The Ramsey Show - App - You Wanted Financial Success But You Did It All The Wrong Ways (Hour 3)

Episode Date: October 27, 2023

МУЗЫКАЛЬНАЯ ЗАСТАВКА МУЗЫКАЛЬНАЯ ЗАСТАВКА Live from the headquarters of Ramsey Solutions, it's the Ramsey Show, where we help people get out of debt, build wealth, find jobs and purpose that they love, and grow incredible relationships. I'm John Deloney, joined by my great friend, Jade Warshaw, and we are taking your calls on just about everything. 888-825-5225 is 888-825-5225. Let's run out to New Hampshire, back to New Hampshire, and talk to James.

What's up, James? How we doing, man? Good, you? Good, good, good. What's up, James? How we doing, man? Good, you? Good, good, good. What's up, man? My question is, should I pay up my credit cards or should I finish repairs in my apartment to gain more income? Your apartment to gain income?

You're not living in the apartment. You're renting it out? So, my house is kind of like a duplex but not really like a duplex so i right now i live in the house and i have two roommates helping me pay the mortgage okay um and then i could you know it's gonna cost me a good chunk to finish it i it's i've been going through every time i rip open wall I find more issues. Yeah so I'm probably going to stop doing that. Exactly.

Okay so you live in this house you've got two of your buddies living there with you rent free? I'm pretty much rent free right now. Pretty much or you are? Oh yeah I am. So how much debt do you have uh including the credit cards put all of it in there tell me all of it uh just um 77 and a half thousand did you say just

seven and seventy seven and a half thousand yeah okay that's it that's like that's credit cards personal loans and car loans okay so let's break it down what's like, that's credit cards, personal loans, and car loans. Okay. So let's break it down. What's the personal loan? Personal. I have two. It's just under 20 grand. Okay. 10,000 each? One's like eight. The other one's like 12. Okay. And then what else? Keep going through the rest of it. Credit cards. No, sorry. Two car two car loans um one 17 one's like 16

17 000 and 16 000 why do you have two cars homie i have three um i have my truck that i bought years ago um i use it to do a bunch of stuff i i I drive back and forth from New Hampshire to California for work. Is that one paid for? My truck? No, that's the one that I owe $17,000 for. Okay, is the third car paid for, or does that one have a note as well? Yes. Yeah, it's a 2013

Prius. Okay, the 2013 Prius is paid for. What's it worth? Like, probably what I paid for it, $65,000 to $7,000. No chance. How many miles does it have on it? $169,000. It's worth, I bet you can get $10,000 for it. But, go to

Kelley Blue Book, you can get $10,000 for it. Keep going through the steps. But the thing is with the free, I want all my... I derailed us, that 10 for it. Keep going through the steps. But the thing is with the free is I want all my... Just go through the steps. Keep going through the steps. I derailed us. That's my bad. Keep going through the steps.

I owe... So we did personal loan one, personal loan two, car one, car two. Keep rolling down that. I owe like one credit card, like seven. Another one's a little over two grand. Okay. There's another one that's like six or seven. Okay.

And I think it's one that's on top of my head. I think the other one's like four. So how do you feel right now listing out all that debt? Yeah, it's not great. Yeah. I think the other one's like four. So how do you feel right now listing out all that debt? Yeah, it's not great. Yeah. What's the house worth, this duplex house, if you were to sell it? I think, I don't know, like $335,000 maybe, I hope. And what would it bring in profit? I owe $213,000 on it right now.

Okay, so not much. No. Okay. How old are you? 29. I'll be 30 in February. When did you buy this house, this duplex? December 2019.

December 2019? Yep. You need to sell this house. You're going about everything in the wrong direction. And apparently it needs, like you said, every time you open up a wall, there's something more than it needs. And you need to sell this house. You need to sell this Prius. And I want you getting in an apartment with those same two roommates, only this time they're paying part of the rent. And I want you to get yourself a clean slate and let's restart this. And let's knock these debts out one by one so that you can breathe.

It sounds like you, here's what, when I look at this, here's what I see. I see a guy who wants to be successful financially, but went about all the wrong ways to actually do it. And it's backfiring and it's causing you to call two people that you've never met on the radio to get help. Yeah. You know what I'm saying? And I want you to be successful financially too. Can we both agree that maybe you went down the wrong path?

Uh, yeah, possibly. Yeah. Well, some things, yes. All things. Which things do you think you did right i'm just curious which things are right for you in this equation um

my job and my truck probably because i do make money with my truck and my car okay so job is good what kind of job do you have by the way um i work for the government i fix um warships oh cool and what are you earning doing that um this year i should um hit 98 hopefully 100 good and so the 17,000 one that was your work truck right yes okay the 16,000 one we're selling that we don't need it so you can sell that one and let's keep the Prius if you if you can't use your work truck for like everyday stuff let's flip it and if but if you can use your work truck for day-to-day then let's sell the Prius and car number two yeah yeah so that clears out quite a bit of debt right there already and then after that,

we've got these personal loans and we can just work through those bit by bit by bit. And if you sell this house, it's not going to bring much, but whatever it brings, we're going to put on the smallest debt and we're going to pay that one off. And then whatever is left, we're going to pay the next one off and we're going to work through this and we're going to pay this debt off. And when it's all said and done, if you do it my way, if it's when it's all said and done, you're going to have no debt. You're going to have three to six months of expenses in cash sitting in the bank. And you're going to be investing 15% of your $98,000 salary every single month. And you're 29 years old. You're going to look up.

All of this is going to be done. Oh, let me look at this right quick. Everything is going to be done in about 12 months if you hit it. And if you do the things that I told you, in a year from now, you're going to breathe and you're going to have a clean slate and you're going to have cash and you're going to have investments started and you're going to go, oh man, I called John and Jade. Yeah. Yeah? I do have $23,000 in the bank, though. All right, let's use it to pay off this debt. Keep $1,000 aside as a starter emergency fund and put the other $22,000 on this debt

and you're going to go on order. You're going to knock out the 4K card tonight, the 6K card tonight, the other $2,000 credit card. You're going to work through these credit cards, smallest to largest, and then you're selling those cars and when you look up you're gonna have uh eight you're gonna have about twenty seven thousand dollars and you're gonna blow through that so quickly because you have a ninety eight thousand dollar income and

you're single and you're on fire and now my brother you're gonna're going to be free. This is The Ramsey Show. We'll be right back. This is The Ramsey Show, and we are coming up on the holiday season, and many of you are already tripping out a little bit. Just the thought of sitting around the Thanksgiving table with all the cousins and the grandparents and all the screens and all the political opinions and all of that one cousin that can't

shut up about COVID. And so listen, I got you. I got you. Questions for humans. This year, we took him one step further and we got the Thanksgiving deck. We have the Christmasgiving deck we have the christmas deck and we have grandparents and kids and that was a special request that we got so often that we sat down with some grandparents and some kids and we're gonna save your holiday

season all right so jade i'm pulled a few questions out of the questions for humans thanksgiving deck this is designed for people to take to thanksgiving dinner or lunch or whatever and avoid all the disastrous conversations and drama all right is that possible i'm trying i'm trying i want to look my kids in the eye and say hey your old man got in the ring and tried okay hit me hit families all fell apart but we gave it a shot um all right so what is one thanksgiving food item that makes you gag green bean casserole when it's made the wrong way what's that mean the wrong way let me i'm gonna just say it right now the folks who are getting a can of green beans and putting cream of mushroom soup on it and then crumbling up those french onions y'all ought to be ashamed of yourself it's so nasty that's all i'm saying that's how i do it that's how i do it my mom

taught me the right way to make green bean casserole and i've never seen anybody make it this way what is it you get the green beans and you can use canned like the french cut kind so they're like nice and thin you saute it it with onions. You add some sour cream, Swiss cheese into the sauce, pour it in a casserole dish. Then you take cheese crackers and don't, this is the one time

you need to buy Cheez-Its from the store, name brand. Don't come in here with cheese flavored, you know, rounds or whatever. You know what I'm saying? Get the real Cheez-Its, crumble them up,

bake it in the oven. You'll thank me later. Never make that nasty casserole again that other kind all right look i i like my my crispy french's but i'm gonna need that recipe okay yes we're on it you got it austin austin does not have a discerning palate that's for sure that's for sure i'll see what he brings for lunch all right so i'm gonna preface my question with this i'll eat anything i'll eat anything like i'm a big steve rinello fan like the meat eater stuff like okay okay i will eat anything i won't eat armadillo and that like so i'll draw a line there thank you for drawing the line at armadillo. AJ's like, oh, it's delicious, man. But also, when somebody opens up a can of canned cranberries

and it keeps the tube of the can, it keeps the... Yeah, you can see the indentations. I can't wrap my head around how somebody puts that inside their body. Now, Austin, I've seen him rub it on his arms and his face. He's gross. But listen, I just look at it and think, I just want to throw up the thought of eating that. I just can't wrap my head. And it's so easy to make real cranberries, by the way.

I was going to be quiet, but I've got to defend myself. I make my cranberry jam from scratch. Thank you. There you go. Thank you. None of this canned stuff. And it's so easy. All right. So you go. Thank you. None of this canned stuff. All right. And it's so easy.

All right. So last question. Thanksgiving question. What makes our family weird and what makes our family the best when it comes to Thanksgiving? Well, depending on

who asks the question, I might say you're the one that makes it weird. What makes our family weird? You. You. What makes our family weird and what makes us the best oh boy that's a loaded question john i can't answer it on the air uh the things that

make us great is what we endure together and the thing that makes us weird is that we still hang out with each other even though all that we've endured together. Excellent. I will say what makes my family weird is, I'm going to answer this as carefully as I can. We have a really dark sense of humor in our house. And almost every time our Thanksgiving meal ends with really inappropriate jokes. Oh, gosh. And my mom storming off. And it's become almost a family tradition. Like a challenge.

And then my dad, I look over in his face or in his hands, and he always says, guys, y'all get to go home. I got to deal with this. And my mom is like, I just thought by now we'd be... It's every year since I was about 12. I got to hear some of these jokes. They're not great. I'm not proud of them, but it just evolves.

But I think that's what makes us not the best. But also I think it's what makes us the best is there's just no holds barred. This is going to shock you. I am kind of the quiet, stable one at that table that tells you anything about where it goes. I'm shook. It's all, it's fantastic. Questions for humans, go to ramsaysolutions.com and rescue yourself and your family this holiday season. Thanksgiving, Christmas, New Year's, and grandparents and grandkids. Hey, this year, go visit your parents and go on a date and hand your parents these cards and they can deal with the little ones this time without just handing them digital

babysitters. All right, let's run out to Atlanta, Georgia and talk to Skyler. What up, Skyler? Hey, I need some advice on what my wife and I should do with her car. Okay. What does she want to do? So what she wants to do, so we figured out that it's burning oil and that the piss springs are bad, but it's still running fine right now. Okay. I'm thinking that we should sell the vehicle now while it's still worth like $6,000 to $8,000 and get like an equal trade or like a $10,000 vehicle. And she's thinking, because I'm a service technician, so I drive a service vehicle most of the time,

so we're together in her vehicle 95% of the time. She's thinking, sell my truck and sell her car and get a nicer car. Then what would you do for your service vehicle? Well I mean the service vehicle I would drive it for work and then whenever we're not in work or whenever I'm not at work we pretty much put together most the time. I don't want to sell my personal vehicle. I mean, it's paid off when baby step 3B. Oh, so there's three.

There's your car, your wife's car, and your service vehicle. Yes. Got you. Why doesn't, what about option three, which is spend a couple thousand bucks and get this thing fixed? Well, the piston rings are bad on it, and it's pretty much valued at about $6,000, and you pretty much just might as well put a new engine in it,

and that's going to be almost the same value. Almost total. So as a service technician, here's my gut response. I'm going to scrape together $10,000 for me and my family, and I'm going to walk in and I'm going to buy this car that you know is bad. That part makes me feel uncomfortable. It feels unethical to me that you, as a guy who can see this thing coming, are like, I'm offloading this sucker right now,

and some other sucker family is going to have to deal with it. Yeah. No, I totally agree. It's just, you know, we just see it coming, you know what I mean? No, I see it coming. I don't know what to do. I see it coming, but it feels like a... I don't know, John.

I feel like if he sells it to a dealer, they're going to do whatever they have to do to get it driver ready. I mean, if he sells it to a dealer and lets them know, hey, this thing's bad in here, I can see that. Or if he's doing private sale and you're looking up the value with the issues, then you're disclosing, hey, this is what's...

This is going to need a new engine, so we're going to sell it at $4,000 instead of $10,000. I think as long as you're... You and I took a call earlier where somebody put a pretty sheen on some foundation issues on a house, right? And now this family is stuck

and they are trapped inside this house because they can't afford to get out and they can't afford to stay. That's right. And so as a guy who doesn't know much about cars, it makes me uncomfortable. It feels like one of those not by your hand, but in your lap situations,

which is, I hate this for you and it stinks and there's an ethical way out of this and then there's a, like I guess as long as you tell the truth. Yeah, tell the truth, sell it, put some cash with it and get her another car of equal value or if you can afford to

put a little more cash with it. Yeah. And that might be the best thing to do. Just be honest. Yeah. Honesty is the best policy. Yeah. This is The Ramsey Show. We'll be right back. Hey, you guys, health insurance costs are only moving one way and that way isn't down. And if higher costs aren't enough, the wait times to see your doctor are longer, and it's harder than ever to get anything approved through the bureaucracy. So, if you feel like the system is working against you, try a biblically-based alternative to health insurance, Christian Healthcare Ministries. CHM is a health cost-sharing ministry that's helped hundreds of thousands of families like yours

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This is the Ramsey Show. Let's go out to Houston, Texas, and talk to Amy. What's up, Amy? Hi. I have a question. My question for you all is, my husband and I are wanting to downsize, but my mom lives with us here, so we're not sure what to do.

Ooh. Why does she live with you? We have two kids under the age of two, and initially when I got pregnant, she retired, so it kind of was like a great... It was going to work out where she kind of helped me out. But she also has her own business that she's trying to get off the ground and stuff.

But I guess if you ask us today, we don't know why we all still live together. Well, it worked out when she could offer the child care. How old are your kids now? So one is two and the other one is eight months and okay um yeah and so she does contribute like um she does uh help out a little bit but um we're currently on baby step one starting over again before we had kids we were at a better spot we were at baby step two but now we're back down to Baby Step 1, trying to get back to our emergency savings.

What happened? Just, I think, just Bill got hired, and we live in a house. We moved from an apartment. We were all in a two-bedroom apartment, and my husband and I and the baby were in one room, and my mom was in another. And then she retired, and, well were in one room and my mom was in another. And then she retired. Well, she had retired before moving with us and then she moved in.

And then we got an offer to move into a house a little bit under the market rate through a friend. And so we moved into that house. But now it seems like we're house poor for somebody else's home. Just everything to keep up with in a home from the lawn to the gas bill. And your mom's not paying anything to live with you guys? Well, she is paying to live with us, but she's paying, but it's not. We ran the numbers, and if we moved to like a one-bedroom to be gazelle in intense with our kids, we would really, we would be saving almost $600 a month as opposed to what she contributes.

The difference is really 50 bucks of us living in an apartment being gazelle intense or her living with us. It's really not. I'm going to suggest that you guys don't move into a one-bedroom apartment with two little kids. Me too. Okay. That's what we would call napkin math that works on a napkin. It does not work in reality. Y'all are going to go crazy in there.

Now, I know there are people listening to this show or people who have family members that are doing that because they simply have to. So I'm not knocking it. That is not y'all's situation. That is a napkin math problem that y'all did that would accelerate your current situation. What does your husband do for a living? He's an operations manager. He spays for pests. What does he earn?

He earns about $50. And what do you earn? I'm a stay-at-home mom and I do bake on the side. Okay. How are you a stay-at-home mom when the whole reason that grandma came to live was so she could help with the kids?

Well, it's not that kind of help. It's kind of when she's around, like, can assist because she has her own things kind of going on. What did you do for work before you were a stay-at-home mom? I cooked at a restaurant. Okay. I need you to go back to work.

Okay. In some capacity. We're back to work. Okay. In some capacity. We're going to figure that out. There's going to be a way that you're going to work quarter time, work part time or work nights or work weekends, but you need money coming into the house because if $600 a month is making or breaking and causing you guys to think that maybe we'll move into a one bedroom apartment with four of us, there's other ways to get that $600 back in your pocket.

And it's called your Saturday and Sunday. Or your husband's going to spray all day and then he's going to go work the 8 p.m. to 11 p.m. shift or 8 p.m. to midnight shift after dinner with the kids. Yeah, he just interviewed to deliver pizzas. Okay, good. And I bake on the side and stuff. Baking on the side is not going to bring the money you need. Yeah, you can do that while the kids are awake. I'm talking about things to do to make even more money

when your husband's home, like at night, and also on the weekends, or you're when grandma's home and by the way if grandma's still gonna live there this is when you cash that chip in and you're like grandma i need to go work because we're in debt yeah we're struggling and we're gonna do one of two things we're gonna sell this house and go to a two-bedroom apartment and you're gonna find a place we're gonna or here's the three things we need to raise rent um because we're trying to find a six hundred dollar spread our husbands my husband could take a second job i need to raise rent um because we're trying to find a six hundred dollar spread our husbands my husband could take a second job i need to work a little bit and we're gonna have

to raise the rent a little bit on you if we're gonna keep all keep this house um or um and i'm gonna need some help from 6 a.m until 10 a.m because i gotta go back to work because i gotta get this we gotta get this debt down how much debt debt is it, by the way? We have $42,000 altogether, a car and student loan. Okay. How much is the student loan and how much is the car? The student loan is $30,000 and the car is $12,000. Okay. So the car is okay. Student loan is $30,000. All right. Yeah. That's right now you bringing in an income changes everything because if you've, if you've proven that you guys can live a life on $50,000, then if you got another income, you, if you, if you found a way to earn $40,000 a year, it would change your entire life and you'd be out of debt in a year. Do you see how I did that?

Yeah. And even if that means you having a hard conversation with your mom and saying, mom, I know you've got your thing on the side. We're going to have to do one of two things because the numbers aren't working out. We're going to need some help here because I got to go back to work. Or we have to sell a house. We're going to move to a two bedroom apartment. And we don't own the house. We're renting the house. The house you're in right now? Yeah. The house you're in right now? Yeah, the house we're in right now is a house we're renting.

How much are you paying? I got you. How much are you paying per month? 15. Currently 15. It's supposed to go up to 1750. So that's why we're... What is she paying? She pays...

Well, we had started decreasing her rent because we thought she was going to leave. She said it was planned that she would leave in November, but things changed. So currently she pays $350. Yeah, that's not enough. Yeah, it sounds like you, yeah. So all in all, the rent is $1,850 and she's just paying $350 of it? Well, the rent currently is $1,500 and she was paying $550 and then it gradually went down as she was getting ready to exit. But now it seems like...

I'm not mad at that. She's paying a third and I don't think that you're going to find... I don't think you're going to find anything cheaper than this, honestly. What did you... I mean, did you look at two bedroom apartments before you looked at one bedroom apartments and if 1500 is 500 a month that's how i had that's the number i had in my head for two for one bedroom no no for this apart for this house yeah i yeah for the mom you're saying yeah yeah i think that's fair yeah i think that's fair my

question i guess was is there a two bedroom i feel like when I look at this, I'm like, that's a pretty good price to rent a house that is housing all of you. I don't know that you can find anything cheaper. You know what I'm saying? I don't think that you should get rid of this house, this rental situation. The cheapest thing I found was a one-bedroom with a study. Yeah, no, that's not going to work. Here's a bigger question. Do you want your mom out?

Be honest. I'm the only child, so it's really hard to say that. Nope. So you feel guilty. You feel guilty and you love your mom. Just because you want her to move out doesn't... I love my mom to the moon and back. And I don't live with my mom. mom right both of those things can be true

so essentially yes because i want to live the life of my husband and my children of course you do of course you do it's time to have that conversation hey that's not wrong or bad thing that's so normal and so normal that you want to live your life in your house with just your husband and your kid. There's nothing wrong with that, girl. Okay. So on the financial, I guess we just... You got to start working. If you can find 30 and he can find another 10, you're out of debt in one year.

12 months. That's a drop in the bucket. And it's going to be awful and do it anyway. It's not going to be that bad. They've been living on 50,000 as it is. That's right. Yeah. It's choosing your heart, right?

Yeah. You guys got this. You're going to have to make some sacrifices and some real choices, but you can do it. Today's scripture of the day is isaiah 40 31 but those who hope in the lord will renew their strength they will soar on wings like eagles they will run and not grow weary they will walk and not be faint the great lars ulrich founding member and drummer extraordinaire of Metallica, says, stretching your parameters is a necessity if you want to keep growing.

I like it. Hey, when you hear Isaiah 4031, does it make you think of Remember the Titans? Always. Like eagles, y'all. Like eagles, y'all. Like eagles, y'all. You remember that? Love that. Love it.

Anyway. All right, let's go out to Birmingham, Alabama, and talk to Phillip. What's up, Phillip? How's it going? We're rocking on to the break of dawn, brother. What's up? Hi, man.

I just had a quick question. So, well, one thing to start off, my wife and I started doing the snowball two months ago. We've already paid off $35,000 in debt. Whoa. What'd you sell? Did you sell something? No.

Well, I'm in sales. And so I had a big motivator to make some extra money. And I had my biggest month ever and was able to pay off a lot of debt really quickly. Congratulations, man. That's fantastic. What's up? Yeah. All right.

So, question. My grandmother is being taken advantage of financially by my aunt. I'm wondering how I can step in and help. How have you already tried? So, I haven't tried yet. Okay. I'm wondering how I can step in and help. How have you already tried? I haven't tried yet. I haven't said anything to anybody. And the situation I'm about to share, I'm not even supposed to know, but my mom told me because it's like an emergency situation.

So I'll give you some context. So on the back end my grandmother's she struggles financially didn't invest in retirement didn't know who dave ramsey was ever until i started going into him a while back and so unfortunately she wasn't set up now she's in her 70s has no retirement and she just draws social security and i think she brings in like 1400 a month so she's she month. So she's okay. It's very thin. Very thin, yeah, no margin there.

So she came to me two or three years ago about how does she get some breathing room. And so I essentially bought her house for what was owed on it and put some money into it to fix it up. And she lives there for free she just pays utilities and that was kind of a retirement thing she and i worked out so that gave her a little bit of margin but you but your name's on that your name's on the house you own it correct okay correct so um so anyway so she's been fine for two or three years like not rich but she's doing good well my my aunt, my aunt, who is her daughter,

um, is, uh, very bad with money, very, very bad with money. And almost weekly, it seems like is asking my grandmother for money, nothing big. It's usually 40 bucks here, 50 bucks there, but that stuff adds up, especially when it's coming from somebody with no margin. Um, so anyways, it's always bothered me. I hadn't said anything. It's my grandmother's money, whatever. But recently, last week, I got a call from my mom. My grandmother ended up paying a bill, a utility bill or something, for my aunt. And my aunt apparently took a picture of her debit card and ended up using it for other things as well without telling my grandmother.

Wow. Yeah. And last month, my grandmother is at Walmart checking out, getting groceries, and car gets declined, which is one, embarrassing, but two, it's one of those you're like oh my god i know i have money in there it's not there what's going on that's straight up illegal yeah it's stealing yeah yeah so she goes and checks and uh apparently about 500 has been spent um without permission from my grandmother's card on an online game that my aunt has been playing. And so anyways, grandmother confronts the aunt, and the aunt goes, oh, I don't know how that happened.

You know, that's crazy. I'll try to get your money back, that whole thing. And that's kind of where we're at. And I'm not supposed to know about this because my grandmother knows how I'm going to react. Well, here's the deal. So this is one of those situations, not your hand but in your lap you didn't ask for this situation you didn't ask for somebody in your family to be so deceitful as to steal from an elderly mother wow and quite honestly and quite frankly you didn't ask for your mom to not get involved with her mother and her sister, which is her responsibility.

As you started talking, my first question to you was going to be, why haven't you called your mom? And your mom has passed the buck to you. And so, I would, if I'm you, I would tell my mom, mom, you have 24 hours to get involved, and then I'm going to get involved. You've given me this information, and I can't sleep at night. I'm the homeowner. I've already bailed this whole family out of problem one, and I'm about to go get involved again too. And by the way, I'm going to call the police.

I was about to say. Mom's going to get her debit card changed. She needs to do that before the day is over. She did that already. Okay, good. But are you calling the popos? Because that's what I'm doing. I'm calling the police.

At the very minimum, I'm making it very clear to my aunt, because nobody else in the family will, if you come near grandmother again and ask for money, I call the police. Because you stole this right and yeah i understand that this is awkward and weird unfortunately your mom puts you in a very awkward weird situation unfortunately your family has not been as responsible with money as you have been and they have put you in multiple awkward, weird positions.

And if people keep doing that to me, I'm going to take the straightest path out. And by the way, grandmother can do what grandmother wants to do as much as that pains me to say. So if she says, I want you to butt out, you are not calling the police, get away from me. I don't want, that's going to hurt.

It's going to hurt like all bloody hell. And she gets to do that because she's a grown up and it's her money. Yeah. Right? Yeah. Why did your mom

not make a whole bunch of calls and ring all the bells? If I found out my little brother was stealing from my mom. Oh, it's going down. Oh my gosh. He would never a million years do that. He's such a person of high integrity.

Why didn't your mom get on the phone with her sister immediately? Well, she said something to her. Or, sorry, she wanted to say something, but my grandmother goes, Hey, I'm telling you this. I shouldn't have told you. Don't say anything to your sister. Don't say anything to anybody. Well, then don't tell me.

And my mom is... I know, right? Exactly. My mom calls me i'm the responsible one in the family when i speak people in the family listen because they're like you know like he means what he says he says what he means yep you know all that stuff well good for you for breaking this family curse i i would tell my mom you've got 24 hours to get right in the middle of this because i'm going to and she'll say oh philip don't do that please grandmother told me in confidence grandmother wants someone to help

or she wouldn't have said anything yeah that's what i'm thinking and she's thinking i told my daughter and nobody's helping well she's hoping there's a way this could be done where no one's feelings get heard and no one has to know about it and that you can just sweep it under the rug but that's you're so far like that it's just not possible no at this point yeah yeah i'd put everybody on notice and here's the other thing you're sending a message one of two messages number Number one, if you don't want me involved, you better not tell me because I'm getting involved. Number two, I don't play this game. We treat each other with dignity and respect. We don't steal from family members. We don't steal from our elderly mothers. We don't commit fraud in our own house. I won't stand for that. And there we go. At the end of the day also, this might even be a little bit weirder,

that's your home. You can tell your aunt you are not welcome in my home. Right? Yeah. You can tell your aunt, I'll no trespass you on my property because grandmother's a tenant of my place.

But not welcome. Oh, it was an accident. I didn't mean to. It wasn't an accident. It's not an accident. She got caught. Yeah. She was trying to make some money on an online game.

And wouldn't you know it, she didn't win. Man. Golly. Hey, I'm glad it's you, Phillip, because you're a person of high integrity and high character. Just for a moment like this. Hey, I want to thank all the guys in the booth and Skyler. Thank you, America, for tuning in and listening to the show.

Great job, Jade. Hey, be kind to one another. Pay off your debts. Don't steal from your mother. We'll see you soon right here on The Ramsey Show.