The Ramsey Show - App - You’re Not Liable for Your In-Laws’ Stupidity (Hour 3)

Episode Date: August 15, 2023

Live from the headquarters of Ramsey Solutions, broadcasting from the pods moving in storage studios, it's the Ramsey Show, where we help people build wealth, do work that they love, and create actual amazing relationships. Rachel Cruz, Ramsey personality, number one best-selling author, co-host of the Smart Money Happy Hour on the Ramsey Networks, and also my daughter is my co-host today. Open phones at 888-825-5225.

Todd starts this hour in Phoenix. Hi, Todd, how are you? Rachel? Hey, Todd. How are you? Rachel? Hey, Todd. What's up? I'm just calling up to ask, how do I protect myself from inheriting a timeshare? And to add a little context to that question, my in-laws, they have expressed to my wife and i and uh her siblings have also expressed uh their their uh they they don't want to to inherit the timeshares either so

um is there anything that that we need to do my wife and I, to protect ourselves? So the kids have figured out that timeshares are basically legalized fraud, one of the worst products on the planet, but the parents hadn't figured this out yet. You know, they love it. They think it's the best thing in life. So what I just said, you guys hate it, they love it. The parents still haven't figured it out. Okay.

So basically a timeshare is a liability. It's a bill. It's a problem, which is what you're saying. And I don't want to inherit a bill. Well, you don't inherit a bill. So you're not going to end up owning this. It's not going to be transferred to your name under any circumstances because you won't sign the transfer papers.

You're just going to give them the old uh salute no thank you right now now could the timeshare company foreclose on the timeshare and they can come back against the estate but they cannot come back against you so they may take some of the parents' assets, likely will. Likely will screw up the estate, but it's not going to come against you. It might come against what your wife would have inherited from her parents. It might mess that up, but it's not going to mess you and your wife up because you're not liable for your in-laws' stupidity. Does that make sense? So what they're doing is they're poisoning their inheritance

todd would there ever be a conversation with you guys to tell them that yeah we i mean do they know that you guys don't want it yeah so so my wife and her siblings they have had that conversation and um but you know we've all i guess benefited from the time shares they you know they like i said they they love their points they they use them and uh you know they they provided you know room accommodations for us on trips and stuff but you know when time comes i time comes. If your mother-in-law buys your hotel room, it's the same thing, except she doesn't end up damaging her estate later. Yeah.

Yeah, I think you guys need to explain to them that this is going to mess up their estate. Yeah. All right, well, this is good news, knowing that it can't ever come to my wife and myself you can't because you you do not inherit debt but the uh and this is debt it's a bill it's a liability but you but but the estate does have to stand good for the estate so anything that they own stands against anything they owe but you do not inherit debt.

That may not be an issue, then, because they did express to us that whoever the timeshares will also receive a cash account, I guess, loaded with $20,000 to pay maintenance fees. No, I don't want the $20,000. I don't want the timeshare. Keep the stupid thing. Throw it in the trash. No, no, $20,000 won't want the 20 grand. I don't want the timeshare. Keep the stupid thing. Throw it. That's right.

No, no. 20 grand won't even touch. People pay 20 grand to get out of these dad-blame things. All the time. I mean, it's just, it's a horrible business. Full of fraud. Full of scummy operators. It's a filthy business.

And, yeah, you don't want anything to do with it. No, under no circumstances are we taking this timeshare. You can't give us enough money to take it. It's like it's a poison pill. All right, so that's really, yeah, I was just seeing if there's any other stuff to protect myself. Yeah, you're fine. You know, how do I protect myself from my mother-in-law going $80,000 in credit card debt?

You don't have to because you're not liable. But you're not going to get any inheritance because when they sell the house, they got to pay the $80,000 in credit card debt before you get anything. What you own stands against what you owe when you die. But children do not inherit debt. It will affect what they inherit because the debt has to be paid before there's any distribution net of the debt and so the stupid timeshare is a debt and it's an ugly debt because it's very hard to get rid of you get stuck in these things and one

lawyer calls it legalized fraud and again we've worked with the timeshare industry they are the filthiest nastiest lyingest bunch of thieves i've ever seen on the planet they're horrible they feed on old people they feed on dumb people they just it's awful so they put old people in buses and ship them over there lock them in a room and keep feeding them pretzels until they buy a dadgum timeshare it's awful they're horrible business so have i been unclear i was gonna say how do you feel how do i really feel about timeshares it's an end man i'll tell you i can't it's gross yeah you know You know, other industries do bad things that are not good for you, but this industry is particularly scummy.

I mean, like the credit card people, credit cards are stupid, but they're straight up. They just say, you know, it's 28%, we're going to screw you, and you're going to love it. And people just go take it, and they just, you know, sign their – But they can cut it up and get rid of it. I mean, like there's exit plans. At least you can get away from them.

Yes, yes, yes. I mean, whole life people. You know, we're going to take all your money and give you almost no insurance and make you act like, and somehow make you think that that was a smart idea, and we're going to screw you, and you're going to love it. But at least you can cancel the policy, you know. You know, car lease. At least you can get out of a car lease stinking

timeshares man it's like a oh yeah sorry you just got me all riled up todd i hate these i hate that and they pray too on and old people and dumb people well yeah yeah but they they go and they target obviously specific people they see out at a hotel. And they're like, hey, we can rope you in. Yeah. And knowing that they probably don't even have the money to pay for this. I mean, like, it's, yeah. I'm playing golf the other day down in Dadgum Cabo, and this guy comes up and he goes, hey, you want your golf free?

And I'm like, yeah. And he goes, all you got to do is sit down. Oh, get away from me. Sit down. You should. I'm going to take a 7-iron to your head. You should. Knowing that you're not going to sign up for it.

For a dadgum round of golf, I'm going to sit and listen to your crap. Not a chance. Unbelievable. This is The Ramsey Show. 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 take care of over $11 billion in medical bills since 1981. And CHM has also helped them stay true to their values and avoid miles of red tape. And CHM support goes far beyond meeting financial needs. They'll also help meet spiritual needs. Members become part of a family who will pray with them and for them when they experience a medical event. So listen, y'all, there's no better way

to take care of healthcare costs. CHM programs start as low as $98 a month. So learn more today and join at chministries.org slash budget, that's chministries.org slash budgets at chministries.org slash budgets. Rachel Cruz, Ramsey Personality, is my co-host. Teresa is in Little Rock, Arkansas. Hi, Teresa. How are you? Just fine. And you? Better than I deserve. What's up? Well, I am knocking on the door of 61. I have no retirement money saved up whatsoever. I've been working the baby steps.

I've got my little thousand dollars. And hopefully Social Security will still be there when I retire at 67. My question is, even though I'm in the baby steps too, my company matches 4%. And I'm just wondering if I should go ahead and be putting that 4% into my 401k even though I'm still in baby step two. So you're 61 and have no money?

None. What do you make? I bring home roughly $67,000. What is your debt? A little over $69,000. On what? Student loan is $11,000. I have a car loan of $11,000. I have a car loan of $18,000.

I have a personal loan of $12,000. And then I guess you could say another personal loan of $26,000 on a tractor. Why do you have a tractor? Well, we're country folks. Oh, we. Where's your husband? My husband is 75. He's drawing Social Security.

He is basically disabled. Okay. I guess you could say he has COPD and emphysema. He's had three back surgeries. So he don't need to be on a tractor. No, I use a tractor. No, I use the tractor. Not anymore. Broke people don't have $26,000 tractors.

Well, I have tried everything I can to try and sell this thing other than just letting it go back and letting them sell it for whatever they can sell it for. Tractors are selling right now. What kind of tractor is this?

It's a Kubota. That tractor will sell. Well. You haven't tried to sell this tractor. Well, when people say that they go buy a brand new one for the same price of what my payoff on it is. Well, your payoff is a personal loan. It's not a tractor. Does it have an actual lien on the tractor yes okay with who who do you owe kubota uh yes okay well i would go to the credit union and borrow the five thousand dollars worth of

difference and get this tractor sold and you need to sell your car too you guys are in emergency mode girl you don't buy a 26,000 hour tractor when you're broke well this was two years ago before i discovered dave francie this past march all right what is your land over yes what's your land worth? Probably about $3,000 or $4,000. Your land is worth $3,000? Yeah, we bought it back in 1902. I'm sorry, per acre? No, for the whole seven acres. You have a $26,000 tractor for a four thousand dollar piece of land well we hunt and i use it to clear deer leases and our hunting area and food plots yeah i told

you i was country girl i'm not criticizing country i love. I was over bush hogging last weekend on my farm. So I got that. Just because it's therapy. But, yeah, but okay. I admit, it was a stupid purchase. Yeah, yeah, it is. Yeah, spur-of-the-moment purchase. Yeah, okay. It gives you joy, but not as much joy as being broke is stealing from you.

Right. Yeah, and you're starting to look up and go, I need something to eat other than social insecurity when I get to 66, 67. So, yeah, if I'm in your mode, I am so scared. I'm going crazy, and I'm selling tractor. I'm selling car. I'm going to get a $2,000 car. I'm going to work like a crazy person.

Are you leasing the land? Did you say deer hunting lease? Are you leasing it out to people? No, no. It's land that other people own that has given us permission to hunt. We're not having to physically pay for a lease. Oh, you don't have to pay a lease, but you're not receiving any lease money on your seven acres? No.

Okay. All right right that's what i was trying to get to okay all right you have seven acres and literally the only value of it is four or five thousand dollars yes it's 500 bucks an acre is it mountain land or something no it's it's just it's in between a bunch of uh heirs that and nobody i mean it's paid for i know i know but it's just hard for me to imagine land that's that cheap five hundred dollar an acre land in arkansas i can't i mean you must be piping sunlight in there okay we are all right we are all right i got you girl only god knows where we're at i love it i kind of think i'm like, I think that I've got a feeling it's beautiful. I really do.

It is. But anyway, okay. So, all right. Selling car, selling tractor. Get rid of the car, get rid of the tractor. What's the student loan? Teresa, why do you have an $11,000 student loan? I've been paying on it since 1999 and did not take advantage of paying the last three years.

Okay. Okay. So you've got to get in high gear mode because if you'll get this mess cleaned off, you'll have plenty of money to save and invest. But you've got so many payments coming out, you ain't got any room in your budget to invest. And that's why we tell people to clean their debt before they take advantage of the match. Yeah, so the short answer, don't do the match right now. I want you debt-free in a year by selling everything in sight.

I want your husband afraid he's going to be sold next. Okay? And every deer in the area needs to be afraid you're going to sell him because you're going to shoot him and put him on something and sell him. I mean, oh, my gosh, you're unbelievable. You've got to scratch up every dollar you can, clean everything up, and knock this out as fast as you possibly can because you don't have any money to invest.

You don't have any room in your budget with what you described to me. And as you said, you've you got you know as you said you got six years so we've got we got to make we got to make hay while the sun shines and you got to get with it and um and teresa it's going to be it's going to be extremely uncomfortable just know that going in but it's going to be really uncomfortable being 82 and zero money a hundred percent and a rusty track but you're you know what i mean but i'm like after decades of living a certain way untangling that is much more difficult i think than when you're living some some way for five years and you're you know i mean you're

you're taking a life theresa and you're turning on its head i mean you're going to be doing some really yeah newer ways of thinking that are going to feel very uncomfortable but keep pressing through even though it's hard and every time you do something smart every time you do something smart i want you to say i'm doing this because i'm a country girl i don't want you doing anything else dumb and say i'm doing this because i'm a country girl quit blaming dumb stuff on country girl blame smart stuff on country girl because country girls do smart stuff and and you know this is what this what you're about to do you're about to do some really difficult things and people in your life

are going to think you've lost your dadgum mind but what you're doing is you're trying to secure a reasonable last three decades two decades of your life you know and and that that's very important to fight for it's very important to fight for and it's possible Teresa we've talked to people it's gettable five years from down from where you are and it's a completely different situation so you do you it's never too late we always get that question is it too late it's not too late you know and not too late but you're trading a $26,000 tractor for $150,000 in your retirement you're trading a 26 000 tractor for 150 000 bucks in your retirement you're trading an 18 000 car for another 100 000 in your retirement you could have a quarter of a million

dollars set aside with match if you'll get your butt out of debt now by the time you hit 67 68 years old you can get there if not maybe maybe 200 maybe not two and a quarter or maybe not 250 but you can get to where you don't have this sense of being broke. And then if you want to go buy a $6,000 tractor to play with out of your $200,000 and your $70,000, fine, go do that. But otherwise, don't. No, no, no. And blame all smart things on being a country girl. Don't blame dumb things on being a country girl.

This is The Ramsey Show. Rachel Cruz, Ramsey Personality, is my co-host today. Open phones at 888-825-5225. In Maine is John, Portland, Maine, to be exact. Hey, John, how are you? Hi, how are you?

Better than we deserve. How can we help you? Yes, so I have a question regarding my 40K of student loan debt. Once I pay off roughly $15,000 of other debt, do I make a charge to pay off my 40K of student loan debt or use a Maine tax credit program that over 10 years would result in me paying 5,000. The program would refund me my payments on as a refundable tax credit and should the program fall through at some point in three years or so down the road, I plan to have the

money saved to pay the loans back immediately so that I get rid of that debt. But is it a wise thing to just make a charge at it, disregard the program, or let it go the 10 years and pay the $5,000 over 10 years? Pay it off, John. Yep, disregard the program for many different reasons. But one of them is just that you have the ability to pay this off and you will be debt-free on your own regardless of a program or the government's assistance, whatever it is.

You have the ability, John, to pay this off and to be debt-free and to move on with your life. If Maine had a program that would give you $5 thousand dollars in one year while you're doing it anyway yeah we would take it but maine has a program that keeps you in debt for 10 freaking years i'm not standing around in this sewage for 10 years no way yeah get your life back what do you make i make 65 000 at this point what do you do look into i'm an electrical engineer in the power industry okay how long you been out of school uh just a couple years i did just switch jobs right i took a little bit of a pay decrease to just transition to a better work culture, as you definitely allude on in your show. Yeah, because you're not making much for an electrical engineer.

That's why I'm kind of like, whoa. Yeah, no, I had to take a bit of a pay hit and transition to a different line of work. What other debt do you have, John? My other debt is roughly $15,000, $12,000 in credit cards to get me through school, and then I have $2,500 in personal loan. You know most electrical engineers make like $100,000, right? Yes, and that's more, you have a couple years, more than a couple years of experience, around five and maybe a P2, but I'm only a couple years out. I would like to see myself around 80.

Yeah. I'm making some changes to try to see if that can happen. All right. I just didn't want you to be settling down there about 65 cents on the dollar where you should be ending up, because you've got a great degree. That's a wonderful degree. you've got a great degree. That's a wonderful degree. You've got a great choice. By the way, the number one career field of people that become millionaires in America is engineer.

Number two is accountant. Number two is accountant. Number three is teacher, just to kind of give you an idea. So that's, and we did the largest study of millionaires ever done. That's what we found. So you're in a great place. That's why I'm rooting for you. I think you chose well there.

But yeah, let's get the debt cleared off as fast as we can. And the opportunity cost on your life, what you could have been doing with your life while you were screwing around for 10 years with the state of Maine is not worth it. Get this stuff paid off yesterday. Take six jobs, sell stuff, get it cleared up really, really, really fast, and go have you a wonderful life. Yeah, and the student loan conversation is big because I think there's 40 million Americans that student loan payments will be hitting in October.

And it's something that we're actually going to address on our live stream on Tuesday, September 12th. It'll be at 7 p.m. Central Time. It's free, you guys. So make sure to tune in because the student loan, there's so many of these types of things, of these programs. And even with everything that happened at the Supreme Court, I mean, there's all this stuff. There's all this chatter. Yeah. How did we get here?

Where do we go from here? Yeah, and so being able to kind of just like clear all the messages that you're hearing and all the programs and all this repayment stuff and just say, okay, hey, what can you do? How can you take what you can control and knock this stuff out and to finally be free of student loans? I mean, our last segment, you know,

there was a 61-year-old who had been paying on it since the 90s. So like 99. Yeah. So you guys, I mean, this is a it's a it's a big conversation to have, but also one that we feel like we're able to help direct and guide you. So make sure to tune into that live stream. It'll be actually Dave, you, me, Jade Warshaw. And we're going to talk about this. And for, again, a lot of Americans, these payments are going to be hitting here in the

next couple of months. And it is scary, right? Hundreds of dollars now that you may not feel like you have the margin for, you're expected to pay. So we're going to help you with that. September 12th at 7 p.m., student loan debt in America. How we got here, how we get out. Go to ramseysolutions.com slash studentloans.

Sign up for the free live stream. We'll furnish it to you. We're expecting over 100,000 people to view that, and we want you to be one of them. Spoiler alert, we're going to tell you to pay them off. I know you're shocked to hear that we're going to tell you that, so just let you know right up front that's how it is. We're going to show you how, though, as well, walk you through. Exactly, just like we just did.

Different scenarios, yeah. Shirley is in San Antonio. Hi, Shirley, how are you? Dave, I'm honored to be speaking to you today. I've been a fan for years. Well, I'm honored to talk to you. How can we help? I want to know if we should help our daughter pay off some debt.

She's got, she was in credit card debt, a couple of credit cards, about $50,000, two of them. Wow. And, well, back the first of the year, she kind of drank the Kool-Aid, and she called them up, and she made a deal with one to pay on that card at zero interest. The other one agreed to 2% interest. Good. So this girl makes $62,000 a year. She's not a girl.

She's 56 years old. And she is paying these guys $850 a year. She's not a girl. She's 56 years old. And she is paying these guys $850 a month. And I just feel like I'm watching my daughter as a rat on a wheel. What does she make? $62,000. So if you help her, are you giving a drunk a drink or are you helping her for the last time ever use, she's never going to use drink, or are you helping her for the last time ever use, she's never going to use credit cards again as she learned her lesson?

Yeah, yeah, yeah. How much are you going to give her? Well, my question to you is, I've heard you in the past tell people that are in debt like this to call the credit card. Like if she owes 20 on one, tell them. Is she behind with them hello surely surely we lost you if she i think we lost her if she's if we're behind try see if you guys can bring her back up i don't think you can i don't know i'll put it on hold

y'all work on it um if she is behind you can settle it for pennies on the dollar. If she's current, you can't. If she's got a deal where she's paying them $850 a month, you probably can't. If you are going to give her some money, I would only do it on a matching basis. Like every time she sends you a receipt for, I don't know how much you want to give her, but if she sends you, you know, tell her you're going to give her, time she puts a thousand and you'll put a thousand in or something like that if you got that much money and that's how much you want yeah and making sure too surely that you are in a position that you're able to do that that's assumed and I would dig into like what that

fifty thousand dollars what like what was that right and understand that hopeful you know that it doesn't need to be a pattern in her life that this is like the thing she just goes to all the time um but to really oh line six good we got her back we got her back all right so surely we're about we're about out of time surely but are you there i'm here okay is she behind on this debt? No, she's not behind. Then they're not going to settle with her. They're only going to settle if she's behind. How much money have you got? We could pay it all.

No, I mean, are you a millionaire? Yes. Okay. So I would not pay it all. I would match whatever she's doing. If you think that her behavior is permanently changed no more drinking if you're going to give a drunk a drink don't don't be an enabler but if you're assured that her behavior is permanently changed and you want to match her she puts in a thousand

you put in a thousand she puts in a thousand you put in a thousand that kind of thing i'd do something like that let her sweat through this a little bit to solidify she never does it again our scripture of the day proverbs 27 17 as iron sharpens iron so one person sharpens another john wooden said whatever you do in life surrounds yourself with smart people who will argue with you oh i have done this this i have done that's his wife that's an art form for me that is so great i've never heard that from wooden very fun reggie cruz ramsey personality is my co-host today. Tina is in Pensacola, Florida. Hi, Tina. How are you? Hi, Dave.

How are you guys? Better than we deserve. What's up? Okay. I have a question. I've been following the baby steps, but I'm doing them out of order. In 2020, we did FPU, and at the same time, before the nine-week class was over, my breast cancer returned after 10 years of being gone.

So we kind of did things out of order because of that. We piled up cash and went into the emergency mode. Yeah, we don't tell you to work the baby steps when you're fighting cancer. We tell you to work the baby steps when you're fighting cancer. We tell you to pile up cash. I'm stage four, so I'm always going to be fighting. So we've paid off $46,988 of debt in these last three years, but I still have $9,052 to go. And we have our fully funded emergency fund, almost fully funded. It's $12,000.

And I'm antsy to get that $9,000 gone. At the same time, I'm scared to take out the emergency fund and pay off that debt. What type of cancer do you have, kiddo? Stage 4 metastatic breast cancer. How old are you? 56. 56.

Okay. And so it came back with a vengeance three years ago? After 10 years of, yeah. I was diagnosed in 2008, and then it came back in 2010. And then both of that was just a reoccurrence. And then in August of this month, August of 2020, it came back at stage four in my lungs. I'm sorry. I'm sorry.

I'm stable, but I'll be in treatment forever until I'm not, obviously. So, yeah, I don't think this is a baby. I would not say you do the baby steps. Normally, when someone's going through a chemo and trying to get towards remission, which is not your diagnosis. Correct. But we would say stop everything. Don't work on the baby steps. Pile up cash.

Fight cancer. In your case, you're electing to fight cancer while having some savings and fight debt, right? Correct. And so we're not going to call this the baby steps. This is just your choice. Instead of just piling up cash only, you're saying part of my walk is I want to go ahead and hit this debt. Right. That's what I'm hearing.

I want you to know what you're doing is you're saying it's a modified version of piling up cash is all it is. Okay. It's not a modified version of the baby steps, and that's okay. I mean, it's a nuanced difference, but so the point being that there's not a baby steps answer to this. It's more of a thing of you have how much in your emergency fund now? $12,193.98. And what's your household income? $3,900 a month after taxes. And you have $9,000 in debt left. $9,000.50 or $9,000, $9,052. Yes. Okay. I mean, we're able to, our, our, our expenses are right around 2,100 a month because we own our house.

Um, but in Florida we're getting hit high with insurance. So, um, our expenses are 2,100 a month. So we have, I've been putting 1,800 a month, well,

1,500 a month towards that $300 a month, keeping it for other things that come up that aren't planned for, so we don't have to touch our emergency fund. Okay, here's the way I'm analyzing this, and you tell me if I'm wrong because I don't know. But sitting in this seat, I've had this discussion with people lots of times over the last 30 years okay and so what I understand about cancer and I've never had it and I've not had you know my spouse fighting it but I've had lots of friends and lots of people

sitting in this seat I've talked to about it. It's very, very important that you focus on winning the battle, right? Yes. I mean, you have to focus your emotional energy, your spiritual energy on winning, right? And so having said that, then I would tell you that whether you add to the savings or whether you pay down on the debt, the answer is which one gives you the most peace, because I want you to have the most peace so you can concentrate on the most important things living. OK, that makes sense. There's not a wrong answer yeah so for for you tina you may say i would feel more peace with this nine thousand dollars gone you know like or for some people it's like nope the minimum payment's fine i just want some cash over here right so it's kind of

this you choose your journey with where you're at of what gives, what, what gives Tina the most peace. Cause you need, you need peace cause you need power. Right. And, and you've got an amazing, you got an amazing tone to your voice. I'll just tell you,

there's a lot of joy in your voice. There is a lot of peace that I have. And then I was getting six months to live, I'm 36 months later. I'm good. So, yeah. So and talk about it with your spouse, too. I mean, what gives you guys the best quality of life right now? And, you know, it might be that, you know, we'd rather instead of having 12 000 we'd rather have

22 000 um or instead of having 12 000 i'd rather have 3 000 and no debt um you know what you know rachel's right you choose your journey and that's what i'm telling you because that all of that is a modified version of piling up cash the reason for piling up cash and pushing pause on the traditional baby steps is to give you the power the emotional spiritual and even financial power to lean into this fight and uh to enjoy the ride uh and uh so as much as you can and And that's what we want for you. So you're smart. You're game on. There's not a thing in the stupid column. Fight, fight, fight.

That's what we want for you. We want you to have the peace of a warrior to fight and to go into this and not be going, oh, I'm doing this wrong by Ramsey. You're not. There's not a wrong pile up cash or pay off debt what gives you the most power what gives you the most peace so reminder when you have storm clouds in your life folks or when you have a unexpected thing you get a job layoff you get a a baby on the way you're fighting you get a cancer diagnosis you get

a whatever like this it's not modifying except you just stop the baby steps and pile up cash you can come back later with a pile of cash and restart so if you pile up 50 grand file pile up 100 grand and you know you could push play again and run the table yeah on baby steps one three, you know, just like that. You know, if you got a big old pile of cash. But in the meantime, you can concentrate on what's important, which in that moment is the storm. Yeah. Get it running into the storm, not from the storm. That's right.

And it's the old story of the buffaloes on the plains run into the storm. That way they're in the storm not as long because the storm goes over them faster since they're running into it. And cattle run with the storm, so they end up staying in the storm. So be the buffalo. Be the buffalo. Run into the storm. That's the old story, and that's the thing. So praying for you, girl.

If you can help you in any way, your husband in any way, y'all call us and let us know. We'll help you any way we can. This is The Ramsey Show. We'll be back with you before you know it. In the meantime, remember, there's ultimately only one way to financial peace, and that's to walk daily with the Prince of Peace, Christ Jesus. Hey, it's Rachel Cruz.

If you like what you heard in this episode and want to know more about getting started on the Ramsey Baby Steps, go to ramsesolutions.com and click the get started button. We'll help you figure out the best next step for you based on your specific situation. That's ramsaysolutions.com and click get started.