Why Timeshares Are Complete SCAMS!

ramsay show you can be intentional about your character you can have money and a career you are the hero in your story [Music] live from the headquarters of ramsey solutions broadcasting from the dollar car rental studios it's the ramsey show where debt is dumb cash is king and the paid off home mortgage has taken the place of the bmw as the status symbol of choice i'm dave ramsey your host dr john deloney best-selling author and host of the dr john deloney ever popular podcast and youtube show is my co-host today so we'll talk about your mental health uh your friends or your relatives mental health or your co-worker which is much more fun go work what already he starts with this all right so um it's the problem with having a guy with two phds on it's just intimidating what can i say open phones at triple eight eight two five five two two five you jump in we'll talk about your life and your money triple eight eight two five five two two five we're going to continue our discussion of the largest legal fraud in america today in our third hour it's called time shares they put people in a room and won't let them out for eight hours until they buy and then they screw you and they screw you and they screw you and they've made billionaires out of the men that started these things and uh it's a crazy crazy mixed up world and we're going to continue to expose the timeshare companies if you have been messed over by a timeshare company which means you either have bought one or you haven't [Laughter] you can call and talk to kelly we want to get you on in the third hour or you can email me at daveonair at ramsey solutions.com dave on earth ramsey solutions.com put timeshare scams in the lineup maybe you used to work for one of them and you want to tell the truth about what goes on in the inside we've had a bunch of those over the years we'll continue to get more of those i'm gathering stories from consumers and people who have been screwed over by this crazy out-of-control multi-billion dollar business that quietly continues to defraud uh people and among them the elderly and it's just they're preying on people and it's got to stop so we're just pounding them so third hour that's what we're doing if you want to talk about it we'd love to have you daveonair ramseysolutions.com email us and let us know we'll work you in kevin is in dallas hey kevin welcome to the ramsay show what's up hi dave thanks for taking my call sure um so so i'm uh i i'm currently disabled and i was applying for term life insurance prior to me going on full full or long term disability and i was denied my application so i went with a universal life insurance policy and i'm not really sure what to do about whether i can find something cheaper that would be term rather than sticking with the universal life what is the nature of your disability uh i it's it's called hereditary paraplegia it's uh basically it makes it hard really really hard for me to walk okay life insurance is going to be difficult of any kind uh and universal is no harder to get than term uh or no easier to get than term uh so if you've already got a universal policy for goodness sakes don't let that go unless you found something cheaper and got it in place in your hand before you released it but you can go to xander at xanderinsurance.com get on the phone with them tell them what you're facing and they will see if they can find a company that will write you in the insurance world they call that making a market see if they can make a market for you meaning find someone that will carry the policy in your situation permanent long-term disability is a statistical problem for the life insurance statistics and they generally will they give you a real hard time with it they just give you depending on what it is but most of it is very hard to get so xander is has got a way of doing it like nobody i've ever met they do a great job of really trying to serve you make sure your specific thing so go to xanderinsurance.com so if you if if you find yourself in that situation and you're unable to get life insurance at some point you're gonna have to really reverse engineer out your life and start saying i may have to save more aggressively than somebody else or i may have to choose to not spend i mean you're going to have to go with a plan b right and there are some policies you can get small policies they're super expensive they're guaranteed issue they issue them to anybody no matter what you just have to say i'm alive okay and they'll issue them but that's probably outrageous they're like 20 times more expensive right and you know it's usually a 10 or 20 000 policy too it's not a you can't get a 500 000 guaranteed issue usually usually so again it depends on the nature of what's going on and the insurance world has changed a lot the life insurance world because they're they're doing a much better job of not throwing the baby out with the bath water on every category right they'll drill down into the situation and say okay in this situation i think we can get this written you know for instance if you if you just had the word cancer anywhere around your name you were screwed you couldn't get life insurance period yeah i mean no matter 10 years 20 years you know your cancer's your heart your heart you're out yeah you're done and nowadays you know it it really does depend on the type of cancer it depends on what the treatment was it depends on what stage it was it depends on how long it's been sin that you've been cancer free before you try to get written and you can get you know as a cancer survivor you can get life insurance now depending on you know the frequency what it was and the proximity and all that kind of stuff christina is in kansas city hi christina how are you hi dave thanks for taking my call i have a question about baptized my husband and i have been married for almost 10 years and for the first time we are searching for a new church family and for the last six months we have been setting aside our tithe and a fund but we're not sure what to do with the money we're wondering if we should just write a big check when we find a new church that we want to join that'll be fine there's nothing wrong with that you can find some local churches in your area to spread it among now if you want um here's the thing um what we want to do is we want to be obedient to the scriptures those of us that are people of faith with our generosity the tithe is the baseline for our generosity but you can never stray away from why why does god want us to be generous it's good for you because he wants to make you into a generous person and generous people are just more fun they're happier they're not depressed very often they don't live in their own heads yeah it's not all about you they live with eyes the purpose is not every jot and tittle meaning every little freaking finite detail about the nuances of which scripture or whatever and god is not going to bless that because you gave it to a baptist instead of a church of christ or whatever there's none of that don't get caught up in that uh so it it so the point is you have set this aside you are going to be generous you're going to give it to someone god's smiling he's not wringing his hands about where it lands awesome because it's for you does that make sense yes that's great yeah you're awesome i appreciate i you i appreciate your heart your character and your your your desire to be true to your faith and and i mean that's just very cool that's a that's a person who's tethered into their virtue above and beyond experience right yeah like i'm going to be this kind of person whether i've got a a a category to send this to right away this is who i am this is who we are and changing churches man it's just it's like like changing for somebody this is like going through a divorce i mean it's just because your socials tied in there everything oh my gosh it's hard enough that's tough you're going through a hard thing right there kiddo good for you that's inspiring man that's very neat honey it's for you giving yeah it's for you you give for you this is the ramsey show [Music] stop paying your overpriced wireless provider and switch to puretalk they use the same network as the larger providers for much less for just 30 a month get unlimited talk text and six gigs of data with no contract the average family saves over 70 dollars a month by switching to pure top just go to puretalk.com and enter the promo code ramsey to save 50 off your first month pure talk simply smarter wireless [Music] dr john deloney ramsey personality is my co-host today open phones at triple eight eight two five five two two five if you're tired of feeling stuck with your money like you'll never get out of debt or save enough for the future it does not have to be that way you can make progress with your money faster and faster and faster with financial peace university every dollar it's all part of a ramsay plus membership when you budget when you get intentional with your money and you start learning the baby steps in detail with a group of people with ramsey plus it changes everything you'll you will make progress and you'll make it fast and you can start all this including your new budget on every dollar for free starting today with a free trial of ramsey plus text trial 233 789 that's trial two three three seven eight nine our question today comes from blinds.com they have a 100 satisfaction guarantee means even if you mismeasure you pick the wrong color they'll remake your window blinds free free samples free shipping and with the new promos they run every month you'll save even more use the promo code ramsey all right today's question comes from james in texas james writes my wife and i pay our bills based on our income good james i earn more so we split the rent 70 30 go 50 50 on the electric bill and i pay for cable water and internet when we moved into a new rental she asked if she could hold off my god i'm just going to finish this question she asked if she could hold off paying rent the first two months and i agreed what a saint the third month she was late with her contribution and now she's going to be late again this month i ask her to manage her paycheck and other debts so that she uses the second check of the month to save for rent and electricity to avoid being late and she got mad it was like she's a little late to the mad party i'm already there was i wrong anywhere yeah everywhere yeah you were just wrong before the whole thing started 100 percent james everyone both are going to smack you around are you ready i was helping her manage her pay what a what a saint more responsibly because paying things late is a bad habit to break you know what else is a bad habit being an idiot james what are you doing it's like he's living with a with a co-worker right like they're co-running a business i don't know man listen dude this is your wife you remember the part richer for poorer in sickness and in health so when you're laying in the bed with the flu i hope she doesn't give you as much crap about making you some chicken soup because you're sick as you are about making her be a grown-up and manager many by herself oh my god dude really come on man so um yeah you here's here's the thing son you guys need to put your money together together you work on it together you make decisions and together we manage our money for the good of our family this is not your roommate the old marriage vows say unto thee all my worldly goods i pledge if you wanted a roommate you shouldn't have gotten married and if you want to divide up your life into mine and yours and you owe me this and that and i'll let you borrow this from it man just listen to that language that's not a marriage it's not a marriage that's a business arrangement it's not even a good friendship no it's not even buddies you know what we all had this friend in college that was like hey bro remember wendy's you owe me 428 from like three months ago yeah the mustard that you used in the refrigerator door that was mine so you guys said it's like four dollars dude i guess everyone had that friend you know what i learned about friendship in college i got around some guys you know what the fights were about who was covering the check like this is ours right that's just knucklehead college buddies this isn't a husband and a wife so james you all have a pronoun issue and that is y'all gotta sit in a room and say what is yours and mine is ours that's it right but yours and mine is ours and we've got to do this thing from there you're not sanctioning irresponsibility and she's not going to sanction you being a control freak out of control arrogant jerk yes nobody wants i had enough adjectives in there and i kind of want to hug you man because you know what i read this and after you called him an idiot i know hey that's that's a term of endearment for me i know i i i want to hug him because i think he's actually trying to help and he's asking did i screw this up yeah yes you did you did but the the that question it's just it is astounding that you could be that clueless though really i know i wonder if that's even a real question it's endearing what's endearing there's that dumb yeah when he's like hey did i mess this up and everyone's like yes of course it's relationally you get a sub zero score here no i'm gonna give him one one no because he looked in the mirror and said maybe it's maybe well now she's pissed why did this woman wait this long to get pissed i got to tell you before the first sentence was over i don't know billy woman at the ramsey house would have been over it i'm just saying i know but she's getting a free ride here with with this guy that this this romeo who's paying for the internet and she won the lottery i'm gonna give you a little time off on that rent there just listen i really like you listen lady i'll get the internet in the cable because that's what men in texas do come on james oklahoma city chelsea get us out of this what's up okay i'm a little nervous you're gonna have to bear with me murder mystery party um i'm a stay-at-home mom and i'm trying to start a side hustle planning murder mystery parties but i'm like almost totally blind and i'm not sure how upfront i should be with my clients about that because i don't want to be disingenuous with them since it is a visual medium involved but at the same time it's like it's my medical record is that really their business i'm just i'm not sure what to do because i don't want to mislead people flip shoes you were going to a murder mystery place would you care if the lady that put it on was blind not really unless unless they couldn't do the job can you plan awesome parties yes and to the extent that your site limitation would cause a mistake you can go ahead and disclaim that on the front end and people will give you a lot of grace okay that's a good idea i didn't think about it but but you go look but it's not a thing i got this yeah and if i don't got it you can call me out on it and we'll work it out together but i got it i've done 26 of these or whatever you've done and there's no problems and so on but um chelsea you throw that head back and go yeah have at it but just treat other people like you'd want to be treated it solves almost all your business ethics questions okay and yeah and by the way if i were your customer that's exactly what i would want i don't care if i'm coming in there to have a party and have fun if the person conducting it is whatever fill in the blank i want an awesome party i don't care until their whatever affects my party right but if it affects my party uh and it's an and i need to have a little bit of compassion with that person or a little bit i'd like to have had a heads up about that let's have a conversation about it yeah but so i don't get surprised because i really you know like i'll tell you i'll give you an example okay i went to check into a hotel a while back and uh we use only debit cards and the stupid debit card had gotten an algorithm hit for i'd for id right for id theft and i and then the people come back from the uh desk and they go well you're over your limit well honey my debit card don't have a limit okay this is freaking me it's got i can do i can buy a car on my debit card if i want to right so but um it's late at night i'm tired i'm exhausted and i can't get a stupid hotel and i'm pissed at my bank i dial up my personal banker and i was unhappy with her can you imagine me doing that yeah to which she says hey i'll get this fixed in the morning i'm at the visitation for my dad's funeral can i work on it in the morning to which dave goes oh you're a butt to dave he says to himself gave the butt you know you so in other words if i had had that piece of information i might have been a little nicer to her right you follow me yeah so just give me enough information so that i can be kind if i'm the customer if there's a mistake that uh might be related to the information and chelsea i think what's gonna cause you the most grief is if you walk into business deals self-conscious of something if you think you're bringing um an impairment to something then you're gonna not sell yourself as strongly go in with your head held high you're gonna do a great job a community with you is going to help you fill in your gaps man you're going to go get it the reason we know you're going to be good is you bothered to ask the questions awesome you weren't like arrogant and throwing around i love it entitlement stuff i love it you just said hey how would you how should you do this by the way folks if you're wondering how to act in business always ask the question how would i want to be treated if the roles were reversed do unto others as they would do unto you it solves almost all your business ethics questions [Music] we were drawn to christian healthcare ministries because we both had young families and we wanted to have more children and we had also just started a real estate company and needed to find health care coverage that would meet our needs we were attracted to chm because of its low monthly costs and the ability to negotiate medical costs down established in 1981 and accredited by the better business bureau chm is here to meet the needs of your growing family or small business check us out at chministries.org backslash budget we absolutely believe in it [Music] [Applause] [Music] dr john deloney ramsey personality host of the dr john deloney show you can hear it on youtube instagram you can follow him anywhere great podcasts are carried and it's very popular and growing very rapidly if you'd like to ask him a question about anxiety about relationships about anything you call today a triple eight eight two five five two two five you can email him at ask john ramsey solutions dot com or you can leave a voicemail and the team will get you on the show eight four four six nine three thirty two ninety one also if you are a victim of a time share if you bought a timeshare got ripped off you wanna tell the timeshare sales story the scam story on a timeshare we're gonna be doing that in the third hour i need to hear from you email right now so kelly can get you scheduled for that show dave on air at ramseysolutions.com by the way whenever you hear this if you want to share your timeshare story we're going to be doing several of these over the next several months it's like my new hobby i'm going to say i haven't seen you this joyful dave oh i'm this is such good radio it's also such the right thing to do because it's the largest legal fraud in america and when you get to looking at them people behind the scenes on this and how scummy they are it is bizarre you've never seen that thing i i hadn't seen it until this week have you guys seen the old documentary the queen of versailles did you see that yeah that's a timeshare king yeah building a 90 000 square foot house with his wife who's 30 years his junior wow and and all that that implies a thousand huh 90 000 square foot house the largest house in america yeah so we're going to talk about that kind of stuff it's fun but that that that documentary was just a train wreck of people it was such sad just because they're just it's just like god who lives like this well they do yeah and that's who's selling you this stuff so anyway email us at dave on air i'm sorry dave on air at ramseysolutions.com and in the lobby of ramsey solutions on the debt free stage jimmy and stacy are with us hey guys how are you they're doing great how are you better than i deserve where do you guys live we are from not survivors of chicago okay very cool good to have you guys and you're here to do a debt free scream how much did you pay off so as a married couple um we did 153 114 dollars great um how long did that take uh 18 months five days all right and your range of income during that year and a half so that was 2 15 to 2 about 2 50. wow what do you guys do for a living i'm a pharmacist and i'm in the i.t very good good for you guys what kind of debt was the 153 thousand um as part of my student loan debt that's been following me around before marriage um so i uh you said as a married couple at the front of this so you're telling me that before you were married there's other stuff happened it's the student loan debt it's been haunting me for a long time but had you reduced it substantially prior to marriage uh 96 thousand 47. yeah it took me yeah it took me quite a while to even get that as a single parent but when we got married it was just boom just go through it hot and fast good for you well done so how long have you guys been married 18 months uh no so well a little closer two years now okay all right so but the last year and a half or so uh all through covet boom boom he was hospitalized he had a surgery at the end of the year i had a surgery on my foot so we had a lot of really weird um things that sort of sidetracked us we were expecting to be done a little bit earlier but 18 months are still pretty impressive yeah yeah i was glad we were still able to get through i was sad going into 2021 with the debt but it's still february at the end of february and you still did it in the pandemic year yes yeah we kept no interest on student loans oh i was so excited about that because you can make so much faster progress yeah yeah i mean when it's all said and done i paid eighty-five thousand thirty nine dollars ninety four cents in interest wow from the beginning oh yeah so what sparked this thing um so i heard about dave a few years ago and i kind of did davish you know where it's like yeah i want to do this but then i it was really hard my income wasn't there i was supposed to be guaranteed full-time hours i wasn't getting it i was applying for jobs not really getting a whole lot so i was kind of driving all over the state of florida to be able to make ends meet and pay my little student loan that i was getting which was mostly going to interest i was doing income based repayment which you don't get anywhere pretty much actually lower you're going backwards yeah so um when i moved to illinois um i i decided i was going to do like the full baby steps now i hadn't done financial peace university in fact um he actually ended up doing it before me and he hadn't even heard of you so i introduced him to you and he is the spender the flashy guy i wasn't sure that our relationship was going to go very far when i first started dating him because we were on different pages and i will honestly say i did not tell him he had to listen to you that was the lord there and he came to me one day after he started financial peace university and brought me his cut up credit cards and i was like thank you lord i think this is my only one yeah this is it that and that was not me badgering him or anything so smooth romantic move [Laughter] that's very cool so jimmy when you were hospitalized was it coveted or something else that is crazy oh really with covet yeah yeah and you're a young guy not quite i'm 40 years old yeah well i'm 16. that's not old so all right you're a young guy i'm a young guy all right very cool good for you and so you got out of it okay though yeah it was a pretty rough rough ride i was i almost died oh my gosh he ended up being out of work um i was able to take off work to stay home and help him i mean he literally had to learn how to walk and have strength to walk and even hold a spoon so oh my goodness yeah i'm just we're a really nasty case then yeah wow well i'm so glad you're here and everything's good yeah so all of this and you still paid off 153 000 in 18 months yes yes in the first two years of marriage you guys are impressive he cut up his credit cards yeah that's how he got me that's it wow way to go guys yeah very very cool my daughter isabella just graduated high school on was that friday okay congratulations very cool congrats isabella very neat what a great year then things are going well how's it feel to be free i can't even ex it's just amazing and i'm just looking forward to the future what do you tell people the key to getting out of that is just you got to be focused and look at the end what do you want at the end that that point what are you getting what was your big why what was your big push um so i really didn't want my daughter to ever being in debt and she um she was with me when i was a new christian i started learning about christian principles and one of those being the bar servant to the lender and i looked back and said if i could do it all over again i would have did it a lot differently but when we didn't really have the income there was a time i thought we might actually be homeless i know it sounds nuts being a pharmacist and not being able to get a job and i believe it i mean i literally was picking up shifts driving all over the state of florida and um you know i remember having conversations with her and one of her prayers she made a scroll she was in a sunday school class she made a little scroll and the kids wrote a prayer that they had well her prayer was for me to get out of debt and um i carried that around in my pocket up until i got out of debt in my jacket my white coat i carried it around and when i would go to pull a pen out or something i would fill it and i know that you know i'm i'm in this i may not be enjoying every day and i may be stressed out some days but um i don't want that for her and she's so diverse and um so yeah she has her first semester already paid for all right well isabel get up in this get up in the shot when they do their debt free scream here you're part of this story very cool way to go jimmy and say see we got a copy of the legacy journey for you that's the next chapter in your story leaving a legacy changed your legacy now become very wealthy and outrageously generous in the process and you've changed your family tree we're so proud of you also got a copy of the total money makeover for you to give away pay it forward get somebody else moving and show them how to do it that's great stuff jimmy stacy and isabella from chicago 153 000 paid off in 18 months making 215 to 250. count it down let's hear a debt-free scream five more three two one [Applause] that is how it's done wow what a story this is the ramsey show [Music] [Applause] [Applause] dr john dolone ramsey personality is my co-host today open phones at triple eight eight two five five two two five tyler is with us in fort worth texas hey tyler how are you hey dave and dr john how are y'all better than we deserve sir how can we help um dave is such an honor to speak with you um my girlfriend and i we attended your reset live event in oklahoma back in january and we really enjoyed it so it was my first time seeing you and it was great to see the team too so thank you thank you that was a good night dr john you're you're a great addition too i really i'm a really interested thanks man okay so here here's my numbers um i'm 22 years old very recently graduated with a construction science degree basically construction management in two weeks i started my new job at a company that i previously interned with i'll be making roughly 60 thousand dollars gross and i will i will be living at home with my parents i've been listening to your show almost every day for about a year and a half now i'm on baby step two um and here are some other quick numbers i have sixty six thousand two hundred dollars in student loan debt no they're debt no credit card no car loan um but there's some good news i cash cashflowed my senior year of college and i have an additional twenty five thousand eight hundred dollars ready to be utilized for that at this moment okay so i also have um an e-trade account with two single stocks in it that i was given um during my sophomore year of college this was unbeknownst to me came out of nowhere that value today is right around 13 000 so i basically have two scenarios i'm going to put that 25 800 towards the debt which will bring me down to 40 grand and then i have two options i can use that 13 grand i mean can be all debt um random numbers in 12 months or not use that um 13 000 and be out of debt in 18 months now the difference with six months but my thought was i could instead of investing those um 13 grand into single stocks i can put that in some usual funds and let that start growing now so what do you think dave well we teach folks to clean out any assets that they have that are not in a retirement plan and use them to clear their debts as fast as they can because the shortest distance between where you earn wealth is not an e-trade account the shortest distance between where you are in wealth is to be debt-free and get control of your largest wealth building tool which is your income so we're going to clean out everything down to a thousand dollars okay and we're going to throw out all of this debt and then we're going beans and rice rice and beans no goofing off no spending money and clean the rest of this up really really really fast yes sir yeah i i've been going back and forth with this for about a year now since i called the show maybe a year ago i didn't know what to do with it then did i tell you what to do with the directly no no i didn't no you didn't then um i talked to john and uh anthony but okay so are you are you going to be myself so yeah yeah i'm going to sell yeah i'm going to sell it okay good good do it right now yeah today curtis is with us in sioux falls south dakota hi curtis welcome to the ramsay show hi dave thank you for taking the call sure how can we help a little back story in 2019 my folks started going through a divorce and they own a construction company and they volunteered to make me a 10 owner before the divorce was filed it's been a two-year battle since then uh we've turned the company around a lot and we did a mediation yesterday and i'm kind of torn on how to do some of the financing of the buyout you're buying them out i'm uh my dad is buying my mom out and i'm just kind of helping him along the way okay you're helping him by advising him correct correct yes you're not co-signing for him no no i can't no okay okay and so what is that i don't know has the amount been determined yes how much 400 000. you guys have done well since 2019 we've done very well in fact how much cash is in the business uh as of right now because we were going into mediation i kept the cash very low and we updated a lot of machines so we walked into mediation with under 10 000 in cash well that worked real good for the mediation but it doesn't work real good for the buyout no but i'm exactly where it was two years ago financially okay so what kind of profit will this place generate in the next 12 months um i'm contracted for roughly eight hundred thousand profit in that range profit will pay her off in 12 months right i've also got other outstanding deaths from machine purchases in the last are they short-term debts five-year we'll pay her off in the next 12 months okay you have 800 000 you need 400 right right what am i missing yeah what are we missing man it seems fairly obvious right i just i've got a lot of numbers in my head the last couple days let me tell you what's really in your head what all of you are pissed off at her and don't want to give her the money oh i have no problem giving her the money your dad does i know what well yeah probably okay and this is affecting your judgment because for for me it's a very simple 800 000 over the next 12 months i think you two guys can figure out a way to get you a bloney sandwich out of that and pay this woman off and get her out of make her the ex-wife okay give her her money now and then you go deal with your machinery and get your other stuff other debts cleaned up as soon as you can this is a priority for a lot of reasons it's going to set you guys emotionally relationally free to go do business again because having a bulldozer payment is way different than having an ex-wife payment i mean exactly they're kind of similar they're very similar but it's going to let you say it first [Laughter] but there's some there's something about like that is as simple as math gets yeah there's there's an emotional blocker is what it is big time yeah so you make it a priority like you wanted to do it yeah and if you walk in and show up any banker on earth hey i've got hundred thousand dollars of contracts here i need to make a i mean well you don't even you can just pay her out of cash flow she can't do anything in the next six months anyway so just pay her out of cash flow just pay her i mean if she gets her money inside 12 months that's going to work on the mediation believe me for wrapping up a divorce that's already 18 months in yeah that tells me that's contentious and dramatic yeah and a lot of moving parts so walk me through dave real quick what would not go into cash at a mediation is that like some kind of move i don't get the chest he's trying to prove he was broke in order to make the business worth less so that she only got a valuation of eight hundred grand get your mom and move on dude congratulations now cash for does not also mean equal broke they look at net worth they look at cash flow you know you va you don't value a business based on the number of dozers and like a cash you value a business based on um based on its income that it creates and that's what the valuation comes from it sounds like this was dramatically undervalued so i would have yeah it's i would have rather flipped that over and been able to walk out yesterday like this yeah had had a half million dollars in the account and paid her a half million instead of four hundred and then lost a little bit of the mediation but there's a lot going on in this story that you and i are not hearing that's true i can promise you there's a lot of stuff here it's amazing full-on reality show for the last 24 months yeah yeah get her paid off fast you can man that's the bottom line of the thing that's the trick as fast as you want to do as fast you can possibly do that and for future reference be careful when you uh implement a short-term strategy that has negative long-term effects but feels good in the moment where you tried to make the company worth less because you bled it out of cash and bought all this equipment now you put the company deeply in debt so in the short term you fix the problem with your mom's mediation and your dad's mediation but on the long term you put your company deeply in debt and you cause long-term problems for a short-term issue and so that you have to be careful in business or in your personal life it's like someone goes you know transmissions out again i'm buying a brand new 86 000 car you know and so you fix a temporary problem with a permanent with a five-year permanent drama yeah and um a long-term problem and that's what everybody tends to do but that's emotion driven more often than it is breaks my heart for that side yeah what a mess of this dr john delonie good show good hour this good hour on the show today james childs our producer kelly daniel our associate producer i'm dave ramsey we'll be back [Music] have a friend or family member that needs a daily dose of ramsay advice in their life let them know about the ramsey call of the day podcast it's a quick hit of advice about life and money in under 10 minutes check out the ramsey call of the day podcast wherever you listen to podcasts [Music] this is the ramsay show [Music] you can be intentional about your character you can have money and a career you are the hero in your story live from the headquarters of ramsey solutions broadcasting from the dollar car rental studios it's the ramsey show where debt is dumb cash is king and the paid off home mortgage has taken the place of the bmw as the status symbol of choice dr john dolone ramsey personality best-selling author and host of the dr john deloney show a very famous podcast and youtube show where you can join him there all the time and answer questions about mental health relationships anxiety all kinds of fun things and the show is um well it's uh it's moving and it's inspiring and it's entertaining so be sure and check out the dr john delony show next hour i will be talking about america continue talking about america's greatest legal fraud time shares if you have a time share or you have been ripped off by a timeshare company or you want to talk about the scummy sales process that the timeshare companies use call in talk to kelly or email us at dave on air at ramseysolutions.com and you can be part of the show next hour we want real people with real time share stories i've certainly got my opinions and they're right but we would love to hear from you if you want to know what it's like to work for dave ramsey that was it that was it right that was it that solved it right there so folks if uh you're an employer listen up one of the things we've discovered here years ago and we were one of the first to discover this is the way that productivity with employees is affected by their personal life and that includes their money if your team member is struggling with money and they're getting calls from discover card and mastercard they are not thinking about work at work uh in a manufacturing setting that can even be dangerous uh in the military it can be dangerous because you need your eye on the you know you're eye on the ball there or if they're working for you and they are applying to every other job under the sun trying to get a raise mornings at night trying to yeah money stress is everywhere so we uh i think we invented the phrase we actually own it anyway financial wellness because there are all these wellness movements in corporate america and so we put financial wellness in there we own financialwellness.com money stress is everywhere and if you want proof we did a recent study with our research team that found half of all employers say financial stress has a significant impact on their employees but only 30 percent of companies have a financial wellness program well that seems counterproductive yeah so if your employee stress is hurting your company because it's hurting their lives you could help them and help your company and that would be like something that would be smart to do you get a return on investment there don't ignore the problem uh this research paper is pretty incredible that we did on the details of this and i know running a business has been tough and i know the last year you're thinking about a lot of stuff financial wellness may not have been on the list of things you're trying to make payroll friday that kind of stuff right uh but you got a shot to help your team here and i think the shot they've is we hear this all the time it's bigger than teaching them money principles it teaches them intentionality principles it teaches them hey here's how to get your life in order and man if you can get your employees to start thinking bigger about what they're doing and why they're doing it how they're doing it and you start mapping out your day and your week and your month you're going to see a more engaged employee a more intentional human being coming to work every day yeah right and we teach this stuff and we didn't we want to make sure our team was not ramsey-ish yeah so we uh actually initiated some of our leadership team got really fired up about it this year and initiated a whole program internally here called walk the talk if you're going to say this is what we do maybe you ought to be doing it exactly right don't be a hypocrite and so we've got t-shirts and banners and everything all over the building walk the talk walk through we had financial peace university down here in our main lobby on the in the evenings and you know 500 600 people went through it of the thousand that most of them had already been through it uh before but they're going through it again and the amount of debt our team has paid off since the first of the year is pretty amazing it's inspiring so if you're in hr you're a decision maker at your company you want to hear about this stuff about financial wellness and you want to see what this study says this free report our 2021 smart dollar financial wellness benefits study it's real easy to do there's a ton of information here text wellness 233 789 and you can get this free report it is in depth our 2021 research paper smart dollar financial wellness benefits study ton of great information text wellness two three three seven eight nine john is in los angeles hi john welcome to the ramsey show i think you're taking my call sure man what's up so i have an anxiety question i'm happy that dr john's on the line as well so i'm 28 years old my wife and i are on baby steps four five and six and i grew up in a paycheck to paycheck castle and now i'm about two years out of law school my wife and i paid off all my law school loans together in about 13 months way to go man and so we're debt-free now but now i have trouble spending money on anything and it's not like i'm scared of the future i trust that god will provide and i also are you on a speaker phone john can you hear me now yeah it's a little better go ahead apologies okay you could go ahead i was saying i'm okay with saving a bit and i'm not afraid of the future or anything like that but i just feel real guilty spending money on anything there's a lot of you know impoverished men and homelessness and los angeles where i live and so i just i feel a lot of anxiety about and guilt about spending any money what do you do with the money that you don't spend save it we give a lot um and that's it really i like spending money on my wife i like buying her things but she keeps trying to get me to to buy something from me and i can't seem to do it who told you you weren't worth taking care of um you know what i don't think but yeah somebody did somebody told you that you come last your oxygen mask goes on last that it's all right to take care of everybody else but the moment you start experiencing joy you get this man you've done something wrong you've stepped over into dangerous territory who told you that probably someone at church okay yeah they can be expert um what do you say dave about guilt trips yeah expert travel agent for guilty yeah they can be travel agents for guilt trips there that's right hey listen that's that's a it's a somebody lied to you brother i'm sorry so here's the thing um it shows a big heart of compassion that you notice the homeless around you you also are able to do first grade math and you know that you're not the messiah and you can't take care of them all right you can you can help with the homeless issue by making some donations to the local mission or do other people that are doing good homeless programs um but even that is not going to fix the homeless problem because you didn't ever buy you a shirt does that make sense right right yeah when i start doing stuff like this uh my wife goes hey you ain't the messiah that's his job the job's taken and it's good to have a big heart and be compassionate but it but when it overwhelms you to the point that you are unable to do the normal rhythms of life uh because you see need out there that's a messiah complex you're starting to think you're jesus it's not your job it's his job a job's taken and you're not big enough to do it i'm not big enough to do it none of us are big enough to fix that single-handedly with our own personal checkbook i mean even bill gates couldn't do that right hey folks i got a great option to help you pay for your education the army national guard the army national guard believes you are the next greatest generation because you have proven that even in adversity that you have what it takes to succeed that's why they offer benefits like tuition assistance career training and a paycheck to help you avoid debt no matter what your goals are the army national guard can help you get there visit nationalguard.com to find out more [Music] dr john deloney ramsey personality is my co-host today open phones at triple eight eight two five five two two five john is in los angeles we ran him up into the commercial and crashed him uh and he was talking about how to learn to enjoy money uh without feeling guilty now that he got out of debt uh delony more uh comments on that yeah here's what i want you to do man i want you to begin to consider yourself worthy of taking care of too and most of us have to it's going to sound counterintuitive because we think we just we just are born into the world knowing how to do this and we don't but i want you to begin to practice if you've got the money i've paid it off everything you're in baby steps four five and six you're a lawyer you're doing okay i want you to practice spending money on yourself what's an example of something you would buy that you would feel guilty about um pretty much anything well give me an example like going out some afghanistan okay all right so i i think for a little while to learn to develop the muscle john's suggesting you learn to develop this muscle put it as a line item in your budget john that's the line item and that money cannot be spent on anything that's in that line item you can do an envelope put the cash in an envelope write john on it it cannot be spent on anything except john i had to do this john because my wife was doing the same thing she's a classic um southern belle and uh you know uh well we'll say we'll have plenty of money for the children's clothes and i'll just wear the drapes like she's scarlet o'hara right martyrdom yeah right martyrdom and so i finally had to set it aside a separate clothing on my sharon's clothing kid's clothing you cannot spend sharon's clothing money on anything except sharon's clothing right then that takes all the guilt out of it so after years of practice budgeted is she coming around she has no trouble now trouble whatsoever now she's completely healed she is healed she's healed she's miracle she's a professional nicole all right allison is in phoenix arizona hey allison what's up well i am debt three love it how much have you paid off 120 000. 46 months 46 months making what kind of money range during that time so i started my base salary with my full-time position started with 57 000 and i am ending at 80 000 but with my side hustles that i did multiples of um my one year was a hundred and six thousand way to go what kind of uh debt was the 120 so the vast majority was my student loan for my doctorate degree which allowed me to then have a side hustle that was a pretty significant ad what is your document and um it's in education very good very good so what started what started the journey to get out of debt 46 months ago well it was looking at myself that i should have had i stayed in another position i could have been retired by now and i had a lot of challenges i went for four years where i was unemployed and underemployed and i went two full years unemployed and then two more years making twenty thousand dollars a year trying to make things work and then lots of life in between and um i came back found my passionate job here in arizona and uh realized i could be retiring in 10 or 12 years and i don't have any money to do that and i said i need to retire with dignity because i'm not going to put my children through taking care of me as i took care of my parents hey allison it's easy to focus on the money part but i want to spend two seconds on being out of work for four years making 20 000 that is a psychological beating that's a spiritual beating what what what brought you back to your feet and said you know what i'm gonna i'm gonna take this one little step and another step another step and you took off to side note i asked for taking ownership of your future what what what motivates you to do that to side note i asked for a call when you would be on dr dillon because i love you um so i i was i've been a single parent for nearly the entirety of my children's life and um my parents were gambling addicts and i grew up in a household i know this is like a long way to your answer but i grew up in a household that didn't take care of money and so i learned how to really be good at being in debt and in 2006 i discovered a different person who said get proof your life don't get free but get proof your life so i tried that and um it that introduced me to dave ramsey but i didn't believe in dave ramsey until i lost my job and my house and my ability to take care of my family and then my mother passed away and my father moved in with me and also i took care of him and so it was it was hard it was my you found yourself out of options huh i didn't know what to do i thought i thought i've gotten debt proofed before i can do it again so the first two years i was kind of okay and i was like i've done this before i can do it again and it just the debt just kept growing and growing and growing because i didn't follow the baby step plan right i didn't have the rest of the plan i got out of debt but i didn't follow the whole plan and um and then after two years then depression set in and i didn't believe in myself and then i gave up i was like well you know heck who cares you know i can't take it with me my parents didn't take it with them i can't take it with me and and so what does it matter anymore if i'm in debt and then i came back to arizona i had moved away and came back and found my passion job i love what i do and i love where i work and i finally started healing my um sense of self and my sense of self-worth and that's when i was able to then turn around and say yeah that's foundation you're ready to go allison very well done thank you we've got a copy of the legacy journey for you that's the next chapter in your story for sure uh you have changed your life but now you're gonna change your legacy so continue with this we're very very proud of you you have really you're you're a superhero you've persevered awesome absolutely amazing very well done also a copy of the total money makeover for you to give away and get somebody on their journey and teach them the baby steps that it took you a while to learn there so proud of you kiddo very well done all right it's allison in phoenix arizona 120 thousand dollars paid off in 46 months making 57-80 to 106. she's hustling and grinding count it down let's hear a debt-free scream three two one [Music] [Applause] that's how it's done you know it is foundational to be able to do the baby steps to get to ground zero yeah and when you're struggling through uh so many holes you're down in a hole yeah you got to get up to ground level to start and it feels like a war to get to zero to get up to to get up to ground level yeah to get past the the addictive behavior and grow in their home of origin to get past the i'm not worth anything yeah hopelessness the worthlessness to get up to there and then all of a sudden when you're standing on that base ground even at zero and you can see your way up the light comes on it's like hope yeah yeah man it's powerful to stud well done kiddo well done this is the ramsay [Music] show [Music] [Music] [Music] dr john dolone ramsey personality is my co-host today in the lobby of ramsey solutions on the debt free stage allen and ashley are with us hey guys how are you good how are you dave welcome it's a pleasure to have you where do you guys live charlotte north carolina very good and you're here to do a debt-free scream how much did you pay off oh you're looking at weird people dave you paid off your house paid off her house yeah 393 000 total all right wow how long did this take you uh close to five years or four to five years good for you and your range of income through that five years it's like 90 to 260. wow what do you guys do for a living uh we work in transportation i'm a freight broker i'm a dispatcher okay cool is this how you all met no believe it or not i was a salesman in new york we're from new york connecticut area and um she was one of my customers and i kept hitting on her and she wasn't interested and then i moved down to charlotte and eventually i reeled her in you know ah that's a good salesman yeah well played charlotte charlotte was a good move yes good for you so what inspired you five years ago to get house and everything paid off well we just didn't want to be a part of the rat race anymore for me i would always complain to my friends and co-workers about hated work and like a day job and doing the nine to five and just had to find a way to get out so we decided to just do nothing but work for four or five years doing side hustles full-time jobs managing around the kids schedule yeah i'd work a full-time job monday through friday and then once my son went to bed i'd go out and i'd door dash or grubhub or whatever side hustle i had to do wow and then on the weekends i go during his nap time and bedtime and wow just whenever we could to make the extra money i mean there's no fun right now but we'll be there yeah you can have any kind of fun you want now making a couple of hundred and no payments no house payment or anything how's it feel to be completely free great great it feels um like a huge relief to just was it worth all the sacrifice absolutely we don't even know how to get out of it we talk about that like we don't need to work all the time but we're still working seven days a week around our kids schedule it's like how do you break that trend after doing it for so long you you feel unproductive when you're not working so it's like i'm on the couch for like an hour watching tv i feel like i should be out working she's the same way so interesting cool well you need a hobby yeah we do there's these two magic words i want to teach you you ready i quit you can use them on the way home to whoever they apply to congratulations thank you very much very very strong way to go guys so what do you tell people the key to getting out of debt is you pay off 393 000 house and everything what do you say uh dedication just stick with it keep going and then at the end it will be nice not to have to worry about you know when the utility bill comes in am i going to pay this week or i'm gonna wait till the next paycheck now it just comes in and you can just pay it right off and for me it's just um i want to make sure that that the rest of my life you know my son doesn't have to grow up the way that i grew up and for me i grew up poor in a very wealthy neighborhood in connecticut and everyone around me was rich and i was far from that so i just tell people stick with it and the grass is always greener on the other side so how old are your kids man i got a three-year-old a three-year-old three-year-old and a 15-year-old wow that's perfect what's this house worth uh probably around well with this crazy white market we're in now yeah our realtor's telling us about 450. yeah i love it yeah way to go thank you yeah so you got to feel completely different it does it's just nice like i always tell my boss all the time like this is the last day job i'm ever going gonna have i like working here so i choose to work here but like i don't feel like i need to work 40 50 hours a week anymore changing the same way yeah so wow so what actions are you gonna take when you get home to plug into this three-year-old instead of more door-to-door well we try to do family time on the weekends um she's always home to put him to bed and read him a bedtime story and um but yeah for the most part we got to spend more time together with them which seems to be the problem it's like one of us is always working all the time so our schedule's kind of built around him but you're right we do need to figure that out more very exciting yeah we both work from home so that's a plus side oh okay so i mean he gets to stay home with us at all times and yeah he's never seen a daycare in his life yeah that's wonderful and you got all these goals hit yeah that's very powerful good all right well let's get him in the shot what is his name and age again austin and he's three austin three-year-old austin allen and ashley from charlotte north carolina they're weird people they paid off their house and everything in five years 393 000 paid off and of course we've got a copy of the legacy journey for you you have changed your legacy you've changed your family tree i'm so proud of y'all thank you dave appreciate it very well done excellent excellent work good job and a copy of the total money makeover for you to give away to someone as they head off in the right direction as well so good stuff all right alan ashley and austin let's hear a debt-free scream three two one we're debt-free look at the smile on his face [Laughter] he loves the applause yes he does well that's what happens when your mom and dad are studs that's amazing wow very powerful stuff see if you make i mean let's just say they quit a whole bunch of their jobs and they only make 150 yes and you don't have a house payment you become very wealthy real fast if you just invest the house payment right if that's all you do take your house payment round it up have it automatically drafted out of your checking account that account alone will become a million dollars so fast it'll take care of you it will blow your mind how quickly this thing turns in the other direction and the momentum that you've pushed for so long to try to get that rock up the hill finally it goes over the top and it's rolling down the other side yeah and then you get to find a new you spent four years cranking on that y and now you get to sit down and do what i think's a lot of fun is dream and create a new one yeah what's next right it's a little three-year-old right there right that's 15 year old at home that's awesome what's the what's the next big push that's the thing very very cool stuff well one of the things that happens when you get all of your debts paid off and you don't have any debt of any kind on your fico on your credit report at all your fico score becomes zero dave doesn't that mean you're dead [Laughter] no it means you have a lot of money i can buy anything i want to buy and i don't have a fico score because i have money and i have money because i don't have a fico score because the only way you get a fico score is going to stay in debt and pay it all the time and the same is true when you teach your kids so they teach that three-year-old it's uh teach your kids to be cultural in a culture that worships at the altar of the great fico oh great fico you are our provider oh thank you good old fake who so we just dropped prices up to 80 on our best-selling kids products so you can have fun and education this summer for the kiddos the adventure pack is a family favorite that includes the new story time collection financial peace junior the smart saver bank and more to make learning about money actually fun and the best part is you can add an extra kit for each sibling or if you've got a teen that's wanting to earn some extra cash the teen entrepreneur toolbox is the perfect safe and flexible way for them to create their own summer jobs they'll turn hobbies into real businesses and they'll learn hard work leadership and responsibility teach them the right way to handle money while they're young save up to 80 percent off by shopping the kids and teens sale at the online store at ramseysolutions.com store ramsey solutions dot com slash store so you're teaching the kiddos and the deloney household yeah we in fact i was just thinking last night i was uh actually i thought man i can't get away from dave i was laying down reading my daughter a story to go to sleep and i looked over and saw her ramsay um you know it's like a piggy bank but it's divided up into those three sections so she gets a representation of pictures man her and hank are working hard this summer and hank's starting his hank's handyman service taking care of some of our um aging neighbors their farms and places and man watching them put it in the save and in the spin watching him work hard and then buy a lego set he wants just so great that's powerful yeah it's cool man good stuff that's how you change the family tree yeah this is the ramsey show [Music] [Music] so [Music] dr john dolone ramsey personality is my co-host today coming up at the top of the hour we're going to do a another hour on the time share industry america's largest legal fraud if you want to comment on that you want to be part of that hour you can call in the phone number is triple eight eight two five five 5225 or you can email and kelly will get you set up at dave on air at ramseysolutions.com we have room for you to tell your timeshare horror story or if you know someone that has one get on the phone with them and tell them to get in touch with us right now and they can be part of this so in the lobby of ramsey solutions on the debt free stage is danielle from colorado springs with a question hi danielle how are you hi i'm actually from austin colorado but i'm doing great and thank you for letting me ask my question today sure what's up well my husband and i recently reached baby step seven and uh we're both teachers and we're way to go yeah wow we're struggling with our will because while we completed the journey very successfully our children um we did not change the family tree and so we're struggling with knowing um how to um put this all in our will while including what we've started as our legacy and how to talk to them about it without alienating them or without trying to change who they are so what does that mean who they are um they didn't we live the baby steps out loud it's in my classroom it's in the community i'm a financial peace university coordinator so it's no secret we even threw a party for my husband's truck when it turned 30. so it's no secret that we are living the steps out loud and they didn't choose to follow us because they were older when we got married and so um we're we're doing all sorts of crazy things that we're really excited about we want to include it in our will but we don't know what it looks like for people that don't understand where we're coming from we don't want to feel like we're judging them because it's their life they're adults but we wish that we had changed the family tree of our four children one of them is doing well one of them is doing ish and the other two was like who's dave ramsey that kind of thing and we we don't want to alienate them and we don't want to judge them out loud we wish that they would take the journey but um we're really passionate about we have a memorial scholarship in my brother's name it's really taken off it's really doing great we're going to put that that's going to be in our will but we disagree on what to say when to say it and what we should do so i'm going to let dave talk through the will i want to let you know that judging a family tree while you're still here is often too soon yeah true and so right when you said that i just wrote a note and i wrote yet right and what i'll tell you is kids often especially when it's they get to see an example not just hear words they get to see it they often loop back around right and there will come a moment when they go oh i don't have anything that's my mom and dad and then then they come crawling back and say tell me about this this dave guy right so don't wear that baggage yet okay um dave what do you think about this will situation um so here's the thing let's say that someone was working here on our team and i'm giving them my money to do work and um they're not doing a good job not talking to them about that and calling that not being judgmental is inaccurate it's also unkind because i owe them the feedback to be able to change their lives to become a good team member to become productive as a team member that way they get to keep their job otherwise i just walk in and they randomly get fired they don't know what happened because i refused to judge them because all along i was judging them you're supposed to judge people by the way you're supposed to judge them this idea that oh you can't judge people yet you actually you're supposed to and you need to uh you don't have to be a jerk about it you don't have to be judgmental but it is unkind to share with those that you love the most a better way of life it's unkind to not share with them yeah to to to not share with them yeah i mean to to hold back and go well that's just the way they're made no they're not made that way i mean you know it's not not saving money is not a character trait it's a decision well i that's what makes it hard is because they don't understand or support the decisions that we've made which is fine yeah they don't have to do that but they do have to start behaving in such a way that they're going to receive my money or they don't receive it okay and it's unkind for you to have because here's the thing if they're misbehaving and you give them money you are now funding the misbehavior that's the ultimate in enabling right and so an extreme example that is they're doing heroin but they hit the dna lottery so they're happy to be my kid that's a heroin addict but i can't judge them oh yes i can you're a heroin addict i just judged you and i'm not giving you money upon my death to further damage your life with your misbehavior you'll die of an overdose that's an extreme example but this is a minor example where a series of choices going unaddressed by them or you funded with a big pile of money is going to magnify the negative that's what i was worried about you're because what money does is it doesn't it doesn't heal things it magnifies the good things and the bad things and we've all got some of both by the way so and you are spending a lot of energy judging you and your husband what do you mean you you have these values and you're almost like you're ashamed of us yeah no i'm not i'm very i'm i'm sad that they didn't when you when you ask people what the hardest part of the journey is i would clearly say that it's they that they didn't join us yeah so yeah yes yeah and so i i think i would just sit down and say listen you're adults i i am not in a position to tell you what you have to do to live or how to live and i am not going to do that but it would be unclear of me and unkind to me for you to not understand that as long as you're not handling money in a way that i view reasonable i can't leave you money so you won't be in the will right and i i don't want to get off the stage without saying that we love all of our kids equally i didn't right i know you didn't say that i just want them to hear this and think wow we just wish better for them yeah yeah yeah i mean think of it this way if a truck was coming and they're in the middle of the road yeah you would shove them out of the way right and it would be unkind to say well i don't want to i don't want to judge your behavior i don't want yeah they're they're dancing i don't want to get in the middle of that yeah they're definitely going to hit him doing tequila shots and dancing in the middle of the road yeah right i mean it's a problem it's a problem so uh but but you know i'm i can't make you do anything but i can not give you money for the tequila i mean i can i cannot fund the misbehavior and it's just a loving thing it's you know you want to be very brief and very kind and very gentle very low and and don't get into a bunch of your disappointment i won't it's just i need to give you the information that we're not going to be sharing wealth with people who um don't share our value who don't share a value and can't handle it uh because i'm afraid it's going to bring you harm instead of a blessing and i love you too much to give you anything except a blessing and so you have my spiritual blessing you'll always have my love but you won't have my money it'll be left to something else unless you guys want to learn how to do this stuff and anytime you do we're here to help but we're not going to interfere in your lives your adults right does that sound balanced it does you've reached a point where you have to pick your heart you want to live in distress of you're going to violate your own values by giving money to people that you don't think is going to be a good steward of it or you're going to live in distress you're going to have a hard season of here's our boundaries and we're going to hold firm to him you got to pick your heart right yeah it's not an emergency or anything but i i um you know our will is very detailed on this stuff um and even further controlling than what we're discussing right now and so um because we're christians and we believe that uh where it's not really our money we're managing it and i can't leave god's money to a an unrighteous or an incompetent manager and so if you're going to be doing a bunch of crazy stuff normal stuff yeah doing cocaine on the back of a yacht and thinking you're shooting a reality show because you're a trust fund baby you're confused if you're a ramsay because you're going to get zip i'm not funding that because of your lifestyle decisions and because i love you too much to fund your cocaine habits and the important thing is that you told them that up front oh yeah they know yeah they're all clear in the ramsey it's a it's a responsibility of management that you're losing not hitting the lottery there you go that's a difference it's a different viewpoint on it thank you so much very nice john good hour thank you well done james childs kelly daniels up next timeshare hour yeah call in people [Music] hey it's kelly associate producer and phone screener for the ramsey show if you would like to do your debt free scream live on the show make sure you visit theramsieshow.com and register we would love for you to come to nashville and tell dave your story [Music] this is the ramsay show [Music] you can be intentional about your character you can have money and a career you are the hero in your story [Music] live from the headquarters of ramsey solutions broadcasting from the dollar car rental studios it's the ramsey show where debt is dumb cash is king and the paid off home mortgage has taken the place of the bmw as the status symbol of choice a couple of weeks ago i stepped onto the air and started talking to you guys about the timeshare industry now i pick on rent to own guys payday lenders credit card companies car leases whole life companies all for one reason and one reason only because they screw you the consumer their rip-offs they're not good for you they don't cause you to win i have not advocated for legislation to ban them because i would rather you guys just put them out of business by stopping your use of payday lenders if i could educate enough people how bad payday lenders are they would quit going to them and then they would dry up and they would go away if i could tell enough people to buy term insurance instead of whole life insurance i would and then there would be i don't need legislation to put whole life life insurance out of business instead education and inspiration will do that i've been doing this for 30 years and all during the time i've been on the air and the time i've been doing financial coaching i am meeting people who have been screwed by the timeshare industry they go in on a vacation and they're told if they come to a short sales presentation which will end up being from five to eight hours long that they get a free hotel room well that's not free and then they buy something from eight thousand dollars to a hundred and eight thousand dollars where they have the rights to use a hotel room a condominium for one week or two weeks or three weeks or four weeks a year they have absolutely no title to the real estate they bought air and they know they bought air when they try to sell it or get rid of it because you can't sell it it's not an asset they're all over ebay for a dollar and no one will buy them for a dollar because then you've signed up for the ridiculous ever increasing maintenance fees where they gig you and gig you and gig you and gig you and gig you and gig you over and over and over again this is a 10 billion dollar industry they take a simple condominium project that they would have made a few million dollars on and they make hundreds of millions of dollars by selling it by the hour and by the week to people who then own nothing and they're in debt many times for 15 or 20 or 30 thousand dollars for this useless week and they have problem after problem after problem after problem if you have been screwed by the timeshare industry you have a story to tell about getting locked in one of those rooms and not being able to get out until you bought call right now the phone number is triple eight eight two five five two two five that's triple eight eight two five five two two five if you have never fallen prey to this and i have not but most people that i know have here is their proposal we have not fed the tiger here at the zoo for several days to say that he's greedy for a meal would be an understatement however if you will go into the tiger cage and sit with the tiger for three hours and pet the tiger who's greedy for food and is not eaten in three days we will give you a one year pass to the zoo for free and you folks sign up to pet the tiger in the tiger cage and you think that this greedy tiger is not going to eat you and you sit there and you sit there and you sit there and you sit there and you're pressured and you're twisted and you get hungry and your blood sugar gets low many elderly people complain that they could not get access to their medicine and the only way they could get to take their medication was to sign up to get out of the room this is unbelievable unconscionable over-the-top pressure from these companies to buy this this completely useless product that does nothing but make the people selling it rich if you sell timeshares you are by definition scum stop it go get a good job it's awful you should not do that to people you should have a conscience you should look at what you're doing and think about what the people are gonna end up with five ten years later after you sell them that well dave ramsey you sell people stuff yes i do and they are better for it ten years later not worse there is value in that and i have no con no no hesitation to do that whatsoever westgate david siegel is now 86 year old billionaire 86 his wife is 30 years as junior and was the subject of the famous documentary back around 2012 called the queen of versailles where they began building a 90 000 square foot house we're unable to finish it because westgate almost went broke this one is one of their timeshare testimonies online westgate we were scammed into buying this timeshare only to be told the most important information which was in a black binder given to us was that we had 10 days to cancel we are out of the 10 day period we cannot use the time share for one year every piece of information given to us was a lie this is about westgate marriott owning this timeshare has been such a headache overall but this covet situation has really given them an excuse to further abuse people i pay my fifteen hundred dollar maintenance on time by the way can you rent a hotel room for fifteen hundred dollars this is after you paid fourteen thousand or twenty eight thousand to own the dad blame thing pet the tiger baby pet the tiger nothing is ever available to trade weeks are lost and now they have to be put into interval because marriott won't extend the usage even though everything was closed due to covet on top of that they never even put the points into interval says it will now take 12 weeks to press a button which means i will lose three months of usage before it expires endless hours on the phone and chat only to hear the same thing over and over again you have to wait sorry thank you marriott you screwed me and they refused to allow me to speak to a supervisor or a manager the worst of the worst is diamond in 2019 we were visiting a diamond resorts location and were offered a discount four-day trip to palm springs if we attended a timeshare presentation while there go in the go in the cage pet the tiger the staff pressured us relentlessly into making a purchase while at the presentation we were told that these resorts were for the exclusive use of members that this was a real estate investment that not traveling more with our family made us bad parents finally we felt that we needed to make the purchase not only to leave but so that our children could experience the lifestyle that this representative was promising after that day we continued to get hounded with calls from diamond employees asking us when we'd be attending the welcome presentation every time we tried to book it nothing was available not only can we not book rooms they ripped us off what are we paying for diamond thank you [Music] what makes our show unique is that we genuinely care about our listeners we're intentional about choosing the best advertisers to recommend blinds.com is no exception they offer high quality window treatments at unbelievable prices and they make it simple to shop blinds shades and interior shutters with easy online ordering free shipping and a guaranteed perfect fit go to blinds.com and take advantage of this week's special savings [Music] we're talking about the largest legal fraud in america today it is legal but it is an absolute rip-off it's called a time share if you've been ripped off by the purchase of a time share and you want to tell your story you can call in right now at triple eight eight two five five two two five if you used to work for one of these companies and you want to tell the truth about what goes on behind the scenes you can call us at triple eight eight two five five two two five marty is in phoenix arizona marty what happened to you hey dave hey just a quick story uh uh when i was 22 years old my wife and i were freshly married and she heard about this timeshare thing that uh you go there and they give you away a free barbecue grill or whatever to listen to their their presentation so she talked me into going to it and uh it was the longest four or five hours of my life sitting there listening to this this pitch that made no sense at all depending to spend like i don't know it was like fifteen to twenty thousand dollars for this time share thing that you could use then they brought up the big hitter guy that tried to you know really sell you on it and uh even at that young age i told the guys it's just absolutely ridiculous i can i can stay in a really nice motel for a lot less money than that well you've got the option you can trade go someplace else and such and etc and i said well if i want to do that i'll just go to that place you know just just give me my stupid barbecue grill so we can go home so i told my wife i'm never gonna uh sit through an experience like that again that was uh was that 30 i'm 58 now so how many years ago was that 36 years ago yeah so that experience stuck with you did you actually get the barbecue grill yes we did it was one of those cheap little hibachi little things you know oh so even that was a rip-off it was a rip-off yes it was they stole your five hours so you you know you you got paid a dollar an hour you got a five dollar barbecue grill and that's for sure and i told my wife said that you know nothing is free in this world you know we had to spend five hours of our time for this chic little barbecue grill i said you know it's just uh it to me it just made no sense i've always lived by your principles even before i heard about you you know to keep you know keep it simple have no debt we paid off our house in our 40s we uh we're your everyday next door millionaire uh you know just just i just would advise people to buy into nonsense like that you know if you want to take a vacation book a nice vacation someplace where you want to go and and pay for it but the timeshare thing is is a total rip-off yeah yeah i always think i'm kind of like you that i mean how many nights how many nights in a hotel room can you buy for fifteen thousand bucks exactly all right yeah you get a really nice motel for that for i don't know a month or so or a couple months plus fifteen hundred dollars or three thousand dollars or four thousand dollars a year maintenance fees on top of that and the special assessments don't forget those marty thanks for calling in yeah again guys going to the timeshare presentation is like going into the tiger cage the tiger has not eaten for three days and you pet the tiger for three hours and try to not get eaten so that you get a one year pass to the zoo don't pet the tiger just don't do it well i i you know you and the hilarious thing is you think you're going to be the exception so you go down there and you block yourself in a room with the tiger who is greed there's nothing greedier than a timeshare salesman except his boss and his boss's boss people like mike flasky the ceo that runs diamond whoo you talk about a character see they just sold that to hilton and hilton has just damaged their wonderful national brand now because they took on the largest most grotesque and complained about timeshare company in the world called diamond international and i don't know how much money mikey got if you're the ceo i wonder how much stock and diamond he owned so how wealthy he became with that transfer to hilton you know i wonder if that's public record james we ought to look that up that's probably in the sec filings since we're going to go ahead and continue to do these exposes on the interior workings of the timeshare industry so any how many of you out there think about this saw that thing the queen of versailles award-winning 2012 american documentary by filmmaker lauren greenfield with sundance so i i watched it and i got to tell you i watched it because i was p i'm pissed off the timeshare people they've been jacking around and i'm finally just doing something about it i'm body blowing them right now and so i watched this and i just felt sorry for these people they were just pitiful people it was hard to be mad at them because they were just pitiful just pitiful now david siegel is the owner of westgate it's now uh he's now a billionaire again but he almost lost everything during that 2008 downturn and they were filming this documentary that came out in 2012. and get this now siegel and his wife bring them into the house and they follow them around with their dogs pooping in the floor they've got a whole bunch of kids the house is an absolute wreck it's disorganized their spending habits are like they're in congress they're self-absorbed it's a really sad kind of kind of like watching those reality shows where the people on there aren't even real they're like cartoons and you just feel sorry for them like if that was your daughter oh my gosh how would you feel if that was your sister how embarrassed would you be you know is that's kind of how i felt for him i felt bad for him except that i sat there and watched this guy and the first thing he did was not stop construction on his 90 000 square foot house when his company got in trouble he laid off 7 000 employees but he didn't give up the 90 000 square foot house i it's just principally wrong i think but what do i know i'm old-fashioned in 2010 this article says uh in january 10th of 2012 the same year siegel and westgate resorts filed a lawsuit in florida against sundance and the filmmakers of the queen of versailles claiming that sundance's published film description was defamatory now i will say this it did not leave old david and his wife looking in a good light it was not it was not like this was like a promotional piece for them which is what i think they thought it was going to be because of their uh egos and so but you let these people in your house and followed them around and had no guidelines on you overseeing the editing of this and and they found that your dog's crapping in the floor your kids stepping in the dog crap and they put that on there and you don't think that and you think that's defamatory it's not defamatory what happened and you allowed them in your house to film it so the judge threw that out the arbitrator also wrote that westgate had failed to show it was damaged from the documentary finally the arbitrator wrote that westgate did not remotely establish the tip the type of malice required for a defamation claim on behalf of a public figure but let me tell you what a 10 billion dollar industry does when in doubt they try to sue their enemies into submission whether they're right or not we had an attorney on here last week when we were talking about this that said that he represents 15 different attorneys that they have run them out of their law practice these attorneys would go after the timeshare business to because their customer to be released from the timeshare timeshare company turned around sued the attorney and this guy has 15 of these attorneys that he's representing as an attorney against the timeshare business because all they did was try to run them out of business so what that's what they do and the problem is i'm neck deep in cash i don't have any debt so guys i'm not going to be that easy i'm not a little one-man show attorney law firm i'm not going to be that easy mikey you got a problem it's me and you've pissed me off by ripping people off so long and then coming after me and that was a mistake mikey that was a mistake it's going to cost you guys this is just the beginning of how bad it's going to hurt people do not go to a timeshare presentation especially if it's westgate diamond especially if it's marriott do not go into the tiger cage and pet the tiger don't do it you're going to get bitten now if you have had a time share experience and you want to share it this is your time we're going to do that in the next segment the phone number is triple eight eight two five five two two five hilton grand vacations is entered into a definitive agreement to acquire diamond resorts international the largest independent timeshare operator in a stock-based transaction value 1.4 billion dollars [Music] all on the back of people that went into the tiger cage [Music] [Applause] [Music] [Applause] [Music] [Music] in 2017 arizona attorney general mark fernbernovich announced that diamond resorts corporation has agreed to settle for eight hundred thousand dollars in a case involving allegations of customer deception diamond resorts is a timeshare sales company with resorts in the united states and international locations according to the attorney general's office the company used deceptive sales practices no it's not possible during sales presentations the company allegedly made oral misrepresentations and false statements no couldn't happen attorney general argued that diamond resorts has made misrepresentations about annual maintenance fee increases of course membership resale there's no such thing and buyback programs they don't happen timeshare membership resale markets don't exist the ability to rent time share vacations and discounts on other travel needs can't get it done their office charge time and resorts with violating the arizona consumer fraud act as per the settlement agreement diamond will need to make changes to its business practices the settlement also includes the creation of a relinquishment program wherein consumers can return their timeshares if they want to and have no further obligations good luck with that one good luck with that one just call up oh mikey and say mikey i want out of my time shirt diamond you know what he'll say yeah brandon is with us brandon is in phoenix arizona hey brandon what happened hey how's it going dude i'm having way too much fun what's up i hear that so i'm 28 years old and my wife is just turning 30 this month but about two years ago on her birthday or maybe it was the year that we got married um we had gone down to sedona arizona for her birthday and there was a nice gentleman on the streets offering a 50 stick gift card and we were you know kind of tight being newlyweds on money and so that gift card sounded nice to take her out for her birthday and then on top of that um we had to go sit through about an hour to an hour and a half presentation as he put it on a diamond resort timeshare and he said at the end of it we get a week-long vacation that we get to choose from between uh about five packages so it sounded good we went to the uh the tigers then as you put it and we actually we made it out alive it's a success story but when we got there it ended up being about three to four and a half hours if i remember correctly and then after i got through the sales person she brought in her boss and after i got through her boss we had to wait around for about 30 to 40 minutes more and go sit through the final boss guy and we finally left with our vacation package but the funny thing is to this day we still haven't had time to use it let alone spend twenty to fifty thousand dollars on a timeshare that we would probably never spend that much in our lifetime vacationing yeah you know amen and if you did you could go to some really nice place even the free stuff isn't worth it you know i mean all that free stuff isn't worth you know what you have to go through to to listen to these people yeah and they're they're convincing i actually just uh was that we were in cabo over uh christmas and i was playing golf and i were playing golf with this really nice place i thought and uh when i finish up the little guy comes over to me hey how'd you do that i thought he's getting my bags and stuff and he starts telling me he goes uh hey hey man did you pay for your golf and i went well sure of course i did he goes well you didn't have to and i went really why and he goes i'll pay for it for you and i went oh really why and he goes well we do that and and then about you know i start to realize it just starts to dawn on me this is an invitation to the tiger cage all for a round of golf and so i just said no honey it's okay it's okay he was going to refund me for my green fees which were really yeah that would have been a real bad use of my time elizabeth's in boise idaho hey elizabeth tell us about your timeshare experience hello hi dave um dave i we're actually triple losers and you know we're not going to go back for more but our first one was at the marriott newport coast in newport beach california and they put us in this we were supposed to be able to stay there right and have the sales pitch we have the sales pitch and everything but they didn't have any place for us to stay so they put us in this real dumpy hotel okay so that didn't go over so we left that yeah um in palm desert and we bought it we bought a one bedroom darling place and we loved it we got the we got our to play golf and everything and then they got rid of the one bedroom so they virtually pushed us out to where we would have to have been they sold you a one bedroom and then they got rid of the one bedroom so they couldn't provide to you what they sold you correct correct and their answer to that was not to give you a refund of course well after many months and a lot of arguments and a lot of pushing and threatening we finally got a refund because he virtually sold us a contract that no longer existed yeah i would think i mean that would be straight up that would be that wouldn't be legalized fraud that'd be just like fraud okay so uh which company was that one that was bermuda dunes and i don't know if it's its own entity i can't remember okay at this time but uh that wasn't say it again it was called what bermuda dunes bermuda dunes okay beware of the one bedrooms because they don't have them okay yes yeah so that just disappeared okay but that was a lot of fighting and a lot of stress our third one as we as if we weren't the biggest suckers in the world was diamond in sedona as your previous caller just identified so diamond and sedona puts you through the ringer three or four hours you're listening and they'll give you a a little bit of food and maybe some oranges to keep your glucose going in your blood and then they don't really want you to go to the bathroom and they don't want you to leave to go eat and so i know i'm like okay so i can't i can't even hardly urinate here so we stayed there and went through that and then they put us in the dumpiest place i've ever seen for the night and i'm like this is unbelievable after you sat through all that believable after we sat through all that we stayed one night and then i called him back i called the show and thingy whatever people and i said this is ridiculous and she said okay we've got another place for you it was worse than the first one oh my gosh but you didn't buy there so that was oh i'll never buy a time share or visit one of these crooks again okay i love it you're awesome thank you thank you so so much randy is in i'm sorry glenn is in jackson tennessee hey glenn tell us your time share story hey dave hey it was uh 2005. my wife and i were on our honeymoon in gatlinburg we were approached by a young woman in a gas station parking lot offered the cash prize to come sit through through the spill yeah because i generally get really good things by people who approach me in a gas station parking lot [Laughter] they're at uh you know they're they pop up like weeds everywhere they're somewhere but uh we we were convinced to buy a vacation package and we upgraded from that the year we took our vacation and we actually used our times here uh for every other year for six years uh it's at the great smoky mountains this was westgate resort and um and then similar to your last caller um the unit that we were were using each uh every other year was going to go away and so basically we were basically flat out told we would own something that wasn't worth quote unquote owned something that we couldn't use um you know as they define ownership and so we sat through hours of trying to decide what to do at a different uh well it was the west gate but a different result they can resort rather and they convinced us to upgrade some stories of being able to sell later or rent later and so um it was actually god's saying that we found out about timeshare exit team from your program and uh worked with them and had a successful exit oh they got you out it's probably they did very good ago this was finished and in the time since uh they've gone through obviously they've been successful because timeshare companies have come against them hard yeah uh and it was our it was my distinct pleasure actually to speak on their behalf and say hey we were the ones swindled by timeshare companies not not time sharing exciting yeah well we'll come back and talk about that a little bit that'd be a good thing to let everybody know about this is the ramsey show [Music] our scripture of the day proverbs 18 15 the heart of discerning acquires knowledge for the ears of the wise seek it out albert einstein says it's not that i'm so smart it's just that i stay with problems longer you see that's me i'm not that smart i just stay with it like this whole time share thing i'm staying with it so i'm gonna keep talking about you guys so here's the deal so one of the problems i had here on the radio was that people needed to find inexpensive term insurance so we went and found zander insurance and endorsed them and they've helped a whole lot of people with their term insurance people also needed help with their real estate and we went and found real estate agents and we call them endorsed local providers that we endorse all over america some of the top insurance some of the top real estate agents and their endorsed local providers and so on and so one of the things we did we've done over the 30 years of being on the air is when we find a problem that you guys have we don't necessarily need to get in those businesses we just help someone that's already in those businesses help you if they're reputable and they have the solution to your problem but i was getting all these calls for 20 years dave i can't get out of my timeshare i can't sell it i can't get them to call them i can't talk them into it i've offered to pay them to take it back they won't i've offered to sell it i've offered i can't get i can't donate it to charity i can't get rid of it i'm stuck so these two young guys call us and they started a timeshare exit company called timeshare exit team and it was on a couple of radio stations it was doing pretty well around america and they said they won't be on the dave ramsey show and i go guys when i put you on here and i say you can get people out of time shares your business is going to explode exponentially well that's what we want i said yeah but can you handle all those phone calls can you handle all those cases can you get all this work done because you know you can't take all this business on and not take care of these people well i was wrong it didn't explode it exploded i mean it was amazing and these poor guys they they were they they were getting people out of town sharers left and right left and right left and right left and right but they couldn't hire fast enough they couldn't keep up with the phone calls they couldn't keep up and every time we would get complaints because somebody wouldn't get their phone call returned or something we get on them and they say i know we're hiring and we're doing this and we even sent them some of our leadership training so they could grow their businesses so that they could get the job done to get you people out of your timeshares they got over twenty thousand people out of timeshares and they were one of the most successful timeshare comp exit companies in america they weren't the first they weren't even probably the best but they were very successful uh we sent them a lot of volume obviously uh but they grew they outgrew their ability to return phone calls and get everything done they ended up just they got overwhelmed because it was so stinking popular because people hate time shares so the timeshare companies decide to target them and start suing them and banding together and suing them and mike flasky got up and stood in front of the timeshare association word is i haven't found the actual transcript yet but we've heard from bloggers in the industry that he stood up and said he's going to pledge that the industry is pledging 50 million dollars to put anybody in the timeshare exit business out of business that they were going to sue them until they ran them out of business and so they started suing timeshare exit team over and over and over and over again then they talk the uh uh attorney general over in washington state into going after them i've yet to figure out how that happens a little more to come on that later i promise you i'm just still investigating that uh and he's trying to depose me which is funny uh and man i mean this has been a these companies are trying to depose me because i endorsed them of course i endorsed them they got 20 000 people other time shares but they've now been overwhelmed with legal fees and so they're no longer on the air with us because they're spending all of their money trying to stay alive in these legal battles and so now i don't know i can't figure out how the timeshare business they have so much money they just buy their way into everything or intimidate their way into everything apparently because then inside edition which is a well-known what piece of crap tabloid thing right uh decides they're gonna do a thing on timeshare exit team and they're gonna do a thing on me because i endorse them but timeshare exit teams ripping people off you got it wrong inside edition timeshare exit team isn't who's ripping people off it's the timeshare companies that are ripping people off so poor little poor little dumb lisa guerrero with uh inside edition decides she's going to do a story so she calls us and of course we ignore her because they're doing a hit piece and you don't participate in your own headpiece it's a ruling media and i'm a public figure so why am i going to give you information to do a hit piece on me that's just dumb i'm not so just jump in the creek besides that you're inside addition you're a tabloid and little lisa guerrero i mean everybody kind of knows about her she's kind of a laughingstock she was on monday night football for a whole year uh this is back in the 2000's abc sports dismissed lisa guerrero from her job as sideline reporter on monday night football a position she held for just one season she came to abc from fox sports with limited sports broadcasting experience yeah you think she'll be replaced by michelle tuffola and a lead sideline reporter for abc and espn her freshman season on monday night football was filled with awkward moments and competence mistakes and most notably after the reagan's regular season opening between the jets and the washington redskins a stumbled interview with patrick ramsey she could not improve she was incompetent dumb and they fired her off monday night football so now she's a star reporter on inside edition so she attacks me in the lobby a week and a half ago of the omni in dallas while we're there doing our entree leadership event ambushes you know one of these ambush things where they pop out with the microphone start running along trying to get the comment and all this stuff and i'm walking with one of my team members along and uh he steps between us and she is whacking him with her arm trying to push him out of the way to get to me and now she goes on instagram and says we attacked her and her arm is bruised so lisa we have the omni security footage and we've broken it down frame by frame and sweet girl here's how it works you will not hurt your arm if you don't hit people with it you were not attacked you were the attacker and any of you that have seen the bruises on her forearm these are the bruises of someone that is aggressively attacking someone not someone who is being attacked you don't get a bruise across the whole front of your forearm when you're attacked that's when you're hitting someone that that happens and you go on national television and say dave ramsey's goons beat you up you poor stupid little girl i think maybe the way you hurt your arm is when you got in bed with the timeshare people that might have been when you hurt your arm that's very possible something for you guys to think about out there so this is how this stuff works i hear when you deal with these multi-billion dollar companies multi-billion dollar companies will put failed sideline reporters from inside edition on you and on time share exit team and put dave ramsey up as if he somehow endorsed somebody he shouldn't have endorsed was timeshare exit team perfect absolutely not absolutely not they took on too much business they couldn't return everybody's phone calls they did not do a stellar job and we talked to them about it several times we were trying to work with them and trying to work their way through it but basically they have been hammered now by legal fees and they can no longer you know afford to be on the dave ramsey show to provide the service to get you people out of a timeshare because they're spending all of their bandwidth fighting with these bozos people like david siegel and you know the princess of versailles right oh my god or mikey flasky who just got i don't know how much money from this hilton sale diamond bought by hilton hilton you have a real problem you've just damaged your brand you took on one of the most grotesque brands in all of timeshare one of the most horrendous group of people lack of character anywhere and you made them part of hilton you guys really just screwed up and you gave them 1.4 billion dollars and they screw people left and right every day there's comments all over the internet they the attorney general shuts them down gets an 800 000 fine against them in the city in the state of arizona and we just heard several diamond testimonies here on the air from people who tried to deal with diamond or got screwed by diamond or any of these other things so this is how this works you guys so here's the thing not many people get the opportunity to hit back on pieces of crap in the press when they do a bad job i happen to have a platform that allows me to tell you people what really happened and what the real truth is so inside edition in case you didn't figure it out you suck that puts the dave ramsey show in the books this hour [Music] this is james childs producer of the ramsay show you can listen to all our shows with the ramsay network app on your smartphone browse by topic or even sync clips to your friends download the ramsey network app in your favorite app store today you

Channel: The Ramsey Show

Views: 34,058

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Id: uyfG83_wZg0

Length: 122min 10sec (7330 seconds)

Published: Thu Jun 03 2021