited about it and it's gonna be fun and uh here we go baby here we go we got quite a lineup there's some really i mean the famous people are coming it's pretty cool so get your tickets now get the reservations done now i know it's a year away but if you want i mean cabin selections like anything else they the better ones go first you want you want one with a window so don't wait yeah and you yeah and all the all that stuff you know and if you want a suite there's just a handful left again the vip upgrades are already gone so but the suite the suites are there that was some vip stuff we were doing on the boat but but and are going to do so i don't think you call them a boat sharon always says don't call it yeah you gotta call it a ship boats ships carry boats yeah boats

are what you ski behind okay there we go catch fish out of yeah that kind of stuff all right so anyway that's what we're doing go to ramsey solutions.com slash cruise uh seriously if you're baby step four and beyond this is your chance you know we teach you to live like no one else so that later you can live like no one else on the live like no one else so that later you can live like no one else. On the live like no one else cruise. Yeah. There you go. Laura is with us in Salt Lake City. Hi, Laura.

Welcome to the Ramsey Show. Hi. Thank you for having me. Sure. What's up? Well, my basic question is, is it worth it to move our family to a new state? They're basically a 13 000 annual race um there's more to it it kind of sounds like you don't want to already that was a big sign

is it worth it do i have to this is off that's what it sounds like. That's a good point. Where would you be moving to? So we're currently in Utah. We're going to be moving to Missouri, which is where I grew up. So I know the area, and I like the area. It's just we have four kids, and we're pretty settled where we are. What does settled mean? How long have you been there? Oh, five five years which is

actually a long time for us okay how old are the kiddos um the oldest one is 15 and the youngest is four okay what kind of work is it what what type of work are you chasing so he this is for my husband's work and he's an arborist. He works on trees. Got it. Where in Missouri? In Columbia. What made him look for a job? Because he's at basically the top of what he could earn here,

and the biggest reason we're looking in that area is because we could sell our home here and make $150,000 to $200,000 on it and we could buy a house cash over there or almost cash. And owning our home has always been like, not having a mortgage has always been one of our uh goals how old are you with our current um i'm well i'll be 40 this year and my husband just turned 40 so we're both 40 i don't know how it is at your house but when rachel cruz and denise whittemore were 15 the drama was unbelievable oh yes now my older two are boys and so i mean there's still drama there but well there's not as much but yeah that's true true i mean those two went to college

and we were left with our teenage son and we didn't even know he was there i mean that so i was just i was just thinking that maybe that was entering into your they don't want to leave and you're telegraphing what they want yeah yeah that's it but you nailed it okay well that's the way it would have been at my house i mean the kids are like everything you do they like i mean mark twain said when they turn 13 put them in a barrel and uh feed them through a hole and when they turn 15 plug up the hole i mean that's mark that's how mark twain said handle teenagers so um but this is all for 13 000 a year though no it's for getting their house paid off and going back towards where home is and the only thing

is the kids don't want to go that's true all the adults want to go the adults want to go the kids don't want to go am i wrong no you're right okay did you said um when we asked you before how long you've been there you said five years and you said well that's a long time for us have you guys been moving around a lot is that another part of this um we have moved a lot we've um so each of our kids have been born in a different state and we're not military so why just he's chasing work chasing yeah chasing jobs yeah okay kids' feelings got heard, and they had input, but they didn't have a vote. The adults make the decision. We love our kids. We want to know how they feel. We want to know what they think and hear them out, but at the end of the day, the adults have

to make the decision because the inmates don't run the asylum. So that's how we did stuff, and I think you guys are moving, Laura. Now, one thing you can commit to the kids and to each other is we're not moving again. You can say that. We're going to stay. We're making this move so that we don't move again. That's what I would do. This is the Ramsey Show. Jade Walsh, all Ramsey personality, is my co-host today.

David is in Manchester, New Hampshire. Hi, David. How are you? I have had better days. Okay. What's up? My wife passed away a few weeks ago. Oh, my.

Oh, gosh. I'm going to try and keep it together. I'm sorry. How old was she? She was just a few days shy of her 60th birthday. Oh, my. How long were you all married? 33 years.

Wow. What happened to her? Long story, lots of health issues. In the end, it was heart problems and cancer kind of combined. Wow. Sorry. Long road then. Long road. Yeah.

What was her name? Her name was Lynn. Lynn. Okay. I'm so sorry, David. Thank you, sir. Hard to breathe right now. How can, how can we help you, sir. Hard to breathe right now. How can we help you, sir? Well, I was a longtime listener, started listening in the late 90s,

and we taught FPU together. We got serious about working the baby steps in about 2006 when we moved up here from Texas. We were debt-free except for the house when she passed, and our net worth was just shy of a million. Good for you. Wow. And now when I look at those calculations, it just tastes like ash in my mouth. Why? Well, all those years of doing things the right way, and then I lose her just before we hit the finish line. Oh, I'm not, I shouldn't make big decisions right now and I'm not,

but I seem just so much more aware that tomorrow's not guaranteed and all the things we'd planned to do that now we won't be able to do together have me mourning not only my wife, my future. So my question is is how can I balance the desire to try and live my life fully and still be wise you know I spoke at a friend of mine's funeral with another with another friend of mine the other day. And the other guy speaking is a world-class communicator, and he said something that stuck with me. He said, when a baby is born or when we do a funeral, all of us stop and readjust our lives to the plumb line.

Those events are tuning forks and you tune to it right you know what i'm saying i said the exact same thing at her funeral the other day oh wow okay and that's that's exactly what you're doing that's what your question is about and that's not a bad question it's all it's a question we all ought to do but the the tragedy that you've gone through recently is just making you very aware of it we always have this pull between being wise and future oriented and living in the moment enjoying the moment enjoying the present enjoying why wouldn't i you know kind of thing and so um that's why when i turned 60 i went and jumped out of an airplane why wouldn't i you know uh and well

you might die yeah no i'm gonna die it might be of this it might not but i'm good you know and so i'm gonna go do i'm gonna live right um and uh so you know that that's the kind of thing you want to do now now did i jump out of an airplane without a parachute no no did i take the class and did i learn from the video all the things that could go wrong and and did i make sure all the equipment and the people involved were yeah so i was wise about living my life wide open does that i'm using that as a metaphor not as me being smart or something but it's a metaphor for the answer to your question i think is that is it communicating yeah i that makes a lot of sense and and that's what i'm trying to do it's just really you can't

breathe right now it was two weeks ago i've been married 43 years you've been married 33 let me just tell you if sharon dies before me i'm gonna be i i'm useless so i i can't even i can't even breathe thinking about it and you're actually living it so i mean give yourself a chance to just catch your breath and cry a little yeah right now everything is in extremes you just face the extreme amount of grief and now in your mind the idea of living life to the fullest is all the way on another extreme and i think over time it'll balance out but you're not a guy who's going to live life to the fullest celebrate the moment live in the moment to a level of immaturity and burn through a million dollars in four months. You're not that guy.

No. You don't have that capacity. It's just not who you are. So you're going to be wise. But you're right. You're going to treasure every cup of coffee, every sunrise, every sunset. You're going to treasure every puppy that you buy. You're going to treasure every cup of coffee, every sunrise, every sunset. You're going to treasure every puppy that you buy. You're going to treasure everything now.

I mean, you know, everything's a little brighter. Everything's a little darker. And I completely understand that and embrace that. And then a year from now when you're doing that thing that you all wanted to do together, just remember you're really doing it together. Yeah. Yeah. That makes sense.

Yeah. I'm so sorry. It's hard to – you can't think your way through where you are. You have to live your way through where you are. It's just, it's hard. I'm sorry. But the only thing I can promise you is that you will be thinking clearer and these answers will be readily available to you six months from now

that they're not now. And it's not that it hurts less. It's just that you've learned how to walk your way through it, and it's part of the process of grieving. And you got good people around you, David? I do. I've got a great church, and I've got an amazing group of men that have come around me. Oh, that's so vital.

That's so vital. Such a blessing, yes. And, yeah, Dr. John Deloney always says this, and I had never heard it before he came on with us and started talking. He said, grief demands a witness, and that's from one of the researchers and writers that he's familiar with. He's quoting, I can't remember who the guy was, so I'm quoting Deloney instead, but I think that's true.

Grief is not something to be done alone. And so we're honored that you would share yours with us today. Well, thank you, sir. I appreciate your wisdom and your insight. I'm so sorry, David. I'm sorry um yeah so and and um you're in my age group and uh so i've got people in my situation in your situation in my uh all around me in my friend group and so forth and the only thing i will will warn you is that you've done very well financially.

And so you're prime picking. You need to just be aware that the sharks are going to circle, buddy. They're going to come at you. It's the weirdest thing. You're talking about the cougars? How attractive the 60-year-old man becomes. Interesting. Oh, wow.

Oh, man. It happens. It happens to ladies as well. This must be a real thing for you to. Yeah, it's a real thing, believe me. And so especially when you've done well like he has financially. So you're not even thinking about that now, and that's why I'm saying it, because you're not thinking about it.

So you need to just be aware and keep your shields up, brother, for a while. Yeah, wow. That's tough. So there's not – listen, so here's your options, okay? Spend everything you make and be broke and live completely in the moment like a child and then if something like this happens with your spouse uh you've lived every moment but you've also lived stress and anxiety the entire time yeah so uh it's easy to take a story like that and say well that's a reason to not save for the future that's a reason to

not think about there because you don't ever know if you're actually going to get to live it live out those hd high definition dreams that you laid up put on the whiteboard with your spouse yeah you don't know if you're going to get to live them out but if you don't plan to live them out then you leave every year in between there in angst. That's true. And so it's, you know, he did the best thing he could have done, even though it didn't turn out the way he planned. That's right.

And he's right. He's having to grieve the future or lean into a new future now. Wow. That he didn't visualize before. I'm sorry, David. Love you, man. Thank you for calling in. If you need some help, you call us anytime.

This is The Ramsey Show. Take care.