Live from the headquarters of Ramsey Solutions, broadcasting from the Denver, Colorado studios. It's the Dave Ramsey Show where debt is dumb. Cash is king and the paid off mortgage has taken the place of the BMW as the status symbol. I'm Dave Ramsey, your host, Rachel Crooge Ramsey, personality number one, bestselling author, a couple of times over. And my daughter is my co-host today here on the air, we're taking your calls about your life in your money.

A triple eight eight two five five two two five. That's triple eight eight to five five two to five. And Rachel is kicking off our live events team is kicking off a No. October 28 special live stream event on the theme of Rachel's book that comes out in January. Know yourself, know your money.

She'll be joined by the one and only Dr. John Boloney and the one and only Dr. Henry Cloud. You're the only one, not a doctor.

Yeah, well, in Crohn's on there as well, is he right? Yes. So we're doing any agreement money as well. Just understanding self-awareness and all that. And so I don't know if the doctor he might, but he is I'm sure he is pretty smart. He's a pretty smart guy. I he is. So yeah, I'm for sure the only known doctor. But but I'm the only lady. Right. I'll take that.

There we go. You'll have insights just you to that. Know yourself, know your money.

And this is all about the way really what causes you to make your money decisions and do things.

And if you can understand that, you can become a better version of you.

Socrates said, know thyself, know thyself.

And you know, the unexamined life is not worth living, he said.

And so when you know yourself, when you've examined yourself, you say, I'm a saver, but I've been a toxic saver.

I'm a spender, I've been a toxic spender, or I came from a family like this. I don't want to be like that. Or I naturally lean to scarcity, mindset versus abundance, or I enjoy buying quality things and items where my spouse wants all quantity and cheaper and more. I mean, like it's just there's so many ways that we're wired and our tendencies and how they go.

And so you get this dialed in, it accelerates you on your money journey. Absolutely. Oh, it's amazing. The self-awareness that comes, which is one of the reasons I wrote the book is I'm like, when you can unpack and understand who you are, you can apply that to your money and went so much faster, so much faster. So this event I'm excited about because like the book, it's not yourself, is that self awareness piece of learning you, but also knowing your money, how do you apply it to your money?

And that's what this event is.

And so I think in strong lineup, Deloney, Henry Cloud and Morgan Inclan Hankerson from Enneagram stuff.

Rachel, these are all best selling authors except Aloni, which he will be soon.

And I mean, this material is deep and solid. It's pretty cool.

You can it's only fifteen dollars and you can register starting today, a day for Amazon.com. It's going to be got fifteen dollars.

Well you can buy the book and you and it's twenty five so you can add the book on to your tickets and it goes up to 25. OK, so you get the book essentially for ten dollars.

Yes exactly. If you would, if you had it on that works October 28. So a couple of days before Halloween. Yeah.

We're going to let you look in the mirror and hopefully you won't see some scary and you might because we all do.

We all have stuff about ourselves like what's now? But this is yeah, it's it's really fun content again, because at Ramsey, most of our events when it comes to money is it's the how and this event we're just diving deeper into understanding you and kind of unpacking your story, who you are at, what causes you to handle money the way that you do. And having Dr. InterCloud, a psychologist, John Delany, is like the emotional wellness expert of the space.

Ian is such a great one for this event as well, because the Enneagram was a great tool that I've used just in the self-awareness. And to be like, OK, yeah, that's so interesting and so kind of unpacking all of that with him. So it's it's going to be a really fun event. I'm genuinely, probably selfishly very excited about this. This is like right up my alley. Obviously, I wrote a book about it, but I love it.

How you go when is in Fort Worth, Texas, high wind. Welcome to The Dave Ramsey Show.

Hey, Dave. Rachel, thanks for taking my call. Sure. What's up?

So my fiance and I are about to get married in January. Yeah. And yeah, we're excited. And she has a trip to Phoenix and I believe she only has about 5000 dollars left on that truck. No, it's just a loan from her parents and I think three percent. So my question is with with the money that I have in savings, should I go ahead and help her pay that off so we go into our marriage debt free, or is that something that I need?

You say you shouldn't really combine your finances until you're married. So what's your thoughts on that? I'll give you the short answer when.

No, don't don't pay off the truck right now. And the reason is, is because, again, like you said it, you said it is don't combine your finances until you're married. So you guys going in and wanting the ambition of, hey, we could be debt free once we get married or before we get married. Awesome goal. But I think the moment you guys say I do, the vows are exchanged. You can leave on the way to the reception.

Just get on your phone, pay off the truck, and then you are your free and clear. But just wait till that wedding day, because sadly, not that this is going to happen to you guys, but there is I mean, we've heard countless stories over a few decades of fiances or even people who are just dating, paying each other's debt, starting to work together and stuff happens. And they're like, oh, wow, all that money just left, like with her or with him and sadness all around.

So so, yeah, I mean, it's more just the abundance of caution. And and again, we are people that we teach of obviously debt free living, but we also teach you don't have to be debt free before you get married. You don't have to be debt free before you have a baby like your life.

Events are still going to happen. And then the exciting thing is that you have the money. So once you guys do get married, it is then your money together. Yarl's money and you can pay it off quickly. Exactly.

The only thing I would add to this is you guys need to get a little more detailed on what the flip's going on with each other because you're at hish, I think I believe, or the word you are using around the balance on her truck.

And that means you don't really know.

So by, you know, close of business tonight or the next time you guys sit down together, go through each other's financial stuff in great detail because we're getting ready to combine it 100 percent disclosure so that if you were to call me this time next week, you would say she owes five thousand three hundred forty two dollars to her father, which you said it was a parent loan. Right. And and it's on the truck and the truck is worth nine thousand six hundred dollars.

I looked it up on KBB.

And so, you know what you know that you're getting into and both of you know that you know that.

You know, some of the most damaging things that we found happened in the first year of marriage are where someone kind of thought they knew, but there was another zero and it really wasn't kind of even close.

So I don't think that's going on here. Dude, I think you're fine. But but I'm just going to challenge as a part of your pre marriage work, sit down and you could even say, OK, if we were to do a budget together, if we got married tomorrow, what would this month look like?

And you could do a mock like they do a mock draft of the NFL, right. You could do a mock budget that said here's what it would look like.

And that would cause you to have some interesting discussions. Yeah, money fights, money problems. It's a big part of marriage. That's a very normal thing. So to avoid that at all cost is key.

Worth it. Worth it. Worth it. Rachel Cruze, Ramsey personality, my co-host today here on the air, this is The Dave Ramsey Show. Listen, there are some basic things that you should be doing to take care of your family, a roof over their head, food to eat, a car to get you from A to B and term life insurance, term life insurance is an immediate need no matter where you are in the baby steps, since your family is at no greater risk than when you're in debt.

The only place I send you for this is to Zander Insurance. They shop all the top insurance companies and they're committed to serving you. That's why I use them and have recommended them for over 20 years. Go to Zanda Dotcom are called 803, five, six, 42, 82. Rachel Cruze Ramsey, personality number one, best selling author, is my co-host of that here on the air. Danica is with us in Fort Lauderdale, Florida. I Danica, how are you?

Hi, Dave.

Hi, Rachel. Thank you so much for taking my call today. Sure. What's up? So my husband and I, we're on baby step two. We recently welcomed our first child, our baby girl, four weeks ago.

Yay! Thank you. So we are our household income is one hundred and forty two thousand. And we have that at that balance of one hundred and forty eight thousand. We throughout the pregnancy this year, we actually were still we were saving for the arrival of our baby, but we were also paying off that we paid off about 30000. But we were wondering, should we sell our house in order to kind of speed up the debt payoff process? The 140 include your home.

It does not. What is the 140? What kind of debt is 148 hundred?

Nine thousand of that is student loans and the rest is consumer debt. One car loan and credit card.

How much is a car? The car is ninety five hundred. We got rid of one car, that's. This is the only car that we have right now. Hmm. And you paid off thirty thousand so far. We did nothing big on that, we started off our after January 2nd of this year and we stopped last month. We had her we had Victoria a month ago. So, yeah, we stopped in the last month or so to kind of get situated.

OK, how much would you get from the house if you sold it for balance of about two hundred and twelve thousand? We're hoping that we can sell it for a little over three hundred, maybe three hundred, maybe maybe three or five seventy five on it. Yeah. You like the house.

We we are grateful for it. We don't see ourselves staying here for longer than two more years honestly. But we, we are grateful for it. But we would have somewhere to go. Our parents, they have a couple of extra rooms in there in their home. So we were wondering, should we make this last sacrifice?

We will be willing to if it means that we can, you know, pay off our debt and get on to, you know, OK, so I answer questions on this show by what would I do if I woke up in your shoes knowing what I know about getting out of debt and how it leads to peace, freedom, all that kind of stuff, OK?

Right. And so here's the way I would map it out if I were you guys.

That way you get a real clear picture of the trade off.

Number one, you are not in a position to move in with your parents. I would not do that. If you say, oh, you're going to rent. OK, that's what I would do. OK. You have a new baby, you have a good life, you make one hundred forty two thousand dollars a year.

You don't need to be in your mama's basement, built in built in baby sitter, though, but it will keep going with something like a pro know. Keep on going.

I think we're picking up three of them in the morning. OK.

Anyway, the so the. Anyway, let's map it out.

If you sell the house. If you don't sell the house, ok.

OK, if you don't sell the house I think you're on a 45 to a 50000 dollar a year debt reduction. Beans and rice, rice and beans, which puts you out of debt and somewhere around three years from today. OK. And I did that based on 30000 done in nine months, and you were pregnant. Yes. OK, so now things are going to be normalized a little bit. You can cut this this lifestyle down to nothing. You can just have one singular focus babies here, and that is for three years, 50000 dollars a year.

And you are done.

OK? OK. And that's going to be three very long, very tough years because you are going to have no freaking life during those three years.

OK, that's that's possibility number one. Possibility number two is you sell the house and you still have a year to get out of debt while you're renting and then you're going to start saving to repurchase stock if it takes three years to get out of debt, staying there and it's three years before you're ready to buy again. Even though you sold in our debt free. That's what I would look at, what I would weigh out. OK. And so and so then you can also reach out there and say seven years from today.

If I go this way, this is where I'll be, if I go that way, this is where I'll be. And seven years from today, you're going to be in a different house anyway, you told me that, right? Seven years from today, you're going to be debt free either way. Yes.

And seven years from today, you will have either sold this house and been a renter for a little while and then saved up and bought the house. Or you will have had this house and you will sell it.

It will be worth more five years from today when you sell it and move into the seven year house. Right, so so there's not a right or wrong here, what you're saying either way, you're going to get there. Yeah, and I think for you guys, I mean, Donica, since you I mean, we talked to some people and they're like, no, I'm in my dream home who's resell it?

And it's like this like sadness. I mean, it's just terrible, you know, that, you know that departing with a house. But you've already kind of emotionally detached from me. Like, I will be out probably three years. So almost the emotional side. It may be easier just to just to go and sell it, move out, accelerate that debt free journey and then save up and then pay pay for another house later for that down payments.

But again, neither one's right or wrong.

I honestly think mathematically, seven years from today, you're going to be in about the same place either way. OK, I see it the way I laid that out, so I don't care, it's kind of crazy, but here's what I did pick up on, OK, you already saw one car. You said we'll sell something else. Now I'm ready to sell the house. It's like you guys are ready to get out of debt. There's this.

I'm selling everything right.

And that's you communicating that to us just the way your spirit's working right now. And so that's what Rachel picked up on. And she's got yourself in the house for that reason, right?

Right. But but mathematically, I think you're OK. So I think you just have to sit down and weigh out. But I personally, I would not advise you making this kind of money with a brand new baby.

I don't think you need to be in your mama's house, OK?

I just don't think it's necessary to accomplish these goals, that is. And the advancement of these goals is so small due to that decision that it's definitely not worth it in my mind.

OK. You know, I we did have some reservations about that because if we went, we would probably be spending the same amount that we're paying on our market. You pay fifteen hundred a month for a market.

You're probably going to spend the same amount here in Florida and you might even have a little better house, too. That's possible. You might move up a little bit if you did that. I don't know yet. Here's another thing you can do that'll help you with the decision is gather real facts, not concepts. Go shopping for rentals this weekend.

It may make you throw up and you say, I'm staying in my house or it may make you go, oh my God, I can rent that for 150 bucks. Oh, my God, I'm so in this house, you know?

And so I don't know I don't know what kind of point market marketplace you're in.

But sometimes when you put real facts on your ideas, your ideas don't have the shine anymore. It's so true, though.

I like the facts. Take the emotion out very quickly. Right. It's like you can kind of dream up the whole thing and then you go actually see, you know, this is literally what will happen. You're like, oh, wow, OK. And it does it helps make the decision. Yeah.

Like, ouch, ouch, ouch, ouch. Open phones at eight eight to five five two to five. Matthews on Facebook, I come from a very dysfunctional, toxic family. How do I set up strong boundaries with an entire family in order to protect myself and my wife?

The boundary conversation, it's a big one. I mean, I would say for sure it's going to have to be something that you if you're married, that you guys sit down together and say, OK, here are the things that are going to have to put into place. And then once you and your wife decide that it has to be communicated to the other families, I don't know.

That's boundaries around money. I don't know if it's time. I don't know what boundaries specifically you're talking about. I don't think you said it now, but but yeah, it has to be clearly communicated. And usually with the more unhealthiness that's in a family, the harder those boundaries are going to be received, if you will.

Well, that's accurate. And reading into the wording that you used, I think you've probably got some pretty messed up people here. You didn't just say toxic. You didn't just say dysfunctional. You said dysfunctional and toxic. So, I mean, you're like put mayonnaise on the bread here, buddy. So pick up Dr. Henry Cloud book boundaries. I don't predict pleasantness in your future, but I predict more unpleasantness if you don't deal with this.

So deal with it. This is the Dave Ramsey Show. Rachel Cruze Ramsey personality is my co-host today here on the air. This is The Dave Ramsey Show. Lisa is with us in Tampa, Florida. Hi, Lisa. How are you? Hi, Dave and Rachel.

Hope you're having a blessed day. We are. How can we help you? Yeah, I might. I'm 60 and my husband is two and we've been rescue coordinators. I could do a commercial for you for about seven years. Thank you. It's been such a blessing to us. And, you know, I can testify. We've seen lives change really forever. And because of your teachings, my husband and I are heading into retirement looking pretty darn good.

And we had a 15 year mortgage and our house is going to be paid off six and a half years early next year.

Yeah, it's awesome. So I'm so excited about that. But as we're heading into retirement, this is my question, Dave. I have two very dear friends who have pointed me in the direction. I'm interviewing two financial advisors. And they have very different opinions, you know, with us being sixty one says the trust is good. The other says, I wouldn't do a trust if you have beneficiaries. And one says, well, let's put some of your money into annuities.

And the other one says, I don't like annuities because right now my money, a lot of it's in the stock market and we're just looking to get a little different opinion and maybe get a little some of it a little less aggressive. So what do you think?

Are either one of them Smart Vesterbro? I don't know if they are well, then they're not, no, my friends recommended then they're not.

OK, so the first thing I would tell you is get a third opinion and that's it with a smart Vesterbro one off our Web site. And that's not just to send you to them for business. That's not the point. The point is, what you're running into is a philosophical problem that the financial world has and the financial world is taught to be arrogant.

They're taught to tell you what to do because you don't have a brain. And then roll their eyes, in a sense, if you don't do it, instead, what we teach you and you know this from Financial Peace University, is your job as the owner of the money.

The manager of the money for God is to.

Get someone with the heart of a teacher and then you learn what the options are, and I don't care what they say, you have enough information that you decided based on the information you gathered, whether this is right for you.

So what is your net worth? We have saved now about seven hundred fifty thousand dollars. Excellent. I don't know why you would need any annuities in that personally. OK, I guess the only advantage that the annuity gives you is the variable annuity gives you is it can give you a guarantee of principle if the market turns down and it can give you a guaranteed floor on the right of return.

But as you know from Financial Peace University, we don't teach variable annuities unless your house is paid off, unless everything's maxed out. Right.

And then unless you are really worried about one of those two things, inordinately worried about it, because you're going to pay an extra fee for the annuity and your money is going to be trapped yet again.

And so the like about it's going to be trapped.

Yeah, again, it was to start with in retirement and now it's trapped again. And so I don't I'm 60.

I don't have a dime in annuities because I'm very comfortable with market fluctuations. I'm very comfortable with principal fluctuations on my accounts. They're not going to make or break me. They're not going to make or break you. You're millionaires and you're going to do fine.

OK, so that I do utilize trusts, but only for estate planning purposes because my net worth is in excess of twenty five dollars million. And that's the only time you get into net worth issues with estate planning, meaning the federal estate tax does not kick in until then. OK, and so I've had to utilize some of them, and I'm also using them in a couple of places just for risk management, and the last piece I'm using a trust for is a transfer of this company to the kids.

Is it true what he says, though, about the the trust that that if you have beneficiaries, you don't really need a trust? Well, it depends on what you're using the trust for, you can use a trust for saving money on estate taxes, you don't need it for that. You can use a trust to execute your wishes. If you have beneficiaries in a will, you don't need it for that.

Right?

The only thing it could save you, you're in what state? Florida. I don't think you've got much of a probate tax in Florida. I don't remember. But your state probate tax, it might save you a little bit on that. It's not worth the cost of the hassle to run your life out of a trust.

I wouldn't do it right. So two strikes, two strikes against the annuity and I didn't. Yeah, yeah.

But the point is the point is, I want you to get with somebody where you learn and you're not even doing what Dave Ramsey says. You're doing what Lisa knows to do. And it's just so important to get your hands around you and Winston make your own decisions. You don't come ask me what to do. No.

In fact, I tried to ask you once. You're like you guys can figure it out. I was like, no, really, don't tell me what to do. But now there is something really, truly about understanding the entire process and sitting down and doing that. And like he said, but it's true, Mike, that you make the decision that you're comfortable with, because the moment you start to be uncomfortable is when is when? I think anxiousness comes in.

Right. Some anxiety and like, oh, I don't know about the future, that I make the right decision to be confident.

And George told me about the facts.

And I don't ever want to care what George told me. So even with a, you know, a medical doctor, Sharon makes fun of me because I question him.

I question everybody. It's like you need to tell me why you're doing this. I'm not going to just trust you because you've got a white coat. You know, you got to tell me why we're doing what we're doing. A lawyer. This is the way to go, OK? Why? You know, I'm giving you a lot of money here to teach me why I'm going to take this legal action. And I think the reason people don't is it's intimidating to to admit, hey, I don't I don't know what's going on.

So I feel safer just saying you just take care of it. OK? OK, right. Digging into all the details, it's intimidating, but you have to to be able to get the answers you need and you want for your life.

Well, you don't have peace. If you don't if you don't make the decision, you'll get paid. Yeah. If someone else make your decisions, you don't get peace and you don't get the results on the extremes. How these athletes lose all their money as actors lose all their money, they give it to a guy and then they go, we're one hundred million dollars.

You have no money because the guy screwed off with the money, you know, freakin Bernie Madoff or something.

Right.

And so you don't turn your money. You earned over to someone else.

You use them to teach you and you make the decision they might implement it with you because they brought a good idea.

And that's your financial position. Right. But you don't put money in something you don't understand unless you're going to do great with this.

You've done so good.

I'm so proud of you millionaires. Why? To go every day. Millionaires right there talking to him and teaching for you seven of the years. That's awesome, man. Very, very cool. Aaron is with us. Aaron is in Cincinnati. Hi, Aaron.

How are you today? I'm doing pretty good. Thank you for taking my call. I recently just finished a book every day, I think it was. Yeah. So my question is a big step for my company matches six percent of my four one kay. We do have in place locker room. Should I put my money there as a team. A big fan of individual stocks.

No, we teach rock, paper scissors.

We call it the I want you to take point one five times your household income and that number is our goal.

OK, 15 percent of your household income, so how much is that? Think fortifies you make you make 4500 dollars a year. OK, so that's going to be like 7000 dollars. OK, just making that's pretty close, but OK, so we got to get to seven grand. The first thing you do is match your company, have a match.

Yeah, they match up to six percent. OK, so six percent and we take six percent of time here. And how much of that is how much of the seven thousand dollars we need to get to. Is that not enough. You're not there yet. OK, so we're going to the company up to the match now.

Is your company 401K or Roth? Yes, perfect. OK, because match beats Roth Bech traditional. That's the rock, paper, scissors. Sheptock can't go but one way. OK, match beach Roth Beach traditional. So you do the match first, then you do the Roth. And if you still hadn't gotten the 7000 then you would do traditional. In your case you're going to do Roth all the way out with individual, even if you had to, but probably just all in your company.

401K is going to get you there. This is the Dave Ramsey Show. Ramsey personality Rachel Cruise is my co-host today. Our Question of the Day comes from Blind's Dotcom. Find out for yourself why Blind's Dotcom is the number one online retailer of custom window coverings. You get free samples, free shipping in new promos all the time. Use the promo code Ramsey to get the best deal.

Today's question comes from Dorien in Montana. She visited Dave Ramsey Dotcom. And to ask I was wondering once baby step two is completed, is the plan to save only for an emergency funds? I want to also have some savings in the assassination of a non-emergency, non-emergency item such as vet bills, car repairs, vacation, home improvement. Does all this come after the emergency fund is complete on a sort of save as you go basis? Yes. So your emergency fund is going to be definitely your next goal.

And then everything else after that is what we call sinking funds. So you'll have different funds that you say, OK, I'm going to put a little bit of money each month into these funds. And so when something does come up, you have a vet bill, car repair, you just take it out of that sinking fund, sinking funds or something. We've we've talked about for a while. I feel like we haven't done a ton of, like, deep dives or I haven't teaching into these.

But they're really crucial and they're very helpful to stay ahead because when things do come up, because they will, you actually have the cash there. You've been saving for it. And instead of even taking it out of an emergency fund, you have some extra cash on the side for these. Yeah, these times it's basically saying Christmas this year will be in December. And so you should plan for that. Yep. Save money set aside for Christmas.

Now, I personally would say you're going to budget. I mean, you're going to have money in your budget. And if you have a reasonably small vet bill, you're just going to put that in this much budget.

If you have a reasonably small car repair, you're going to put that in this much budget.

If you have a three thousand dollar vet bill or a three thousand dollar car repair that comes out of the emergency fund, that's an emergency. If your transmission goes out, that's an emergency. That's not a you don't need a separate sinking fund to get ready for some day your transmission going.

So unless you're in some kind of extreme situation with pets, you should cash flow, 98 percent of vet bills out of your monthly budget as they come up.

Now, I'll say, Winston, I we have a line item in our budget for gas and repairs and whatever money is not, we don't spend on gas or repairs kind of floats over to the next month. So we just kind of keep it going.

What a bad idea on car repair that does build up that way becomes a savings account for that's kind of our car repairs probably right now. But you how you pay for tires that are a thousand bucks. Exactly. But I will say with this, you're not having a you're not having separate savings accounts for each of these little things. No, no, no, no, no. So you have to be pretty diligent to say, OK, no, we've had this amount of money in our account that we see that percentage goes to this, this, this.

You have to be on top of it because it's easily you can you know, you just start to pile up some money and then suddenly it starts to just disappear because you're not spending it. So you do have to be diligent with those thinking funds now.

But, you know, let's say you got three kids, OK? You don't have to have a line item for the pediatrician, right. You can just cover that when it comes up.

Yes. And you don't need a sinking fund for that. Right? Either one.

If it came up and it was a big problem medically with a child, it would be an emergency, the emergency fund fair, so that, you know, your fur babies would be the same thing. Right. You know, so we've both got dogs and we don't have sinking funds for the dogs.

Some really bad jokes there, but we don't have sinking funds for the dogs. The dogs are in trouble is what happened.

But oh, open phones at eight eight two five five two two five. Michael is with us. Michael's in Dayton, Ohio.

Hi, Michael. How are you? Hey, Dave, good, how are you? Better than I deserve. What's up? Yeah, so in June, my wife and I switched to a different Internet provider, and after we did that, we were expecting it. They sent us a bill for the unreturned equipment. So we sent it back and we received confirmation that the provider received it. And then in August, we received another bill for fifty nine dollars for a supposedly third piece of equipment that we never received when we first began to contract with them.

And they've continued to call us asking for payment for this equipment. And then after three attempts of trying to resolve this, trying to explain that we never received anything, if we had it, we would give it back to you. You've already received two pieces of equipment. And so now they're saying they're sending it to collections. And so while I want to stand my ground and not pay for something that we never received, should I attempt to fight this or should I just pay the fee of fifty nine dollars?

It's up to you. I mean, but here's the thing, you're going to have to get above the idiots you've been talking to. Right, and they are idiots because if you talk to someone and you explain something like that and they can't help you get resolution on it, instead they just open a collections file. I mean, this is somebody whose parents are cousins. You're going to have to get above them.

All right. And so, you know, I'm going to have fifty nine dollars worth. But you and just for the fun of it, somewhere in this organization, right.

At some point you may pay it. At some point you may get mad enough, you hire an attorney and sue them. But but that's the problem. You know, the number one consumer complaint with cable companies is the incompetent employees. And there's like Comcast stories. There's Verizon stories that are all I mean, they're like a YouTube phenomenon. Right. So, you know, I'm talking about.

Oh, yeah. Well, they and they and they cycle through. I mean, these people don't stay at these jobs. Well, especially the debt collectors. That's a whole other industry. But it's almost the same thing. They're just in these cubicles and they just and they quit 90 days later. I mean, like the the amount of rotation that they go through, chances of talking to the same person.

Yeah.

So that's you got to keep going and going and going and it's a pain. So honestly, I love the conviction, Dan, but you may get a few months down the road and just pay the fifty nine dollars because you're tired of it, which sounds like you're surrendering and I hate that. But just this part of me is like, no, don't pay it. But it's a point of your quality of life that you're like, you know what, it's just, oh, it's not worth it.

But I have to pick out a few of those to do every year to get it out of my system. And the rest of them, I let them go because I have a real pile of them.

I'm a hillbilly and I will fight you just because it's fun. And so I have to work I have to check myself on that because I end up with this big pile of fights that I picked. Well, I didn't pick them. I'm going to finish them. They started at you didn't start this. So but it's just, you know, at some point you get too much of this crap in your life by these incompetent people. So which cable company is this?

This is our local it's called spectrum. OK, all right, and that's the so yeah, you're in Dayton, Ohio.

OK, so everybody, everybody, everybody in Dayton now knows that because we just told them this cost them a lot more than fifty nine dollars just now.

Yeah.

So there's some spectrum higher some competent freking people solve this guy's problem. And I'll tell you what, Mike, I will put you on hold and Kelly's going to make sure we have your contact information. If anybody in spectrum has a backbone or a desire to actually do real customer service, contact us. We'll put you in touch with Mike and we'll give you credit for cleaning up this mess if you want to do it. So what are the odds they do it?

Now, they won't do it because your old man Kelly's in the booth going to zero.

OK, but the chance to ask him on the air, we'll give him a chance to fix it.

I'll go back and say, you guys are wonderful people. You fix Michael's problem. I will recant if you fix it.

If you don't fix Michael, that could have been the justice you needed. Just that call just to put the truth out there.

Now, people know I used to do that more on this show. I used to tear stuff up like that, but then I figured that out.

Then I figured out I was getting used to people calling in.

I was they were using me like a weapon. And so I had to quit doing it. But occasionally I can still about once every decade and I still sneak in and do one to spectrum in Dayton, Ohio. There you go.

Huh? I feel better already. It's just cleansing open phones.

A triple eight eight two five five two two five. It is sad that they tell us that now 76 percent of credit bureaus have errors on them and 34 percent of the credit bureau reports have errors on them that are so egregious that it would keep you from getting a loan or keep you from getting an apartment or whatever.

In other words, they it's a complete it's wrong.

It's not accurate. Right. It's one thing if you don't pay your freakin bill, but it's just like this piece of equipment doesn't even exist. Ends up on this guy's credit bureau report.

It's a complete lie. Yeah. And it wasn't hit by done with malice.

It was done by stupid people didn't care enough to fix their problem when it screws up everyone's life involved of it. Right. Like, oh, it's half the credit bureaus. Yeah.

The courts are are screwed, you know, by stuff like that. And I just it's on the wrong account with the person entering the digits. Didn't have enough digits to enter digits and they just. Oh God.

Oh you know, crooks make me mad, incompetent.

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