Fired from the headquarters of Ramsey Solutions, broadcasting from the Dallas Car Rental Studio. This is the Dave Ramsey Show where America hangs out to have a conversation about your life and your money. My name is Anthony O'Neill, host of the popular YouTube show The Table with EHO. And cohosting with me today is Can Coleman, the host of the Ken Coleman Show, the number one career podcast in the United States of America, and Sirius XM, your local radio station where he's there every single day, Monday, Tuesday, Wednesday, Thursday, Friday, not Saturdays and Sundays.

So right now, now I'm recreating myself on the weekend, but we are having fun Monday through Friday. I'll tell you.

Oh, man, we're having fun Monday through Friday. And today is a beautiful day. And we want to have fun with you and answer any questions that you may have around life, around money, around careers.

We have two guys here who are passionate about what they do and we want to help you America. So give us a call. Triple eight eight to five five two two five eight eight two five five two two five. Kim, before we get to the phones, man, how is your radio show doing? That is it's just booming right now.

We are growing we are approaching 60 stations in syndication, of course, but on Sirius XM for three years. And of course, the podcast, we're about to announce a very big milestone download number. Yeah, it's extraordinary. And we're so grateful for that, because what it says is that people are hungry to get the answer to the age old question that every woman and man ask, what should I do with my life? In fact, just minutes ago, I wrapped up the Ken Coleman show over in Studio B about 20 feet away.

And the last call was from Namibia. And so when you're going from Namibia, Africa to Nashville, Tennessee, that's exciting stuff that people because of the podcast of the Daily Radio Show, people can listen all around the world. And the YouTube were on every day at noon Eastern. And so what we're finding is, is that we've got an international audience that's growing because, again, you know what's fun about?

About what we get to do, whether it be money, personal growth or purpose in your life and work, is that in a in a world that is increasingly divided around politics and race and religion and sports even? Yep. Yep. The one thing that every human being shares in common is a desire to make a difference in their world facts. And and so that's really rewarding. The audience is growing and it's a fun conversation because we're talking about them.

We're talking about their dreams. Yeah, yeah, yeah.

Well, that's so cool. So I can honestly say you're probably the number one career radio show and podcast internationally.

I would hope so. You know, I certainly are on talk radio for we are the only syndicated national show there in that area. So we're having a lot of fun and we're going to keep that conversation going today. So if you are feeling stuck, you know where you want to go, but not how to get there or you're just completely confused. I don't know what I want to do with my life or I know what I want to do.

I know how to get there. But you're just scared to take that step. We're going to take those calls along with money calls, life calls, everything else chirpily. 8255 225. That's Ken Coleman. Anthony Neal, here to take your phone calls is actually talk to Amanda in Jonesboro. Good afternoon, Amanda. How can and I help. And so my husband and I are on baby step two, we just really got started with the process.

I've been trying to get him on board for a year and a half. It finally worked. We are at about one hundred and sixty five thousand dollars worth of debt, student loans, car medical debt. And we finally he decided to sell his boat, which is a big deal because he just bought this boat for duck hunting in the upcoming season starts on Saturday. And he posted it to Facebook marketplace today.

And did he break even on a boat, Amanda? Sorry to cut you off.

Hey, no, he should make a little bit of a profit, maybe two grand on it, because he had to kind of put it together with the trailer in the boat and the motor and everything. But we're upside down on my Jeep Grand Cherokee by about eight thousand dollars. And I'm thinking that with this boat sale that we need to use that money to get the car and get the vehicle out of being upside down and then sell it, because it's a very horrible car payment.

And I'm tired of I'm tired of it. So I was wondering if that's what we should do with that or if we should do something else when the boat built.

OK, so you bought eight grand upside down on this vehicle and how much is a car worth?

It's worth about twenty four thousand dollars a check KBB last night, and that's private party sale, private party sale. OK, and then how much do I owe on it? We owe about 30 to. OK. All right, all right. Oh, about 32, 20. How much did you say you're going to make on the boat? You think 2000 more about that? We're going to make about 2000 that he found limit for kebob.

OK, so you have 2000. And so the question is, do you put the 2000 on the car?

Oh, the 8000 on the car to make it to where we can sell it at a retail price and then be out from under it.

So I think we're Kinnah asking, you're getting at 10000. His boat is not finance. So you're getting 10000 dollars cash for the.

Yeah, we can't. We pay. He pays for the boat. We stick together. We don't know anything on the boat.

OK, that's why I'm confused. You're saying you're going to make 2000 profit, you hope on the boat. Yeah. Oh, good Lord. I'm so sorry. We're going to make 10000 dollars.

That makes more sense. Which means we could then pay off.

OK, now on track. I was thinking about what he paid for it and everything.

What what are your other debts? I mean, so I have about 4700 medical debt. I have about 8000 in credit card debt, 32000 energy, about 20000 on his truck, and then about ninety five thousand dollars in debt.

OK, so you understand the debt snowball? Yeah, yeah. And so now you've got a chance to make some real ground. Play this out for us here.

If you pay off the the difference in the Jeep, what are you going to do for a car once you sell the jeep?

We, my mom and dad have an extra vehicle and so does his son, another family friend. And so we were Indras that until we saved up enough money to get a cash car. All right.

So it looks like the question is, does she skip around on the baby excuse me, on the debt snowball here because she can take care of that big car payment.

Yeah, well, if she's not really skipping, OK, so she's still going to work the debt snowball that's going to make your minimum payments on all of them. You still going to aggressively attack the first one. But at the same time, when you sell this boat and you get that money, then, yes, immediately go ahead and just sell the car and you will put that money towards a difference. So this way, if you sell the car for the, say, 24000 dollars, you're just going to put the extra on top of that to go ahead and get rid of the car.

So you're not really skipping it. So I would definitely do that, Amanda, because then from there, you're down a good amount of money. So great question. Thank you so much for calling in. And I love Kim. What she's doing here, because she's what they're doing is we have to plan. We don't want to skip over to plan. We're going to work the debt snowball. But if we can sell this car and go buy a cash car, great, because the majority of people struggle doing just that.

Yeah, 32000 dollars comes right off of the list just like that. I mean, it's going to feel fantastic. And then she's going to take that car payment. She didn't tell us what it was, but she said it was ridiculous. And so all of a sudden, that car payment, let's just say she's paying five, six hundred bucks a month on that. That goes toward that next that smallest debt, which I think she was. Forty seven hundred dollars in medical debt.

She's going to pay that off pretty quickly. And now they are in some serious momentum. This is good, great stuff, Amanda. I love it. I love it. I love it. This is the Dave Ramsey Show.

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Joining me in the studio today is Ken Coleman and myself, Anthony Neal Ramsey, personalities and excited, Triple eight eight two five five two two five here on The Dave Ramsey Show. If you have a question about your career, your money, your life, anything like that may give us a call today. We would love to talk to you, because I'm telling you, America, when you have King Coleman on the show and you really need to find a job right now, especially around covid time, that is, there's only one guy, I would suggest, and that's him not just because he has the wisdom, because a dude is very, very passionate about helping you.

And I'm very, very passionate about once you get the job, how do we keep the money coming in? And so we're going to have a conversation with Leslie out in Rolla. Good afternoon, Leslie. How are you doing this afternoon? How can we help?

I'm good. How are you guys doing today? Doing well.

Doing well, man. Did I say that name right rala Rolla, Missouri. See it. And I'm trying to right.

I love all the different towns. I think the towns are so fascinating to learn the names. I think it's always fun because it's a big country.

Got a lot of cool names out there. I almost messed it up. I was about to say I. You got that.

I would have said roll it. No question about it. Roll the rala.

You know, who knows. But w what's going on, man. How can we help.

Well, my wife and I are expecting our second child in March this year. Right. Thank you. We started our debt free durney journey in January and the only thing that I have remaining is my student loans, about eighteen thousand four hundred dollars worth. We've got thirty three thousand dollars in savings and I can write the check and we can be debt free by the end of the year. Or I guess I was wondering, should I wait until our child is born in March to do that and continue to make the monthly payment?

Or is it best just to write the check knowing that I have plenty of money in savings even after the debt is gone?

Well, if we do the math correctly, you have 33000. I was sitting in the bank right now. You take away eighteen four. You still have about fourteen thousand dollars in the account. Now, I'm a money guy now. I'm not a parent guy. So can you have several kids. I think fourteen thousand dollars in the bank is more than enough money to have to have a baby do it now. Write the check today.

Well that's what I was feeling. But I wanted to see what you guys you know how good that's going to feel. I mean, I think if you allow yourself to think, you can hear all of a sudden you started laughing and joking about this. How good are you going to sleep tonight, Wesley?

Much better. Now, let me ask you this, Wesley, and you sound like a very like like wise man who cares about his family. So does your wife have a problem doing that?

Is that why you're trying to figure out what's the best move now?

She she told me to ask Dave. So here I am. I know what it is.

Wesley, every time you write a check that big. Yeah. When you take it out of savings, there's a psychological barrier to that.

It's like, good gracious. Yeah. And I think that's what it is.

And by the way, that's very normal. So just know that you're not you're not there's nothing wrong with your judgment, your judge, what's right.

Do this. You've got you've got a month and a half. You've got well not all. Have you got about four months, five months until the second baby's on the way. You guys aren't first time parents. You've been through this before. You know what diapers cost. You guys don't how to budget. You're going to be fine. You got more than enough and savings and you're going to be able to make up that difference anyway. Do it tonight and celebrate.

As a matter of fact, Wesley, go ahead and just hang up from us, man, and go ahead and just do it now. I mean, just call them right now. You'll be debt free before Thanksgiving. Now, you really have something to be grateful for. Best Turkey he's ever had. That's what I'm trying to tell you. Debt free turkey. Yeah, you know that that's that's amazing. Yeah. You see, there's there's like the organic turkey.

Yes. And there's like the nonorganic turkey. Yes. The turkey was stuffing. Oh this turkey is debt free. That's good. Turkey. Oh this is a debt free turkey and we paid eighteen thousand four hundred dollars.

I could not eat so. No.

Oh I'm going out to Memphis. We're going to have a conversation with John. Good afternoon, man.

How can Kinen, I hope you guys enjoy taking my call. Yeah, no problem. Thank you for calling. How can we help? So I'll just dive right into it. I am 21 years old and graduating college next month debt free, thanks to my wonderful parents and something that my question I guess, is I have a girlfriend who I love dearly, and we've been together for over two years and she wants to go to law school and she'll be taking out student loans to go to law school.

And I have a job lined up in January and I just kind of want to know how I can prepare and the next four years when she has those student loans and we begin paying those off. OK, can I can I start?

Please, please. Please do. So I came in to some information about two years ago. In fact, I had this guy on my show that Ken Coleman show, and I did not realize this. And I'm not even sure your girlfriend knows. But you can go to law school for free and if not free, heavily, heavily, heavily discounted to where she would not need to get student loans. Now, she's going to have to work really, really hard, study really hard.

And it's it's a function of a certain score on the LSAT.

But there are smaller law schools, schools all around the country, even some state schools that aren't as renowned law schools who want good, talented people to come to their law school and they will give them a free ride or next to nothing based on the LSAT score. And I got to tell you, is a guy who's worked hard to get debt free. And I hear you saying because of your parents sacrifice your debt free and you love this girl, I would have a conversation with her about this.

Are you aware of that information I just gave you?

Yes, I am. Is she aware of that information? I think she is.

But the biggest problem with. But. She. I guess the biggest problem for me is, you know, we're we're still young and, you know, if it was my fiancee or my wife, it'd be a different story. I kind of have more say in how she does things, but I guess that's kind of what's holding me back. Well, OK, hold on a second.

I understand that you're not you're not married to this gal or even engaged. Are you planning to. Are you leaning that direction?

Absolutely. We plan to get married the summer after she graduated.

OK, but since you do have a say in it. And I didn't say that you tell her what to do, right? I'm not saying act like a caveman and beat your chest and tell her what she has to do. You don't get to do that. But as her future fiancee, you have a say in it, a conversation piece. I'm asking you if she's aware of that information. Why is she saying, I'm not interested? I'm going to get a loan?

Is it because of the prestige of the school that she has been accepted into? No, I think it's just because it's all that, you know, I guess it's the normal thing and I know that normal isn't good.

OK, but my point is, is that if you here's what I'm saying and I'll Anthony, you come in. But I'm telling you, John, if I were you, I would be pleading with my girlfriend and saying, hey, and I don't have the number off the top of my head, but you can find out the number. But there's a certain score if you get that score or higher on the LSAT, which, by the way, you can take multiple times.

And I know it costs money, but it's it's not that much money in the grand scheme of things when we're talking about hundreds of thousands of dollars of debt for a law degree.

And if she takes it, gets the score, then she's wide open as to where she can go.

Why wouldn't you have that conversation with her?

Yeah, and I think yeah, and here's danger to take her out, you know, just take her out to eat and say, hey, say baby, don't say her name.

Say I love you. I love where we're going. And because I love you and I love where we're going, I want to make sure that we have all the options on the table. OK, and here is an option that I think we should really, really consider. If she says no, do not force it because you're not her husband. Now, you have to step back and then ask yourself an honest question, John. And that question is one, do you want to stay?

And if you say yes, you have to prepare yourself to now be ready to pay back her student loans because now they become your student loans becomes you, both of you all debt. And so that's just a question you got to ask. And here's the truth. I'm a fan of Dave Ramsey. So if you say yes, I love her enough to where I still want to marry her, you're not wrong for that, OK?

You're not wrong for that.

If you say no, I don't want to walk into debt in my marriage, you're not wrong for that either, you know? So you got to step back and ask yourself that question.

And I think she will appreciate you saying, hey, have we considered all the options for you to go to school like I want you go to school once you get your education, I want you to be successful, but also want to be successful with your money.

And here's another route which you consider if she says no, fine supporter, let her know.

Michael, great. And you got to step back and see from there. What do you want to do? And if it was me, I'll say I'll say good bye.

This is the Dave Ramsey Show. So, America, I have a quick question for you. Has your insurance company ever bumped up your insurance rate for no freaking reason? I mean, just no reason at all. And isn't it just crazy when that does happen, especially when you're giving it your all to get out of debt and save money? But check this out. Listen, you do not have to just sit there and take it. You can work with the independent SURANCE agent who is one of our indorse local providers or LPs.

These guys are great because they will fight for you just like they fought for myself. Most people who work with an easthope have saved around 700 dollars and cannot actually save twelve hundred, ma'am. Wow. Yes. Yes, sir. And that's because IOPS, I've learned are independent, meaning they don't work for one insurance company. They have the freedom to shop hundreds of different companies to find the one that's right for you. So listen, I don't pull this off.

OK, never again should you just sit there and watch your rates go up for no reason. Please text the word auto a Yuto to three three seven, eight, nine to get started right now. And I wanted to let you all know that because, I mean, seriously, they saved me twelve hundred dollars in one year. I just recently purchased a car and man, I went to them and I was like, thank you Lord. So again, text the word auto a Yuto two, three, three, seven, eight, nine.

Let's go out Fairfield and have a conversation with Pedro. Pedro, good afternoon. How can we help? Hey, how you doing, guys? Thank you so much for answering my call. Hey, no problem at all, man, how can we help? All right, so my question pretty much is, what should I do next? So I'm 21 years old, I'm a veteran. I got out in January, and since then, I've been living at home here with Mom and I've been working from home making thirty three years.

But the problem is, like I financed a car when I was in the military like a brand new car and now I only 017 KW, but I'm, I'm still three K and so I'm like, I really don't know what I should do next in regards to those bills and stuff like that. So yeah.

So you may thirty three thousand dollars a year. You said that you owe seventeen thousand dollars on the car but you're saying you're only 3000 dollars in debt. OK, so in the military, I was making less than I was than I make now, I make thirty three K as of February of this year. OK. So but I've been making payments on the car. So right now my balance on the car is still 17, OK, but I have two to three K in debt from medical bills.

I got you.

So you have an extra 3000 dollars in debt from medical bills. Correct. OK, and you're asking, what should you do right now moving forward?

Right. I only have eight hundred dollars saved up. OK. OK, that's fine. All right. So we have 800 hours saved up. So have you ever heard of the baby steps?

I have. I'm a new listener, but I'm not too familiar with it. OK, cool, great.

Thank you so much for calling in. That's why Ken and I are here, because we want to help you walk you through this process. All right. So here's a very first thing of what I want you to do. You got a pen and paper near you right now?

Yes, sir. I want you to write this down. Write down debt snowball. OK, I want you to start with that word, and what I want to do is line up your debt from small to large. So right now you have three thousand dollars in medical bills. Do you have any credit cards, anything right now?

No, but a part of that K is like a six hundred dollar loan that I just never paid off on my credit score that is charged off.

OK, so break that down for me. You have six hundred dollars in a loan, a personal loan. What are the rest? Medical bills. Correct. All right.

So then we have 2400 in medical bills and then we have seventeen thousand dollars in a car.

Correct. All right, so what are you going to do is you make thirty three thousand dollars a year right now, OK? And what you can do is you're going to attack the very first one, 600 dollars. You're going to go after the next 124, 170, 100. But in the meantime, what you can do is you make minimum payments. OK, now, we don't have enough time to really break all of this down on the show with you right now.

But what Ahmadu cannot think is what I would do to answer your question directly. I want you to go ahead and take this course that we offer Ramsey plus, OK, it's not really a course, it's a membership. And inside of that, you're going to be taking financial peace. University is going to really break down every single thing that we teach, especially when it comes to getting out of debt. And it's going to really break down the debt snowball.

But for your immediate answer right now, what I want you to do is line up all of your debt and make your minimum payments on all of them and then aggressively attack this 600 dollar one, which is the personal loan that's in collections. Now, here's a tip for you. If it's already in collections outside of your original individual who gave you the loan, call them and ask them. Can you negotiate a different price? Ask them, can you settle this in full?

They may say, hey, if you give us 400 all cash, we'll do a settlement in full and call it even from there. So do that. But I want you to stay on the line. Kelly's going to give you a free year. Access to Ramsey Plez from can. And I promise you, man is going to be amazing.

Pedre, real quick, what you need to do, baby, step one. You've got 800 dollars in savings.

Is that what you said? In a brokerage account. OK, a brokerage account, a brokerage account with a Robin Hood. I got you. Yes.

Oh, baby. Step one is you need to get a thousand dollars in savings. And that thousand dollars is to cover emergencies. So that's what you want to do first. OK, that's baby step one. Get a thousand dollars in that basic savings account from your bank so that you've got kind of that rainy day fund. If something happens and then you tackle what Anthony just told you, that's baby step two. Once you knock that debt out, you're going to now save up three to six months of your expenses.

So that's three months minimum of your net pay coming out that you're bringing home every month. I just have a quick question on how much the car is worth. I understand how much you owe on it. How much is the car worth?

It's a it's a twenty eighteen. So it's usually it was like twenty six thousand.

Is that what it's worth now though, if you look at the calendar?

I don't think so, no. OK, so here's another homework assignment to add to what ever gave you. You need to find out how much that car is worth. I understand you owe 17000 on it, but let's just say that car's worth 19000. You're living with mom. Does Mom have another car or could you based on what you're doing, you're working from home.

Could you drive a two thousand dollar car? Yeah, of course. All right.

That's what you need to tackle, because pretty quickly, if you take care of that car, you've taken care of the majority of your debt. So that's your homework assignment today? Right now. Yeah. Get online and find out what the Kelley Blue Book value is on that car. You want to sell it? Private seller, not with a dealer because they're not going to pay you anywhere near what the Kelley Blue Book is right for private sales. And so sell that car.

And then because you work at home, if you got an Uber around, you know, or get a two thousand dollar beta, that's fine. But you, my friend, are going to be out of debt pretty quickly. So I would go aggressively. That final thing for you, sir. Thank you for your service. Thank you for serving our country, your great American. Absolutely.

Man, thank you so much for calling in going out to Milwaukee to have a conversation there with Tasha. Tasha, good afternoon. How can can and I hope.

Hi, I'm calling because I mean, we've been married about three months and I pulled our credit reports and I found that my husband has almost a hundred thousand dollars and that child support that he owes. Oh, dear. And I don't know what to do. I pulled our credit reports because I wanted to get on the baby steps and forced to buy a house and, you know, do all the things that people do. And I don't know, I I'm stumped with this.

I have no idea where to begin.

My goodness. Does he know that you know this yet?

I think he I'm sure he does, because he knows I have the credit report, but he hasn't said anything. Oh my hell, I don't even know what to say to him. All right.

So here's what we got to do. That music means we've got to go to a commercial break, but we're going to put you on hold. Hang with us, Tasha.

When we come back, we're going to dive into this, OK? Yeah, we got to talk about this. We really do. This is going to be interesting. Yeah, a lot to unpack here. Yeah. America Jahoda. We'll be right back. This is Day Ramsha. Welcome back to The Dave Ramsey Show, Kate Coleman and myself, Anthony Ramsey personalities are cohosting today. And before the break, we were on the phone with Tasha and Tasha was informing us that recently she was blessed to get married.

But unfortunately, she found out that her husband owes about 100000 dollars and child support. And so we didn't want to rush through that call. We asked her to hold on so we can really dive into deep deeper here and so we can help her out. So, Tasha, I got a quick question for you that I'm curious about. A couple of questions. Number one was this within the last 24 hours, was this recently that you put the credit report and you had and you found this information out and then two is.

Did he mention this at all? Did he try to hint this at all before you all got married, that, hey, you know, I owe some child support or I'm paying child support? Well, I looked at the report I did get within the last 24 hours, it was yesterday I knew the report, but I was under the impression it was nowhere near this amount and that it's a portion of it had been forgiven. But apparently that is not the case.

OK. All right, so I was under the impression that it was about 20 or 30 and that he had paid 75 percent of it and that the other portion was forgiven.

Do you guys have joint banking? We do not that's a problem and and that's a real problem because this is why you didn't know about it even any sooner than this. And the other problem is, as you told us before we went to the break, you guys haven't even spoken about it. So I asked you if he knew that you knew and you said, well, he must because he knows that I pulled a credit report. So that means if that's in fact the case, you guys are walking around avoiding each other.

The tensions got to be so thick, you can cut it with a knife. Am I right? No. OK, does it matter? You know, there's something wrong. Yeah, yeah, you've asked me several times today. Yeah. You're sure. Are you OK? Yeah.

And what have you said? Really nothing. OK. All right, Tasha, Tasha, this is when he comes home from work, you guys, it's it's everything is on hold and you got to sit down and share with him what you know. And we've got several things going on here, OK? He has lied to you and and you aren't addressing this right away.

You're kind of trying to sit on this a little bit. This is we got to get this out in the open. It is what it is now. And you weren't told the truth. And you guys have separate bank accounts, which means you guys are not truly unified. And the reason I'm bringing up to separate bank accounts is because when you sit down with him and talk about all the relationships and the lying, there's also the financial part to this.

So the state of Wisconsin, every state has laws on paying child support.

And so when a judge lays down a decree, as he has in this situation, saying you owe this child support on a monthly basis and now it's been racked up to 100, and if it's not paid in a timely manner, then they can they can do a lot of things, interest, which is going to make the 100000 bigger than it already is. It's going to keep growing like a monster underneath the stairs. It is. Then tax refunds can be garnished and withheld if you will pay.

I mean, this thing is a really, really nasty thing that's got to be dealt with. It can't be swept underneath the rug anymore. And so it's time to get this all out. And I will tell you that marriage counseling is a piece of this as well.

We've got to get this fixed three months in and this affects you financially as well.

And here's Natasha, I think when you. When you sit down and talk to your husband, I would try to find a way to just try to find clarity, because here's the concern that I have read.

There's 100000 or 10000 or 5000. It's you're not supporting your own child. And then that's to me, that's more important than 100000 dollars, so you don't want to support the human being that you brought into this to this world. And so I would have that conversation before the money because do you two plan on having kids?

No, we do not. OK. We both I'm older and both older. OK, well, not much older, but we have adult children. Yeah, I agree with Ken.

I agree with Ken to have to get to the bottom of this. But I also I mean, I'm not a woman, so I can't say this, but I'm like I want to know why that was my brother.

Why are you not taking care of your responsibilities? Because now that makes me concerned about us together.

Is your husband gainfully employed or is he just scraping by? We both are employed and make about. Thirty five to forty thousand a year. Both of you together are individually, each individually.

OK, so let's call it 75 to 80 thousand dollars somewhere in that range. He's going to have to deal with this and you're going to have to make him deal with this. But I'm going to tell you where it starts. It starts with no longer. We have in separate bank accounts where there's no more secrets. He has violated trust with you. Now, I do believe that he can be forgiven. I think he should be forgiven. But that's if he repents and acts in a way that would allow you to truly give full forgiveness.

But we've got to move forward on this and he's got to take care of this and he's got to step up big time and you've got to lay it out there and say we're not just going to treat this like, you know, the dirty little secret that nobody wants to talk about. This is a problem. You have been dishonest with me. You have broken trust and you've got to earn that back and you got to take care of business. You got to.

You got to. You got to get with the courts.

You've got to figure something out because there's a reason why he's 100 grand behind.

Yeah, right, yeah, that I don't know what it is and we don't have time to unpack that, but I also think marriage counseling, I would if I were you, I would push him really, really intensely, because you guys need to get with a professional and deal with some of the stuff that's going on here that's put him in a place where he feels like he has to be dishonest about it.

Mm hmm. There's a lot going on here. But don't quit. Don't give up.

Yeah. Don't quit on marriage. And you hear the frustration in a Ken's voice. My only recommendation is don't go to him frustrated. Go to him with concerns, go to him with love and go to him with the understanding.

Help me understand what's going on and why we are here and say we. Because now that impacts me.

I'm frustrated because I'd like to go to this guy. I'd like to have about ten minutes alone with this dude. You know what I'm talking about. Give him give him some just truth.

Yeah. You're frustrated about the money. I'm more so concerned about their responsibilities.

I'm frustrated this guy lied to her. Well, he didn't really lie. I remember she said that he told her that he owes child support and she said she thought it was twenty or thirty thousand. He just didn't tell her when 100 percent of the facts. Is that a lie? I'm not going to take that on. I stated my opinion very, very clearly and I'll leave it at that.

Why are you, Kelly, looking like that? Optimist, I'm not. I think he lied. I think he lied to her. All right. I think he I think he didn't tell her the complete truth.

OK, let's move on.

Where I come from, it's lot if my kid is OK, just playing. I just love the faces that you and Kelly give Kelly on the other side of the screen.

Like what know. All right. So Evan from Instagram said, it's a good question. He says, I love your ability to ask good questions if you are sitting next to someone on a plane. What question would you ask to get to know them? Oh. What are you dreaming about and why is that the dream that will open up a whole lot if it's just one question, which she put me on the spot? I love that by. That's a great question.

If I want to really get to know somebody, I want to ask them what they're dreaming about because, see, that's where they get beyond the everyday pressures they get, beyond the everyday limitations that get beyond doubt. They get beyond fear. They get beyond stressed, they get beyond insecurity. And they just start to go, well, here's what I'm dreaming about. And it really takes you directly to their heart.

That would be the ultimate can opener question.

If I really wanted to get to know somebody, what would be your question? If you could listen to one song for the rest of your life?

Oh, that's good. What would that be? Oh, gosh. I want to hear James his answer to that. James Charles is like a music connoisseur, I'd say even music snob.

I'd like to hear his. I got to think about it. Yeah, OK. I know it'll be a hip hop. I want the answer when we come back.

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