The Ramsey Show - App - Your Mother-in-Law’s a Freaking Crook! (Hour 1)

Episode Date: March 11, 2024

Live from the headquarters of Ramsey Solutions, it's The Ramsey Show, where we help people build wealth, do work that they love, and create actual amazing relationships. Number one best-selling author and a host of an ever popular youtube podcast george campbell ramsey personality is my co-host today thank you for joining us america we appreciate you hanging out open phones at 888-825-5225 and let's just start off with dave not pushing the right buttons anna is in Detroit. Hey, Anna, welcome to the Ramsey Show. Hi, how are you?

Thanks for having me. Sure. What's up? Well, I'm a little bit of a situation, and I'm hoping maybe you can give me some advice. My husband bought our house from his mom 19 years ago. She had quite a few houses at the time and decided that she could sell one of them to him. He was 19 at the time, um, went through a closing, like with, you know, a proper close agent, um, and signed all the papers. Um, he is the only name on the warrant TD,

um, and has been responsible in living in this house for this past 19 years. A couple of years ago, she had asked us for quite a sum of money, and we said we couldn't afford it. to the county clerk and filed a fraudulent quick claim deed on the house, claiming that our house is now her house. There's no checks and balances with that system. Yes, there is. It went through and everybody... Oh, yeah, the checks and balances are you put her in jail for fraud. Yeah.

Because she's a freaking crook. She's a criminal. It's been two years, and we're still fighting. And now instead of getting our day in court, they're saying that it's going to either cost us $20,000 to take it to court, or we can pay the ransom and maybe settle for something less and just pay to get rid of it, to pay to get out of it. You mean pay her?

Yeah, a settlement, right. So why have you not filed criminal charges? Well, I talked to the county clerk, and she said, you need to get an attorney to the quiet title. So that's what we did. And your attorney needed to tell you to advise you to fire criminal charges. Someone stole your house. It just happens to be that you know the crook. Right. That it's related. But he said, well, that would be a separate lawsuit and that wouldn't get you the quiet title that you need to free up your your house that

would be a whole separate matter i'll disagree to get your quiet title but then maybe on another point and i'm like man we've always spent so much money trying to get the quiet title and now we're really looking at maybe just calling the police and starting a report yeah i think i would okay i think i would file criminal charges on her and that's the thing we we thought maybe it was just a misstep because obviously this is not this is not someone that you have that your husband has a relationship with his mother no no mother in a right mind would act like this this woman is deranged how long has he known she's crazy a couple years well now it's been two. He didn't know she was crazy before this? No.

He was young and a single parent, right? How long have you been married? About 16, 17 years. How long have you known she was crazy? Because I figured it out in about 30 seconds. There was a lot of, you know, kind of red flags when we were first dating but i i started dating him when we were 16 years old and so we were so young i think we were very um i i don't know it was just well you don't want your mom to be a crook or crazy nobody wants that

exactly but some people's moms are because obviously there's crooks and crazy women and men out there so sometimes the dad is a moron you know i mean it just is very strong um christian raising to honor your your mother and your father and um i think there was a lot of things that we just said no you know she just needs help no if we can just pull her through no if we can just you know be there and help her get up on her feet we did that for a lot of years. And then finally I said, you know what? I told my husband either our household or hers, but we can't be the man of both. And he chose our household.

Good choice. That's when the crazy came out. When you set boundaries with crazy people, it accentuates they're crazy. Henry Cloud teaches us that in Boundaries 25 years 25 years ago okay so you've got some choices obviously there's no relationship left and it's a very sad situation so what is the most practical process here um it doesn't cost much to file a criminal complaint okay there's not a lot of cost involved in that. That's why I'm shocked that this attorney in quotes didn't recommend that you do that as a part of the quiet title.

Because here's the problem. If your attorney that was quieting the title quieted the title and then said deranged mother-in-law decides to file another one, you get to do it over again. And he stays in business the rest of his life. So I want her having an incentive to stop this crap, and that's called jail. Yeah, well, yeah. She's not going to jail, by the way. Darn it.

No. She should. But they won't put her in jail. They'll settle with her, but she will get the message not to screw with y'all. Yeah. Who said it would cost $20,000? Not to file a criminal, it doesn't. No, no.

You said they told me $20,000? Not to file a criminal, it doesn't. No, no. You said they told me. Yes, our attorney. We've already paid him $40,000 over the past two years to get a quiet title. And now we're to the last bit of it, and he said you either settle or take this to court. Yeah, or fire him and get a real attorney. That's another option i've called different attorneys but they said i'm too far no you're not into the ladder no you're not to get another one no you're not i've gotten all these stories and i guess i just need some real good uh

the problem is sometimes when you're dealing with uh lawyers they took the class on they're always right, and they forget that they work for you. He's your employee. He should do what you tell him to do, or she should do what you tell him to do, and that's what lawyers are supposed to do, but instead, they took the class where they tell you what to do, and some of them are really confused by that class, so sometimes us real people have to explain to them lawyer does not mean you do what you want to do it means you do what i want you to do as long as it's within ethics and within the law and so yeah we need to this has not been aggressively enough to suit me in the discussion i'm having with you if this happened to me and i own a bunch of real estate i don't care who filed

that i would have filed criminal the next day. Okay. And I thought maybe I needed to get, you know, basically a judge to say, yeah, this is fraud before I could go to the criminal and make that accusation. If the judge says it's fraud, it should quiet the title instantaneously. Right. Because that invalidates the, it invalidates, take a judge ruling a fraud over to the county clerk and go, Judge says this is fraud. You need to take this quick claim down. They'll take it down.

That's the quieting of the title. That's what it means. It's the cleaning up of a dirty title because it's a fraudulent thing. God, man. Some people. Who does this to their own kid? You whacked chick. Unbelievable. Go to jail. Do not pass go do not collect 200 go straight to jail monopoly she's collected enough it's over just like monopoly

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slash budgets. George Kemp, Ramsey personality is my co-host. George, you know that we're going to be in business forever. Why is that? Because God keeps making people. Are you insinuating that people are not the smartest all the time? Some of us aren't. Some of us in this species have to start over every so often. I do a lot of stupid stuff, but my personal rule is not to do the same stupid stuff over and over. You evolved. I try to.

Well, I've evolved. It's a higher level of stupid. There we go. Because the past level of stupid has been grown upon. It's always right below the surface you gotta watch d and d umb i have graduated wow there you go deloney had has two of those i've heard he's not not in that he's got real ones but um there you go good kind today's question comes from jason in connecticut uh who's also not evolved uh can we start treating bitcoin the same way you would treat single stocks? Crud, son.

I understand you're not a fan. No kidding. Where'd you figure that out? But an asset with $1 trillion market cap is not a beanie baby. No, but it's still thin air. Ask people like Warren Buffett, who says if he doubled the amount he had put in Bitcoin, he would still have zero because that's the amount he's put in Bitcoin. I'm going with Warren on this one.

Not saying you have to add it to your portfolio, but it's a good enough asset to invest 5%. No, it's not. Okay. I don't know where the 5% comes from. I don't know where the trillion-dollar market cap comes from. Mist and smoke and mirrors, like the whole freaking concept. While you were enjoying some time off, has shot from you know the ground to the moon and probably back

up again and so now everyone's getting they're getting loud again no way because it's hit all time highs and so now everyone's going see dave is wrong about this you know what we've got something else that repeats itself like gold see i've been doing this show for 32 years and every so often gold goes up and everybody goes see dave i told you and then it goes down and those people just disappear and then it goes up and they go see dave i told you you don't understand gold you don't really understand gold has value like what why does it have value because people like you it's a commodity that's where people get that's where people give value the only reason gold has value is two people

agreed it had value and they fought over it. That's the only reason. The same reason that green paper has value. Two people agreed it had value and they fought over it. That's what gives something value. So commodities are exactly the same way as currencies. And Bitcoin, someday, all kidding aside, all sarcasm aside, someday it may level out and become a thing. But, Jason, it's not there.

It's not there. I wouldn't wish a Bitcoin investment on somebody I really dislike. That's saying something. I really wouldn't. I mean, I don't even want those people to lose money. Well, even then, I see single stocks very differently because stocks are based on a company's performance and revenue being created. Well, that's because you're intelligent. I didn't have to think that deeply to get there.

And so, again, I'm not mad at Bitcoin, but to say Bitcoin is the same as a single stock is just not true. No, Bitcoin is a currency. It's speculation based on hype. Currencies have no value except for their track record that indicates that two people are willing to fight over them that's why the yen versus the dollar the pound versus the dollar the deutschmark versus the yen these things compared back and forth it's the faith that people have in something and of all the currencies um Bitcoin has the least faith. It's the most.

I've heard a lyric once. You've got to have faith, Dave. I wasn't going to go there. Oh, yeah, there's it. I mean, it's not. Yeah, so it's going to continue to be volatile until it's not. And even then, I don't invest in the Iraqi dinar because it had Saddam Hussein's face on it, and no one has faith in that currency anymore.

I don't invest in Confederate dollars from the Civil War because no one any longer has faith that they have value except as a collectible. I no longer, I do not invest in things where people have not established a long track record of faith. And even then on a currency, I don't invest in a currency. I would utilize it. I would utilize it. So to the point that I don't trust PayPal to be an exchange, that's a trust mechanism. I don't use PayPal be an exchange. That's a trust mechanism. I don't use PayPal for an exchange. So I don't even use Bitcoin for an exchange

because it's too freaking out there for that even. But it's a currency, honey. It's not an investment to George's point. Well, Dave, you just don't understand the blockchain technology. And once you get it, you'll change your mind. That's the line I hear all the time. Yeah.

This guy doesn't understand the blockchain it's the future maybe it is you know when you say stuff like that it indicates you don't understand investments so we're going to help today we've launched a two-night virtual event online event of me teaching my personal playbook on investments. It will not include Bitcoin except to trash it thoroughly further. So if you want more entertainment. That's worth buying a ticket just for that. If you want more entertainment, come join us. George is going to help me with this event.

It is Dave Ramsey's Investing Essentials. A lot of the TikTok goobers have been asking about my actual real estate portfolio, my personal actual formulas that I use. We're going to go into those, the real estate stuff. I'm going to show you what I do. I'm going to show you what I invest in. I'm going to show you what people that I walk around with that are personal friends invest in that have 10, 20, 30, 100, 200 million dollar portfolios. Millionaires, not your broke brother-in-law living in his mother's basement with an opinion because he's on TikTok.

Don't listen to people like that. You're going to be as broke as they are and look as dumb as they do. Don't do that. Guys, I don't know a lot. I can't fix your car. I used to turn a wrench because I'm an old redneck. But now when I open the car, it looks like a spaceship to me. So I can't help you with that.

But this I do every day personally for me, and I have walked with people who really do it and who really have substantial assets. And so there are some basic principles and processes, investing essentials we could call them, to picking an investment, sticking with it, when to abandon, how to analyze, that real investors, not get-rich-quick morons, use. And so we're going to go into all that.

It's May 21st, 22nd. Tickets go on sale today. It's at our website, ramseysolutions.com slash events. I'll just turn this into a big old ad right now. And it's completely virtual, which is cool because you can join from wherever you are. We will not accept payment for this by Bitcoin. That would be hilarious, though. We will not. Dave Cohen. And we will not accept payment for this on a credit card because we don't take credit cards. We don't believe in those either because we actually do

the stuff that we teach around here. We're like not hypocrites and stuff. So I actually live this way. I have four pieces of plastic in my pocket, a debit card on my business, a debit card on my personal account, my driver's license, and my handgun carry permit. That's all that's in my wallet. I don't have anything else. And all the rednecks just said amen. But that's all you need. That's all you need. That'll, that'll, Merck. Merck. Merck. So we're going to cover the basics. We're also going to get into the specifics that Dave mentioned from mutual funds to real estate, how to maximize your 401k. That's the starting point. And Dave's personal strategy.

And then investing trends. What's going on out there? Which ones should you avoid? Which ones are actually good? And get your tickets because it's virtual, so this event can't technically sell out, but there will be a limit to the technology. See, you can decide that old people are out of touch

or they have more experience than you. Which is it? Because I've seen four cycles in my adult life of the nothing down real estate come and go four cycles of it we're in the fourth right now on tiktok and a little bit on instagram but i've seen four of them some of you aren't old enough to have seen one of them and so you're going to fall headlong into it like I did the first time and bloody your freaking nose. So you can decide, do old people have wisdom from their experience or are they out of touch and they don't understand blockchain

technology? You don't understand because you didn't grow up with an iPhone in your hand. You didn't use it as a pacifier, so you don't know how the world works. See, you can decide that if you want, or you can decide to actually freaking learn something. I don't care which. I'll be okay either way, but we'd love to have you come to this because we're going to have a lot of fun. Can you tell? I'm a little jacked up about this. Yeah, I'm getting excited just dreaming about what this content will be. So join us. Good stuff. RamseySolutions.com slash events. Oh, it's $199 for two nights. We're going to do about two hours each night. So figure it out.

Like $50 an hour is what you're going to have in this. Your spouse can join? Yeah. Get the neighbors over. We'll all watch it on the... It's like pay-per-view. You can watch it on your blockchain. I mean, on your Apple TV.

Whatever it is. You can do that. I'm kidding. I actually do know how to do that. I watched a movie on Apple TV last night. Look at you. Off of my iPhone. Old dog can't learn new tricks. I actually do know how to do that. I watched a movie on Apple TV last week. Look at you. Off of my iPhone. Old dog can't learn new tricks.

I did do the mirroring, the whole bit. Wow. So just shut up. This guy's airplane over here. Don't say he's out of touch. A friend of mine that just funded a movie sent me the whole movie. It's not out yet. Asked me to watch it.

It was fabulous. This is the Ramsey Show. George Campbell Ramsey personality. Best-selling author is my Ramsey Show. George Campbell, Ramsey personality, best-selling author, is my co-host. Open phones this hour in the lobby of Ramsey Solutions. In addition to a couple hundred of our best friends drinking our free coffee, eating our free cookies, on the debt-free stage, Eric and Amanda are with us. Hey, guys, how are you? Doing all right.

How are you today? I'm nervous. Oh, you'll be okay. We've never lost a patient. how are you? Doing all right. How are you today? Oh, you'll be okay. We've never lost a patient. Okay. You'll be all right. I haven't either. That's good news. That's good news, yeah. So, where are you guys from? Right now, we're living in Memphis, Tennessee. Okay. What's right now? Where are you going? Military. So, we moved around quite a bit. We've been all over. Thanks for your service. Which branch? Navy? Navy. Yeah, I figured it'd be Memphis.phis yeah okay cool good to have you guys so how much debt have you paid off seventy three thousand dollars wow how long did this take about three years and four months all right and your range of income during that time ninety nine thousand all the way up to one hundred and ten thousand dollars excellent

and uh amanda what do you do for a living i'm an operating room nurse oh so you haven't lost a patient either. That's what you're saying. That's good. Well, we have this in common then. It's very good. Although yours were more at risk than mine. But yeah. What do you do in the military, Eric?

I work as a data scientist for Navy recruiting. Ah, very neat. Yeah, so an after military career that looks very lucrative to me. Well done. Good for you guys. Good job. So what kind of debt was this $73,000? after military career that looks very lucrative to me well done good for you guys good job so what kind of debt was this 73 000 oh we had mostly by student loans um eric student loans uh his little miata we had to pay off his little miata yeah he really wanted to so we did pay it

off i had to ask him if he was sure he wanted to do that but we did so we're still driving it and then we had some medical debt as well ah very cool very cool so how long you two been married uh we had our wedding in 2021 we got married in 2020 pandemic okay all right so you've been married four years and three years and some change you've been working on this so how'd you get connected and do this i do this ramsey journey stuff i was the ramsey person before i met eric So I actually met him when I was a traveling nurse. And it put me in Charleston where he was at the time. So we met out there and I was already doing this Ramsey stuff. And then we were dating for a while and

the pandemic hit and we were talking about possibly getting married. And we had to have some serious conversations about what we were, what i was wanting to do financially what our goals were together we had to like you know come up with the plan together and i kind of got them bought in on the ramsey stuff so eric she wanted to have the define the relationship dtr that's right discussion here so you were like well i want to become debt free so if you want to be with me i was grinding i was grinding it's always like this has got to be a part of your life i'm travel nursing the pandemic so this is real yes yes it was it was serious it's good money but it was real scary there's a lot of crap i was terrified wow i guarantee you so eric she comes in and says i kind of like you but we got to get aligned what'd you say uh at first i you know i thought i knew

everything about money turns out i was not financially literate and um you know the concept of positive net worth really uh made me angry for some reason because i didn't have positive net worth at the time you're a financial genius who was broke exactly oh we know a lot of those i let him know gently though it was nice that's good you just seem sweet nice i mean better than delivering him up to us you know you're passive aggressive you know it's a little miata it's a little that's fun so you guys get married and it was just like combined incomes let's go did it give you hope when you saw the numbers as you laid out your first budget

it did yeah life was really confusing because he was getting moved again in the military and I was like, I'm not going unless we're on the same page. And so it was really muddled for a while for us during the pandemic. I was terrified in surgery. The nurses were not getting as many hours. So I was like working as much as I could because I was afraid I was going to get fired. So everything was just really terrifying for us. And so once we decided to do life together, it really just took off from there there and it was such a relief to get on the same page wait a minute you were doing travel nursing in the or yeah yeah that's where the money's at okay but not during the pandemic the money was other places we had some nurses that were making

unbelievable money standing on this stage during that time but in surgery it was a little bit different yeah because a lot of it's elective and they just say, well, just wait. Yeah, we can't do this right now. And so we were dropping like flies out there on the OR side. No pun intended. That's careful, careful. That could go bad on a soundbite. That could be really bad.

Way to go, you guys. All right, so you get together and you say, we define this. We're going to get after it and you paid off 73 000 what do you tell people the secret to getting out of debt is in three years i think stop taking advice from broke people and you definitely have to be on the same page it just makes not just with money but you know with life it just makes things so much easier finances are like a small part of it but you really have to get on the same page but it really helps like if the financial part isn't the struggle in your relationship everything else seems to work out but yeah you got to be on the same page and then baby steps

too when people want to ask me about you know getting out of debt it's like just follow the baby steps they're not that hard yeah yeah it worked i'm proud of y'all well thank you who was who was cheering for you mostly ourselves she was she was the biggest she was my biggest cheerleader and family's just kind of looking on thinking you're weird or yeah yeah a lot of people didn't like get it we had a lot of naysayers but mostly just people that didn't get it they were just like oh okay yeah if that's what you're gonna do and you know i was moving around a lot and people didn't understand that either because i did have some friends in the navy, that had recently become debt-free when we decided to, you know, get married.

So shout out to Nick and Alicia Cordell for being some cheerleaders for us. Yeah, because they got debt-free and that's what finally bought them into everything. Because I had preached a lot and was waiting for him to patiently, you know, understand what I was doing. But then I think his friends becoming debt-free, like, really helped him. Yeah, there's nothing like having somebody walk up in front of you and go uh i just did this and it's not theory yeah it flipped a switch for him yeah it does it does for me because i'm pretty cynical i mean i have to it takes me a minute to come around i know you can't imagine that but yeah but the uh but yeah the the then when you see the actual proof and that makes a difference and that's the difference and uh someone tuning into the difference in someone tuning into the show today

or tuning into the show 30 years ago. It was just me on the air trying to get people to do this stuff, and nobody had done it, and now we've got thousands of debt-free streams. We've got the social proof. Yeah, thousands of debt-free streams on YouTube, yeah. So way to go, y'all. So proud of you. Excellent job.

Thank you. Hey, we've got a couple of every dollar gift cards for you that are one-year subscriptions, one for you guys to tie into the bank and keep working what you're working so you can hit that Baby Steps Millionaires next step, and one for you to give away and get somebody else converted and get them going in that direction. So to say thank you. And again, thanks for your service, both of you, for what you do.

You both serve society. It's a strong thing, and I'm glad you're prospering as a result. It's very, very, very good. Eric and Amanda, Memphis, Tennessee. $73,000 paid off in three years and four months, making $99,000 to $110,000. Count it down. Let's hear the debt-free scream. Three, two, one.

We're debt-free! Wow! There we go. That'll wake you Wow! There we go. That'll wake you up. There we go. That was like 70 milligrams of caffeine straight to the main vein right there. I needed that. You know, if people, all the old people out there are going,

I've been married 25 years. I've been married 35 years. I've been married 45 years. I wish that I was like that young couple that started back then we first got married we had this we're debt free 100 percent we're not even 30 and we got the rest oh you're gonna be so low as my mind be so rich and it started with kind of like you you were that way you're oh yeah you got started you know and i relate to eric because i had to swallow my own pride and go oh maybe i'm not a financial genius because i'm over here looking at my net worth, trying to brag about my credit card rewards and how I got a free flight paid for.

But you even had it worse. I mean, you had to come to work here every day. You're like an intern. Brutal. And, you know, well, I mean, you're in the midst of people all that actually believe this stuff and actually are doing this stuff. You can't not be confronted accidentally by it. No. And like you said,'s a hard place to

work we're not hypocrites around here and people so badly want to go i know that i bet those ramsay people have a credit card nope i mean you can check my wall at the door you ain't gonna find one because i normally believe this stuff i've lived it i've seen it i've had the experience of going life is better living this way living without debt you're not playing this game set before us by society well i mean because the miata dealership that little miata will get you that's what i've learned they'll get you a little me you're gonna start saying look at georgia's little tesla it's gonna be your new line oh it's paid for even if it burns up it's paid for that's true i mean even if it

insurance is for even if the battery quits working and won't be recharged oh man for you can just get you another battery can't you yeah they're out there okay i think duracell That's what insurance is for. Even if the battery quits working and won't be recharged, it's paid for. You can just get you another battery, can't you? Yeah, they're out there. Okay. Think Duracell makes them? I think so. Run down to Walmart on aisle three.

Amazon two-day prime, Dave. Oh, I forgot. That's fun. There we go. This is The Ramsey Show. George Camel, Ramsey personality, is my co-host. Thank you for joining us, America. We're glad you're here.

Open phones at 888-825-5225. All right, Tyler is with us in Dallas, Texas. Hi, Tyler. Welcome to the Ramsey Show. Hey, Dave. Hey, George. Thanks for having me on. Sure, Tyler. Welcome to the Ramsey Show. Hey, Dave. Hey, George. Thanks for having me on. Sure, man.

What's up? Well, I'm looking to get maybe some career advice on whether or not I should change career fields. So I'm a counselor in Dallas. I own a small private practice, and my wife is a teacher here. We're planning on moving to Oklahoma here in the next few months to be closer to my wife's family. I'm trying to decide if I should try to rebuild my practice there or if I should try to aim for like a more corporate steady job with benefits in order to help kind of increase our income and provide some stability as we make the move. Okay. Well, I mean, it's kind of the question of do I want to work in a corporate environment,

a quote-unquote steady job environment, or do I want to own my own business? Sure. Because running your own private practice is running your own business, right? Correct. Are you solo right now? I am solo.

It's essentially a 1099. I have an LLC that I run through an S corp. So, you know, there's some tax advantages with that, but I've really been struggling with the instability of not knowing really how much is going to come in each month. It's an up and down field. And it would essentially take me about a year to rebuild a practice back to what I make right now, which is about $75,000 to $80,000.

Okay. There's no instability if you're booked up for six months in advance with a waiting list. Correct. So you've not built the business to that level of prosperity. It's not the business to that level of prosperity. It's not the business model that's broken. You don't have a full pipeline and that's where the instability is coming from. Mm-hmm.

No, that's a good point. I'm self-employed. I don't know what my income is going to be. It's not a steady paycheck. Thank God. He likes it this way. Because it's working out for me, you know. So, yeah, that's the answer. And sometimes when I hear people on straight commission or that own their own business,

we do a lot of work with business folks in the Entrez leadership brand. And they say, well, you know, I can't handle the insecurity of it. No, what you can't handle is not making any money. You need to make some money. You start making a lot of money. You can handle the insecurity. I mean, if you're bringing in the if you're if your volatility was between 300 000 and 400 000 and it was going to land somewhere in there you could exist just fine but that's not your that's not your reality right correct correct so if you are going to restart your counseling business in oklahoma you to address that issue. And you're going to have to spend a larger percentage of your time on building relationships that create referrals

called marketing to get your pipeline brimming full. I have friends that have solo practitioner counselors that you cannot get in to see. And they make ridiculous hourly rates. They're very, very good at what they do, but they built a practice and a reputation around town, among pastors, among teachers, among policemen, around anybody who makes a referral to a counselor, that they really help people transform their lives. I'm sure you do, but you're just young enough in the profession that you've not built that

strong a reputation to get your pipeline brimming full. If you're going to go this route, that's what you'd have to commit to. But if you don't want to spend any time working on the marketing stuff or that makes you nervous, all you want to do is sit in the chair, then you probably do need to work for somebody else. And that's not a bad thing. It's just an observation of who you are and what you want to work on. I think the part that I'm struggling with is knowing that my wife will take about a $15,000 hit per salary versus, you know, Texas versus Oklahoma. And I'm struggling to know which is the right move of, you know, if I can um oklahoma and i'm struggling to know if uh which is the right move of you know if i can wait six months because that's about how long it would

uh it takes on average do you have the money to wait six months and eat on her 15 percent reduction uh it it would be a stretch but we could do it okay well that's what it takes to open a business and make the move to be near her family. So, see, part of this is it's all romantic. We're going to go for her. We're all going to be moving and be with family and back home, and I'm all warm and fuzzy. Oh, wait, there's no food in the cabinet. And so the warm and fuzzy goes away pretty quick then,

and you start facing the reality of what this move means and so the two of you probably need to talk about that that if we're making this move to be near your family which would probably be her request most likely then uh and that's an okay it's an okay thing to do i'm not saying it's morally wrong or something but you need to also embrace what goes with that, which is I'm going to have to take a job or we're going to have to go live on beans and rice for six months until I get some time booked.

Your license is transferable from Texas to Oklahoma, I assume. Not necessarily. I have to redo the licensing process, which is another complicated piece of it. But it should take about three months. Okay. The career gig you're looking at, is it in the counseling field? For a corporate setting?

Yes. No, it would be an insurance brokerage. Why? why um not necessarily that i'm interested in the field itself but um it just would provide probably a little more long-term stability in terms of not having to uh being a salaried employee and having 401k in retirement please don't do that you will hate yourself in three years you're taking a job only for the money and the benefits and the quote unquote stability and i'm trying to remind you that stability is a myth is mythology it only comes from a full pipeline by the way if you're an insurance brokerage and you don't do some

insurance brokerage you're going to be gone they don't keep you there is no stability and you don't you don't even like it you're just doing it because it's there for food there's zero excitement in your voice when you mentioned it that scares me I almost went to sleep don't do that man counseling makes your blood flow dude

it does you're right I spent a long time in school to do it Yeah, don't do that, man. You need to be in the – because counseling makes your blood flow, dude. It does. You're right. Yeah. I spent a long time in school to do it. And you like it. You like guiding people as they transform their lives, and you're probably good at it. I hope. I'm still relatively new in it, which has been one of the reasons why it's taken me so long to build up the practice. I would love for you to lend something that adds substantial income, even if it's a full-time gig,

to your household for one year, but not as a long-term play. I don't care if it's insurance, brokerage, or anything else, but go in there with the idea, I'm going to work somewhere for one year while I get through the licensing process, get my practice set up part-time in the evenings and on Saturdays, and start to fill up my pipeline, and let's take a year and make the move and not put our family on bread. But let's have a plan to where within 24 months you're opening your practice and it's a little bit more of a solid handoff than this zero, or from the level of practice you've got now to zero,

and then you've got to rebuild all the way from scratch, and you do know how hard that is because you did it once. Yeah, and the cool thing is there's a lot of virtual appointments happening now in the counseling world to where, who knows, he can move a lot of those people with him to Oklahoma. You know, I wonder if those virtual folks that Deloney endorsed better help. I wonder if they do contract on the side, if you could just get in contact with them and just join as one of their counselors.

And just join as one of their counselors. I think they probably do. That's probably what their model is. Yeah, a network of counselors that they trust and vet. So I think it's a great option for them as well to get started. Probably not some kind of big non-compete there for building your own practice on the side, as long as you're not stealing their customers. I would think.

That's the kind of thing I would look for now check better help and see if they're hiring on a contract basis and if that'll fill in the difference while you get your uh license moved of course you probably got to get the license moved if you're going to move physically before you can do that but anyway yeah to the point it's not reciprocal it takes three months he said so okay anyway you just got to work through your logistics here but where you need to end up is doing something you love dude you were put on this planet to help people with with your council skill now fill up your pipeline and that will do away with your need for benefits and stability because those are an illusion benefits and stability both come when you make

money lots of it fill up your pipeline over full over over full. Raise your rates, hourly rates that are the highest in the market because you're the best in the market, and you can't get in to see old Tyler for six months because old Tyler is the best. And that's where you need to set yourself up four years from now. This is The Ramsey Show. Thank you. Bye.