The Ramsey Show - App - Your Cash Is Just a Mirage (Hour 3)

Episode Date: December 20, 2022

Dave Ramsey & Kristina Ellis discuss: How much to save for a wedding, When a car lease is actually a valuable company perk, Using savings to pay off the house, When to talk about money when dating. Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET 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 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Live from the headquarters of Ramsey Solutions, broadcasting from the pods at Moving and Storage Studios, 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. We help people build wealth, do work that they love, and create actual amazing relationships. Christina Ellis, number one best-selling author, Ramsey Personality,

is my co-host today as we talk to you about your life and your money. Merry Christmas, America. Thanks for being with us. The phone number here is 888-825-5225. The call is free, and some say the advice is worth exactly what you pay for it. All right, we're going to start off this hour with Luke in Fort Wayne, Indiana. Hi, Luke. Welcome to the Ramsey Show. Hi, Dave. Thanks for taking my call. It's an honor. Honor to speak with you, sir. How can we help um so i was calling to get some advice um because i'm getting married and six months and moving out of home from my parents and i'm wondering what you would advise is kind of like a uh nest egg or just a small

it feels like i should have some money set aside to pay for furniture and the deposit and things like that. Do you have an emergency fund right now? I do. I have $1,000. I'm on Baby Step 2. Okay, wonderful. Well, Dave, I am curious how much, beyond the deposit, so you have your deposit for the apartment. I mean, if you're on baby step two i'm thinking pretty cheap but dave what's your take yeah you need to well i mean basically it's not do you need more than a thousand dollars in savings uh that's not the question uh the question

is how you're going to fund the setup and um so you what do you make what's your income 50 000 okay and so you've got the money coming in you don't have any overhead to amount to anything And so what do you make? What's your income? $50,000. Okay. And so you've got the money coming in. You don't have any overhead to amount to anything, right? Correct. Yeah. So you're going to slow down your debt snowball enough to cover your deposits, to get your utilities set up, to buy a garage sale couch, and a Craigslist kitchen table,

and get some dishes while you're at that garage sale so you got something to eat off of and uh you know just set the place up cheap and then uh then you can upgrade from there as you go along towards the marriage date and and with the uh with the wedding gifts as well that'll help put a little nicer things in the cabinets right um get you a toaster and whatever else you got to have there right so uh you know but but the big things you're gonna have to do is avoid just go retail you know spend twelve thousand dollars on furniture you're not going to do that you don't have twelve thousand dollars well i think yeah i think you really need

to go in with like a frugal mindset right right? Rather than asking the question, like how much, you know, should I have in a typical scenario? It's like, you know, how cheap can we do this in a way that we still get to live in a place that's not, you know, a terrible spot, but how can we save the most money in this situation? I mean, you know, talk to the apartment complex, find out what your deposit is, or you know what that is, you know what your first month rent is, they're all going to be due up front you also got to check with the utility companies find out exactly what those are those are fixed numbers and then just give yourself a used furniture budget and just get in there and start with nothing and start you know super super super

cheap and keep working your debt snowball uh all the. Who's paying for the wedding? My family. I'm paying for a little bit of it. I've already paid for the honeymoon, but the wedding isn't much of an expense. I'd say less than probably $500 is what I'll pay. How much debt do you all have? So I only have like $10,000, but my fiance has about $ 000 so we have 90 000

well there's not a we yet after you're married we have 90 000 but yeah right now she's paying hers you're paying yours until the actual wedding occurs and then we combine everything and we attack from there but i mean the two of you can go shop for a garage sale couch um together and you're you're buying it but you're both going to end up sitting on it um certainly after marriage and so go pick some of these things out have an adventure with this stuff and you know sharon and i did this stuff luke i mean we got married it was uh if you go to the rich end of town there are people that will put a eight thousand dollar nine thousand dollar leather couch out on their uh in their garage sale for for a hundred bucks because they got to get out of the way literally the kitchen table we still use to this day i got for free off craigslist from a lady in the rich part of town who just didn't want it yeah just trying to

get rid of it it was literally fully wood like a 1400 table that she didn't want to take the time to take somewhere else so i was like i'll take it and i just it does make me think of that season when we were first you know married when i was first getting out in the world even with apartments i would literally just refresh apartment websites trying to find deals so i had my eyes set on this really nice apartment that was, it was, I'm going to date myself a little, in Nashville. It was $900 a month. And I was like, I cannot afford that. I kept refreshing, keep refreshing. One time it refreshed and they said they had a special for $550 a month. And I jumped on it. I went in that day. So it's like, I was just so

hungry to find something that I could afford that it was less about, you know, like what's the typical apartment price? Can I afford that? I was aggressive in trying to find the best deal. Turns the whole thing into a game. Yeah. It's actually, yeah. It's just a game. It's a game.

But how cheap can we do this? And how great a deal can we get? What kind of bargain can we get? And, you know, that's how you get started. And the good news is, is that this is not a forever couch no unless you get a really nice one like our kitchen no it's still not forever couch because it's not your couch i mean it's just it's just a it's a hundred dollar thing to sit on right or a fifty dollar thing to sit on that's all it is and you're gonna you're gonna upgrade

later and you're gonna upgrade later and you know you're gonna move and you're gonna do all kinds of stuff and so it's you know two years from now none of this will still be there you will have moved on now in your case you've kept the table because it was a very cool table to start with but yeah so but the uh but i'm just saying i don't we don't have any of that furniture 40 years later that we started with i'm just telling you not one stick of it that i'm aware of so um but that you know it's okay it's just a place to start so the point is you don't need a bigger emergency fund how much do i need to have in savings no you just need a budget to move in that encompasses your deposits and a little

bit of setup costs for furnishings uh from the garage sale and the rich people into town all right let's go to tim and camden. Hi, Tim, how are you? Hey, real good. Thank you guys for taking my call today. I got a quick one for you here. I have had a recent change of employment. I am now in the sales industry. I'm a outside sales guy, and I'm traveling our large state here, and I have an opportunity coming up to get into, right now, the vehicle that I have, I'm putting, I don't know, 45,000 miles a year on this thing. Wow.

And so I'm going to go through these cars pretty quick. I do have a payment going on on this vehicle right now. I have a stipend from my employer. I get mileage. But a new plan or a new possibility that's coming out is that I have the possibility in the future for like $160-some-odd a month for a midsize vehicle. I can lease the vehicle through my employer. They take care of all the stuff. You can't drive a car that cheap.

That's cheaper than you can drive a car on your own. So do it, right? You're destroying a car a year at 50,000 miles a year. You're destroying its value. You're running the maintenance costs up. You're running up everything. So you can't, $160 a month and they're furnishing everything. Yeah, that's called an employee benefit.

That's not a lease. As long as you're out of it when you quit there, I'm in. Do it. Christina Ellis Ramsey personality number one best-selling author is my co-host today last minute gifts do not have to be less meaningful if you're still looking for a last minute gift we can help we won't tell on you instead of grabbing a random gift card at CVS oh lord help you seriously you were going to do that weren't you yeah don't do that okay you okay? You can give a gift that inspires life change, like coming to one of our live events. Live event tickets make a great stocking stuffer. They're downloadable.

And, of course, you can buy them right up until the last moment. Just print them off, right? So we're heading down the road for our Building Wealth live event tour for the spring here, where me and the other Ramsey personalities, George Camel, Rachel Cruz, Ken Coleman, Dr. John Deloney, will walk through our simple but proven plan to get out of debt and build wealth. We're going to kick off the tour in Nashville on January 12th, and then Indianapolis, Indiana, February 16th, Austin, Texas, February 23rd, Salt Lake City, Utah, April 24th, Anaheim, California, May 2nd. These events are selling out. You do not want to wait around on this,

even if you're not doing it for Christmas. Event passes start at just $49, and you can take a few extra. If you want to get a group deal on it just holler at us we'll make you a group deal i mean we're we're up for getting you there we want you to see this stuff and to learn this material ramsey solutions.com slash events ramsey solutions.com slash events lana is in charlotte hi lana how are you hi i, I'm good. How are you? Better than I deserve. How can we help? Question. So my husband and I are debating paying off the house. I know you've had this one before or investing money. I think we've completed up to baby step four now. He likes to have cash on hand just, you know, if the market does go down

and we want to buy another house for investment purposes, fully funding, but we're just kind of in the predicament do we pay off the house now? Do we pay it off in chunks, like throw a big chunk this year then another chunk next year? Wanted to get your thoughts.

How long have you been listening to this show? A while, and he sends me, I think I know what you're going to say, but I kind of also want him to hear it. Okay. I mean, if you're going to work our plan, you already know what you're supposed to do, right? If you're going to work your plan, then you get to make up your own plan. Right.

So, but we know from data and 30 years of doing this, that the shortest distance between where you are and wealthy is to get everything paid off and stop borrowing money because you get control of your most powerful wealth building tool which is your income and you know the vast majority of the millionaires that we studied in the millionaires largest study of millionaires ever done had paid off their home early and um and it frees up that house payment i mean when you start investing a house payment it turns into a million dollars so fast it's scary when you were talking about what he wants to do in terms of investing did you mention the possibility of getting another house i thought i heard that

yeah using the cash on hand to buy a rental instead of paying off their home yeah so because we're max i mean we max our 401ks. We put money in our Roths. So but instead of, you know, putting all eggs in one basket, that was kind of our next, especially if the market does go down. Yeah. So you've been listening to the show for a while. Has he been listening for a while or what's kind of his attitude towards the baby? Yeah, he he he likes and I laugh when you guys say you know the feeling of having zero debt if you do pay it off he just has a certain dollar threshold that he likes to see in savings i think he's just scared to see that go below that um so i think he's just the

comfort of having cash on hand how much cash have you got? Savings of about $300,000. Mm-hmm. Is it just sitting in a high-yield savings account, or what are you all doing with the money right now? Yeah. Okay. Yeah. And that's costing you $2,500 a month right there.

Opportunity costs. That's dumber than a rock. That's not comforting. That's just stupid. How much is your mortgage? We're on a 15-year. It's about right around $2,000. Now, what's your balance?

Oh, $2,05. Pay it off today. Now. This is ridiculous. You'd still have a ton of money left. You're still sitting on $100,000. What is it makes you comfortable? My God.

Pay that off today. You're sitting there making 1% on your money and calling that comfortable. No, no, no. What do you guys make? You must make $500,000 or $600,000 no what do you guys make you must make five six hundred thousand what do you make no um like four yeah i figured lord honey y'all do whatever you want to do but you called here um yeah this is your, your situation. Financial planners, uh, worldwide would call you ridiculous sitting on 300 grand cash at 1%. I mean, I, I don't think you're going to find anybody who goes, oh, that's wise. Um, I mean, I, I like having cash around.

I believe in liquidity. I believe in having an emergency fund. I believe in having access to your money but um yeah that you guys need to write check today hey listen pay it off and if you hate it you hate being debt free with only a hundred thousand in the bank in four or five months just go get you another mortgage you'll feel better you'll never do that by the way once you pay it off you're gonna go oh i was completely getting my that was just no way i'm going back right well and they make i should have asked earlier what the numbers were oh i'm like

they make enough money they could buy that rental property soon they can get the bank account back up soon i'm like racking my brain you make 400k you can buy another rental by the end of the year in cash and not and never have any debt i mean you're sitting on a hundred thousand dollars after we do this deal you need to pay this house off before the sun goes down merry christmas do it right now oh my gosh i think that i think that's a good word gosh that's yeah my brain is like i'm racking my brain trying to think through any reasons or arguments that he might have that are valid. There's not any.

This is just, what happens in this situation is they make a lot of money. I knew it. I could smell it. What do you make? $500, $600? Oh, just $400. Okay. Yeah.

Wow. Okay. So they make a ton of money and they work like crazy people they work hard they put a lot of hours and probably carry a lot of stress and the that pile of money does give you comfort when you're working that hard because you can if anything if you just want to do something you can just do it it gives you lots of options and margin and that kind of thing. And so what he's receiving from that is a comfort. It is an emotional comfort.

But what you're trading it for is the emotional discomfort of losing $30,000 to $40,000 a year return on 300 grand sitting there doing nothing. I mean, $40,000 a year is substantial loss. sitting there doing nothing i mean 40 000 bucks a year is substantial loss that's huge you know and uh i mean 30 000 or 300 000 at 10 percent 30 000 so i mean whatever you want to calculate it at but 30 000 that's that's that's that's serious money that's a nice vacation i'm just saying that's a nice vacation and so it's a lot of what what what what you don't realize when you're in a situation in lana's situation is um that the comfort and the margin and the flexibility that all that cash gives you intellectually the trade-off is emotionally you haven't realized you are carrying weight with that mortgage.

And you have just kind of set it in the back of your mind, but it's still in your mind. And as Dr. Deloney talks about, your body knows that it's there. And so when you pay this off, you're going to get a different kind of peace that is actually a more thorough piece than you're getting from this pile of cash. The cash is a mirage. That's what I'm saying. This is The Ramsey Show. The Christina Ellis, Ramsey personality number one, best-selling author,

is my co-host today in the lobby of Ramsey Solutions on the debt-free stage Jason and Shannon are with us hey guys Merry Christmas Merry Christmas good to have you all where do you live Minnesota all right what part of Minnesota uh Minneapolis well Lakeville Minneapolis yeah cool well good to have you welcome to Nashville and uh you apparently sent some cold weather our way it's coming like a day after tomorrow or something it's gonna get like super cold this isn't cold this is not this is not cold no it's going down to single digits in two days here so way to go guys all right how much debt did you pay off so we paid off about 1.6 million oh my gosh okay uh and uh how long did this take well backtrack a little we we

actually were on your plan in michigan we started our family there and then stepped into business with my father-in-law and i had called you when i was still in Michigan, which would have been like, let's say, 2008. And you told me not to go into partnership. But I did. Move from out of state to a new state. So we tried a different way of borrowing money and building businesses and getting into a partnership. And then my wife actually got into a terrible accident, hit by a semi with my daughters. And made it pretty difficult he shaved off my hair took off my skull i was in a coma for 11 weeks not good i was just getting

worse pretty much a vegetable it was lots of prayer the reason i was came came out of my coma i used to be in a wheelchair relearned how to walk talk eat all of it only jesus oh my god all him all jesus only how long ago was that 2015 seven years and i mean you're like completely yeah i had neurosurgery save come in and tell me to pull the plug up all four of them and i just i knew the lord healer and i needed people to pray wow that's amazing all right god is good amen amen way to go y'all what a story and so you were deeply in debt at this point and in a partnership with your dad and the boat was sinking and meanwhile you're in a coma and this thing's what kind of a business uh actually jimmy johns yeah okay all right oh so you had a bunch of franchises. Did, yes. So how'd you get out?

What happened? So I got up to eight locations. Because that's a good franchise. It is. Great franchise. A lot of integrity. Southern half of Minnesota had a lot of ground to cover to get to each one and just started putting C-plus people in A spots,

and the numbers just don't work as you're taking loans out on multiple stores. So we decided to divide with my father-in-law, which was in itself an answer to prayer just to give us four and him four. And at that point was about end of 2017 that we really started to just tackle, okay, how do we get out of this mess? Because it was heavy. I mean, it was sleepless nights. Very heavy. So you're two years after the accident. Yes, sir.

You split the stores up. Correct. And you end up with $1.6 million in debt. Is that all on the stores, just about? Some was my home, yeah. I mean, there was more debt with all eight, but he assumed four of them. And so I just had to. You cut the debt in half because you got the partnership exactly okay so what did what did this journey look like

how did you pay off that much debt so um like I say sleepless nights and I began to just get into stores and try to just manage what I had and figure out what this would look like to pay it off what the time frame would look like um while she's at home trying to help with some bill pay and just not driving, my oldest turned 16, was old enough to help. It was just hard to be on the road when you got one adult that can drive. Wow. So you just turned the stores around? I did some. I mean, COVID actually really helped as far as we already did pickup and delivery.

So you didn't have to reinvent that piece. But I had actually had them for sale in 2019 and didn't end up closing the deal till September of 2022. So I sold three of the four. I just operate one and may look at doing another one now with cash, two stores in our hometown and not have all the travel and the overhead. Wow. You all are amazing. Your story is so powerful and just so encouraging to all the people who are listening, who are in the ditch right now, who feel like their life is just a mess and they can't get out. What would you tell those people who just feel so discouraged? I start my day with Jesus and hard work.

But ultimately, Dave's philosophy of just paying off debt, like, let me try it. I can go get a mortgage. I can go get SBAs. I can go get lots of loans if I want. But I want to at least try this side of the fence to say we paid it off. So to have kind of a goal and to be able to reach it. Thank you, Jesus. Amen.

1.6 million. You guys not only reached it, you crushed it. Well, the hole was pretty big. But it was nice to have assets to be able to sell. So that took a lot of work just to make them valuable enough to sell and chose good locations and just was able to have an exit strategy and still a great relationship with my in-laws. And so very, very grateful just to be able to be that example to my kids wow but even before we sold the stores we had worked off paying off all the debts there's

no debt but our mortgage our home okay so you were clear up until then and then the that final closing last last fall took care of it yes or this fall yeah yeah wow just about three months ago yeah and that's one thing i'd say dave is that i and we've listened to your show a ton over the years but the people that do get to do a death free scream and are here right after their mortgage it doesn't quite sink in until you're a few months down the road and realize like you don't know right it'll just come to my mind like the mortgage no the mortgage is gone yeah you got a paid for house a paid for business over and over you've got to be over a million dollar net worth easy actually we were on your millionaire theme hour here maybe two months ago okay so we're at about 3.5 yeah i thought so okay way to go guys

thank you fabulous shannon are you driving again i am all right how long ago did you start driving um i had had eight seizures so i haven't driven i've really four or five months ago oh okay just recently yeah all right cool because with the brain injury i started having seizures unfortunately and i've had a total of eight now but i haven't had one in a year and four months so i'm very happy about that amen that's good news a lot to be thankful for yeah 2022 is a big year it is yes yeah wow way to go y'all thank you whoa that's impressive all right we have we have the living. I'm sorry, go ahead.

I do want to say, though, for people that are doing this, trust me, you guys can do this. It gets frustrating, but just stay focused. You can do this. It feels so good. Just keep at it. You can do it. You can do it.

You can do it. So the overall, I didn't finish up, I guess, but the overall time, I guess, really from the, it's from 15, so it's a seven-year journey, we would say, to get out of debt. Well, about five years is when we actually started to get out of debt. The first two years of her coming out of the hospital was just trying to. That's right. You're still in the partnership. Right.

17. Yes, sir. Okay. All right. So five years. And your range of income during that five years? Varied anywhere from probably 200 up to about 400. Okay.

But their income isn't really what mattered. It was the sale of the assets. That's what that is. Yes, sir. Yeah. So getting rid of the three stores, three of the four stores. But there's a lot more profit when you don't have the overhead. Yeah.

I've heard the rumor well done all right we've got the live and give bundle for you the baby steps millionaires book the total money makeover book and financial peace university in your case for you to give away and i will pass that on and you'll be able to pass it on way to go jason and shannon 1.6 million in five years making 200 to 400 count it down let's hear a debt-free scream three two one we're debt-free that's how it's done man what a story powerful this is the ramsey show our scripture of the day philippians 4 12 i know what it is to be in need and I know what it is to be in need, and I know what it is to have plenty. I have learned the secret of being content in any and every situation, whether well-fed

or hungry, whether living in plenty or in want. Oscar Wilde said, true contentment is not having everything, but in being satisfied with everything you have. Christina Ellis, Ramsey Personality, is my co-host today. Alexandra is with us in Oakland, California. Hi, Alexandra. How are you? Good. How are you, Dave and Christina? Hi. Better than we deserve. Merry Christmas. How can we help?

Hi. So basically, I just wanted to know what you think is the best time when dating like is to ask about finances, like financial goals, debts, income and things like that. Are you currently dating someone right now? No. Okay. I like this question. So it's like for future person that you meet yeah and just like when you're on a date like you know when you're meeting new new people and stuff like that that's a great question Dave I'm curious about your take because I haven't dated in 50 years I don't have any idea well and what's funny is I've only had one date for 50 years what's funny too though is like we've had so many people come through recently on the debt-free stage that said that they talked about you on their first date.

Yeah, that has come up. I don't know that that's your recommendation. No, it's not. I can't really say Ramsey is romance. I'm just, it just doesn't scream romance. Maybe for grownups. I don't know. Oh, my goshups I don't know but uh oh my gosh I don't um

so I trying to think how how I would coach like one of my kids or something because what you're looking for when you're dating is um I mean you're either just out there goofing off or you're actually looking for someone to marry, right? And so if you have financial things or anything in your life, values-wise, you should have a lot of things that are deal-breakers. Maybe it's not romantic. Maybe it's efficiency, but I'd want to get to the deal breakers fairly quick just to not waste time. I don't know. I'm making this up on the spot.

What do you think, Christina? So when my husband and I were dating, we went to this church service together at one point where the pastor gave us a challenge, and he said, if you're single or if you're dating right now, if you start dating someone, I want you to go home tonight and sit down with that person and lay everything on the table, like lay out all your drama, lay out any type of baggage you have, anything hidden, your financial stuff. This was like three weeks into dating for us because they were like, if like you said, if that's something you can't handle, it's like, you know, the baggage early on, like, you the baggage early on like you know

early on whether or not that person has a history whether they have like things that are deal breakers for you so we literally went home that night we went over actually i think we did a like a coffee house or something and we sat down and we said we said okay here's the stuff here's my stuff here's my junk can you handle it and obviously near nearly 15 years later here we are we're still good but i think that's an important practice to kind of go you know i don't want to find out a year into dating when i'm already in love that they have something that i can't tolerate okay i'm here's the interesting idea i'm just i'm making this up on the spot i do this a lot on this show y'all don't know that but um okay the four things we do know data

the four things that if you're in agreement on these four things you have a very high likelihood of your marriage not only lasting but prospering money religion kids whether to have them and how to treat them and dealing with the in-laws, the extended family. Because in every family there's crazy, and if you think there's not, it's you. So you need to know how to deal with crazy because crazy is out there somewhere. And so if you can deal with the four things, extended family, kids, religion, and money, if you're in agreement on those, you will prosper.

So I would want to, at some point, discuss all of those things sooner rather than later. But first date might be weird, you know. But, I mean, like, you know, he's going to pay for your dinner with a credit card, and you go into freak-out mode or something. It's over. It's over. You're an idiot. What are you, crazy?

Yeah, that's it. It's over. We're done. Wait a minute. We didn't even start. Okay. But, yeah. So, I don't know.

What are you thinking, Alexandra? I mean, I know that a first date, of course, I'm not going to be like, well, how much debt are you in? But I'm always just like, okay, well, as a second and third, like you said, with time, I'm like, well, I don't want to waste each other's time. Like, I want us to be on the same page with like financial goals, like what we want in the future and things like that. So I'm thinking like what Christina said with, you know, like a week, two weeks, weeks you know putting it all on the table like hey it seems like we really like each other like let's really like what what are

the deal breakers i mean you know what are my non-negotiables okay and i'd want to know those um you know like if you never want to have kids and this person wants to have 17 kids, that's probably a deal breaker, you know, for most people. Right. And, you know, if you, you know, absolutely cannot stand the idea of being in debt and they think that you should go borrow 10 million dollars and buy investment real estate off a tiktok suggestions um then you know you probably don't have a fit right and so if you're on extremes in other words that's going to wake you up um you know uh your spiritual wall could be a big one that'd be a big one um as a deal breaker because that's going to inform almost every other area of your life. And so, you know, if they are of a different religion or no religion, they're atheist or whatever, that's going to inform that belief system, and it is a belief system either way, is going to inform parenting,

it's going to inform communication, it's going to inform everything, how you treat each other the whole bit and so yeah that's very interesting but yeah i it does feel like that um uh uh you're not just date is you're not recreate if you're not doing recreational dating okay if you're dating for the purpose of uh what you would have called in the 1950s courting, right, or something like that, for the purpose of looking for a mate to marry, then you're going to get there sooner than later on all the non-negotiables and money would just be one of them. Well, and I think it's better to get there sooner rather than later. Of course, not awkwardly on the first date, but sooner rather than later so you're not wasting time. because it's like if you get to eight months and it's a non-negotiable that sucks the 17 kids you don't realize that till you're dating some of these people are putting like fpu graduate

on their dating website the thing like oh you know or like i do the ramsey stuff or something like that and and so it's like oh i can't stand those people they're all a cult and so i'm not going out with that person right that makes sense i mean that's at least it's a filter yeah i was gonna say it filters it you know really so um i mean we we get negative press sometimes and so but we kind of like it because it's a filter because at least people know who we are and you go i don't like that okay then you wouldn't want to be over here you know it's a filter. Because at least people know who we are. And you go, I don't like that. Okay, then you wouldn't want to be over here. You know, it's kind of a deal breaker.

The same kind of a date, you know, different things. So, yeah, that's very interesting, though. Maybe we should have a Ramsey dating service someday. We have had lots of people request a Ramsey dating service. So many so that we actually considered it and said no. Whoa. Yeah, it comes up all the time. That's just weird.

But yeah, but it does come up. It comes up a lot. So there we go. And oh my goodness. Wow. Yeah, that's. It's interesting. I feel like it is kind of nice to have those filters because it is such

a different world of dating even 15 years for me and my husband and you and sharon it's like with the internet and so many filters and being able to choose things it's like being able to just like have that information up front would be nice for it to be like hey i'm debt free or hey you know i see this what like yeah Not that debt is a filter. I've got $400,000 in student loan debt. It's kind of like saying, I've got two children. You would want to know that. You would want to know.

Yeah, fairly quickly. And then you get to decide if you want to go forward with two children or $400,000. Either one. I mean, that's part of the process. Well, that puts this hour of the Ramsey Show in the books. Good job, Christina. Austin, Ben, James, Zach, and Andrew in the booth. The booth dudes, they make it happen.

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. Have you been inspired to make a change with your money want to know where to start take our three-minute money quiz to get a plan you can follow go to ramseysolutions.com and search for get started to get a plan for your money