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Live from the headquarters of Ramsey Solutions, broadcasting from the car rental studios, it's the Dave Ramsey Show. That is dumb. Cash is king and the paid off home mortgage at. Taking the place of the BMW as the status symbol of choice, I'm Dave Ramsey, your host. Thank you for joining us.

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Open phones at eight eight two five five two two five.

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That's triple eight eight two five five two two five.

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Anthony O'Neal Ramsey, personality number one, bestselling author, is my co-host today here on the air.

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And we're answering your questions about your life and about your money. Frankie is on the line in Michigan. Hey, Frankie, how are you? When you kind of are you better than I deserve, what's up in your world? So my husband and I have about just shy of eight thousand dollars left to pay off, and and we have that amount that's going to be coming in within probably the next week that we can get done and just have everything paid off, which is exciting other than our house.

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Good. Yes, we have a. I want those emergency fund and we just found out my transmission just went out of my car. It's a it's a 2009 Saturn Aura with just over 100000 miles. You have how much? Your emergency fund again.

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A thousand, and then we have about 4500 in our bank account right now. OK. All right. Yep, and so the the cost to fix this is going to be they're estimating like twenty four hundred dollars and I'm not really sure how much it's worth it if we should just continue and just get the car fixed and ride it out till it dies. Or if the fix isn't worth it and we should be looking at buying something. But with the money that we're going to have left over once we get all of our debt paid off, it's probably not going to be that great of a car anyway.

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So I didn't know which route to take.

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So what what's the car worth? Fixed. I mean, fixed maybe for. Yeah, very difficult. Spend twenty four hundred dollars on it then. Yeah. Yeah kind of. Yeah. Here's the formula.

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If you could sell the car as is today for 2000 dollars with a bad transmission and if you spent 2400 on it, it would be as if you had four thousand four hundred in it and it's probably worth three thousand, then you wouldn't fix that car, you would sell it as is, and you would take the money from the sale and the money from you would have spent on the transmission and buy a better car than what that one's going to be when it's fixed.

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Right. OK, and I think that's kind of where this is. Find out what you can sell it for salvage like it is. Yeah, transmission's completely gone, right. Yeah, it's pretty out, OK? Is it driveable? Honestly, maybe you could make it to to be fixed and that's it. So, no, not really. So anybody that buys its going to buy it as a fixer upper. Yeah, yeah, yeah. So try to figure out what it's worth as is and then say plus 2400.

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Do I really want that in that car. It sounds like this one is questionable. It's not a slam dunk one way or the other. I mean if it's a fifteen thousand dollar car, you spend 2400 on it, fix it. If it's a thousand dollar car, you don't spend 1409, don't fix it.

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So that's the point. And the formula is simply what you can get for it. Plus that twenty four hundred dollar repair, or is there a way because this is a car that's on the last leg anyway, put a huge transmission in it from the salvage yard or get, you know, get a mechanic to tune this one up or. I don't know, I don't know the car, I don't know the transmission so I couldn't tell you. But is there a cheap fix, a Band-Aid fix rather than a full on fix?

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That's maybe a thousand or fifteen hundred bucks.

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If it's a Honda, Toyota, Nissan, I would definitely look into a savage transmission. I've done that before. My Nissan Maxima, the first car that I had, and they ran me twelve hundred dollars for the transmission and for them to install it.

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Dave That's right. You had a car that wouldn't go backward, would go and go in reverse. And it was a transmission. So I did not know about that. Yes, I was part of your story. Oh, trust me, I would never forget about that. You filled it up with stereo equipment.

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They shake an eight block area, but it wouldn't go in reverse. Would not go reverse. Yeah, you were that guy.

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I guess not now. Not now, sir. No, sir. No. Yeah. So now I do remember this story now.

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So you really did you put a salvage salvaged from a junkyard.

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Yeah. Yeah. Literally went in there and had wanted it. The auto guy who was doing it, he had to come in there to pull it out of the car and it worked perfectly for another two years. So that could be another option for Rick to consider.

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Wow. Absolutely incredible. You know, but I like your idea first. If she can buy a good quality car that's about that up sell salvage, not fool with it.

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But, you know, you may that may be the answer. So the point is, don't spend. I don't think you're going to spend twenty four hundred dollars on this car. No, I think I'm gonna find another way around this to work to work my way through this if I'm in your shoes. Hey, thanks for the call. We appreciate you joining us.

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Ali is with us. Ali is in Mobile, Alabama. Hi, Ali.

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How are you? I am going how are you, Anthony Davis, today, better than we deserve. What's up? OK, so my husband just started listening to y'all about two, three weeks ago and we are down with, I guess, that one, we're on to forty eight thousand in debt and thirty six thousand of that is my card. Oh, please know if you can't excel at the 2015. So we're talking about selling it and thinking about it for about a week now, myself and I just rolled my husband last night, if we could sell it for twenty nine thousand, which Kelley Blue Book value, that's kind of in the middle.

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And we were still about 60, 500 on it roughly. And I don't have that cash just lying around to finish paying it all back. I wanted to see what you would recommend that they might get a loan or how would I go about doing that?

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I would get a loan for that amount because I'd rather be 6000 in debt than 36000 in debt. And who is the car financed through?

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Capital One. OK, you're probably not going to get any help from them. They're not not a very helpful company. That was nice.

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And so, you know, your local credit union, your small town bank, your regional bank in the area, if you do business with one of those or if you could do business with one of those, they might make you an unsecured loan for seven grand or something. What are you going to be driving if you do this?

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So my husband has a I think it's a 96 Toyota four runner that has about three hundred thousand miles on it, and I think he says how known by paperclip. So AC comes and goes, but I'm trying to get paid off debt free by my birthday, which is in February.

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So you would be down to one car, is that what you're telling me? Yet he has a company vehicle as well. Oh, OK. OK, so he drives a company vehicle, you drive the junky truck and you get out of debt by February and then you save up and move up in car. Yes, and I guess hold back would be the car so old he doesn't have going to break down with anymore. So what would you say to him about that?

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I think that car is going to make it to February. Absolutely. And if it doesn't fix it, if it doesn't, it's a bad break down in there. But all cars break, all cars break down, some of them more often than others, depending on the wear and tear. But that's a part of life. I don't think you're taking a substantial risk between now and February. It's not that long to run. You're doing it for 10 years.

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That might be a legitimate fear, but I wouldn't I wouldn't worry about it. I think you're on a good plan here. You know, I don't sit back and just trust that politicians have my best interest in mind, which is why if I had student loans, I would not be waiting around for the government to save me right now. Financial as some of the lowest rates they've ever had. If you have private student loans, get your rates down.

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Now, no one's going to fix this for you. Take control of your own money. Go to splash financial dotcom slash Ramsey. That's how they will know you're one of our listeners. Splash financial dot com slash Ramsey. If money fears are driving your decisions and then covid comes along and shakes up your plans for a whole year, I'll bet you're really afraid in a position where fear is killing you right now, you may have even shifted the way you saved or spent money.

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Al is with us in Dallas. Hiya. Welcome to The Dave Ramsey Show. Thanks for taking my call. Sure, what's up? So so my parents are split up their divorce and my dad recently passed away. She didn't have a trust, she didn't have a will, but his wishes were to have the house under my brother, my name and my sister's name. Well, it turns out that the actual house, the title is under my mom's name, which is in his name and his sister.

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Which the sister is not cooperating, does not want to give the signature. For us three kids to be in the title, so I'm trying to decipher this, what will be the best route to go about refinancing the title? Selling the House on the issue is that my brother lives there where my dad used to be, you know, my dad's house. And he doesn't believe that he wants us to. We could be in the title, this issue on the House.

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He doesn't he doesn't believe what. But he said that we should be on the title, your brother doesn't exactly. OK, because he's been living for my dad and I know it's such a different story, but my brother passed part of my dad passing away. He had to do a deal with him. I was involved in that. It's a different. But what I'm saying is that he believes that, you know, because he's been living there for a long time, that he should be able to own the house.

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Oh, but. Oh, OK. Let me let me help you with this, OK.

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What your what your aunt wants or what you want or what your dad want wanted doesn't have anything to do with anything anymore. There's a simple reality legally, you need to you need to see an attorney. There was no will. Your mother is in Pardners with her ex sister in law. And her three children on the other third, you own one sixth of this house, is what the attorney is going to tell you. You have a freaking mess, my friend.

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Yeah, yeah, it's it's it's the the actual the actual. My dad what my dad wanted is to basically your dad should have done.

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Well, what he wanted now doesn't matter. Yeah. He didn't do well. So I could actually hire an attorney even though I'm not under title. You are an heir to your father, there's three living heirs to your father, he had three kids. He didn't have any other heirs. No, it's basically just my my my brother and my sister. So your father used to own one third of the house. OK, his sister on one third and his ex-wife owned one third, yes, got it.

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The divorce doesn't matter since they didn't execute the divorce either. Your family doesn't do paperwork much. So your mom your mom never gave up her half of the house or her third of the house after the divorce, and she was probably supposed to, but since she'd never got it done, your dad never got it done. She still owns it.

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Yes, exactly. And that's what she's she's trying to decide. I'm so sorry she's done. She's trying to decide because he says, like, well, I kind of own the house, but I want to kind of give the house to my better because he's been in there for a while. It's like, well, you know what? My dad wanted to what's the house worth?

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The house.

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It's actually I mean, it is a rundown house, maybe 200000 or 150. And they only know about 40 grand on it because they have a second mortgage.

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What do you what do you make a year? What do I make a year of about one hundred and fifteen thousand between my wife and I? OK, man, I got to tell you, you're going to your portion of this. One sixth of the equity is your portion. Yeah, it ain't worth it. Or did I just sign it over to whoever wants it? I don't care and let them all sit over there and fight in a big pile?

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Yeah, because this is going to end up being a you're going to spend more in legal fees to get this mess untangled because the players aren't wanting to play. Yeah, and nobody's want to do the same thing. Everybody's got their own little thing and you own one sixth of a mess. Yeah, that's about 15000 would have been. So it's not so it wouldn't even be possible for my mom to, like, refinance the house and know that, no, you can't refinance the house unless all the owners sign.

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Yeah, what about the actual from the South Sea will have to pay my offer. You can't sell the house unless all the owners sign. Yeah, and it's a big mess. Yeah, you know, and so the only way to get the house refinanced or get it sold is to get everybody to agree and sign deeds over to one person or two people or whatever and get all this dadgum mess cleaned up or go to court and have a judge force the sale of the house and then everybody gets their part.

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But you're going to spend more money than you're going to get. In Lawyers for Yocha. So, I mean, I really if if I were in your shoes, I would just sit back and watch this happen. I wouldn't say one other word. You're trying to fix it because you're a good guy. But it's a mess from the divorce and one of the worst divorce done.

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Your mom is supposed to a quit claim deed, probably over to your dad and then he would be the two-thirds owner. You'd have controlling interest. The three of you would you could force your aunt to sell it. You don't have a controlling interest. You have a one sixth interest. Now, if your mom signs over her portion to your brother, you sign over your portion of your brother. We might force your hand out at that point, but she's going to get her portion at the sale and the house probably needs to be sold and clean up.

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The mess is probably what needs to happen. And then everybody gets some money and walks away and.

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But your brother's delusional because he lived there. He thinks he has some kind of squatter's rights or something. I don't know. He's delusional. They're not doing anything and they just want you to. Well, that's exactly what I just want to say.

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That day I'm over here confused myself. What? Wait, huh? This is why I have a will at 36 years old, because I don't want that to happen. If something happened to me, to my house and my assets.

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Yeah. And you don't have any kids. You don't have a wife, but you got family. You got brothers, sisters, moms and dads. And you don't want all them fighting.

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Don't I want it to be simple. Read my will and y'all going back to bed. And if you have a detailed well showing exactly what's supposed to happen, then that is the only option. Yeah, but in where there is no will then it's a straight set of, you know, whatever the probate law is in that state. But in most states it would be pretty much like I outlined for him. In most cases that's what's going to happen.

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And if you go through a divorce, get the quitclaim done on the on the dadgum thing, you get the house refinanced, get the mortgage out of the person's name that no longer owns it. Yeah. So his mom should not have given a quitclaim unless his dad refinanced it, got the mortgage out of her name and then she goes to quitclaim deed.

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Then Dad would have owned two thirds because apparently his sister owns a third.

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Yeah.

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Wow. Well, I'm confused. How did the sister even get involved? Yeah, that's the other thing. So this is why when people are all sitting around on the back porch drinking beer and they come up with us all to buy a house together, this is where it leads you. Yeah, this is where it ends up. Not in my house. Beer pong, financial planning.

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In the lobby of Ramsey Solutions on the debt free stage with a question is June from Omaha, Nebraska. Hi, June, how are you? Hey, Dave and I. Oh, it's good to see you guys. Good to see you. How can we help?

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So we want to thank your team. My husband and I have been debt free for about a year and a half. Way to go say so because we've listened to you so much. Our daughters have sometimes been tortured in the car for hours and hours, just listening to the show. And we talked a lot about business and they're very entrepreneurial minded, but good times as many teenagers can be. They have so many ideas rolling around that it's hard to kind of open it in.

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So my husband and I would like to know how we can guide them, but at the same time not crush that spirit.

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Mm hmm. Okay, that's really good. Give me give me an example. What you mean as far as in they have a lot of ideas. Give me like three examples they have.

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So sometimes they talk about they want to bake and sell their baking. One is very good at painting. She would love to sell her paintings. They talk about maybe starting a dog walking business or just so it's kind of all over the spectrum. So that's why some guidance will be great.

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You know, as your as their mother, where do you see their strengths are? Because I think young people, we will come to the table with a lot of ideas. But as a mother and a father, you can guide us and say, you know what, longevity. This is where you're strong at. And we're just going to focus on this one thing. So what you said is good at painting, is that her strength right now? Then also we identify can even make money with painting at the age of 15 years old right now.

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Right. Obviously, there's so there's one that's a good baker and who loves to paint. And her paintings are amazing. So I would say if I were to see somebody selling paintings for a younger person who is maybe trying to earn some money to go to college or a car, I would definitely buy something like that. So I think I would love to encourage her in that. OK, now the other daughter loves animals and I would love to encourage her in possibly starting hey, well, do you dog walking.

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But then there's always the questions, OK, do we have to have professional liability insurance? Like what's the ramifications on our end of it versus, you know, what she can handle is like a fourteen year old.

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So yeah. So the dog walking business is actually very, very common and very, very lucrative for a young person. Ashlynn, that my most recent product we did buy a couple of years ago, Dave Teen Entrepreneur, Toolbox Kid, one of our young kids in there, was making about 45000 dollars just from watching dogs walking dogs a year. So it's very, very lucrative. So I like that idea. I'm not privileged to pay anything. But I do know one thing.

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People are always hungry and so baking, you know, you can honestly make some good money as a young person in that I don't know about the painting side, so I have to go with you shrimps. But those two are good. But I would definitely get our teenage Bruno to a basket. And as a matter of fact, I'll give you one, because we're going to teach you everything you need to have in place for those two beautiful young girls out there for what you need to have to be a legit running business.

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And so there not any insurance requirements for every state for walking dogs, but there are some. So you do have to go by the state that you're in.

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Okay. Yeah. And most of the time you don't worry about it. Yeah, I was time. It's just, you know, I'm not going to make a big deal.

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This the point of a teenager starting and running a business is not that that's probably going to be their life's work. The point is not that they're going to make a lot of money. The point is they're gonna learn how to work. They're going to learn how to be good to customers and smile and put up with a crazy person.

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Every so often those are called customers and they're going to learn how to price something more than they paid to make it. You don't want to you don't want to lose ten cents a watermelon and get a bigger truck, you know, so you learn how to price it and make a margin.

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And so it's all about the lessons. Yeah. That they get.

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It's not about that that's going to actually become their life's work or make them wealthy with a rare, very, very rare exception of some kid who, you know, goes on and starts making unbelievable crazy money, doing something which happens one out of a thousand or one out of 2000 young entrepreneurs or whatever. I mean, I have met the seventeen year old who made four point two million dollars building an app for Animal Farm.

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Yes. Or something is not a thing. Yeah, it is. Yeah. He bought it. He built an app on like what?

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Cheap coach and stuff, how to add stuff to the Animal Farm and had made like four million bucks and so that but that's very, very his dad worked for him now but is very unusual.

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But the what most of the time when my kids are working, it wasn't that I was trying to, I was just trying to teach them entrepreneurism and, you know, shake someone's hand, look them in the eye, smile, take care of the customer and pricing model, price it. Fair enough that you make a margin. Here's what margin.

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Here's what your you know, your your your gross revenues are your net profits. Cost of goods sold and other things come out of the middle of that, and you start teaching basic accounting and some simple stuff. I mean, when I cut grass at 12 years old, it wasn't because I was going to own a landscaping company.

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But, you know, but I had to take my gas for my lawn mower, my repairs on my dad's lawn mower because I was wearing his out and, you know, the purchase of a new weed eater or something out of that and then minus, you know, from all the income that I created.

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And then that's my net profit. And it made me keep a profit loss statement on my business at 12 years old. And so, oddly enough, I'm still doing that. So that part's good. So I think the lessons are what you're after. And one of the lessons you're talking about is focus.

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Yeah. Yeah, absolutely.

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And so it might be that you could look at like we would look at a business here. We've got two opportunities. We don't have the ability time wise, the bandwidth to do both. So let's analyze and say, OK, if you saw if you made a painting, it takes this long to make it and you would sell it for this. You'd have some supplies cost in there. And so you could do this many paintings in a year and you would make X.

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Well, instead, if you did baking, you probably could do more of that.

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It's probably cheaper, you know, and so you'd have to sell the paintings for a lot more in order to offset what the baking would do. And you can compare the two things from a business comparison and then choose one. So maybe that's maybe that's one of the lessons because you simply can't do both.

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OK, well, I mean, you could you could put your finger in both things. But if that's not that's not good. That's not good entrepreneurship either. So you start with one, get it going. And then if you want to add something to it later, fine. What you got this one going. But, you know, I start looking at the simple logistics of how much of this I can put out, what's the output and therefore what's the profit going to be?

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And then compare those two opportunities and choose one. That's a business analysis. And it's not that it's not I mean, a primitive business analysis. So not not that complicated.

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So I think the thing I have to remember when I was raising kids was I'm really not training them to do this thing. I'm using this thing to train them to be adults as a tool. Yeah. Yeah. How old are you?

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You kids? So the blonde over here is 14 and the brunette will sorry, the blonde is going to be 15 like next week. Okay. And there is going to be 14 next month. Okay. All right.

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Very cool. Well, Anthony, we'll take care of the cattle, take care of you and get you a toolbox teen entrepreneur tool box and help you get that done.

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And that'll be helpful, too. It's a pretty incredible product Anthony put together. So congratulations. Well done. Thank you so much.

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Open phones at eight eight two five five two two five. Brad is with us in Dallas. Hi, Brad.

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How are you? Hey, good there. How are you guys doing? Better than I deserve. How can we help? Yes, sir.

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So I'm a paramedic here in Texas and we have a mandatory seven percent. Did we have to donate to our pension? I was curious what would be better to do with the other eight percent, whether it be the 457 plan that has no employer match or roll it over into a. I would do a Roth. The wrath is the rod, the 457 is tax deferred and the wrath is tax free.

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Yes, sir. Free is better than deferred. That's kind of where I was that I had a buddy of mine, he was like, absolutely not, that's the wrong choice. And he said, the people you go talk to there, they're not being nice about this whole millionaires.

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Well, here, here's the way the math shakes out.

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OK, if you're 450, if you put the same amount in the same mutual funds on a 457, it's tax deferred growth is deferred comp. All right.

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And let's say that that account grows to 500000 dollars.

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OK, if you put the exact same amount in your Roth in the exact same mutual funds, it would also grow to 500000 dollars in the 457. The 500000 is taxable. In the Roth, it is not. So taxes on 500000 would be 150000 bucks, which is how wrong your friend is.

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Yeah, you can tell he's not a millionaire. This is the Dave Ramsey Show.

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Anthony O'Neal, Ramsgate, personality number one, best selling author, also the creator of the Teen Entrepreneur Toolbox, is my co-host today here on the show, Open Phones, a triple eight eight to five five two two five. That's triple eight eight two five five two two five.

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Sarah is in Louisville, Kentucky. Hi, Sarah.

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How are you? Hi, I'm I'm doing well, how are you all doing great. How can we help? Yes, so I have a question. Me and my husband just got married in June and we've been together for almost nine years and until I get out of college, so we decided to get married and has his views on having the same four separate bank accounts has changed right before we got married, basically. And I guess what I wanted to ask you is, what do you suggest or how do you think we can communicate on compromising on.

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We should have separate or the same account. I personally would rather have a joint account because we're we're married now. We're a couple. We're one. He feels that we should have separate.

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Why? The question I tried to ask him that, and he doesn't I don't know, it's hard to explain, I guess he doesn't want to be managed, which as far as asking him why he spent his money on this or that, not his money. Yes.

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Just to say that. It's not his money and it's not your money. Yes, yes, I agree with both. Yeah, it's our money. Yeah, if you want to be independent, you shouldn't get married. I told him that, yeah, I like, you know, was like then, you know, I just. OK, let me let me tell you. Let's talk this through.

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Jesus, Jesus said your treasures, where your heart is, where you spend your money. Is directly a direct reflection of what your views on life are, what your value system is, what your fears are, what your dreams are and how you spend your money reflects all of that. When a couple does not combine their spending and their accounts and their goals, then they haven't combined their goals and they haven't combined their dreams and they don't face the fears together.

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They're doing life as two roommates, which is what you did for nine years. That's the problem.

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And then but the you know, you haven't combined where you're going.

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And so communication is down and there's a high probably a much higher probability of marital problems and divorce in that situation.

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And the other piece of it is this out of the 10000 thousand millionaires that we interviewed.

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One of the things we found very, very consistently in the largest study of millionaires ever done was that they combined accounts and work together with their spouses and their spouses were supportive and cheerleading.

[00:33:22]

Yeah. I agree they weren't pulling apart, pulling each other apart. Yeah, I agree, it's weird, it's come from one out of eight. He's the only child grandchild. So I mean, our values and views are the same besides. Of course, the question I'm asking you, but so far as that, you know, we try to work together and well, I think you got to think you need to get some marital counseling. Yes.

[00:33:51]

Yeah, that's what I think. OK. And have a good someone that you can both trust to speak into this, whether it's your local pastor or a good marriage counselor or someone that you can both get trust with. Because the idea that, you know, I don't want my wife telling me went today why I don't want my wife telling me what to do either.

[00:34:10]

Mm hmm. And Sharon doesn't want me telling her what to do, and so we lay out a game plan together that we both have a vote in. And I don't tell her what to do, and she didn't tell me what to do. We talk through it and we both come to the same conclusion that this amount of money is going for this. But I don't just wander off and go do whatever the flip I want to do. And oh, by the way, Sharon has not created a personal income her by herself that she created income in 34 years.

[00:34:40]

All the income that comes into the house, I did, but it's still our money, it's our income and I treat it as if she created the income in terms of her vote is equal to mine.

[00:34:53]

When we get ready to make a large purchase, when we get ready to make a decision, we have to do it equal.

[00:34:59]

And he doesn't.

[00:35:01]

This is going to be very difficult for young. It's going to it's going to really hold you back, it's going to be a stumbling block in your communication, your relationships, if you don't solve it and don't have a magic wand to make it go away.

[00:35:12]

And, Sarah, what you got to do is you need to tell them I mean, ask to go find a counselor that's willing to meet with you all. And they come to him and say, you know, they can we can we just get some some wisdom? Don't make it just about this. Make it about, hey, we just want a healthy start, you know? So that way he doesn't feel attacked. He doesn't feel like you're just trying to prove a point.

[00:35:33]

But say, you know what, hey, let's get some counseling, let's get some wisdom around our marriage, how we could do this, start off on the right foot and then bring that up in that situation. Because, Dave, here's my thing. If he's having a problem with that, he's having some some other problems and other things within their relationship as well. I agree. And so I would definitely recommend that, Sarah, to please listen to us get a counselor, but get a counselor for everything, not just one particular issue.

[00:36:00]

Yeah, we pretty much one of the conditions of giving blessing from one woman getting married was that they're going to detail into marriage counseling because they come from a weird family. Yes.

[00:36:14]

Just imagine being my kid.

[00:36:16]

Yeah. Oh, my God. Yeah. What what a blessing and a curse. Yeah. Yeah. You know, and so are can you imagine marrying my kid and having to put up with this loudmouth family?

[00:36:26]

That's got a lot of opinions though.

[00:36:28]

You know, you got so you got to get ready for this stuff. So if you were single, if you're an only child and the only grandchild and so you think you're special, well, you're bringing problems to the marriage.

[00:36:39]

As you know, if you're one of eight and you're used to sharing, everything may be way too much. You might be bringing problems to the marriage.

[00:36:46]

Guess what? We all bring problems to the marriage.

[00:36:49]

I know I learned to work through those things. And so it's different. Like when you get married in your 30s versus somebody get married at 21, it's a different game because you kind of in your way, you're lucky.

[00:36:59]

And you got your little system.

[00:37:01]

Mr Bachelor. Yeah, I'm so Stav. I know that.

[00:37:04]

And, you know, somebody's going to interrupt your system. You know, that's going to be that's going to require some some discussion.

[00:37:11]

Dave can move on past the subject. I'm really mad. Dave is kind of scary to me.

[00:37:17]

I mean, can you imagine Rachel Cruise, Ocean Cruise sitting and premarital counseling discussing Dave Ramsey?

[00:37:25]

No, no, not right now. Not right now.

[00:37:28]

I can promise you it ain't all good. Yeah. Yeah, I know, Winston.

[00:37:33]

I know. I know I'm a saint and I know I'm perfect. But other than my other than my narcissism and this and I get it. But, you know, that's what you imagine.

[00:37:45]

I mean, I don't know, Dave, but you know what? The problems that you can I mean, we have extra problems in this family because of the celebrity status and the wealth and the other stuff. There's extra problems you're coming into more than just normal everyday to his to Sarah. To Anthony's point, everyone has something to unpack.

[00:38:01]

Absolutely. I'm going to have a lot of time, Pat. You know, my brother's getting married next month, Dave. And he actually did premarital counseling before he engaged because he knew that they both had a lot to impasto before they even said, yes, let's get married. They went to counseling beforehand to see if pre marriage, pre pre.

[00:38:20]

Yeah. And he said it was the best decision.

[00:38:23]

So I said, OK, I'ma try it out when I do find one and I'm going to try that as well. Yeah. Because there is a lot that comes with Mom and you're going to have the same exact thing because you're in the spotlight.

[00:38:32]

Everybody knows who you are. You've got a huge social media following. People recognize you when you're walking down the street, you know, and that's a weird thing to marry into.

[00:38:41]

It is it's a strange dynamic and, you know, so it's it's it's just a thing. So. Yeah, and everybody's got something like that.

[00:38:52]

So in Sarah, in your husband's case, it's just that he thinks the top of the world rose to the top of his head because his parents grandparents told him that because he's the only one running around, nobody else running around underfoot.

[00:39:03]

And that doesn't make him a bad guy. But he's going to have to share for the first time in his life.

[00:39:08]

Yes. If he wants to be a good husband. And that's just, hey, that that's not picking on him.

[00:39:15]

We're all gonna stop mercenary unpacking our stuff in front of you.

[00:39:18]

So there you go. Good. Our good. Our thanks, James. Charles, our producer is our associate producer and phone screener. I am Dave Ramsey, your host.

[00:39:27]

And we'll be back later. Hey, it's Kelly, associate producer and phone screener for The Dave Ramsey Show.

[00:39:42]

If you would like to do your debt free scream live on the show, make sure you visit Dave Ramsey, dotcom slash show and register. We would love for you to come to Nashville and tell Dave your story. Money isn't the only thing we talk about around here.

[00:39:57]

Get life changing advice on your career from my good friend and career expert Ken Coleman. On the Ken Coleman show, according to a recent Gallup poll, nearly 70 percent of Americans are disengaged at work. If you dread going into work every Monday morning and you're just trying to make it to the weekend, the Ken Coleman show is for you. Everyone has a sweet spot. Your sweet spot is at the intersection of your greatest talent and greatest passion. We will help you discover what it is you were born to do, and then we'll help you create a plan to make your dream job a reality.

[00:40:33]

You matter and you have what it takes. Join the conversation on the Ken Coleman show. Hear more from the Ramsey network, including the Ken Coleman Show, wherever you listen to podcast.

[00:40:45]

Hey, it's James, producer of The Dave Ramsey Show. This episode is over, but check the episode notes for links to products and services you've heard about during this episode. Thanks for listening.