The Ramsey Show - App - You Don't Deserve That New Car if You Can't Afford It!

Episode Date: May 30, 2022

Dave Ramsey and Dr. John Delony discuss: Going on a family trip while paying off debt, Dealing with a grandparent’s messy estate, Navigating a lawsuit involving an ex-spouse’s car repo. Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Live from the headquarters of Ramsey Solutions, it's the Ramsey Show, where debt is dumb, cash is king, and the paid-off home mortgage has taken the place of the BMW as the status symbol of choice. I'm Dave Ramsey, your host, Dr. John Deloney. Ramsey Personality is my co-host today. We talk about your mental wellness. We talk about your relationships, your job, your career, your money, and your life. The phone number is 888-825-5225. Deanna is with us in Knoxville to start this hour off. Hi, Deanna. How are you? I'm doing all right. I'm tickled to be on the show with you guys well we're honored to have you how can we help so my husband and i have been handed a

pickle um he's been he's being sued for a debt that he co-signed with his now ex-wife and she was supposed to refinance it as part of their divorce she never did now they're coming to him for it um we understand legally there's there's not a lot we can do i mean he did sign for it um but we were wondering if there was there was anything negotiating just anything that we don't have to pay the full the full debt what what is this on um it was if i understand everything correctly it was a car that was repoed oh that's wonderful how long ago was the car oh i know it's great um i think probably six years back we've been married for three and it was at least a couple years before then if i understand it the repo was while they were still married yes okay so they they owned a car together and their car got repoed

okay yeah he he co-signed a car for her no he didn't co-sign it's his wife they bought a car together well okay he just bought a car in his car right yeah and his car got repoed it happened to be the one she drove but he got repoed while he was married before and now and the repo was six years ago if i understand the timeline i it's kind of blurry to me obviously this was all before we got together and got married um did he just hope this was going to go away and it was something that he was supposed to take care of in the divorce so it was and of course she up and disappeared last we heard she's somewhere in nebraska running from her debt so it's working and so um yeah so watch out nebraska look out nebraska here she comes the uh okay so did you actually get served lawsuit papers

and it was sent to um his old house that we had sold to his daughter. His daughter let us know what was going on. What is it? A letter? Yeah, from the sheriff, I'm assuming it is. I'm not assuming anything. That's what I'm trying to figure out. Do you have the paper in front of you?

I don't. He has pictures of it on his phone it was it wasn't sent to us we live in tennessee he's from indiana so this is all over the country right now okay all right yeah so let's just stop a second okay number one i doubt you've actually been sued he he might have gotten a notice saying they were going to send something to the sheriff, but if they were going to sue him from a six-year-old repossession deficit, they would have done it a long time ago. It's very unusual to get sued on a six-year-old.

Okay, well, it's possible they did. It's possible someone sold this debt, okay? So either way, here's what's going to go down. Okay? You get in touch with the holder of the debt. One of two things has happened. Either it is the original holder of the debt or they have sold the bad debt to a bad debt buyer. There are people, there are companies that buy old bad debt and then try to collect on it,

and they usually pay around a nickel on the dollar for it. Do you have any idea how much money they're asking for? The paperwork that was sent initially said eight grand. When he called them yesterday, they said 12 on the phone. And I said, oh, hell no no we're not doing we're not doing any we're not doing any of this okay right so here and here because here's the thing let's just say it's ten thousand dollars they probably paid five hundred dollars for this debt if they bought it okay that's what they got in it so anything they get above 500 is a profit for them okay right now the uh

it's very difficult to collect a debt across state lines okay for them to execute service on you in tennessee and actually start getting money from you using a lawsuit to do that is is it's very expensive for them so they're not going to do it the probability is very high they're not going to do it so this is all about posturing and bully in the schoolyard tactics not about legal realities okay so they either paid around five hundred dollars for this debt or they're the original holder and just put put those shoes on for a second it's been six years if someone owed you money for six years anything you could get out of them you would call yourself having one right right all of this translates to you can settle

this for around 20 cents on the dollar it's going to cost you two grand okay i can breathe with that yeah and so call them and offer them 1743 dollars as settlement in full and tell them that's your calculation as to what his part actually is after all these years and that's what we're able to do any more than that and we're we don't want to talk to you, go ahead and sue and do whatever it is you want to do because we're not going to pay it. Okay, and with all of that, between the two of us, he's a lot more easygoing about it. I'm more of the bulldog.

They won't talk to you. You're not on the debt. That's what I want to make sure. He's going to have to wear big boy pants. So you're going to have to, have to pull his hair or twist his ear or something and get him a little riled up before he calls him. I can do that. I can do that.

And Deanna, I want to challenge something from this point forward, okay? Yeah. The world did not hand y'all a pickle. You spoke as though this hailstorm sat over over your house this is your husband signed up for this and we understand that okay so yeah this is y'all's moving forward yeah okay so let's change this change the tone this is mr easygoing didn't take care of business yeah well this was before he knew better we went yeah i don't know better ways so i can't be mad at him yes you can't clean up yes you can i'm mad at him but we have a mess together i'm kidding i'm not mad at him i'm mad at the

situation there you go okay that's good so yeah so get him riled up and here's the thing okay start at 1743 you're going to settle somewhere a little over two thousand dollars give or take they will take that it's going to take go ahead and count them uh between five and ten arguments they're not conversations they're arguments okay because you're dealing with an idiot in a cubicle 500 miles away who has a really horrible job cleaning septic tanks is better than collecting on old debt that's fair okay he he's he really talks nasty to people all day long and then has to go home and kiss his children with that same mouth it's awful and so that's the guy you're talking to and so you have to argue with this guy five to ten different times and it will land between 1743 start with that number and it'll land above 20002,000. Get it in writing before you send

the money. In writing, in writing, in writing, or don't give them any money that they accept that as settlement in full and then do not give them electronic access to your checking account. Send them a prepaid debit card or a wire. Do not give them electronic

access to the checking account and get it in writing. Five to ten conversations. This is an argument. Go. People all over the country are discovering a faith-based and budget-friendly way of meeting health care costs through Christian Health Care Ministries. Christian Health Care Ministries, or CHM, is a nonprofit organization that helps members carry one another's burdens with health care expenses. And they have successfully shared each other's medical bills for nearly 40 years.

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It's been working for a very long time for millions of people. Tuning into this show right now is somewhere between 20 and 25 million people, probably closer to 25 million. By the time this thing goes out in all of its various forms, podcasts, YouTube, radio, all that. And so it's not really a big secret anymore, but do spread the word, and we would really appreciate it. We would be honored if you would tell people about our show

and about the Dr. John Deloney Show and about the Ken Coleman Show and about the rachel cruz show and so on around here uh so hang out with us but also tell folks and uh if there's parts of it you don't like or you don't want to you hate us then don't listen and don't please don't tell anybody anthony's in san anton Hey, Anthony, what's up? Hey, Dave. Hey, John. Pleasure to speak to you both. You too.

So quick background here. I'm on baby step number two. Me and my wife are. Our household income is about $90K. Since January, when, bless the Lord, has given us good jobs, we've been able to pay about a third of our debt. So we've got about $24K paid off already. We've been able to pay about a third of our debt. So we've got about 24 K paid off already. We've got about 40 remaining years ago before we realized how bad we were with money. Uh, we did have a conversation with my little sister about going to Las Vegas for her 21st

birthday. Our hearts have changed completely. We're obviously trying to get out of debt. And my whole family's going to Vegas. We did the math. We're really leaning towards not going, but at the same time, it's her 21st. She's only, and it's probably going to be her last 21st birthday or last birthday ever before she gets married. She's in a very serious relationship with a delightful young man, but we just don't know what to do. We did the math. It'll probably set us back maybe a month,

not even a month, if we paid for this trip. Obviously, we're done with credit cards. We're done with all that, so we're going to cash flow it if we go, but we're really leaning towards not going. What's it cost to go? Probably about $ hundred dollars um and everything if if we drive with gas prices i did the math for that as well it maybe save us like

30 or 50 bucks at the most we drive uh to get a tacoma um i'm not sure it would it seems like with the gas prices we're're spending $75 every time. I don't think you want to go not because of money. What's the other reason you don't want to go? I want to go, but I also, it seems like a lot. With how dedicated we've been to paying off debt, it seems like a lot of money to drop to go do something that my wife and I

aren't even really that pleasure. I don't know. You don't want to go. You don't want to go. Part of it, but it's also my little sister's birthday and my whole family's going. I feel a little bad. How long are they going to be there? If my wife and I go, we're only going for a night.

They're going to be there for like Thursday through Sunday, through Monday. 900 bucks for a night? Well, we would have to probably get a hotel on the way out there as well, just because, and on the way back if we drive, because plane tickets are absurd right now. So we would have to book a hotel on the drive out there, book a hotel on the drive back, and then one hotel night in Vegas. I think that you want to want to go. I think you love the idea of celebrating your sister.

I don't think you want to go to Vegas. Whenever I don't want to do something, I inflate how much it's going to cost by one and a half or two times. I'm like, that's going to cost $1,000, probably $500, maybe $600. When I do want to do something really big, like I need this new thing, it's like, ah, it's probably like $100, and it's way more than that. Right. Something tells me you don't want to go. You want to celebrate your sister, but you don't want to do the trip.

I guess that's partly true. I mean, me and my wife kind of talked about even if we went to go, we would probably not go to the clubs and do things like that that they would want to do because, obviously, we're in debt. And to be completely honest with you, that's not our scene. We would love to go and see the shows and things like that, but the clubs and all that and drinking, I mean, that's not something my wife and I really partake in.

Yeah. So in that sense, John's right. The only part of this that you want to do is celebrate your sister. You don't want to do anything that they're doing, and you don't want to go other than just you do want to celebrate her and that that's because you're a good guy i mean that you should you should want to do that that's a good thing so dave you tell me on the on the comes to baby steps when it comes to a milestone like this i wouldn't have a problem it's going to set you back 25 days on your journey if you pay cash and

go and do your thing. That didn't bother me. It also doesn't bother me if you have your set of values and say, hey, we're not going to do this thing. I hate it when somebody gets boxed into an either or. I just don't like, is there a way to do something different? But it doesn't sound like there is here. I don't know what to tell you to do this different. Yeah.

Yeah. Yeah, and it sounds like also the rest of the family is going to be like, the weirdos are back at home, you know? Yeah, yeah, that too. And I know in my parents, I know that if I say, hey, me and Claire aren't going, that's my last name, but we're not going due to we are doing this Dave Ramsey thing, we're trying to get out of debt. Don't blame it on me. Yeah, this is a you choice, brother.

This one's on you. No, my parents, they'll just offer to pay for it. I know, and I don't want that either. Anthony, here's the thing. If I'm you, I would go. That's me. Okay. And Dave, you may say differently.

I would probably go, and like you, I don't go to the clubs. I'm just not, that's just not my thing. I wouldn't do that and i i'm a nerd i go to bed early and um but we go and celebrate and have the dinner and say it's great and then we'd head out early um five nights in vegas or that's that's a lot yeah um the other side of it is don't blame anybody if you decide to not go because of your values say we don't really we're not really interested in going to there we'll celebrate when she gets back uh we'll have everybody over for dinner you know we're in the middle of this thing and we're getting out of debt and right now we just can't do it i'm we're just sorry and it's okay to say either one and it's okay to cheap out on a couple

of other things and get the 900 down to 500 um you know with your hotel choice or whatever else. And it's also okay if your parents want to pay for it, if you want to go. That's okay. There's nothing wrong with that at all. I'm thinking of a parent. If one of my kids was working on something and they're saying, hey, we don't want to go because we want to hit this goal, I'm like, well, if you would like to go, we really want to have you. We're not going to guilt you, and I'll cover it for you if you want to come

because we really want you there that bad and um that wouldn't bother me as a parent a little bit yeah and so and i and i would hope my child could could accept that uh but if if that you know but if they say no we just don't then i gotta i gotta respect their boundaries and go no they don't want to come okay so that's okay and and so i mean I've been in lots of situations like this over the years with family. I remember Sharon's family kept, you know, we kept having more and more and more and more grandkids on that side. And so buying gifts for every stinking person got to be the federal deficit. And the year we went broke, I just rolled into Sharon's parents' house. And Sharon wasn't even happy with me.

But I'm like, hey, we can't do this. We don't have any money. We can draw names. We'll buy for kids that are under five, and we're drawing names for the rest of you goobs. And one of the other sisters goes, well, finally, somebody said it. Let's do it. That's right. But everybody's all worried that Dave was about to break the thing.

The family tradition was about, oh, it's all going to go down in flames because of Dave. But it turned out okay. And now they've drawn names for 20, 30 years now, you know. So this is The Ramsey Show. We'll be right back. In the lobby of Ramsey Solutions on the Debt Free Stage, it's back-to-back Debt Free Screams. Landon and Samantha are with us. Where do you guys live? Clarksville, Tennessee.

Clarksville, just up the road. Yes, sir. What do you all do for a living? I'm a dental hygienist. And I own my own business. Cool. Doing what? Lawn care. Good for you. Weed control. Excellent. Excellent. What do you all do for a living? I'm a dental hygienist. And I own my own business. Cool. Doing what? Lawn care.

Good for you. Weed control. Excellent. Excellent. What kind of debt? How much debt did you pay off? 401,000. 401?

How long did this take? Three years. 401,000? Yes, sir. In three years. And your range of income during that time? 54,000 to 184,000. Well, there's a nice jump yes sir

you you've been pulling a lot of weeds hopefully not somebody asked she's been pulling a lot of teeth man well something's going on here all right well done guys what kind of debt was the 401,000 35 student loans and the rest is the house you paid off your house yes sir couple of weird people i love it what's this house worth about 500,000 wow good for you well done guys how old are you guys i'm 31 i'm 29 and you have paid for house did you ever think he probably did all right tell us the story how did this happen in the last three years well we got married and i've never been in debt besides mortgages and um i had a rental house too and it was two hours away and i started getting nervous as far as it taking care of.

And once we got married, I said, let's pay off the student loan. And then I didn't think we were going to be able to get the house paid off that quick, but God blessed us with my business. I was not on board. Why not? My parents, I mean, we just lived life and were able to go and do and they didn't care whether we had paid off stuff or not so all right so how did you get on board what happened i got stuck on i-65 for eight hours and listened to your podcast

snowstorm or he just pulled over the side of the road no we were going to the beach oh driving to the beach okay we weren't stuck or drunk you were stuck in the car with me i got it okay i'm catching on now oh my gosh and at the end of that at the end of that beach trip you're like okay we'll do it we'll do it i roll i. We'll do it. Well, there was no argument I had. I roll, I roll. We'll do it. Okay. So did you sell the rental? Yes, sir. What did it bring? $185,000.

Okay, so that was almost half of this. Well, I owed $100,000. Oh, I apologize. I profited around $70,000. So it was a fourth of this then. Yes, sir. Okay. Was the $400,000 all your mortgage, or did that include that mortgage you paid off with

the sale of the rental? They included all of it. Oh, okay. All right. So it was $ $400,000 all your mortgage, or did that include that mortgage you paid off with the sale of the rental? They included all of it. Oh, okay. All right. So it was $185,000. $185,000 moved to your mortgage, and $100,000 got rid of. So it's $185,000 of the $400,000 with that one move. Yes, sir.

Yeah, very good. Good. Awesome. Good. But still $200,000 now, or $250,000 roughly in three years. That's pretty stinking amazing. Well done. Well done. Well done.

I love it. I love it. So what was your best disagreement y'all had? Going out to eat. I bet y'all had some juicies. I like to go out to eat. Yeah, that's probably the worst argument. I was like, no.

Rice and beans. Ramen. That's what I chose. I never ate lunch in high school just to save my money. You've been a tightwad your whole life. So rice and beans. Ramen. That's what I chose. I never ate lunch in high school just to save my money. You've been a tightwad your whole life. Okay. He still has clothes from middle school.

So it sounds like cosmically y'all both need each other, right? Yes. We're very opposite, but needed. I love it. And then we have a baby dude in May. Woo! All right. I love it. Oh have a baby dude in may oh yeah you're old at home i love it oh very good congratulations thank you what do you tell people the key to getting out of debt is samantha oh don't go well when people ask you to go out to eat just don't go make sure you bring your lunch

or your husband will track your location and be like, what are you doing? Sure looks like you're hanging out in front of a Chipotle. Probably Mexican. How come you're still speaking Spanish? I mean, I don't know. What do you think, Landon? What do you think? Just getting over yourself, really.

You don't deserve that new car if you can't afford it. And just don't worry about what you look like. I could care less if people think I'm broke. I know what my bank looks like, and I don't have to have so much stress, and my family's taken care of. How does it feel to be completely debt-free, Samantha? Weird. Was it worth it? Oh, yeah.

Definitely. Yeah. So you'd do worth it? Oh, yeah. Definitely. Yeah. So you'd do it again? I would. I was a little pushed back. Even with the restaurants, but I'd do it again. Yeah. All right.

What do you think, Landon? What's it like being in a house that you don't owe anybody anything? It's nice. Running a business, you know, you sometimes have to do things you wouldn't do, and now I can kind of not have to have so much stress. We're taken care of no matter what. Yeah. Beautiful.

The interesting thing is that you don't have to take clients that give you more trouble than they're worth. Absolutely. There's a lot of those. And the net is you end up making more. Exactly. It's strange. With a little bit of that desperation gone, your business runs a little smoother.

It's on a little better rhythm from strength rather than from desperation, and it just becomes more profitable. It almost always happens that way. Well done, you guys. I'm very proud of y'all. Y'all are neat. You're fun. Thank you.

Very fun. You did a great job. We've got a copy of Baby Steps Millionaires for you. I bet you're already there. Are you, Landon? Almost. I'll be there before 35. Okay. All right. He's got it figured out he does have it it's gonna be a 35 year old baby steps millionaire not if she can restaurant her way she may maybe 36 we're going

to eat after this that's right i've already picked out a nashville restaurant i'm just saying oh i love it way to go you guys also a copy a copy of Total Money Makeover for you to give away and bless somebody and stir up a ruckus in their life. And very, very, very cool. Very well done. All right, Landon and Samantha, Clarksville, Tennessee, $401,000 paid off in three years. House and everything, $29,000 and a little bit more. I love it. I love it.

I love it. $54,000 to $184,000 income. Count it down. Let's hear a debt-free scream. Three, two, one. I'm debt-free. Yeah. You best me.

That'll do. That'll do. I love it. That may have been the greatest debt-free scream that fit the couple the best. Yeah, that fit the couple the best. That's exactly right. I like it. Well, it's, you know, she's fun because she's authentic.

Yeah, yeah. And giving the eye roll. Yeah, yeah. Yeah. I don't know. I was stuck on 65 with Dave Ramsey in the car. I can't get out. And yet here we are, $400,000 at 30 years old and zero debt.

Zero. House or anything. That's pretty stinking powerful. That's a lot of fun. Wow. Very. 400. That's $1.6 million paid off in the last two Deft Free Screams.

That's true. That's a lot of freedom. That's true. Almost 1.7, yeah. Wow. Hey, can we poke on something real quick yep they mentioned in the last debt-free scream and i know it's the same here too because they don't owe anybody any money they don't owe anybody money they're able to take care of the people that work for them in a different way which then ends up blessing their families and it makes their kids go to school with a little bit less stress and helps that teacher out.

So if you will, in your home, we get so concerned with all the national, if you will fix your home, the derivative piece that you pass along is incalculable. You can follow the math on it. It really does happen. It's amazing. It's actually powerful. I mean, how can I be a blessing to a teacher? Well, send a kid that's not stressed out to school.

Why are they not stressed out? Because my household is being run on a system, and we're debt-free, and mom and dad are in agreement, and we're hitting cheap goals. We're not yelling at each other. We're not yelling at the kids. You know, we're not out of control. You know, there's mental health all over this, man. Mental wellness all over this. Oh, and by the way, the team becomes the best place to work.

Because it is the best place to work. Hello? People want to do business with you because you tell the truth and you show up and you do good work. So you make more money. Because I don't have to put up with your crap if you're one of those other people. I don't have tolerance for you anymore. I keep that out of my life. You bring bring drama i don't want drama and crazy i keep drawing i lock the door that drama and crazy use i don't want to mute coming in here

changes the whole deal this is the ramsey show Thank you. Dr. John Deloney Ramsey Personality is my co-host today. Thank you for joining us, America. This is common sense for your life, for your mental wellness, for your money, for your relationships. It all runs together with your job, your career. It all is intermingled. Daniel is in New York. Hi, Daniel. Welcome to the Ramsey Show.

Hi, guys. Thanks for taking my call. Sure. What's up? I'd like to say congrats to the last people that were debt-free, too. Yeah. That's great. Thank you.

I've got a fun question. I've got my mold compass kind of going crazy. Yes. My wife and I are on step two, and my grandparents have recently passed away. I'm sorry. They had a will made back, thank you very much. They had a will made in the 80s, and then they had it updated after my mother passed away and I had an aunt pass away. So they had five kids.

Um, and the second will is not valid. So they're reverting to the original will, which had all five kids in the will, but now two of the, two of the children are gone. I have two brothers. So the three of us brothers would be entitled to one of the five shares. Basically it'd be a state. Correct. My, So the three of us brothers would be entitled to one of the five shares, basically, of the estate.

Correct. My moral compass question comes into the second will they had made that's not valid. There was an issue with witnesses or whatever. But that will stated that the estate goes to the three remaining children. So they would have cut you out. Right, right. Why? I wouldn't have been part of that.

Why? Well, it wasn't, well, they weren't trying to cut out the grandkids. What they were trying to do is while they were living, well, they, you know, they did, but there was, there's a lot more grandkids involved, and they think they were trying to remove preferential treatment. They weren't cutting you out. They were cutting out the two children.

No, they cut out his mom's share and gave it to her brothers and sisters. It went from a five-share to a three-share, right? Right. In the will that didn't happen. But, I mean, we're trying to find out what grandma and grandpa were thinking because that's where your moral compass is spinning from right correct correct so what's your question so i mean i could renounce this like you know i could renounce my share and kind of follow their wishes and basically give my share to the other aunts and uncles. But do I do that, or do I just keep it and throw it toward, you know, looking on my debt?

I don't know why you have an obligation to renounce this. You didn't cause any of this. So your morals are not in question. You're just on the receiving end of a screwed up mess right if the people involved or the actions uh were uh if they were doing something and you didn't want the money because of what they were doing, like they were engaged in, I don't know, they were engaged in something that you thought was immoral and they made money from that and you didn't want that money. That would be a reason for you to renounce it. But this is just a screwed up legal entanglement and it's kind of all been settled, it sounds like. We're a long ways from that where we i've got to sign some paperwork to do some probate things and some other lawyer forms and it's going to be have you're many months away do you have family

members who are calling you out who are challenging you no no this. So my aunt is the executor of the estate, and I trust her 100% with my life and everything else. She's just letting us know what's going on. So myself and my two brothers have to sign some paperwork because my mom is one of the kids that passed away. So we have to sign paperwork for the Warriors to say, yes, we're the descendants. I do not see a moral dilemma. Okay. And the second part of that is I also am still confused as to what in the flip your grandparents were trying to pull off

with the second will. It's not it's not logical it doesn't make sense it sounds like they didn't think it through very well because basically they were going to give your aunts and uncles all the money and cut out their two children that had the heirs of the two children that had died and that's not logical unless somebody did something wrong and they wanted to cut them out but the effect of that second will that was that was determined to be invalid was that you were cut out your mom was cut out your mom's share was cut out right yeah maybe it's god working his way back in yeah i just it doesn't make sense i think they just screwed up not only did they screw up on the

i really think your grandparents didn't even realize what they were doing probably is what it sounds like to me because i mean unless there's somebody your aunt says you know well you know there's no logic flow to this you know unless some unless you were trying to carve out a particular branch because of misbehavior. Or they just didn't want the money for the grandkids. They just wanted it for kids, and I'm just going to give my... Yeah, but that cuts out their dead children's... Grandkids.

Yeah. Yeah, yeah. Kids. That's just not logical. Yeah. It doesn't make sense. But it's okay. You can do whatever you want to do with your money.

You're allowed to. And it's just, I think your grandparents were dizzy. And that's part of what made the will invalid was that they didn't even follow through on that part, right? Because here's the thing. If they'd sat down with an attorney, an attorney would have said, what are you doing? Just making sure you understand this is what you're doing. And then it would have been properly notarized and properly witnessed. Instead, they just bought this thing over at home they bought the will kit at home depot or something

and you know and then did the thing instead of doing a proper will with you know that's why with mama bear legal forms we tell you to go there you get a state specific will and each state has unique laws some somewhat unique laws potentially and witnesses are very different in some states. Some states don't require a witness. Some states require four. Some require one. Some require notarization. Some don't. And so you need those exact steps in the

state that you reside in when you die. And that's why we use your mama bear legal forms. So you get the thorough, and the will is actually valid then. So in your case, Daniel, I appreciate that you're open-handed with this and you're compassionate towards your uncles and aunts and you're noble enough to want your grandparents' wishes to go forward.

But I'm personally a little bit confused about your grandparents' wishes. I don't know what they were trying to accomplish, and I kind of think they're dizzy. I think they were dizzy. And so I'm not worrying about this i'm signing the papers let's just go forward i'm not gonna be mad about it if it doesn't work out but as long as it just keeps going this way i'm gonna go this way and let it unfold and it just is what it is so hey thanks for the call that's an interesting discussion john it is so important for every adult to have a will a valid will i can't i just can't think of a more childish way to be a grown-up than to not have a will and yet 78 of the people listening to us don't have a will there is zero correlation that if you fill out a will it means you're going

to die soon there's a hundred percent correlation that if you fill out a will, it means you're going to die soon. There's a 100% correlation that if you fill out a will, you care about your family and your estate. Even if you don't think you have much of an estate, not dragging your poor family through the court systems and through the weird cousin

that comes out of the woods and all the stuff. Man, Jesse. And I did it. I don't want to push something that I don't use. I got mama bear will and did mine families. And it's quick, and it's not painful.

It is painful because you're discussing your death. It's awkward and weird. My dad's a homicide detective, but that ship sailed to my house. But for most people, it is awkward and weird. Right. I mean, we have the Ramsey estate meeting once a year, and we tell everybody in the leadership team, we should, because it's like a Monty Python meeting. I'm feeling much better. It's just a flesh wound.

But, yeah, it's like we discuss Dave's death thoroughly for a couple of hours once a year. You've got to do it. With me there. You've got to do it. You've got to do it. It's awkward. It's weird. But, yeah, so what's going to happen if he dies this year?

I'm here. I'm here. Don't talk about me in the third person. Yeah. But, yeah, it's just the whole thing. But you've got to do it, guys. It's diligence. It's saying, I love you.

Having life insurance to take care of your wife, your kids, your husband, your kids, your dog, your whatever. I love you. Having life insurance is vital. Having a will that's valid. And that everyone knows where it is. And that everyone knows where it is. That your family knows where it is. Ah, geez.

This is The Ramsey Show. Hey, it's John Deloney, co-host of The Ramsey Show. Did you know over 18 million people listen to The Ramsey Show every week? A lot of those people listen on one of our 600-plus radio stations across the country. To find a station near you, go to RamseySolutions.com slash show.