Dave Ramsey & George Kamel answer your questions and discuss:
- "My Husband bought a $72k car we can't afford",
- Negotiating medical bills in collections,
- "Should we pay our student loans?"
- Getting a construction loan.
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This is an unofficial transcript meant for reference. Accuracy is not guaranteed.
I
on the headquarters of ramsay solution broadcasting from the pods moving in georgia studios. That's the ramsay. Shall we not build wealth, do work that they love you create. Actual amazing were like your camel ramsay personality Michael host today is Michael vote. Today the phone numbers aaa eight to five five, two to five:
Of announced today that george cam allow has his own you tube channel check him out.
George camel were the K, george seek K, a m e mail not see, and I invite you to buy an eye. The snark will be delivered the YA.
king down of bad financial products and mythology will be delayed.
And our georgia's excellent at that and were cited that this is a new offering from the ramsay net.
Works thereon youtube georgian. Also the co host of the smart money happy hour, which, with rachel crews, which is why
They popular congratulations, George. Thank you big day. It's like
we deliver the baby, and here it is anita. You don't want anyone to call your baby ugly. This is true, but they will,
they are, it's called youtube comments. We love it.
all this out with actually in Jacksonville Florida, I actually. How are you
I'm gonna rio better than I deserve. What's up
I wanted to talk through an issue my husband he recently purchase like us, but then about a year he purchased a seventy two thousand dollar car
agenda,
We are not in a financial place to have been able to afford that car.
He is currently be only one working and that
as of now, I believe we spell fix these two thousand,
on the car and obviously that's not including enters, though our finances kind of look at the moment,
hang twelve hundred dollars a month for the heart
Including insurance by now,
a man by man,
we pay about fifteen hundred, though there
and like a very big trouble, obviously between trying to keep
What's that a man they bang and trying to just kind of invest in our future, though, obviously a horrible
I, this bizarre by I'm hoping there is the way that we can come and get back from us,
did he do this without telling you
and we we actually just got married last year and I believe it is kind of a terrible story. I might even say it's the funniest story. If not, he had a car that he just completely paid off, so he
car, perfectly good condition a man he decided he wanted to get an suv which he purchased for about thirty, two thousand,
Are they being a man? The bureau sharp emails, I'm staying here we have a great deal,
here you can bring that new car and traded anne and upgrade to the electric car that he's been wanting
so he did not. He briefly mention that financing
When he told me it sounded like it was kinda going to be an equal trade, maybe he'd be paying a little bit more and that's what it sounded like to me. So he went that that took care of it, and then it wasn't
A few months ago I fully and
ban that, like the gravity of what had actually happened at all about occurred before you, your mood
Employed during during the time like this
You do not do this while you're at the altar, so there is no during yeah
for her, you were merry were legally married and then he did
and then of course, my question about like why was possibly going
his mind, he
we didn't really have an explanation under threat of an extremely stupid decision that he'd have cut out on that. Take
and now we found something. We agree on: ok yeah,
Why can't you just go, sell this car today? What I mean you can't take it back
the reason why he is not able to spell it is because the highest amount,
even getting further car, now carnatic forty thousand dollars, and we saw all like sixty five
are you sure you ve talked a few dealerships about that
he's not good at
yeah we're talking private party here. Of course, if you go to a dealership or going to a car on them who who made the who's the maker here, it's an electric key,
seventy two thousand dollars for a key yeah yeah- I now I know not-
he paid seventeen thousand for women
this was an april? Twenty twenty two
in your yarn me one year and dropped and how
Thirty two now draw up a new bonnet he's:
ass, the limelight. I'd give it up all our talk. Ok, because others, I think I'm calling bs
You gotta watch all the car.
he's trying to make us do a lot worse than this, but let's, let's just pretend it's fifty and not forty, which it could be O'Hare. Alright, we still got a ah a twelve thousand dollar hole right.
And what does he make
about ninety, ok and
of any other dead
no major, that's just a couple of smaller on credit cards under under two thousand dollars. Ok, that's you
only dat other than your home. You home now
whereby looking good ok, so he makes ninety he'll sixty four or
the sixty two sixty two on a car.
and when less pretend you can sell it for fifty okay
and ah is a key up, what one contracts and what?
easy fact. Dv said around from as low as forty six, but it quickly goes up fifty plus, so you
definitely sell this thing for fifty plus, so I think your husband called the same dealer that screwed him the first time and asked them what they'd give him for it and they thought oh we're going to get
this guy again, third time or in his rooms gale. So forty is
a wholesale, so
You put the thing on the market under trader, dot com or something like
and sold it yourself,
ah the market value private sale is closer. It is in the fifties like I suspected. Ok, because that, though
as you are, giving us we're just unbelievable- that the car or even a key, would lose
much in one hour, just unbelievable, so
so he's not good at this, or he doesn't want to sell it one of the two or both so we're going to sell it for fifty and we're going to borrow twelve to cover the difference from your local
I or your credit union, and
probably need to borrow about europe
do you have any money
I'm not much saved up now. It's not much like.
four to five thousand dollars: good, ok,
our girl, I would borrow ten and by a five thousand dollar car,
morrow ten and be ten thousand dollars in debt and will call that dat, stupid tax, yeah
which is what I have to pay when I do something stupid guy
You guys have a rule from this point forward and your marriage we do not make.
Financial decisions without both of us
involved and being in agreement.
I made that very, very clear. No, you didn't
She did this after you were married. I now
I made a very eventually from today forward. You are involved with the money in this marriage were a part of no more, I didn't know, and he is too, and he used to
both of you of a vote
with a view to some, but what I
would do is, I would borrow ten thousand dollars. I would buy a five thousand dollar car for cash and I would sell this car and then I would pay off the ten thousand dollars with your ninety income and no payments to have no pay,
but the ten thousand dollars and a couple of credit cards that you need to cut up the back and
we're gonna help you because you gotta get started our referred rough foot here.
Or foot from
kicking each other and we're gonna put gender financial peace university, I'll pay for it. If you were both promised to go when you talked to often you're on hold with him right now
life insurance as one job too
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hundred three five, six, forty to eighty two,
listen up. Every body are smart conference. We get his ear in
village happening this weekend, tickets have been going
asked- and there are just a couple like fifteen or twenty laughed, and you get yours today join me in all the ramsay personalities, rachel crews, doktor john bologna, king common
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nashville, after all day, is going to pull the guitar out. Finally, numeric has been waiting up. I'm gonna talk, radio for a reason I play the radio. You've got talented friends, I have lots of talented french and I know my lane. He knows
there, you go
It started only hundred nineteen dollars. They literally, I think, they're. Seventeen or eighteen tickets left so thanks for coming every body works cited for this also, since it is basically a sell out,
I talk about this, this is important. I were gonna. Do a livestream george, a free livestream for those of you that can't be there in person and we're going to be.
casting all of the money talks from the morning, including dave ramsay ray,
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It's incredible Saturday morning, the first three talks-
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live stream margarets an unfair. I margaret welcome
the rams, asia.
Thanks for having me, how are you today
so. What's up
I'm calling, because I am new to health insurance are then new words had been on my own plan.
I had to have some unexpected expenses come up in the past few months than in october. Have
peace can and then, in december, ended up having to have a surgery to remove what they found from that peace. Can in my question to you today is there
I am a hundred percent healthy. Now very black importunate. My question for you is inside. I just got off the phone with my health care provider.
There was finding out that I owe about
we five hundred dollars from the sea t scare in the surgery combined and that after eighty twenty boy- and I thought baby transport would be applied afterwards, because with my surgery I hit the deductible for the year on the market.
Do you guys? How do you recommend I find a way to pay
for their fight by negotiating, maybe you know I will write, I believe I've heard of.
Or maybe you can offer to pay,
car should negotiate. But I just didn't know what to do.
what I will call you guys. So this was a fifty thousand dollars surgery.
Your fire was fifty one thousand dollars.
Well, I'm glad you're, ok
That's scary thing to go through an sounds like you, ve got reasonably good insurance in place.
Were they deductible plush
An eighty twenty show, the forty
you'd already met the deductible before this happens with other things. Now, sir,
my plan starts on October furs,
All this stuff started happening so bad somewhat.
stand by the time
the plan was contracted, it was different
six thousand dollars, and then they had to apply the thirty eight hundred dollar deductible that I had not met yet illuminates attracted the sick,
then, from the thirty eight hundred they got with plan paid.
then they that twenty percent of that in added
see that adaptable. I had not hate yet
How I got to forty three hundred dollars in the matter:
it's enough money to get to the forty five of the cost of the c t scan that I had before. So your total bills. Right now that you have to pay, is forty five hundred dollars.
yes and then already happened this year and it was-
hundred honoured adaptable, could be secondary, though in total from the past few months I found
he suddenly bar dollars and that these are already paid that are you still have five thousand outstanding,
a two hundred other earlier today were gets right under the five thousand dollar mark or
What am five hundred for the forty three hundred three hundred, what it more concerned about? I'm sorry on you can't what do you MIKE?
make a little over sixty
I wonder how much money and our emergency fine how much?
one thousand dollar emergency find her
and I am I follow you
logically you'd have to buy, can so I'm very blessed. I have enough cash to be able to pay this in full, but I just wanted to find a way. Maybe I could
She owed it a little bit. Learn. I just really don't know how I just call them and say
how old are you I'm lucky? Twenty eight or your single?
I'm married okay.
Twenty eight year old, newlywed I've never been in this situation. Before
does you calling and talking to them and
This is all really scary for me. If I pay, you can
how much of a discount can you give me if I pay it right now,.
Whatever they say whenever they say, asked them to send an email verifying that amount
and then some of the money that day.
And put it behind it. Haven't you ever try bridle wire transfer its that's? Why doesn't it
if you have a united checking counts, not ever sharing a check to the billing department when everyone in whatever you need to do
and then the other thing was someone told me to make sure
Didn't mess up the credit bureau they want is not a thing.
Not if they not if they decide to accept left
cause, they haven't turned it over to your trip to a collection. Yet, if you
let s call em up and say I owe you. You know
a particular vendor. Ok, let's say your two thousand on how you two thousand dollars. What will you accept and they say fifteen hundred you say: ok, thank you! So much I'll send it to you today
but I mean an email verifying that, but that is paid in full in an option to you today and then they can.
the billing that right out to you and then you can pay. It read them
and there will be no collections- are be no, no, not know things
the credit has no reason for them to render credit. They just negotiated the bill.
Shape prizes like, if you go into the dress,
store and addresses on sale for tuna
and you say, would you take less and they say yes, a hundred and fifty they don't turn that on your credit is sustainable.
have you asked for an item bill? Yes, I have
ok, my master, whose behalf
but I want you to verify. It is sometimes I'll throw things in their own. You asked for an itemised bill. They go out there. We should took off
of that anville we charge seventy five dollars for and so
You can get a discount that way just by getting them to own up and
Let's actually shown what we charged, but if these
you got the item on its forty five hundred? I think the cat
offers a way to go in, and I'm not expecting
discount by the way the situation. What would you think
It could be. I have no idea, but I would say if they knock off ten or twenty percent. I think you had a good day.
Sarah would agree any either I just just marsden sure, yes I'll pay so much
husbands, insurance which,
to figure out, if we stay separate or go with a heavy actually
on his way,
why on earth is bad spouse
then ensure pete coercion from their work. They had two hundred dollars a month.
if you're gettin yours for free, no a wooden unless, as far
for superior coverage. I'd have to look at the coverage, but I doubt it
if they're similar coverages, I wouldn't- I wouldn't pay
Leon his plan when you got yourself no benefit there
the
george camel ramsay personality. Is my co host today open
a shower triple eight eight to five five, two to five in a
They have ramsay solutions on the dead free stage. Jason
jody or weathers hi, guys. How aria good
you d better than way deserve. What are you guys live? Jacksonville Florida?
welcome to nashville good to have. You are
and how much debt of hospital total of
three hundred sixty five thousand wow. How long did it take
about seven years in ten months right and your range of income encumber another seven years and a month, so we started out at about eighty little under eighty and where
about a hundred. Seventy five actual
you guys, do for a living. So I am a wireless communications engineer and I
do adoptions from foster care, excellent, well, very cool, ok, three or sixty five thousand was were canada so eighties.
Six thousand was consumer and the rest of it was actually the house you paid on your own, looking at where people, why
ago, you guys what's this mouse worth
right now it's closed about four hundred. Why
go very go and how much you guys have in your retirement accounts.
How about a hundred and sixty between the two other. Why it ago, you're heading towards millionaire halfway there ago. Congratulations, how do you feel it
your house paid off wonderful, it's amazing. It's just
there's so much you can do now. We can do now without a payment moon
so what started you on this journey seven years in ten months ago,
and actually started earlier than that. My sister she seven years older than me, and I I just graduated college and was unemployed looking for a job
and I was baby sitting her twin dwindle.
He's my nephews and she had your book on honour coffee table wasn't using it arms. I read it and I thought well
I mean I don't have any money coming in, so I course made over excuse and put it back down.
And then we had our first sign and both
ass, we're gonna like we need to do something,
to change this, and a couple of my friends at work were also doing or reduce financial peace university at their church, and so that's how I can
and so he went have financial peace. We didn't actually goes through. I just listen near pike, ass, all the way through
I still listen to it. When we are in here it was the baker street was playing, and my son is that why we're here wow? This is why we listen to this everyday he's been hearing that since before he was born, I like it very cool alright
jason. How should get you fired up about it? You know,
just followed along, and I saw things
snowballing, and this is really work, and I think
upon on her. Do yeah engineer mindset you're like art this a process it works on board. Yes, I have to have to see facts now. I don't blame you me too. Well, dont! You guys well done!
that's a long slog, but you got the house in everything done seven years
about the average people panels.
Ocean, but seven years,
you pre decide: you're gonna path, the house at the end of the consumer, that what made you just keep going
we did I mean it was we just didn't like being in debt, and once you saw those numbers go down, it's like we can do the rest of it. No problem
we're not get out on the shore,
not only are normal anymore. I love it
when someone says how'd you get out of how'd, you pay off your house at this young age. What are you tell him? Well,
you tell em what everybody says that you know you have to be on the same page. You have to support everybody, but
what really set a dumb, really gotta go
When for us was that when I got that new job weak
tend to live off of the
regional salaries it we're making, but that extra money all went to death
and I tell you- I really got that snowball go and really authoress. There have almost any make avoid lifestyle creep, as you like
If you get a raise and just spend it, you don't know where it went, but you guys went now we're going to keep living on less. So we have more margin to pay off this debt. That's it
We also I had on
grim parents lived in central florida for sixty years in the same house without any central air conditioning, woe and
I always remind, and myself and jason, when we were going through things and we're trying to figure out if we should by this or not, it was always,
in deciphering
want verses, need enzo,
If my grandparents, at eighty years old, can stay in a house with no central here and eating in florence,
In florida, though we can, we can
without air conditioning in her car right now, and then
get there now you can do anything you want to do so. What your bert,
Big thing to do now, if you don't think
domino world, any body while we did
disney trip with one of our close friends and her girls on and die
was exciting developments of scenarios, business
out of there certainly sickness and
it being here. We took our plight first, firstly, as a family, a five which was a big
Well yeah it is yeah. So
probably go or south west jump from my jacksonville, the national again it done.
I myself a time or two excellence. They went from disneyland to ramsey solutions which one's better and your cancer treatments canvas yeah this one's free and we're not going to charge you for the ride, I'm just saying
cookies are for asia, quite the opposite and disney inverse relation. Oh my gosh away to call you guys so proud of your congratulations. Who was cheer and you on from the outside, so we had
ins and my mom, his parents, my sister and my really good friend, robin staley and her late husband tim were big fans on and went through this journey with us. You know where to go
very cool you guys can grow
regulations very cool. We ve got a copy of the baby steps millionaires, but for you, the total money,
make overbook and financial peace membership.
for you to either go through it now or give it to somebody now that you're here baby steps millionaires. Definitely your next step in your situation, you're on your way, that's called the live and give bundle, live and give box, and so
give it to you at the brake here unless
the guy's up and introduce some hot, what their names and ages. So we get VIT ever get Vincent. We get victor.
And we got henry three alma
Six and nine awry ready to go right
Go. Oh look at those good gas, lounging blue polos. I didn't have anything to do with that by the way. How well the family tree has been changed, their lives have been changed and they don't even completely understand what you have done for them.
you're in really really good shape? Congratulations well done jake
Jody henry victor and vincent Jacksonville Florida,
three hundred and sixty five. How should everything paid off
seven years and ten months make an eighty to one. Seventy five counter down. Let's hear a debt
screw. Motor goes three two one.
Well well down you guys. That's what it's about
the steadily ploughing through right there. Now
a whole other life, completely change. So george,
means that we have now done fifty three debt free screams this year,
I'll just the beginning of the year, two thousand of just under ten million dollars in debt paid off total. That's pretty incredible
so are all kinds of background
is all kinds of incomes. How cancer
We should choose patients every
what he's doing it and you ve done
for thirty years now, and
Best part is that's encouraging to me. Is that anyone any point can just decide
I'm asterism as a magic trick. The unity
up and go. I don't want to
with three hundred sixty thousand dollars worth the debt more
things to be different, and then you just slowly but surely,
We follow proven process and pay it off. We get
After it has no mandate, I want you to know, I didn't realize you gotta get after you, gotta push it through. You can do this,
What we know is that we are positive, but
We personally witnessed people from every background: every income,
Every situation every ray
creed and color
been able to do this stuff and were willing to help all of you, we want to help all of it.
Because it's why we're here
it is so fun to sit here, and here
stories of winning with hope.
look on mental health, a hollow look on your career, homer, look on your money, man to completely
different situation, then,
People live
This is fun stuff called the rams LISA
don't care. More ramsay personality is Michael hope today, announcing today that ramsay networks has launched a brand new youtube show on the george camel, with a k, george camel youtube channel you're willing to check it out,
it's pretty incredible, exposing the!
some that's designed to keep you broke, you're, gonna, get and all over our to george everything
You can imagine all the traps all of the trends within a break the complex down and a simple make the boring, stuff fun
Please give you guess some hope and tell you the truth about money and help you in good stock check it out. George camel
on you to brand new show drop today.
The co host on the ever popular smart money
happy hour with rachel crews as well. I folks, if your life
what's your hearing here, we appreciate you. We do now
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Don't worry, your listen tom sent a share of the youtube or share off your pod. Gaster just tell me
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for when you do all three of those. Thank you very, very much. Anna isn't chicago hyaena. Welcome to the ramsay show you thank you so much
taking my call sure. What's up so
I have to hire kind of in a unique position.
for a few years, and the only doubt we had was student loans, which we will
can really hard towards paying off and then an
with kobe day and that getting deferred, but we saw
those same on money you just put in the savings
in we won't you home off.
Well, I I know that's kind of a touchy topic with you. My our mentality is he's been watching everything of the government and you know he's waiting to see if the ten grants forgiving and how much do you owe our kids,
Around eighty k and mine order, the hilton grown got to do with you.
The grand,
could be ten grand life that we give to them.
So pay em off our
How much have you got in the bank
What we did have about ninety carry an though I'm gonna be you and he had we
the amount that he had to end? He took him
So here's the thing anna it if you owe
Eighty thousand dollars that you signed up for an you.
Have ninety thousand dollars to pay it? You should pay,
You have the money I don't wanna have
pay it for you. I'm a taxpayer then has to pay this.
because you're trying to play some freakin game with a government. You should just pay your bail, that's what you should do.
Stephen, is whether stephen is in washington DC stephen. How are you.
it is a good her you better
I deserve. What's up.
So what'd you employed on a decision that my
if we are trying to make right now looking to decide
between whether or not we should pay cash.
To build a small mother and her sweet
Take out a
construction loan to build
primary residence, I'm on a five acre girl reaches purchased
confused where's. The mother in law, sweet.
on how should learn leones weed
we're currently renting right now,.
if you're, looking what color would you add the mother in law suite? Where would you add the mother in law suite to rental
The mother in law sweet first build the main house condition down the road.
more money saved up.
Oh sorry,
before the mother in law?
really, for you sure, basely building, a tiny house for now until
you can afford the primary. Yes,
how much money after we're looking will have
two hundred dollars saved up in
indeed of the year, which has been working to start construction deed.
other amendments we were thinking about. We can build within that budget and pay cash for
primary health would be
option b.
It couldn't be around seven hundred thousand dollars to build or do we do it
charge alone to fund
What are you gonna make a year, what your household income.
we're around two fifteen year. While there's two answers to the equation are to answer to the question
and around here we don't yell at people for taking out a mortgage. That is more than a fourth of your take as long as the payments, no more than a fourth of your take home pay on a fifteen year fixed rate,
this construction alone. Converted to a permanent mortgage after completion of construction would not violate that
you'd, be within the things that we should just here. Ok, the second.
However, the question is how to borrow money. I pay cash for things or I don't do them period.
And so that's always an option as well, which is the same,
Jesus I show
either way you go, you would be within the guidelines.
of what we should gesture
you're gonna be easily within those guidelines.
How long have you been saving money?
about
five or six years.
Not been making this car my that long them now
You been making two hundred and fifty.
And
combined? We recently got married so within the past,
six no two senate. Now we have been steadily increasing. What I would do is I would lay out the game plan that says: if I build the whole house, how fast can I pay it off? Okay? So let's
and that you put to our thousand down and you got to
aid for lot already right, yes and you're making
fifty and you borrow seven fifty and we put,
We agree, we're gonna, put a hundred
fifty a year on it and so were made on unlike five years or something like that,
if you said that to each other,
and you wanted to go ahead and build the house. They were gonna pay off the whole thing in five years, never paid for ousted by then I'll, probably worth a million dollars. What, with
now, it would be for sure, with have acres,
probably worth that from day. One.
The year, nor close anyway.
Of that makes sense, but
That's the way you can look at it. This say, then, what were arguing about is not really whether we take out
construction loan and a permanent mortgage. What really argue about his five years
We wait to be dead.
Ok we're talking about. Do we have the house for the five years and paid offer aggressively order. We say:
very aggressively
the house a little bit at a time with the mother in law, sweet strategy there on your back,
they pre deciding before you ever jump into this purchase? What's gonna happen, instead of
hoping that you can make the numbers work. That's always a bad plan, so few
walk into this with patients and you realize I don't need the mother in law suite. Let's just do the primary residence, but we wait a year that might be the other option. Yup. The show
you're, all of these, in other words, fall within the smart column,
None of these are in the dumb column,
none of these are your being ridiculous or anything like the idea is to keep on living like you are making the money or make him before you gotta, be pretty cool down. There's just gonna. Keep your
style down, and you can
this thing away: real fast, which set you up to be sitting in a million dollar property with me, another network at a very young age, making too
one thousand hours a year, you're going to be so wealthy it'll be unbelievable, with no house payment that is going to be a pirate.
cool place to be so, regardless of which way you get. There
be where you are within five years or so really cool well done very well done stephen. This is the ramsey show the dave here. You can find all of our shows with the ramsay network, app on your smartphone. It's the only place to listen to the entire back catalog of episodes download the ramsay network app in your favorite app store today, the hey, it's james producer of the ramsey show. This episode is over but check the episode notes for links to products and services you heard about during this episode, thanks for listening
Transcript generated on 2023-04-13.