Keep Hustling: You Have Power Over Your Debt
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This is the ramsey show. AmErica throws the heavy with this. This is where we help you win with your money, win in your work and win in your relationships.

The phone number to jump in a triple, late eight, two, five, five, two, two, five, triple, eight, eight, two, five, five, two, two, five is the phone number alongside the increasable, the fabulous jade warshaw I am can common, and we're here to coach you up today so we get those money. questions. Got some work, really the question.

Hi, I need some more income. I like helping people make more money, money, money the way if you're the rainy show and we help you make more money IT doesn't come with more problems Better. Not not here.

Yeah, we have a good kind of money.

That's right. So let's get right to IT joshi is gna start this off in a gust main. Josh, how can we help today?

Um so I got A A bit of a strange problem here.

Perfect jay love strange problems.

problems.

So perfect IT might not have a strange and explain IT. Um i'm twenty five years old. I I own my own home. I built a construction company. I make about one hundred and thirty thousand a year um and i've got a real programmer for building my income, building my business, building my personal wealth over time.

great.

And one of the things i'm really struggling with and i'm looking for a non BIOS opinion because you don't have friends are they are great but you know you can only get so much um i'm looking for any sort of advice on how to select the partner is not remotely interested in my position in life. You say have a lot .

of are you talking about business partner or romantic partner?

Romantic partner .

touch you your position in life. I mean.

I just at twenty five on doing fairly well.

Tell us what that means. What's your net worth?

networks. Like are you saying if I my business networks or if I were a little date.

you don't have that much? My first question, I listen. I appreciate that Young man said only five, and you have a proclivity. Great word.

by the way.

that I am a big fan of procurement of just used to twice there because I like the way IT sounds to make a lot of money and all this because I don't know we don't know that you're twenty five. Um appreciate your confidence. But if the question how do I make sure I find a girlfriend who's not into me for my position in life, I go I don't know that I want to find a woman who's not interested in my position because that position in life is the way i'm hearing .

that is um you got ta provide .

position leads the provision. J OK you right hanging out the trailer park? Are you dating women that are in poverty situations?

I try not do, but say they talk up.

Ah so listen this good listen don't listen if if you are dating i've got a very careful say I .

got you .

here to correct way but maybe no let me .

say IT no if i'm trying .

IT I got i'm changed. Dc, right? Make sure my wife is right beside me and I think of what would dc want me to say because she's a good woman.

If a woman who is in poverty pops up into your dating life, I don't have a problem with that. People deserve dignity and there's lots of great women and and lovely women and lovely men who come from poverty. So i'm not cancel IT out. However, if a person from poverty pops up in your dating life as you be going to date them, you should have some discerned there to go. Am I A ticket out?

Yeah or and so you just .

have to have some extra judgment and designate there. I wouldn't cancel them out but at the same time um I won't necessarily be you know hanging out those areas either. So i'm trying to walk the fence there. I just think that he has to be worried about.

I think is a problem. I both ways the same way you are all that sub matters to your point, your station and life with your work ethic, what you're accomplishing that part of the resume, you the personal resume.

And so the same way that you have built a personal resume that people will learn about as they get to meet you, you will learn about their personal resume as you meet them and learn about them, and you get to decide who gets the position based off for their personal resume. And so there's nothing wrong with that. You open up the call talking about this was a stranger weird problem. And I don't think it's strange at all. I think it's just part of everyday life when you meet somebody and you get to decide OK this person going to be somebody that I am going to be friends with or is this person going to be somebody that I date long term?

Um have you had a lady? You said that this has popped up a few times. So if you had someone that has come from extreme poverty, that is date to you, and you felt like they were only date you because you were, uh, uh, a meal ticket out, yes.

IT happened to me more than once.

How you, how do you know, tell us, be very specific. How do you know, when did you know that he was only after for your money?

Um that happened a couple of months and about three months and um I noticed at first he was very big. On baLance as far as our personal time and psychological investments. And now we're able to talk and work things and figure stuff out between us as people. K, but as time goes on, IT turns more into what kind of life you can provide for me and my future children. And and there is no reciprocity .

besides .

physical, which to me is now it's going to value.

But i'm not sure .

not sure I understand .

and I want to understand. I agree.

you're not been specific enough.

There's part of IT that I think IT is part of the conversation. Maybe maybe and you were there. I was not there.

Maybe she's saying, hey, here's what i'm looking for in life. These these are what I D consider gender roles. I would love to be in a relationship where maybe the guy works.

Maybe I stay at home with the king SHE could just be sharing that. That's something that she's looking for. And I did. I miss IT.

or I think she's right. Judge, did he say I want you to buy me this and buy me that? And I mean, was IT very obvious, or is this just A N. G. Young lady talked about what life might look like?

In separate instances that spend both well, you're worried about .

stuff you shouldn't be worried about on that. Let let me know, you put this way. J, when you insane got serious, you know to me, yes, I do.

What were you thinking? Like what you what were you wondering about something? My exact .

words were you got to come correct. Those were my exact words, meaning I I have a high standard of work ethic. And what we both do.

did you ask him about this professional future? And what .

I said that I was i'm a go getter. You a go getter like everything we do, we do one hundred percent like that was the standard is like if you if you're going to be around me, you ve got to come correct because i'm an intense person. And so that was that on that.

right? I'm put in josh on hold here. I I said what I said what what your daily do. I think he needs to be in Better pools.

He Price needs to be in Better pools. I've also think that and I don't say this to be there's no sult or shade on this. I do think that he's viewing himself in a light .

that's a little bit fy hundred hundred.

And so I think that if he just kind of choose a little bit, everybody's not after him. You're doing well, but you've not like .

you don't have a proclivity to build wealth yet. You're twenty five. Can I just say that? Yes, I will come all .

in so you're .

doing well well to get a good group friends. You can discern on the ladies forum that always helps. This is the angry show. We will be right back.

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Welcome back to the round show. Triple ate eight, two, five, five, two, two, five is the phone number I can commonage worship is along side. The early black friday sale is here. I didn't even know there was such a thing as early black friday.

So what black ride is a day after thanksgiving? ving? yeah. So this is early.

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Now go arrange these solutions doc com slash store to check out all the Christmas deals you're listening on youtube or podcast. You can include the link in the shows notes for those deals. All right, sirs up in phoenix ZARA zona. Sarah, how can we help today?

Thank you so much for taking my call.

You what? So I am curious .

on your thoughts on once you have paid off your consumer debt. And I have been in eight forty, has been married fifteen years, pay off about one hundred and fifty thousand dollars and student loans when we first got married. Now we've got three kids.

And i'm just sort of looking at how our expenses keep growing every year of the combination of kids and inflation and lifestyle creep. And just sort of curious on that baLance of you know the intensity from where we started our marriage to the intentionality and and and how you baLance that in a way that's honner's the hard work and being mindful of the future? Yes.

I think that's a great question. So would you consider yourself on baby's step five? Baby step six, whats the plan?

Where are you four five effects um we still have um um about on our markets.

okay. And you're still putting aside for kids college, yes okay for kids college. Yeah I think there is uh you you said all the right buz words, which is at this point you're moving from uh intense to intentionality what you're right and the way that intentionality baLances with um the idea of I still wanna enjoy my life, at what point does IT become uh quote on quote, lifestyle creep because lifestyle creep kind of has this negative kind that if i'm increasing my lifestyle too much i'm putting myself kind of a in a in a red zone or in a place where i'm not being financially smart, right?

And so the way I like to think of IT is, first off, the reason that we do the baby steps is so that and you get to fill in the blank on what the so that is so that I can live in a nicer house, so that I can ah travel more, so that I can go to more my kid's sports games, whatever the so that is um chances are IT does cost more because this is a whole money thing right and so for me, where the burial lize is, as long as i'm doing all of the things that would would cause me to be a financially responsible adult, it's okay for me to increase my income and therefore increase my lifestyle right? So for you, you're a baby steps Walker. I kind like to filter this through just a general kind of five pillars of personal finance.

Am I A person who keeps in sticks to a budget monthly? yes. Okay, great. Check that box.

Am I A person who is out of debt and values never going into dead again? And i'm putting that and have put that into practice. yes.

Am I A person who Carries the proper insurances? I've checked all the boxes. I've done all the stuff. I checked my coverage yearly. I Carry what I need to, okay, I do that check.

And I A person who has valued savings and investing for the future, whether that's emergency finds, whether i'm contributing the right amounts to my investing for the future, right? Check that box. And am I A person who prioritized generosity? If i'm doing those five things, i'm also working on my baby step.

Yeah, increase your lifestyle. Knock yourself out. Have a good time. That's what it's about. It's not about.

I have to limit myself like this all the time, all the time. Otherwise what was the purpose? What was the point?

Yeah, I agree. I think I would add to the sera is I think there's three questions that even now i'm constant asking myself because we get we've got three teens ones in college. I got two drivers.

I got a third one on the way. I mean, I feel like i'm run in a garage service. I got so many cars in my house and and I think there's three simple little questions, and this is about intentionality.

So maybe this will help. Here's three questions I could do IT. I should do IT. I must do IT. So it's like.

could I do IT?

What should I do and then and then must I do IT? So when I think about things, if it's in the most category, we ve got some values that are driving that decision, right? This is the important stuff.

If i'm in the, should I do this? Well, we still get values driving their question, but it's not apparent that IT is fundamental. It's just okay. Do I do this like ah you i'll tell you, I got one of those right now to drive on the outdoor dress on okay.

good.

That's good. Should I I mean, should I should I do this? And i'm doing my research and I want to go down the rabid .

trail and wait through I well.

it's an expensive purchase. I mean, it's not a five hundred lars purse of i'm looking at IT go on. Should we say in I, should we do this?

I've got, uh, I ve got to a car for josey who turned sixteen and couple weeks. We're doing the home work on that. No, she's not going to ready to drive right away, but he will be close.

You short looking through other things. I got a college kid and get work cash, a lot of that. So I start walking through, okay, that's a, that's A A sizable purchase.

So i'm going should I do this? So I start to wait. It's got a lot of health benefits, and i've already gone down that you really good first.

I in our health no uh, IT has all of those positive benefits. Uh, we've got space for IT. I got a space for an outdoor space.

You you've been over the house, you know I OK it's not going to cram up anything. It's A I got the cash for IT. It's not to hurt me and you're .

still doing all the .

other things that still do all the things. So i'm in the place of going. I'm walking through that even at the stage where i've got the money. It's i'm not gonna feel IT, but I do feel that I still go sizable purchase, yes.

And do we do IT now? So then dac, I change our Christmas plans for each other and go this is what we're going to do to me. All i'm saying is i'm using a super simple thing that I like to walk through.

Could I do IT? yes. Should I do IT while we get a rest with that? And then the must I do IT? I think maybe that will helps there with staying in view of your values so that you know your values are right.

your money is is going to be right yeah and the truth is your values change and get to change throughout this process. Something that would not have been important to you. Maybe three baby steps ago could become important to you now and that's also okay um so just a little permission .

you see him call some gahle s go on this trip i'm going and right .

to shoot I oh okay yeah .

because we have marginal life that is there. So but there are times in life for is going on no good.

yeah. No private jet? no.

IT, no, no. yeah. Could I know the answer? no.

So um you, sir, I hope that helped you. I think you need to give yourself permission. I I J did a wonderful job is set in out. But I I hope those little that just keeps you I think you're worried about your doing something dumb, and I just don't see that if you've got values online with how you spend your money.

Thank you.

I appreciate that. yeah. Yes, good, good. I mean that that and we see this a lot. J, I want you to share with our audience sits on the front into this, okay, of why we got that phone call there because there are lot of people who are just in baby step one or there in baby step two. And they're just like rice and being being and rice is busy now serious on the other side of that and still dealing with some of that, i'm going to call IT left over intensity yeah.

you put the rubber band on tight when you're on baby step one is like, oh my god, she's like your freezing into a tight .

pair genes I like if you put a Robin on your risk, it'll leave a mark sometime for that skin to yeah .

it's interest and it's like, okay, you i'm not going to use this analogy. I was going to say it's a horrible analogy but you're like in the tight genes and then you get in baby step for, you know, when no one's looking and you can let the zipper down a little bit and you can just listen.

I think every man in amErica identities with being in the genes and you went to the buffet, want to and you get neath the table. No one's looking .

at just a little ir, just a little.

a little breathing top button. Just we go and get a little more stuff in and .

a little bit more.

And you know, my theme is during thanksgiving and Christmas, folks, this is bonus. Eat through the pain.

You want to know what mine is. If is Brown is going down.

there are these folks. That's why you come to the show will be right back.

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The longside jay boro, I can comment, and you have joined the conversation about you in your life. You're on the razi show, triple, eight, two, five, five, two, two, five. Is the phone number here to coach up today? Sean is up next in clive, ohio. sure. On how can we help?

Hi, thank you guys for taking my call. Um so i'm in a bad situation that I can't really get out for munder about three hundred and thousand that mainly I really high. Um I don't have the option to get alone or anything, so i'm considering a voluntary IPO um or banker.

He okay, I want to make sure I heard you right. Did you say three hundred and fifty thousand?

Yes, that does include the house.

How much? How much? That is the house?

The house is one fifty three.

O, K.

O, K, here's the thing. I want to know more about this car because i'm never gona tell you that bankrupt is the way out of this and i'm never onna tell you that voluntary repossession is the way out of this. So let's let's get ahead around the numbers and let's see if we can offer you some Better, Better solutions. I can't guarantee they won't be painful, but I think they'll be Better than what you're talking about. So to tell us about the car, so there's .

two cars. Um one was for my son, who obviously that didn't work out. So first car he is nine ninety two I O about forty nine and it's only worth of about twenty three.

Okay, why is time wait before you go on, you said you oh forty nine and .

its worth .

what now what happened that that cause that steep appreciation is a lot of miles. What's the euro?

Uh, it's a twenty twenty three hundred days in a ruse. Uh, industry is about nine percent.

And you've been paying minimum payments. Have you let me where are you getting the value of IT? Let me start there. Are you going on Kelly blue book? Or did some dealer tell .

you this this little from elements and some offers from like the car mac they give me to around twenty three.

what to drop fifty percent in two years, less than two years. You said twenty, twenty two.

uh, the car is actually twenty twenty three and absolutely no idea. 好， okay.

So add is private seller that what you looked up there like Kelly blue book or ads, if you look at private sale, you selling IT to somebody else.

I believe that value was private. The well, maybe not private .

still .

like you have that listed to. 听到 somethings not right.

I just think .

your numbers are off. Here's what we want you to do so that jay can keep coaching. Here you need to go. Look, Kelly blue book, be as accurate you can on IT. And you're looking at private seller value, the number seems really low and that, that matches up to with water car max or another car elerson, they are going to give you away less for the car because they got to build some profit into IT.

You role about other negative equity into IT when you got IT?

I did have a negative .

that you so how .

much did you roll in? I'm just trying to understand. Do you remember.

uh, honestly, I don't know. I propose these two cars the same day and they did some fancy stuff OK. okay.

So tell me about .

car number two that your son has and by the way, how old's your .

son he is eighteen he no longer has a another carious um so who does .

is seventy two .

um my sister who is helping with paying IT seven .

hundred eighty dollar car payment what's what's .

the alone on .

IT thirty days and what's IT worth?

Um this one is I told me around twelve k but there's damage to IT um so I wouldn't think that would be too much tired.

okay. Um is that the type of damage that is is IT running like is IT is IT working?

IT does one IT does work. There are a few mechanical things, but it's mostly just body damage. IT was sides' okay.

Um r but it's your name on IT even though your sister is Operating and in pain alone is your name on IT.

He's only paying a little bit towards bit. Yes, IT is under money.

okay. So and tell me you said before, like there's no way I can get alone. There's no way I can get out of this because I would rather you, oh, oh another Linda, eighteen thousand, then oh, thirty thousand and I would have rather you oh another Linda twenty six thousand then of forty nine thousand and you see and i'm saying so it's about highly.

highly understand um my credit has change. There's been out a few years unfortunate things that place um so I don't actually have the the ability to even get along at this.

okay. So then in that case, tell us about some of the other deaths that you have and .

then tell us about your income um so the house is once decay is a duplex uh bought IT for the full perfect of having someone helped me pay my mh so I do have a tenant um of eighty thousand and student there on the different OK IT .

wasn't eighty thousand and .

I graduate you but they're not .

the nothing to do on those right now right you're paying almost zero. You should be OK.

Credit cards eighteen and personal, another ten to medical. I recently started working with a nonprofit that managed my company and their and in that but that also very happy. I wish you .

hadn't done that. Um okay. So the credit cards, personal loans, medical that is there anything else?

No okay.

So tell me about your working situation. Tell us about your income.

Um I make about twenty five, ten, eighty six with bonuses at my I work more than full time when .

you say seventy five, eighty six or you telling me seventy five, eighty six per year or you telling me seventy five hundred per month, eighty six hundred per months, tell me, give me your monthly, okay, give me your .

monthly as monthly i'm about you want take on and take home。 Uh, take home is fifty two, fifty six. okay. So here's .

what there's only a couple of ways to remedy this. The first is you get your income up that there is no, there is no other way around this. And then the second thing is time.

okay. So you getting your income up, I mean, you have a great income. Now don't get me wrong, i'm not saying that you're like behind the curve, anything like that, but you've got a lot of debt here.

Um and the whole thing with the car situation, I mean, i'm going to look for anything almost is Better than what you ve got yourself in now truly anything to lower this number um so that you can find some breathing room because paying nine hundred ninety two for one and seven eighty two for another any way that you can knock that down so you can find some breathing room and get further into this um i'm doing IT you know i'm looking at whatever I can to get alone for the difference on these cars to get out of them. Especially the second one because you're not even you don't even need that car, right. Your your your son is um almost grown now basically and he's not driving IT anyway. So you got ta get out of that eighteen thousand find any way to get that that you can come up with um the the duplex um what's IT worth?

Um I think the last time match I feels like two or five.

Okay, so there's not much there. Okay, not much there. Yeah, you're going to have to kin, I mean, there's no superpower on this.

Well, I think I know you. You don't have time to tell us we're run in short on time. One of things I want to do is I want to get I want to get a session with a financial coach because there's so much complexity here.

So hang on the line and I have Christian connect you there. Um but but what you're going to have to do is you can't assume anything you go this happen, this up, this up, I can alone. I would be going to every credit union that you can and locally go.

Here's my situation. I've got a good paint job. I've got a for my expenses and to jays point, you've sell these cars and if you can solid that loan through them and get those payments number, that's a race. Yeah but real .

talk though I mean with her income unless she's investing doing something else after the car payments ah I don't know what percentage her mortgage but her student loans aren't do at all and so that there still thirty five hundred dollars left. So if you're not on a budget, get on one. When I look at the dollars of medical debt, which you should be settling the fifty thousand, and personal loans in the eight thousand and credit cards, there is money here to pay these deaths.

There is something you are, what do you to do right now? And that s to, and you can get out of the hang of the lot we're going to get to you as you with one of our coaches. And that will help you have a little bit more. This is the rams I show.

This shows sponsored by Better help this month is all about gratitude, and most of us have people in our lives that were grateful for. One of those people for me is the wonderful maryland fan in SHE gave me a chance. He told me, boys and professionalism and SHE chAllenged me.

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Welcome back to the rams and show amErica rule that you have joined this I can comment and i'm alongside my friend jade. So so good to have you triple. Eight, eight, two, five, five, two, five.

Is the phone ever to jump in? But before we get back to the phones, we've get todays is question the day, which is always brought to buy a friends. Why refine? Why refine? Refining is defaulted private student loans, defaulted beans when the borough can't make the required payment.

So if that describes you in your private student loan contact, why ref I, they can offer low fixed rate loan built for you. Go to why refile outcomes slash Randy today, that's the letter. Why r fy dot coms flash reams IT may not be available in all states. Yeah, today's question .

comes from Dylan in montana. He says, I fully subscribed to dave's philosophy and personal finance, but here's an issue I don't recall being addressed. What are your thoughts on zero percent financing for cars?

Yeah, yes, we've never done well. That's not .

readily available. Now my hope is that IT will return at some point, perhaps with some manufacturers extending the term for sixty months. I realize this is debt, but its cost free debt, right? Oh boy, let me just .

call out the obvious. If you fully .

subscribed to dave philosophy, then this would not even be on your radar. So there's a holes in the that argument but anyway um yeah at the end of the day, we're talking about risk. That's really all this boils down to, let's say the car that you want is thirty two thousand dollars and you say OK, I can get IT um on a typical term. I think right now the average loan term is sixty nine months, which is ridiculous to be paying six years for something yeah sixty .

nine months ah that's .

a thing yeah the stats .

right now are the .

average new car loan is thirty one thousand seven hundred and twenty two dollars with a monthly payment of five hundred and forty five dollars on an average long term of sixty nine months.

Ah yes, is where I need tomes. Yeah I need just like open the bottle and .

truck a couple of I get zero percent over the same term or okay, a little bit less so five years it's free money but i'm like, okay, think about all that can happen in five years. And so we're again, it's really back to the risk situation of, okay, why Carry debt a when you don't have to and why kerry debt because win life hits as IT will. You're on the hook for that.

So if something we're going to change with your lifestyle, you still have to make the payment. And so for me, even though you're not paying for something at a premium um in this case, A P R interest rate, you're still Carrying dead around your head and around your neck that you don't need to have. And so for that reason, i'm out you .

well think of crazy terms. I cannot believe what I have in front of me. Foxes is real.

This is an actual oracle holding in my hands. What is that? This is the dumas person in america.

That's the title. This is a headline from finance yahoo, yahoo finance. Um apparently of this gentleman, uh, made a thousand hours down payment to joe. The car plug sounds rapidly to me oh my god, as the .

dealer's name.

joe.

the car, oh.

w show the car plug, you begin to see how this thing on raval quickly. And the deal agreed to was jay. And this is not a typo, i'm assured by Kelly, the producer, this is not a typo. Five hundred ninety dollars per month, wait for folks for twenty seven years. What uh which means he will ultimately pay one hundred and ninety one thousand dollars for a bmw five thirty. I now brand new one, according to bmw s websites, is has got A M sr p of fifty eight thousand dollars and IT gets worse folks oh my god, not only is this moron, uh, agreed to pay five hundred and ninety dollars for twenty seven years.

oh my god.

the kari has two hundred and eighty nine thousand and miles on IT. Joe are bored up about fell out of this year, not a typo. So um we actually have real evidence to this is not just an article.

We also have a tiktok apparently about this story let's roll this and then will react to IT a little bit more. Yes, mr. David just saw this with this.

Mw, five, thirty. all. right? How many months where?

Oh, I am speechless.

We're celebrating this. I am without speech, happy as he could possibly be about this decision. I mean, the facts of the facts.

Oh, he's thrill that he only put a thousand dollars down. Now, let B, M, W, at two hundred eighty nine thousand miles, has a lifespan of about seven weeks. I think.

right? There's nothing about this that makes sense, and there's nothing about that. There is no logic here.

But he is happy he can be to see the smile is face joe, the car plug did me a favor. They should arrest the guy who owns to the car. Plugged was against this. Yeah, you know.

I can't resist because i'm an opportunity cost person. And so I can't I can't resist running numbers on something .

like this because .

we look at this single David with interest, he's ultimately gonna pay one hundred and ninety one, which that alone is shocking. That's that's a lot of money, but that's not even the people that does even scratch the surface of the true opportunity cost here.

So at twenty, twenty seven years, I mean, we say IT on the show all the time, the car payment is what keeps midden class broke or the car payment really is what keeps you ever wants car payment broke, right? So because you're locked in and when you you lock yourself into a five, six year term, in this case twenty seven years, that is a term of time that you're saying with this money, I will pay my carnell, I will not invested, I will not do other things. And so that is the opportunity costs that we play here.

So but this doesn't even kind of just say this doesn't even make sense because i'm in the used car game because I got three teenagers. I've bought, as you know, two cars in the last three years. Yes, joe, you a year head, I know for a fact that A, B, M, W, with two and eighty nine thousand miles .

on IT could be a the most.

You probably charge that fifty thousand the most. I twenty, twenty three, if that's two or three years old, that cars don't even were tim grand at that kind of met on bmw. So I really think I was making a joke, but I think this is illegal. This is, how do you charge this man five hundred ninety dollars months for twenty seven years? This man is paying rent .

for joe car plug. Well, that's what he's say, man. I have to believe and know how that this is because anything possible on the internet. And so they might who .

know they might want if they did .

IT for the gram. I I believe that. But just know that if he had taken that same money and invested over the same term, is almost a million dollars, literally aloma. It's nine hundred and seventy thousand dollars that IT really is costing him to Operate this vehicle. If this, in fact, is this can't be real.

The more I think about this round IT, up to six hundred and months, seventy, two hundred dollars a year, the car itself, this, I know this is .

really think a person could be that clue.

I told that this is real. This is a real article that that cannot be real. Are you with the studio audience?

Is that that is fraudulent ent? Yet he's been defrauded. He might.

he's being deflated.

but he also is playing .

A A role in this because yeah.

I I like body nobody .

twisted is on IT doesn't .

look like to get this is a sign of the apart. This is, this is a sign of the this is a real news article from a repeatable thing. And here's a tiktok with this .

guy with a smile on his face like, sic, I was messed up.

I didn't even pick up on that.

I was to the music. I was like, this is a bother some.

I just the idea, like, I literally was just from the question of the day, I was processing because I know attention of stuff and any more, I was having a hard time processing a sixty nine months term on a car. wild.

Yeah.

that's what people are doing. And I mean.

rooms to go .

must have a ten year plan now.

But here's .

a thing, delinquent always they're always the here, three thousand. It's like.

would I be here?

Oh gosh, oh, good. yeah. We need help. All right, more of your calls coming up. This is a you show.

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Welcome to the rmc show throughout. Have a america. This is where we coach you to win in your life, win with your money, win in your work and win with your relationships.

Alongside my good friend, the comparable fabulous, fantastic jade. And I got my false swearing I got today. This is nice.

Thank you very much. I just saw that in the car. I realized on, you know, it's kind of cool here, mild tennessee.

Now it's sweet. What I like weather. John, going to a get to started first in houston, texas. John, how can we help today?

Oh, thank you taking my call. Um I got myself into a situation. I signed the least from apartment about three months ago and I kind of think a bit off more than I could chew um everything was going good at first and unfortunate the breaks went out to my car.

哦， 没有。 And I kind of fell behind on rent. And so I am contempt whether I should break the lease, uh, and get a roommate to my finances under control or, you know, uh, what would be the next the best option .

will give J A picture of your finance. How much do you bring home and how much is this lease and what other debt you have gives a bit of a picture.

okay. So um what I bring a .

every year.

uh two thousand OK.

So forty three year two thousand .

a month s and .

quick clarification is that take .

home two thousand .

take on O.

O the the least is eight ninety nine months. Um there's you know various other charges like water to the stuff. So come back to like nine eighty on your grand. I've kind of looked at kind of like what termination costs would be for this contract and um they talked about a relating fee which is eighty percent of the uh eight, nine, nine and then eight rest the the least which comes out to like seven, eight grand.

How are you gaining that? I thought I was eight, ninety nine for the the least, plus the the half of the least. So like four fifty did I?

What am I was? He said eighty, eighty five percent of the relating fee and then the rest of the mainer when I called they came out to grand exists what I think two month oh.

for the interest I got you. I got you. okay. So yeah that's not option because you don't have .

that money definitely.

okay.

Um so 这样 so a .

this is a symptom of a much， much larger problem. My first question when you first started talking was I wanted to know how far behind how many months behind are you?

Well, that's the thing is just only actually it's only like two or three weeks, but of this happened in october when the breaks went out. I was late. They say, in the contract, you can be late.

I talked to them, know about my situation. They said, okay, will take that payment late. And I said, no vendors going to be late as well. Now know this is mess up my paycheck and paycheck uh, so they it'll take novembers as well and I saying, okay, some of the first year you're not yeah we're going going and fall for eviction.

What do you what do you do for .

a job I actually working now? Health, unfortunately, n't pay her life.

What do you do .

in mental health? I I work with the people have pending issues OK.

So are you an early wage? yes.

What is your early wage? Um well right now it's about twenty twenty dollars in um seventy something.

Yeah i'm jumping eating very quickly because jaye can help you and walk you through this but mean you have an income problem in in addition of the fact we know you've signed that you know you've already admitted that you signed up for release he couldn't afford um but the u can dig out of this um and jade will walk you through the rest of a debt, whatever.

But i'm going to tell tell you that right now you can happen to this problem and right now you're a good man who loves taking care people and you just not make in a whole lot of money, but you get yourself way over your head. And so until you get yourself out of this, you're going to have to work like an absolute mad man and you're enable body. So that may mean swallow your pride and work in a graveyard shift at walmart stock and shells twenty hours somewhere else.

You have got to bring in some income to get current and get yourself some breathing room here. But this gonna hard for a little while. I handed a jay on that, but I wanted at least make the point that you can work and you should be working and I mean, every second of the day at this point to get yourself out of this well.

john, how long have you been working? How long have you been in the career that you're in right now?

Um I actually did earlier this year.

earlier this year and before you injured this career, were you doing something that earns you more money or less money?

No uh I made little part less uh in actually the last four years I was actually .

training OK. Uh 那 也 准确。 Where i'm struggling with this is um I think that you know how old are you one thirty and .

thirty okay I think that .

you know that two thousand dollars a month, you it's impossible, right? I think that you know that and what what kind of shot me on this is you're like, okay, back in october, my breaks when out i'm i'm struggling with men. If that happens, then it's like, okay, I got got to go at night like I got to get to windy tonight and get a job.

I got to go over to dollar general to think like there's this urgency that I feel like is missing and then when I am like, well, how long have you ve been doing this job then I realize, oh, this urgency has been missing for a while. And then when you told me that you're earning less before that there is something missing here and you've got to have a when houses on fire, you don't just lovely gag around and be like, oh, you know what, I think i'd love to para sox sub stairs. You know, I think I need to go here and get these keys off this dress. You run, you move with a sense of urgency to get to safety. And I think that you got to start moving with that sense of urgency because this house has been on fire for a little minute now.

One quick question on that urgency is, uh, is this a two bedroom apartment?

Now this is just .

a one Better room. I was going try to get you a rooming roque, but no.

I think now we got .

to go to work today. I mean, you're literally selling stuff, anything you own every right now, income, every income you're selling.

you're bed. You're selling everything that you have that there is a value on IT. You're selling your bed.

You're get in a couple hundred box in your by air mattress for thirty box at walmart and taking the rest and putting IT towards because you ve gotta hit this december first deadline to kind of get everything right side up again for you um and don't let that trick you into taking OK. I'm OK now. Now i'm safe.

No, that was just you getting from upstairs to downstairs. The house is still on fire. So I mean, that's what you've got to do. Two thousand dollars is not going to make IT work. And I understand if you love your career, but then you got ta be proactive about adding additional income to IT every single month and a lot of IT.

Yeah I mean, for advice for other people that may be in john shoes here um if if you want to get into the mental health space and we will see what the latter looks like for him going forward. But at that point, j, this is why we teach percentages of your income that got a housing to give you this kind of, to give you this safety net from getting, you know, over extended.

Because he should have been renting a little place over some ladies, because IT gets him about twenty five percent. No one wants to hear that. But what's the alternative?

You go out, get an apartment, go, well, I got a job and do that they can want to do. And adult, now you go. So I really can't afford IT.

If anything bad happens my life. Oh, like the brakes going out. I mean, this is bad.

Michael Jackson.

So they, and tough stuff folks listen to what we teach, keep you from doing this stuff. This is a abc show. We'll be repeated. If you're .

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Welcome back to the rainsy show america. So glad you're with this. I can call mode warshaw is along side triple eight, eight, two, five, five, two, two, five is the phone of a triple eight, eight, two, five, five, two, two, five.

We go next, san huz, california. Jeff is there, jeff? How can we help?

Hi um yeah I mean, my Fiona were were about a million dollars in debt right now and we can most of IT student loan that but we still have a million dollars. We just don't know .

how to really .

tell my goodness, is this what type degrees did you guys have you .

where we're both, danny? So I guess that's a good thing kind of yeah.

yeah, I can tell you're fired up by that. Guess your heart? yes.

Are you making money? Like what do you guys make in every year?

So I what we're told when we go into this is we'll be able to paid off the work we make about and probably average one hundred seventy year.

That's what you guys are actually paying yourself.

Yes, in are four taxes before tax.

Oh, my hundred seventy grows. And and are you separate .

practices? We are currently, but we are probably in a group together and and just try to grow.

I guess did you say hundred seventy each or combined OK OK.

Hundred seventy 7OK。 yeah.

And you're living in, okay. Well, santa is expensive. That's expensive country.

What is your dead break down for? J, let's go first on the phone. And you married yet. So .

about six, four hundred and fifty thousand right now and all student alone.

Okay, in no other debt unluckily .

were both pretty good on that side.

Okay, pretty good or good.

good.

How long how long you've been? How long if you've been practicing?

Um not about a year now. We just kind of we just came out of school, just kind of a nervous thing to be a million dollars and that just and how no.

no, listen, brother, this is real. And oh, this makes me so mad on your behalf. Not mad you, but but people are just selling this. And now you're facing IT you like staring down the barrel of a gun. Right now I can feel IT all over you. And well, here's the thing i'm asking about you're only a year into this is based on I don't if they teach you any business skills, probably not .

but if they don't .

any sense of of of how big your practices uh in in in its first year. Are you small for first year? Are you medium side? You have any sense of that?

But I would say we're probably small getting to medium, hopefully by the end of this, by the end of this. Bill, do you know any .

dentist at all that are very successful?

huh?

Yes, I do. Are you in contact with them on a regular basis to go? How did you grow your business now? You need to be.

You need to be. I'm not kidding you. Jays gna give you some finance al advice.

But I was leading you this because let me take something. They don't teach you had to run a business. They teach you had to take care of teeth.

But taking care of teeth is not enough to be a successful dentist. You have got to know how to get people in the chair. And I want you on the phone.

I want to give you as a gift of my Christian at the end of this call. I want to give you the proximately principal, uh, it's worth a quick reading at the auto book, if you that will give you whatever version you. But I want you to be in touch with successful dentist, and I mean successful, and I want you telling them I need your best advice.

What would you say to me where I met right now about growing my business and try to replicate this for two or three other successful dentist? Get all that feedback in one bucket and start doing IT. Because the quicker you grow this business, the more you can pay yourself.

And the more you pay yourself, the easier is to do A J is gonna tell you I just wanted to give you that you've got ta be like and she's got to be the same way if you guys combine practices. This can't be like we we're married. We have to know you both aren't you're the most I don't want to say desperate, denis, we've ever seen, but it's like you got to get creative in the community and be competitive so that everybody's to OK.

Can I ask a question? This is and so you you come at at the school, you've got all the goods to be over to to practice. Are you working for someone else? Or you started your own thing?

Uh, i'm working for someone else, but we are working on a contract of hopefully partner.

And is that going to caused you to have to go into more dick? Because that's what I i'm trying to get a sense of what you yes, is because .

I don't want you to go toward that and that's .

why are trying to hold on.

I you practice I thought that what we were talking about, you can't go into debt something worth that? No.

like you got to work for someone else until you can afford to do whatever the next step is.

Is your income fixed though? After all that big speech I gave is your come fix, are you able to go recruit new patients .

and get some of that?

No, not so. So you can benefit from hustling like I told, right. OK.

that's all I trying to get, and I don't want you to go into any more dead until cleaned up because again, what you're realizing now is true, uh, yes, you have agency over this, but there's no guarantees and there's no guarantees at how quickly this will go. And so going into further that I would not advise that looking at the numbers, the hard part for me is you are an expensive area.

What are you paying? Like what's the what's the housing situation? Are you renting?

Do you own a place? What is IT where to? We're gonna be owners because IT doesn't IT almost doesn't make sense to rent because we're just throwing that. That's not true.

And what are you doing right now? What's the situation now?

About forty five hundred amount .

for your place? Or are you guys together already?

Together.

together?

It'll be forty five hundred yet.

Okay to and but .

to buy at the same. Yes, but you're going into .

debt to get IT. You're adding more debt .

to your name, we will be yes.

and you're tied to that like you you got ta pay IT and now you're adding expenses to your life as well. You can't afford to do that. You need to be living as cheaply as possible. And if it's the same Price, uh, per month, it's not really the same Price because your complex or whatever is paying for yard and garbage and all those things.

So I don't want to add wait to you of having to replace in A C or having to replace a roof for having to you and i'm saying, yeah, so that's or adding in sure you know all that stuff is really expensive and so I would continue to rent. You're not throwing money down the drain. You are buying yourself time until you can truly afford to buy. So please promise me your home work coming off this callers to promise me that you won't go into dead, uh, into this practice right now and that you will not buy home right now because that would add insult injury and .

i'm going to throwing here. I'm going to chAllenge you to get a much, much Better in situation. Just try find a place over in all ladies garage. I say that all the time, but i'm telling you, I don't think you should guys should be paying anywhere near forty, five hundred months now you guys are so broke, you need to be, you almost need to be staying in a place where they'll pay in you. Jeff.

you're gna have to fight. Jeff.

you're gna have to fight hard because the truth says you guys, i've got these shiny degrees. You're in a great profession where there's the potential make a lot money and the people around you pride the people that you're working with. They're come in with their tahoe and their catalogs and their teslas and they gets expensive salads and juices for lunch. You don't do that. You eat linguistic and you drive for tourists.

And I received a lot, I would prescribe a lot of fasting for this. It's the new, it's the new craze. It's a biblical principle.

And I get to get some financial advantages here. You all need to try fasting three days at the time. You're look great, but you can afford to buy cold cuts. Yeah.

coral butting, do you like a good? I don't know this. I don't know if you remember what I was coming up. The cheapest cold cuts .

you could buy or one jeff sten um you have got to reduce your living expenses right now. That's one of the biggest raises that you could give yourself. So i'd be soon as this rental term is up or whatever is going on, I would be looking to slash those cost.

I am big time, but if even if I got to drive away at this point, i'd rather pay gas. You youll right together. It's called public transportation. Everything's on the table now, right?

Everything you give you a bus pass, it's on imposing.

It's the truth there. Like, and by the way, you Brown bag in IT and you're recycling in the bag and I was out .

of the pack and you get right out and use IT again. Yeah.

you'll put the wow in broke. I mean, eggs. This is the ranger show.

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dot com slash course. Welcome back to the ramsey show. I can commode warshaw is along side.

You know, we were talking during the break today about some of the calls we've had so far on the show today. And we keep come back the same thing. People get into tough financial situations largely because they have no budget at all.

And because they have no budget at all, they have no idea when they make a decision for too much rent, no what the real impact is. So the best way to make the most of your money is by creating secret to a budget. Every dollar makes its simple plan spending, track expenses safe for what matters most to you. And can I just say, keeps you out of traps.

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The APP store or google player can click the link in our shown notes if you are listening on youtube or our podcast. right? John is up next in dallas, texas. John, how can we help today?

Please take my all you but so kind of in a situation right now um jobs searching, setting up a interviews um there were leaving towards in the the year right um in hh in an industry where I guess bonuses are pretty much guarantee at the end of the year, even though I don't bank on tom at the end of the year. Um i'm i'm seven of these interviews I do IT for in the year with you at my current jobs. Um i'm pretty um that's taking this should my 在这里 以后 in the long， long wrong place. Ok, good.

So the answer is yes. You should quit your job when your results are wrong rule, wrong place unless you raise your hand and your leader or other leaders go. We see that and we'd like to get the right role.

But when you get the wrong place, IT still may not change IT. So let's just keep going with the question. So what is your question on this?

Well, I mean, look, what's the bonus I guess is no, I am expecting usually know five, ten, five hours at the end of the year. Yeah, that's what i'm do up for in I I don't know when I want to get a job offer and pretty confident i've got come up here next week that we'll have an offer in my hands before the bonus to do and probably before my year with you. I'm just wondering how to navigate the situation where I feel that i'm old this bonus, that of.

you know what and what makes you feel that sense of I I am oed this bonus what what makes you feel that well. This is not a difficult question. I know what the answer is. I want you to say IT though, why do you feel that your old diston us at the end .

of this year leave money on the .

no that's not writing to let me ask you couple, are you doing a good .

job for these folks? My current job?

yes. yeah. Are you given at your best, even though you know it's not where you going to belong to, are you given at your best?

right.

So let me read the question. Why do you feel like you deserve .

your bonus work hard for?

yes. All right, all right. J teleme dies one, some confidence. All right.

So john, I let you into that because let me let me to tell I know what the question is. Someone to jump ahead. okay.

Um first of all, I appreciate that you believe that you're going to have an offer before um your year in review and bonus. But the reality is you don't know that. I don't know that jay doesn't know that either.

So I would keep walking forward. You are not doing anything unethical by searching for other jobs. Nothing nothing destroy and dark and an unethical nefer ious. Great word. There's nothing wrong with what you're doing. Now let's just say that you do get an offer before your year end meeting and your bonus and um they say they want you to start first of the year. What are you going to do?

Yeah, I don't know.

Yeah, you do know what you going to do. You do you do you deserve that bonus for the work you've done this year?

Yeah, I absolutely.

So john, what are you gonna? If the start date is after the first of the year, what are you going to do?

你懂的， get my bones.

yes, but because here's a deal, here's a deal. First of all, this isn't the Normal question that we get. This is not for jay night to tell you what you should do.

I'm trying to walk you into a situation where you are thinking clearly because you get two strangers who we don't have any dog in this fight, but if, in fact, the bonus is based on the work you've done for this organization this year, then get your bonus. Uh, if you don't feel comfortable that then walk before the annuals up. I don't think there's a writer wrong here because the bonus is based on the work you've done far them to this point, if i'm understanding this correctly.

J, do you have any kind of head tilt on that? No, yes at all. So you know, I just I don't think that you are certain as you think you are. Um I think .

about where my concern comes from is what people think of. If I do leave after the fact, then no, I mean I I like the people I work with and the industry i'm in like, you know, connections and like, you know, had I just think right now with that change, like I don't want I want people like that that that jan, right?

And I appreciate that. But john is expected a bonus and a onus for work you have done and then leaving. Is that unethical?

No, it's just .

called planning.

Is IT just planning? One more question just is IT illegal?

All .

right, then I don't give a crap what anybody thinks about me taking the money that i've earned. You can think all things you. List they here's everything. You are a good guy, john, but this is about, this is about some manufacturer guilt that you've got put up in your head because you are a good person.

And I don't think that if this scenario plays out this way, you get to choose um you get to choose because the bonus is not assigning on bonus. The bonus is on work that you've done this year and you're not stealing any money from the company. So there maybe people who take issue with jon.

I don't think anybody would even think that.

First, too many other things. Yeah, you're leaving for a Better opportunity. They don't like you because of that.

Guess what? Those are people I want to do life with. So true. I can tell you this right now, this true story. If if, if me or jay leave the solutions, I can promise you, me and jay will be friends with each other after this place, because i'm for her, she's for me, where friends outside of this place are sport like.

And I know, thought I wonder fee, I tried to stay longer to .

get A I would came in instead I got this great opportunity and i'm going and I go two things I two things I would go, i'm going to miss you around here and then I go go girl, that's the absolute true yeah so I am only bringing that up to say that's who you know are your actual work, friends, people that would a bad mouthy because you took a good opportunity for you .

yeah that's not a friend.

Well, that doesn't even make sense to me.

I agree. Yeah one hundred percent. I think you're over thinking this greatly. Yeah so john, this may not .

even be a problem. You know what I hope happens. I hope that these interviews go well and you get a job off late in the year year and they picked the start date.

It's not till mitter late january and you cash the bonus and everybody's right with the world and then the people that like you in value, they're onna, go like to go. John, good for you, pal. Are we still getting together for a pick ball on wednesday night, you know or whatever? I think that's the play here. So a good man, I walk you through that because when there's guilt, jay, we've got to go why is there are guilt and there should only be guilt when it's unethical or legal yeah .

or mean spirit yeah none of that move.

none of that was there. yes. So john, you are good man as evidence by how you handle that.

So I hope you get a fat bonus. I hope it's not a jelly of the month club like Clark grez wild god. What's no fun? Although because in any said, IT was the gift that keeps on giving. This is the rainy show.

Hey, if you're like me, this time of year feels bananas, thankful to giving just flies by, and then you blink in the kids out of school, of families in town, and somehow there's glitter everywhere. Pure chaos. Let's face IT.

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Welcome back to the rand zy show I can common and join in studio with or bye rather jade triple ate, eight, two, five, five, two, five, triple, eight, two, five, five, two, two, five are right. The see, we've got our ramsey network APP question. And this is from Gabriel.

He asked, can you really win money with apps like bingo winner and mr. Beast, new APP? Or is this a scheme also? I was wondering if acorns and Robin hood, what's, i'm sorry, our good investment options I I hi I i'm fifty years old.

I don't know what bingo winner is and I barely know who mr. Beast is. So i'm not qualified even answer this question because I don't even know what that means.

I'm going to win money with their apps. I don't have the fog gest idea. Anybody in there, anybody that killed, you know what they're talk. I have no idea.

The last game I played with words with friends and there was no like option to win money. So i'm guessing it's one of these apps. Yeah.

like a Candy crush. The only APP that I play in is a fan y foot.

And nothing to do with any give give hard take.

Yes, please tell me out because I don't know how to answer this question.

All right, this this is controversial.

I I am, I am here for this.

I'm i'm going to get here for this. I feel like if you have time to play games on your phone didn't something wrong. Like who has like if you're out working and crushing IT in.

take care. You feel you don't have time to play games .

on your phone. I have zero problem.

I have no game maps on my phone. So I, I, I feel like i'm in jail. Good, good stead, right? I am.

I just I can't understand that I can watch a show, like watch a show with your spouse or or read a book, but have a conversation. But to spend money on a game inside your phone that's called bingo winner.

i'm going to go here and say that I don't know if it's a scam, but you should not be spending your time on IT. There's no R O eye on your time and I bet there's not much money on the money. And then I was wondering if a corns and Robin hood are good investment options. Ah Robin hood is an investment platform ah ah we are very clear, Randy solutions what our investment strategy is. I'll hand IT to my they give a very quick give a sixty second investment strategy that would be an answered to .

any of them yeah, I don't like these apps because they really then for there, they're really more about trading in the idea of i'm putting a little bit here, but I can move in at any time. And that's not our strategy. We are a long term investors.

We are people who dollar cost average. We are people who set IT and forget IT and keep IT there for a long period of time. And so that's why I don't like these apps because they don't promote that. Um so I would invest with my foreign k through my job .

or i'd be a part of A. Go and APP and boy, talk about getting me in trouble. Yeah, anything that looks like that designed to suck the brain right out here, IT is my rule. no. IT looks like .

it's designed to keep you addicted, whatever IT is. So.

so let me tell you what I know. Successful millionaire aren't spending a lot of time on bingo win. So now i've got a ruling. Okay.

now we can move. That was one.

I'm never getting that time back, neither a year. Matthew is up in Austin, texas, matthee.

How can we help what we're Better?

Now we're through about your question. What is IT you .

so like you're always got IT together. So ny, just stay to help making a sport skit.

Married here in a couple.

Congrats next there. Uh, but yet kind of and that has mainly to do with kids. I got kids and how my new wife in the X I guess the question being, how much does my wife have say so into how I A raise my kids or spend money on my kids and that type of pain and IT really quick .

question because I, I, my colleagues loaded up, ready to go. I, I, I want to know this. How long if youtube been dating two years, two years, and in the two years, has there been moments of tension based on her maybe stepping into some situations that the kids weren't really cool with? Or you are cool with? Or there have been some comment i'm just giving you. What I mean when I say moments is, have there been several moments of tension that lead to this concern?

I knew .

the answer, yeah, my friend are .

yeah I I would .

just say this I this needs to be settled in premiere counselling state .

how old are the immediately .

they're not Young. And so I get to encourage, I wanted a teenager for the two in .

college is a not factor. SHE doesn't get to say anything about that.

你看 我 字体。

aga SHE sixteen .

but for example, like and the suspect comes up and I like probed first first thing to say yes yeah because you're you're .

treating .

IT like she's expendable and technically now I know this is different in in I I am going to step lightly on this. But typically when you get married, it's the marriage first.

That's why I said what .

I said and then it's the kids. Now also traditionally the the person you're marry to is the person you've had children what? So it's easier to make that statement.

And I want to I want to hang out there. IT is easier to make that statement when that's the case. In your case, I don't think IT makes IT any less true, but I think IT makes IT more difficult to stand on that. agree.

I'm i'm going default .

to you call us because you've get some real fear and i'm glad to call us if for no other reason. And then i'm telling you as a guy who went through premier counselling um and i've been made twenty six years a long enough to know that had stated I not been on the same page about the major thing yeah I don't know that we're here fact same you know yes.

And so I am just saying that, Matthew um you need to invest time and money into premiere counselling to sit with a professional therapist and get this stuff out on the table. But you've got to say he has created this tension here. I feel like he stepped over here. He needs to be able to say I didn't like IT when you said on a dad first, like we got ta get this all out before we log in and .

then there is the .

kid side of this too. There is the kid side of IT. But they got to solve IT between the two of them.

First, you gotta a know what life is going to look like day one. Now we manage those decisions. After that.

it's nice to make kids. That's not if but we're kind of different when things come up like, well, I go she's like, yeah he hopes what if something happens when I need to move back in you again? Those those things come up or are you are you going to pay for the uh h master degrees too instead that still 万一 for vacation those that sound like so yeah.

she's got to realize that there's a whole life here and there's other people she's marrying. She's marrying the into the family, not just you. And that's the case with anybody you marry the family, marry into the situation, whatever IT is. So I think that you guys kin is right. There is a lot that must be discussed before this happens.

A math, oh, wow, no. What is .

this a big? Is this a big fancy wall of people .

come in a of nobody?

I appreciate that is going, listen, can I know you're going on? I want to walk down that path, pause.

I would, because what I don't want, I would never want you to feel like you don't have a choice. Or like once the wheels and our emotion, you can put a wood stick in IT and grant IT to a whole. You can.

You have choices still. You have a lot less choices. Once you say I do.

I agree, i'd get a session in at least and talk about these majors. I really wood before the the wedding but can I also say that if he says, hey or you're gonna for their math degree or we're gonna go to answer is where is my grasper that's what the answer is. The kids can pay for their master.

I thought .

you were going in a different.

Hey.

you're still here. What are you doing? You do know that the rest of today show is playing right now over on the rai network, right? All you got to to do to finish the episode is search ramzy e network in the APP store, google play store, or just click the link in the show notes to downtown the APP or free. You heard me right for free. Then right there in the home screen, you can watch the rest of today's but of being bottle, all right, i'm get out here, enjoy or see on the APP.