The Ramsey Show - App - You Don’t Have a Mother-in-Law Problem, You Have a Husband Problem! (Hour 3)

Episode Date: October 16, 2023

Девочка-пай 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. George Campbell, Ramsey personality, is my co-host today. He is also the co-host of Smart Money Happy Hour with Rachel Cruz on the Ramsey Networks and the George Camel YouTube show, Camel with a K. Be sure you check it out. Don't miss him.

It's pretty informative stuff. Phone number here to talk about your life and your money is 888-825-5225. Christina is in Austin, Texas. Hi, Christina. How are you? Doing good. How are you, Dave? Better than we deserve.

What's up? That's good. Thanks for taking our call. So a little bit of background on us. My husband and I were 26 and 28 years old, And I have met life settlement that I've been receiving since I'm 21. And my husband has disability with the VA. And so outside of our jobs, we're bringing in income. So altogether, really, in a year, we probably bring in about 90,000. But lately, we have been having a lot of debt, um, from student loans to credit cards

to car payments. Um, and I feel like the money that we're getting to utilize for other things, it's just going right to debt. Um, and so we've been talking around the idea of possibly selling our home, um, and paying off our debt with the equity we've built up over these last few years. Um, but my husband, he doesn't think it's a good idea. He's scared to do that. And so I don't know.

We've just been talking around the idea, and we just wanted to get your input on that because this MetLife settlement, I won't have it forever. And so I would love to invest that into other things instead of debt. But I wanted to hear from you what your thoughts were. Well, you're not quite ready to invest. We've got to clean up this mess. And selling a home is a big deal. And it's generally kind of a last ditch thing if we have to to get out of this. But I'm not sure you guys are there yet making 90K. How much consumer debt do you have?

So we have about 110, maybe 105. How much of that is cars? About 60,000. That's a lot of car. It is. And I've actually been telling my husband for him to get rid of his truck. I'd rather you get rid of the truck before the house. Yeah, but he doesn't think that we'll get back enough to pay off the truck. But I think he should give it a try to see how much we'll get from it,

but we've been getting offers of like $24,000, and we owe and we owe about 45 on it still um i wouldn't look at offers i mean you sell a private party and you're going to get way more than offers from dealerships okay um yeah and so we have we have too many vehicles um and then school loans is another 40 000 um000, and then credit cards is probably about $5,000 to $7,000. You make enough to get out of student loan debt and get out of the credit card debt if you didn't have the car payments. But your car choices are what have sunk you, not your house. Okay. Sell the truck.

Let me get rid of the cars. Sell the truck. Okay. What are the payments on those cars? So I have my car is $376, and then his truck is about $752 every month. So you'd free up $1,100 just by getting rid of these cars. Wouldn't that change your life? Yes, it would. Could you pay off some debt with an extra $1,100? Yeah, we could. And right now we've been throwing $1,000 to debt every month, but it just gets me angry every month that we're throwing it to debt, you know.

Yeah, you asked about selling the home. George is right. Not before we sell both cars and we work a hard plan with driving a couple of hoopties, working extra jobs. Okay. What's the nature of the MetLife settlement? What's that from? So it's from a car accident that I had with my family when I was younger.

I was about four years old. My brother died from it. And so my parents were gracious enough to separate the money for us once we hit 21. And so at 21, we received $50,000, which I paid another portion of student loans at the time because I had gone to a private institution. And so that went to student debt, but then I still had the $40,000 pending. And when does it come? When does what, I'm sorry?

When does the $40,000 come? The $40,000 40 like the school loans that's what i know right now 40 000 worth of student loans pending i'm sorry the is the rest of the money coming from metlife a monthly money or a lump sum uh yes yes uh no monthly money we're getting i'm getting 2429 for it every month. For how long? When I turn 35. So I have about nine years to go. Okay. All right.

Yeah. You guys need to get – the truck is glaringly absurd in your numbers. It's the thing that sticks out and screams stupid. Okay. And it's got to go. It's out of control. And probably your probably your car too but at least the truck because you're making 90k driving a 60 000 truck that does not make sense um nice truck though uh yeah he's not gonna like to hear that yeah well he's gonna guess what he's not homeless he's just truckless it's a that, Dave. Yeah, well, guess what? He's not homeless.

He's just truckless. It's a better choice. The fact that he'd rather sell his house before his truck tells me that truck is an ego play. Yes. Okay. All right. Yeah, good luck with that. I hope you talk him into it because that's what you guys need to do.

Have him watch this call. It's the best thing that you can do. You've got to clear this up. Goodness gracious. Yeah, I remember. Yeah. If your truck payment's bigger than your house payment, you might be a redneck. It could be. It's possible. Rachel's in Canada.

Hi, Rachel. Welcome to the Ramsey Show. Hi. Hey, what's up? So, my husband and I have an opportunity to look at taking a greenhouse business over. However, I don't have a single idea of what questions to ask when we go in to talk with them. Why would they let you take it over if they're making a profit? Why would they not sell it to you?

He is keen on remaining in the business for a little bit longer. I, he's the sort of fellow that's going to work until a dying day. The owner there. Yes. Okay. How are you taking it over? If he's still working there till his dying day? Uh,

he wants to train somebody up into his position, somebody that's passionate about it, but has a vision to take it in new directions. And, uh, for a couple of like how him and his wife were when they first started it. And when will the ownership be transferred to you? These are all questions that I have for them.

We have talked on and off throughout the on-season, and so it's been very, very short conversations. And now I want to actually sit down and talk with them. What do they expect? What I want to know, does it make a profit? Because I've got a feeling it doesn't. I want someone who's passionate about it and willing to work for no money. Because this is not really a business.

It's a hobby. Fair. He's been doing this for 22 years. He's well established in our area. And now he's just getting old and doesn't want to do the really long days anymore or anything like that. So it does make a profit. I want to know how much and I want to know what the business structure looks like. I mean, you've got to get in there and learn all the business aspects of it and determine if you want to take it over.

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financial question as well as a relational question um i uh my husband and i got uh married three years ago we've been renting for quite a bit, and then we went up near family, and they offered to sell us a house. Well, my mother-in-law is very controlling, which is the relational part of the question. she controls everything and has the codependency issues where she will go and she will buy something for you, even though you're going to buy it yourself and you didn't want her to buy it. Or, for instance, the house that they were trying to sell us. So she bought it. Now we're working on it, which is absolutely bad. Let me stop a minute.

Did you guys buy this house or not? We were going to. Okay, so you've not bought the house? No, we haven't. Okay. She has. Okay, so you're not getting that house. What are you going to do?

Well, right now we're working on it. Why are you working on her house? Because we're supposed to be buying it from her. So you agreed to buy it later? Yeah. Is this in writing or is this just a handshake agreement? It's a handshake agreement, really. And when you buy it from her, what does that look like? You go get a mortgage and you purchase the house and then you're the owner right

yeah and from what i was like what i was wanting to do was i was trying to get my husband to agree to get a a mortgage and then some on top of that to do repairs well we need a contractor for that my husband's bucking and kicking to to not get a contractor because he's supposed to get his contractor's license soon and he doesn't want to put his further in debt what does what does that have to do with your mother-in-law i don't know how to approach her why does she need to be approached well because we're living with her right now oh or she's living with us we're both living with her mother what um and she has her own home she just refused to go home what do you guys make

um my husband started a new job in june doing hv, and right now it's up to 2,000 every two weeks, so 4,000 a month. And how old are you guys? He's 39, 23. We've got two kids. And you're staying home with the kids? Yeah. It sounds like the first order of business to create some reasonable relational boundaries is to create some physical separation. And you guys need to go get an apartment tomorrow. That's what I was thinking.

Yeah. But I don't know how to talk my husband into that. Well, then you don't have a mother-in-law problem. You have a husband problem maybe the maybe the mommy's boy needs to take care of his family instead of his mommy's wishes she's got three sons she does this to all of them i'm sorry and she has three sons and she does this to all she didn't do anything are they all living do anything to him that they didn't let happen. I don't think she's the problem.

I think your husband is. Any boundary you try to set, it immediately devolves into yelling. Move out. Move out. Tell your husband, I'm leaving. I hope you come, too. me and the kids are getting an apartment this is untenable if she chooses to end the relationship over this that's on her it's not on you but this is not a relationship anyways to begin with this is not your mother-in-law's

fault this is your husband's fault and your fault. You agreed to move in with her, and you knew this before you moved in with her. Yeah, I thought she'd go home. No, you didn't. No, you didn't. You knew exactly what you were dealing with, and you chose to ignore it, trying to make a financial deal. We're trying to save $2, and in the middle of it, we're putting up with the wicked witch of the west yeah to save two dollars you guys need to go have a life you and your husband go build a life and you can love her she's a lot easier to love from a distance yeah that right yeah she needs some distance but she's not the problem you and your husband

are the problem you've you've you guys just stepped up into a bear trap and then you're bitching about bear traps yeah yeah so play this out you get an apartment she's mad i don't even care about her that's it i mean she's she's not relevant in the discussion you guys need to decide we are going to do things that are smart relationally and smart for our future and not put ourselves in untenable toxic situations to save two dollars whether it's working on the house without a contractor's license or buying a house from this woman who's controlling why you enter into a deal why you go along with entering into a deal with this woman to buy a house from her is beyond me these are people that are best kept at arm's

length not right up close you know this now you're only 23 so i shouldn't fuss at you but you know you call me and you're all torqued out about her and i'm telling you you and your husband can solve this yeah but she's still mothering him and he likes it yeah yeah she pays for just about everything well quit taking her money i'm not taking your money anymore and you're not controlling my life anymore you don't have to be mean about it but just be kind and just go listen you know we've made some mistakes by setting up our relationship with you early in our marriage and we're going to have to change that so here's the thing we're going to have a little physical separation a financial separation and a real estate separation

from you so mom you need to get that house on the market and get it sold. We're not buying it. We're going to go rent an apartment, and we're going to save up some money and get us a house. Yeah. It's completely clean, and she's not going to like it, but I'm not taking a poll here. She doesn't get a vote.

The problem is you all gave her a vote. Yeah. Again, you don gave her a vote. Yeah. Again, you don't have to be unkind. You just be very firm and just say it. And if it devolves into yelling, that's on her. But I don't put up with people yelling. That's ridiculous. Yeah.

I mean, what husband is going to let his 23-year-old wife get yelled at? Come on, man. Tell him to run down to Walmart and pick up a backbone. They're on aisle three. Abigail, this is not going to be fun. And what's going to happen when you say all this to him? If he watched this callback,

what would his response be? Would it be, they don't understand. It's not like that she doesn't give me an allowance it's different is that what it would be he arguing with the recording saying well hi we shouldn't get in the apartment because we're getting from my uncle and what's he gonna say stop taking things from your family there's strings attached and it doesn't end well yeah start your own life don't back out of this deal stop taking an allowance and if you all need to go make more money then go do that the financial incest in this is unbelievable i know yeah i mean really i don't know what to do you know i mean what you do is you have a marriage problem you and your husband need to separate from these people far enough that they don't have any apron strings or wallet strings controlling you.

Get an apartment. There's apartments in Charleston, South Carolina, nice ones. Go get you an apartment. You go get a job. He go get his job. Whatever we got to do to make it on our way. We're a young married couple. We don't have any money.

We're trying to get started. But you don't have to live under the thumb of the control of these toxic human beings. Really, it needs to stop. You asked, hon. That's what I'm telling you. But really, you can't blame her anymore after today. If you if you want to blame somebody, get you a mirror. It's your fault after today.

Those are also at Walmart. Yeah. Aisle A4. Yeah, they're right over next to the Backbone Isle, the mirror aisle. Yeah. And you guys got to make some decisions here. Mama don't get to control you unless you allow her to. You're like grown people and stuff.

This is The ramsey show george camel ramsey personality is my co-host in the lobby of ramsey solutions on the debt free stage emmaus and hannah are with us hey guys how are you we're good how are you we're blessed welcome where do you guys live char Charlotte, North Carolina. Awesome. Welcome to Nashville. And how much debt have you two paid off? $94,000. All right. How long did this take? 18 months. Good for you. And your range of income during that time? Whenever we first started, we were making around $97,000. This year we'll file taxes around $180,000 to $200,000. Whoa! What do y'all do for a living? So I am a nanny, and I'm also a house cleaner. I started that business when I was in debt. So I was cleaning houses, got my clients, and scrubbing toilets.

Good money. From morning to night. Good money. Good money. Yes. And I run a video production company. We film weddings, corporate events, commercials, and my wife helps me as well wow you guys are working hard we try to way to go what kind of debt was the 94 see we had a car for uh 37 000 student loans for around 52 000 and an iphone 12 for 599 bucks

which we paid off first how long you guys been married uh this december will be two years okay so about the time you get married you start this stuff tell me about it how'd you get connected up to the ramsey deal so it was a couple months after we got married we gathered up all our debt and we said this isn't gonna we got to get this out of here and we started listing them from smallest to largest and started paying them off as soon as possible. We did because as soon as we got married, I was like, man, we're making all this great income. We have all this money coming in, but the checking account is staying the exact same. Where's it all going? It was going to a stupid dealership. It's going to stupid

federal student loan programs. It's going to Verizon and it was going to all these places. And I said, I work way too hard to have this little money in my checking account and just like you say dave something had to change my life so i could actually change something for my future and have more than a couple thousand bucks to my name making that much money a year amen preach it how long uh how did you guys find us uh one day i was i followed you on yours uh on instagram and then you eventually recommended on youtube and i I was like, man, some of these people I can definitely relate to. And I was like, man, making all this money, not having a lot of money, or having some of these stresses, I followed you. And then a few months before we got married, we cut up all of our credit cards,

and we said, okay, we're done borrowing money, even though once we started paying off debt, we accidentally fell back into it. And then I had to repent for about the next year because of that. But even throughout that whole process, yeah, we just kept on following you on social media and YouTube and love your content. We went to go see you in San Antonio, Texas at your Building Wealth Conference. We led FPU a few years ago and then also purchased your Financial Coach Master Training to help coach other young people on how to become debt-free and achieve their goals. Wow. You guys are on fire.

Fully in this thing, man. That's impressive. And along the way, you guys doubled your income. Was that just because you were furious about the debt payoff and then it just kind of stuck? I got so mad at it. I said, it has to go. And then, because for example, within our video production company, we film weddings and we edit weddings. And whenever we were in debt, I said, well,

I can make more money editing weddings for other people. So I stayed up late, 11, 12, 1 a.m., sometimes editing for other people. And then once we started doing that, a lot of people started sharing the word about it. And Dave, just like you said, in a small business, if you just show up on time and you do a great job, you won't have any competition. And that's what we started doing. And then we're now starting to hire other contractors to help us throughout the process. And our company grew actually because of the intensity that we achieved through Baby Step 2. So it just overall helped our business as well as pay off debt. Wow. How old are you two?

23. Wow. I was 22 when we made our last debt payment, just turned 23 last week. Wow. Congratulations. You guys are heroes. You get the whole rest of your life to live with intentionality and with a big old pile of cash because it's not going to payments.

Yes, sir. Yes, sir. Y'all are amazing. Very, very well done. All right, financial coach, what do you tell people the key to getting out of debt is? Ever since the beginning, we tithed 10% on our income to our local church,

and we're also extremely generous throughout the process. We did tiptoe into baby step seven sometimes of just being extremely generous throughout the process because generosity is so much fun, in my opinion. So we kept on tithing 10%. We just we sowed seeds with other organizations and people. So we're extremely generous. But also, I mean, we just we work together.

We worked all the time, all the time. We're generous, but we made sure that we were within communication with each other. We didn't go spend money behind each other's back. We're completely on the same page. I mean, there were some nights I was editing on the couch at 11 p.m while she was doing editing on her laptop as well and we worked all of the time yeah yeah and now you got no debt and you're 23 and um besides her house not yeah not not waiting on someone else to clean up the mess yeah that's extra weird see most 23 year olds out there they're going well it's the wages and they just don't pay enough these days so i can't get ahead boomers fault

it's the boomers because we bought cheap guy in the white house and you guys just went wait we can go make more money we're not scared of work and now you control your own destiny in that way i sometimes scrub toilets with her she was like hey just for fun no she said man's having 3 000 square foot home i said i guess i need a pair of gloves as well i'm helping you as soon as i close the laptop i'm picking up what's the average amount you can charge for a house for cleaning 150 that's amazing it takes a few hours oh yeah she sometimes did two or three in a day and then editing what can you get paid to be uh editing other people's weddings? About $500 to $500 to $800 and for a wedding video between $3,000 to $5,000. What does that hourly come out to?

I can do a $500 edit in about three or four hours. Wow. So about $100 an hour, something I can do anytime throughout the day and just work really hard and be generous. So you don't have to just sit and doom scroll. Instead, you edit. Oh, yeah. We love it.

You can make $50, $100 just doing these side hustles and. Instead, you edit. Oh, yeah. We love it. We work. We make 50 bucks, 100 bucks just doing these side hustles. Why not? Turned into a business. Yes, sir. That's right. That's where money comes from. Amazing.

You got to work. Yeah. God. I love your parents. I don't know who they are, but I love your parents. They're right here. Great job, mom and dad. Proof that if you teach a kid to work, you really don't have to teach them much else.

They'll figure it out, you know? Every parent listening is like i wish johnny was more like him the uh 23 year old we were talking to a while ago with the mother-in-law yes yeah uh a whole different 23 year olds here hope she's still listening thing man amazing yeah well done you two very very well done so proud of you thank you who was uh who was cheering you on as you went these lovely people over here moms and dads yes they're supporting us um through it all and we so they think you were a little crazy though sometimes crazy yeah they said y'all are a little crazy in such a good way all right you guys are still editing you guys are still cleaning houses and babysitting.

You should have two or three cleanings in a day, then babysit at night. And I won't see her all day. So I said, I'll either be bored. I'll miss her. So I might as well work. And we're just working at the same time. And all of a sudden, we just noticed our spreadsheet, baby step two, just kept on dropping lower and lower and lower.

And we said, oh, my goodness, we're out of debt. And we actually have money because we're not giving it to people anymore. Boom. Just like that. You guys are fun. Well done. I'm so proud of you thank you neat young couple your future is so bright it's unbelievable fabulously done we've got the live and give box to give you that's the baby steps millionaires book you're going to be there in 20 minutes you'll be millionaires before you're 30 the way you're going this is crazy

and uh total money makeover book as well to give to somebody that's inspired by you and you are inspiring and the total and the financial peace university membership as well so very well done you guys wow power couple baby i'm impressed mic drop emmaus and hannah 23 years old charlotte north carolina 94 000 paid off in 18 months making 97 to 200 what's their secret work all the time count it down let's hear a debt-free scream three two one we're debt-free yeah yeah yeah yeah yeah. Love it. Boom. I wish I could just bottle their energy and sell it.

That's impressive. Gen Z Red Bull. That's all you need right there. We're going to call it. Talk to Emmaus and Hannah. We're going to call it. I may have just given them their next business idea. And here's the thing. Somebody's going to watch this and say, well, I don't really want to work.

Well, then don't bitch about not having the results. Yeah, if you want those kind of results. If you want the results, you put in the time. If you want to win the Super Bowl, you've got to practice. You've got to play hard. Every down. Even between the plays, you've got to be working. I mean, you don't achieve excellence without getting it.

I mean, they got it. Get up, leave the cave, kill something, and drag it home, man. That was the key. Very powerful. Nothing's stopping them. Unless you're willing to do what they do, don't whine about what they did and what they got. They got out of debt in a short order. As soon as they got married, boom!

Just like that. This is The Ramsey Show. Our scripture of the day, Isaiah 45, 2. I will go before you and will level the mountains. I will break down gates of bronze and cut through bars of iron. Henry Ford said, when everything seems to be going against you, remember that the airplane takes off against the wind, not with it. Spoken like a car guy.

But it's actually true. I just kept thinking they had planes back then. That's impressive. Oh, they didn't. They did by the time he died. Yeah. All right. Sean is with us in Louisville, Kentucky.

Hi, Sean. Welcome to the Ramsey Show. Hi, Dave and George. Thank you for taking my call. Sure. What's up? So my wife and I are looking into kind of upgrading in-home. We currently live in 1,500 square feet, and we have three kids, seven, five, and six months. And with school choice, looking at the location that we would be moving to, our expenses would be staying the same, but we'd be moving from 1,500 square feet to 4,500 square feet. The question I have is, though, and I guess the kind of concern I have is that we, yes, we'd be taking on more debt for a mortgage. But again, with the school choice, it would allow it to be the same expenses.

So you mean not paying private school? Correct. Yeah. So we'd be still sending them to private school, but we wouldn't have to pay that expense because of the school choice. You mean the school has a voucher program? Correct. Yes. Okay. So you're moving into an area that has a voucher program. You could use that towards your private. It would save you that tuition. Yes. Okay. But your house payment is going to be how much?

The house payment, we're going to do a 15-year. It would be $2,500 a month. And what's your take-home pay? The take-home pay monthly is $9,300 a month after tax all of you know that's net 401k coming out before that yes correct i would do this it fits every guideline we talk about yeah yeah is this the i guess the only thing i um kind of had like a a little hesitation about. I guess if it ever wasn't like that, if they didn't have that policy in place. So you're moving to a different county, and the county that you're moving to has a voucher program. How long have they had the voucher program?

For over 10 years. Do you have anything in the political winds that makes you think it's going to go away i don't think that state i wouldn't think yeah but you know i mean you can't tell about anything for sure i'm not saying but i mean if there's something in the front cover of the newspaper right now then yeah right yeah but but if they've gotten a voucher as controversial as vouchers have been uh if they've gotten it in place and have stuck with it 10 years they sound like people that are going to stick with it to me yes yeah i think it's benefited them greatly yeah it's probably

good it's probably done what it's supposed to do which is actually benefit everyone involved so um yes yeah because it well anyway moving along from the politics but the uh uh but yeah the the financially i would do what you're doing i think i like it yeah if the hey you know what if the voucher system goes away in four years you can move yeah well this is a house it's not a permanent it's not permanent yeah yeah one kind of security thing that i had like if it did go away there's good schools within that county that we could fall back onto if we absolutely had to so i just you know was well and the other thing is going to happen is during let's say it's five years from now, six years from now, your income will be up. True, yeah.

So, I mean, we're not dealing with static income. What's your new mortgage going to be? $2,500. What's the loan amount? The loan amount will be right about $300,000. Okay. Wow. I might bring it down a little bit more. We have a little more than $100 hundred thousand saved to put down on it

um i have over 130 000 equity in the house that we currently live in now um okay so you're chunking 230 into it already you know the other thing you look up i mean inside of 10 years you may have it paid for but you're not going to need it but for 10 years more well you got the little one but the the i mean yeah you've not the school's not forever but it's um that's what i kept thinking if you get 10 good years out of this you've knocked most of the issue out and between your income coming up paying off the mortgage or getting close you got all kinds of options if the thing breaks down out there 8 9 10 11 12 years from now and that would be only dealing with the baby then yeah we've seen the average it takes for folks following the baby steps to pay off their mortgage

of seven years if they do the 15 so you're going to be right there man it would not surprise me that you were not debt free in seven to ten years house and everything which again changes the whole equation if the school thing turns upside down on you, that's pretty cool. Pretty cool. Misty is in Los Angeles. Hi, Misty. Welcome to the Ramsey Show. Hi, guys. How are you?

Good afternoon. Afternoon. How can we help? I just started listening to you guys a couple months ago. Downloaded your app, getting ready to launch it. I am in quite a bit of debt. I do have a savings. And I wanted to get your advice on,

shall I dip into the savings, pay off my debt, kind of like what you guys state with your baby steps? Sure. Sounds fun to me. How much debt have you got? I got about $110,000 worth of debt. And how much in this savings? I have about $265,000. So what would be wrong with writing a check tonight and being debt-free?

The only hesitation I have is... You'd only have $160,000, Misty. I think I'm going to cry. Wipe your tears with $100 bills. You know, my thing is that years ago I paid off debt before, and I just re-rent, you know, got it going. So I'm trying to fix my core. That's a good reason.

I like that reason. As silly as it sounds, I mean, I'm smart. How old are you? I'm 46 years old. I also own a house, but I don't consider that a debt. Is it paid for? My house is not paid for, and it's kind of funny. I have two homes.

So I have one home I own in Arizona that I'm paying a mortgage on, and my job is in California, so I do rent. Oh, okay. Yeah. So it's more like a retirement home I've been paying off, but it's in a pretty good shape. How long would it take you, being on a budget on the EveryDollarBudget app that George shows you how to do it,

how long would it take you to feel confident that Misty's is not going to ever go back into debt? How long would it take? I mean, how many months of doing a budget consecutively where you had power over money instead of it having power over you, how long would it take for you to build confidence in Misty? You know, I don't think very long you know you guys got yeah you got me analyzing i started seeing where my money was going um i started making some serious changes just in this last month after listening to you um like you said every dollar you know um i think you're i think i've been doing this 30 years i

think you're okay i love that you are concerned about not changing your behavior and going back into the hole that is a very wise lady that says that the fact that you said that out loud probably means you're okay because you're attacking this you're addressing it the subject is now kind of um it's actually interesting to you for the first time i'm going to make this stinking money behave so it doesn't all get away from me i don't like this feeling of chaos and being out of control i want to be intentional that's kind of risen up in your throat hasn't it it it has it has but you know my question know, right now I take home about $11,500 a month, sometimes $12,000. But my bills are $95,000. Yeah, but you're debt-free because we just paid it all off.

That'll free up some payments, which is only going to help your budget. And like you said, a budget is just paying attention to your money. And so go sign up for our free webinar we have going on, everydollar.com slash budgeting. There's one coming up over an hour. We're going to walk you through how to use it. You said you downloaded it, haven't launched it yet. We're going to give you three months free premium, too, to get you started on it. Because I think in three months, Misty's going to really feel good about Misty.

It takes 90 days to dial it in. If you don't write the first month, write it the second month. If you don't write the second month, for sure, write it the third month and be debt-free. I think you got this, kiddo. Hang on. We'll help you and get you signed up. That puts this hour of the Ramsey Show in the books. We'll be back with you before you know it. In the meantime, remember,

there's ultimately only one way to financial peace, and that's to walk daily with the Prince of Peace, Christ Jesus. Hey, it's George Camel. If you like what you heard in this episode and want to know more about getting started on the Ramsey Baby Steps, go to ramseysolutions.com and click on the Get Started button.

We'll help you figure out the best next step for you based on your specific situation. That's RamseySolutions.com and click Get Started.