You CAN Prosper Regardless of Who Is in the White House

Obviously, we know that there was an attempt on President Trump's life on Thursday night, and lost a hero firefighter protecting his daughter and wife in the process, shielding them from gunfire at that assassination attempt. Everyone knows the details. We certainly are not Fox or CNN or anybody else. We're not going into the details. It's not what we do here.

We are praying for this nation. We're people of the book, and the book tells us to pray for our leaders, even if we don't agree with them. Trump is one of our leaders. He was a president, and Joe Biden is one of our leaders. He is the current sitting president.

Not many things that President Biden does that I agree with, but it is my job to pray for him anyway, and certainly to not bring him harm. I can disagree with him and still honor the office, and still honor the person, and certainly not engage in any kind of stupidity, like some of the rhetoric that has gone on in the last 48 hours, and really has gone on for the last several years. Some of you people are really too serious about what happens in the White House. If you'd concentrate half as much on what happens in your house, you'd be in a whole lot better shape, because that's really the common denominator of success. It hasn't got anything to do with those guys up there.

Yes, they do some things that affect our lives, but I've had several of them try to ruin my life, and they hadn't pulled it off. I've had several of them try to make my life better, and they hadn't pulled that off. So, I'm old, and I've seen presidents that were going to be the end of democracy, and they weren't. And I've seen presidents that were going to be the second coming of Jesus, and they were not even close. So, I mean, seriously, people, I think the problem is that the level of anger has to do with the expectations of what the office can provide.

And so, treat these people like people. They have families. They have children. They have friends. I've got friends that are congressmen, friends that are senators, and the stuff that they have to put up with, the stuff that is mailed to this office, at me, and to Ramsey Solutions, because some of you are just out of control, and you should not spend your money on Financial Peace University.

You should spend it on counseling, because you need it. You know, it's that kind of stuff. It's going on out there, Rachel.

There are, you know, you can go to the polls, right? You can go and vote in November, and that's a choice and a level of control you have. And then it's, you know, up to fate at that point of what occurs. But I think you're right.

It's stupid. And, you know, if you're a payday lender, you shouldn't be doing that.

Your idea loses ground. So, you have to attack the person. And when you can't back up your philosophy, when you can't back up your belief and have an argument about that, a healthy, a good... Have a strenuous argument. I mean, we yell and scream.

We don't scream, but we argue in high voices around here sometimes because we're trying to figure out which play to call to win the Super Bowl. We're trying to figure out which product to put out there to help you folks next. And we struggle with that, and passionately. But if your idea is so weak that you have to attack the person because your idea won't hold its own water, that's when you've already lost. And so, then you've only got a bunch of people that drop to the lowest common denominator are the only people that'll follow a person whose idea has lost, but they're passionate about it.

You know, it's just, you've got to be able to argue on the points of merit. And that's basic debate, that's basic common sense, it's basic wisdom. And it's just, it's sad. It's a sad comment about what's going on in our country and how someone cannot look at the ideas represented, the principles represented by different campaigns, and, for that matter, the quality of the person that's going to implement those ideas. Can you stand with that or not?

And that's, you know, and if you think that, then go there. I mean, we've had arguments about that ever since there's been a president, is the quality of the person good enough? And there's always been someone that said, I mean, the stuff that was written about Abraham Lincoln, unbelievable. The stuff that was written about JFK, unbelievable. And, by the way, you ought to look at JFK's policies and ideas.

You want to see some conservative economic thought bordering on libertarian, go read what JFK believed about economics when he was putting in place. It's very interesting for a Democrat. So, you know, these things, the pendulum swings, people argue and push through different things, and different people have different quality of reasons and reasoning, but this is out of hand. So our vote is for prayer for this nation. That's our vote.

Our vote is for prayer for you and your house, that you get your act together, and in spite of who's in the White House, not because of who's in the White House, you prosper. Because if you're waiting on one of them to prosper your life, you have a long wait. Your life's going to suck. Because government is not designed to make your life awesome.

Sorry, it's not. Your cell phone has more power than your president to make your life awesome. I mean, you can push buttons and stuff actually happens with it. I mean, when you push buttons in the voting booth, very seldom does anything actually happen. Think about it.

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Rachel Cruz, Ramsey, personality, number one bestselling author, is my co-host. She and James said that I said the attempted assassination was on Thursday. If I did, I was, I don't know why I would say that, because obviously it was Saturday.

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So Gabriel is in Pontiac, Michigan. Hey, Gabriel, what's up?

So right now I tried to have it rented out because I'm currently not living there. I lost my job a couple of months back and I had to move up here to Michigan.

2K for the house and my other expenses, I needed a job that was able to pay somewhat what I could afford to pay. And it's a very blue collar dense area. I needed something that was more related to what I was going for career-wise.

And, you know, based on.

What would you do? Pay a bunch of pre-pay, a bunch of points or something?

1K interest rate and people in my area are renting out under much lower interest at $1,800, I can't really break even. I'm trying to sell. I'm currently belly up with this loan. If I do sell it, anything like what I bought it for on paper, it shows $250K. That's not including what I actually put down for the home or anything else.

I'd actually be cutting like a $15,000 loss on the home. So I just don't know.

So if you sell the house for $255K, you owe $275K on it?

Stupid.

I've done stupid too. So I can say what stupid looks like. I know what it looks like. I've done dumber things than this, but you signed up, you put your name down for a payment that was asinine, making 55 grand. Would you agree with that statement?

Five months later, you're going to lose money.

And that's just the story. That's the story. It's not some big mortgage debacle. It's you signed up for a thing you couldn't afford and you are selling it very, very quickly and it has not had time to appreciate it all. So you're going to lose money.

Write the check. And when I, when I do something stupid, Gabriel, and I have done a lot of stupid, I've done a lot. This thing right here is not dumb compared to some of the stuff I've done. I got you beat, man. I got a PhD in DUMB.

All right. So I'm not picking on you, but I want you to own this. That's important. If you own your part in this because you're acting like, you're some kind of a victim, you're not a victim. You signed up for this.

Now, when you write the check to lose money on this transaction that you, as an adult man, signed up for, put on the four column of the check, stupid tax. That's what I do. When I do something stupid and I have to give money away because of it, I put stupid tax on there and I try not to pay the same stupid tax ever twice. And that'll get you set up to go. win, my friend.

But there's not, there's not any, there's not a city. I mean, there's been a few times. you could buy something for retail and a few months later, sell it for retail.

put the difference on a credit card. Go, put the difference on a personal loan. You've already got the debt. I'm just moving the debt. I just told you to move some of your debt over to something else.

I already have 10 grand in debt rather than 255.

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Hi, Justin. How are you?

Correct. Okay. All right. As long as you know that, then we're a step ahead. You've done a really good job on this.

Way to go. And which company is it in?

No wonder. I mean, that stock's done extremely well. Well, that's cool, man. And you're very smart to not leave it all in one place, even if it is Apple. And I'm a fan.

I don't own any Apple, but I'm a fan of the company, of the business and everything. They've done a wonderful job. I mean, I own some mutual funds that own Apple, lots of them. So, you're going to diversify it so that you don't... If Apple puts out a bad screen or something that stock tanks, you don't get caught, right?

Correct. Very smart. Very smart. Okay. So, your plan is to sell it and do something else with the money after you pay your taxes, correct?

if you want to help them with a house or something later in addition to college. That's very cool. And then passive income, what do you mean by passive income?

Perfect. So, I mean, you can do some of that and if you want to buy a piece of real estate. Now, there are types of real estate that are more active, require more hassle and drama than other types.

So, there are very low maintenance versions of real estate. For instance, you could buy a little warehouse on what's called a triple net lease. Triple net means they pay the lights and water, the tenant. They pay the insurance and they pay the taxes and they pay you rent.

and that's lower income residential. Okay. You make a lot of money on it for the money you put in, but it's a major pain in the butt.

Yeah. So, and it's sometimes even dangerous. And I've owned both. Both of the two things we're talking about. I don't own either one of those two right now.

I would buy one of those warehouses if I found one. But anyway, that's the kind of stuff you're looking for. And then just take your time. You've got time on your side.

And you know, the good news is you can liquidate this stock in 72 hours, pretty easy. So, until you decide what you're going to do with it, I'd let it sit there.

That's the only two things I do.

Is this fun? What did we learn? But like, start small is what I would say. But quickly, that returned. I mean, it has shocked me.

But there's a sharp learning curve with it. But if you can get it and have the right people on your team...

It's not going to be long at all. Very, very well done. Very well handled. Congratulations. Wouldn't it be cool to have an uncle or whoever?

He didn't say who it was. Family member. Just hand you $3 million.

I mean, there is a feeling of like.

So yeah. So I hear you, Gabriel.

It wasn't the tic-tac people.

And real estate will typically, folks, yield you more money than mutual funds will if you purchase it properly, if it's income producing real estate, but it has a lot more hassle to it. Do not be confused that renters pay your payments. No, they don't. You pay cash for your real estate. Because sometimes renters are renters because they don't pay.

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Well, if you will click, subscribe on the YouTube channel or follow, or click or subscribe or follow on Spotify or Apple or Google Play or wherever it is, you're listening and follow the show, it helps big time because those numbers push our show out to people who don't know it's here. And that helps our listenership, our viewership, big time. We know you're doing it because our numbers are way up. Thank you. And you can click share, send a share, copy the link, send it to somebody.

Whatever the format is, there's a way to tell somebody about it. If it's talk radio, we've got 608 talk radio stations that carry this show every day all across America. And thank you for that stations. And if you're listening to one of those stations, tell people where you're listening. Ann is with us in Lansing, Michigan.

Hi, Ann. Welcome to the Ramsey Show.

Why would.

. I know you're not a fan of...

And that's about what she owes on property taxes.

. And how old is she?

That's not going to last forever. And we'd like to have a plan in place before we are having to make decisions from an emotional place.

She has trouble walking. She doesn't use a cane anymore. She's rehabbed from that. But she's not the most spry of people. And she's working at a women's homeless shelter where the folks there are under a lot of stress and don't have the best conflict resolution skills.

And she is not the most tactful lady. So there's a concern that she's going to push somebody too far Sunday and they're going to respond physically.

and your home is how large?

She would have to sell her house, use a portion of the proceeds to do that, and then stay there being on our property, but still having a locked door in her own kitchen.

Yes. A second living unit on that piece of property in that neighborhood?

Yeah, but you need to spend $500 with an attorney and have this drawn up airtight.

Okay. That you're promising to let her live there in that property, rent-free with you. What are you furnishing? Utilities? What are you furnishing?

Food? What are you furnishing? Every detail, what you're furnishing, what you're not furnishing. I'm not buying the food. I'm not buying the electricity.

Whatever it is. you're not, or I don't care which one you buy, but you just write it down. Everything that is included and is not included, and that upon her death, that there is nothing owed by you to the estate.

You know, that's what people do. They get emotional about this stuff and justify it, but the way you've got this described separate lot, separate piece of separate building. It's already got water. You've thought that through. That's very well done.

It's marketable. Codes is allowing it. You're not destroying the value of your current home. You're not destroying the marketability of it. You don't have another relative out there that's probably gonna swoop in and give you a hard time, and if they do, you could have this airtight enough, given the estrangement that you'd be just fine, but make sure you've got a solid will and a solid living agreement, arrangement, whatever the attorney in Michigan wants to call that, but yeah, I would do this.

She's up for the whole idea, right?

It's that sandwich generation. So if you-.

You know, what to do, what not to do. And I was just addressing the same kind of stuff this morning, it's weird. Yeah. Yeah, very cool. But yeah, the early onset dementia and memory loss, that kind of thing is a thing.

She's living on social security, working part-time, not in great health. I do applaud Ann for doing that.

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Live from the headquarters of Ramsey Solutions, it's The Ramsey Show, where we help people build wealth, do work that they love and create actual, amazing relationships. Rachel Cruz, Ramsey personality, number one, best-selling author, host of The Rachel Cruz Show, co-host of Smart Money, Happy Hour, both on Ramsey Networks, and my daughter is my co-host today. Skyler's in Charlotte, North Carolina. Hi Skyler, how are you?

It's about $7,000 from our move here to Charlotte about a little over a year and a half ago. But two weeks after moving, I lost my job. So it's kind of been a struggle ever since then trying to catch up on our bills, try to even tackle any kind of debt we both have. And then we're really trying to figure out what we need to do about the $7,000 bill, because they want to take her to court now. So I'm just trying to find out how to address that and then figure out what steps we kind of need to take to be able to even try to think about tackling debt when we're just struggling with the ends meet.

It's kind of high stress and terrifying, isn't it, dude?

We can definitely walk with you. We'll have some ideas over the next few minutes.

But you guys are probably going to have to get a lot more radical than you've been getting. I hope you're ready for that, because we're about to set you on fire.

Delivering pizza, delivering door dash, cutting grass, cleaning out septic tanks, walking dogs, cleaning up poop. I don't care what you're doing. You need to get in gear.

And you know why there's not enough money coming in the house? All these grown adults aren't working.

Right. That's why. Work is where money comes from. Everybody needs a job. Ready, set, go.

We broke. Mama done, got sued by Discover. We about to get in gear people. I am sick and tired of living like this. 21 year old, get your butt out of bed.

And don't talk to me about going to happy hour at three o'clock on Friday. Be happy. You working.

. All right. Get after everybody line up and get after it, because that's what's going on. You're working your tail end off at less than you used to make, but you can't find time. Even then to do doordash.

Yeah. You can find time. Throw a brick through your television. Your wife just got threatened to get sued. This is where you're, this.

This is when you get this kind of thing going, that's going to help.

They all got to work. That's what's going on. I'm sorry, man. I would love it if everybody could lounge around, but we don't have this as an option. And your mother-in-law, whatever she's got coming in, social security or whatever else that goes in the pool.

If she live in there, it goes right there, on the kitchen table, with everybody else. Those are money in the middle of the table. We're going to pay our bills because I'm feeding you and housing you. So we're going to use your money to pay our bills. That's how this works.

Everybody, everybody bones up here. Now, once you're doing that, anything we could do to get your income up, then let's stop and get organized. So Discover hadn't been paid in a year, right? Who else hadn't been paid?

. Good.

Uh, yes. Plus your wife's student loans is how much?

I'm going to work you hard, man. Cause it's what I did. It's how I got out. It's where money comes from. Go, get you some and then get these bills caught up.

I'll show you how I'll pay for it. Hold on. I'm going to give it to you free.

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For those of you affiliates carrying us live, Trump has just announced JD Vance to be his running mate for anybody that cares. And there you go. And so I love JD, by the way, I may not have, I may or may not have predicted that. You might have actually predicted that about a few hours ago, you, you and Ken were having a lengthy discussion while the rest of us were watched. And, um, the, uh, and, uh, the book helped.

Hillbilly Elegy was what brought him to the forefront. Uh, one of the things that did, and, uh, he's the author of it. It's a great book, by the way, uh, regardless of whether you agree with Trump or politics or anything else, you'll enjoy the book. It's a great read. It caused me to go down a rabbit hole and read a whole bunch of stuff on Scotch-Irish.

It's very good stuff. Very good information. So, uh, challenge you to read that if you want to know a little bit more about JD. Um, cause it's pretty much a.

That'll make you hate the girl. What?

And you're 17 and 18.

So this is not, this isn't right. This isn't, this isn't right. You're a kid. You're, you should not be taking care of another teenager, regardless of relationship. So that's not, that's yeah.

We want you to win long-term. Okay. The situation that has set itself up at a very, very young age has very bad statistical probabilities. And what I mean by that is the chance of you two ending up married and successful 40 years from now is close to zero. Okay.

And there's all kinds of data to back that up. It's not just some kind of old guy trying to pop your little love balloon here. Okay. But the deal is, it's sweet that you all gave this girl a place to live because she's got a toxic home environment. Now you need to keep her life separate from yours.

You are not a legal adult and you do not need to be buying a girlfriend, a car. By the way, I would tell you that if you're 27,, except for the legal adult part, I would tell you not to buy your girlfriend a car, because it's a good way for her to end up hating you. Are you hating her while you pay payments on the car? It really does happen every day. We talk to people all the time on this.

So if she wants to get a car, I would suggest she work 24 seven and your mom and dad coach her and feed her and give her a place to live, so that she can put all of her money in a pile and get a car, a little three or $4,000 car that she pays cash for while working her tail end off this summer. Then you drive your car and go to school and graduate from high school, sir. And she drives her car and goes to high school and graduates, sir. And then let's talk about combining our finances after we're married someday. If that ever occurs, that gives you the best statistical probability of winning.

Okay, so there's an in-depth body of research done about 10 years ago that says, if you follow the proper life order, that your probability of not ending up at the poverty level is almost zero, 97% chance. you will not be at the poverty level if you graduate from high school before you get married. And if you get married before you have a baby, so don't be making babies and don't be getting married until you graduate from high school and do it in the right order. If you do those three things, you have a 97% chance of not being at the poverty level in America today. Isn't that bizarre?

Something that simple. And that's what this conversation is scaring Rachel and me for y'all.

Because you're going to get this out of order, dude, if you're not real careful.

I want to relieve you of that. That's not an act of love on your part. It's an act of desperation and displaced, misplaced honor. Please let mom and dad, let her handle this. If your mom and dad want to give her $1,000, just give it to her and help her get a car.

That's okay. I don't mind doing that. I don't mind helping the young lady, but let's keep this stuff in the right order. And because the way you presented all this stuff to us was like you were two people in your 20s or something, and we had to dig into the conversation underneath your bad language. that said, you were acting like you're something you're not.

So quit that. This is the Ramsey Show.

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Rachel Cruz, Ramsey Personality, is my co-host today. Today's question of the day comes from Erin in Washington.

4 million. We have no debt, but I'm having trouble justifying the cost of our wedding. With current quotes, we estimate the total cost to be around $50,000 to $65,000, and that is after cutting out a lot of things that you traditionally plan around a wedding, like a bachelor or bachelorette trip. I was raised in a frugal household, and I only recently started to embrace treating myself out from time to time. On one hand, I genuinely want to celebrate with our friends and family, but on the other, my head and heart hurt the fact that it'll cost us over $50,000, almost $500,000 in opportunity cost based on a 7% compounding annual return for the next 30 years.

Somebody give Erin a glass of champagne. How can we analyze our options and make the right call without looking back with regrets?

You are a fellow nerd. I salute you.

You have the money.

. I saw some $35,000..

And the average household income is around $70,000.

. So people are spending a little less than half their annual income on a wedding these days. As an example, that's average. And you can be above average. It could be below average.

And you could decide what you wanted to call, whether you call that whole thing crazy or not. Okay. You can have that discussion. That's all fine. But if you're making $150,000 a year, you're worth $1.4 million and you spend $50,000 on a wedding, it is not out of line.

It's not like.

. I'm a nerd and I'm frugal, but it's not like blowing my mind. Okay. So the way we look at expenditures is, are they unreasonable? It's not the amount.

It's the amount in ratio to your income, in ratio to your net worth. Can you put that amount of money in the middle of the kitchen floor and burn it and still be okay? Because that's what you're getting ready to do.

Well, it is.

So, yeah, that's, and paid a lot of money for that videographer. But here's the thing. So he had a big old, chunky thing on his shoulder.

And given your net worth and your age, I'm going to extrapolate an income out of that and say that in both cases, you're okay. If you called and said 150,000 or wrote in is what my mother-in-law to be wants to spend. And I don't, and we make 150, I would say, no, I agree with you. That's too much, because it's a ratio. It's a ratio to what.

can you, that's the way I ask myself about some of the things I've spent money on that are, that is, consumption.

I'm not going to do much.

was we set a number and then we said, okay, based on that number, what are you going to spend on the dress? What are you going to spend on the reception and break down exactly what you're going to have, what percentage of that number? So, out of your 60,000, what's going to be the dress out of your 60,000, what's going to be the reception? What's going to be the photographer? What's going to be the venue?

What are you going to pay the preacher?

And the florist says, oh, for 5,000 more. No, this is what we said we were going to do, because every one of them are used to jacking everybody up. It's a jack up industry. And so you've got to have a plan and you got to stick to the plan, and you got to be in agreement and unified. Yeah.

And it's the first large project you're going to manage together as a couple.