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start budgeting for free today Michael
is with us Michael is in Davenport Iowa
hey Michael welcome to the Ramsey Show
hey how you doing better than I deserve
man what's up good to hear all right so
this basically is just a question on my
wife's spending habits and my saving
habits I'm a hog farmer out here and
right now I currently own three Hog
Farms and and I own one house it's all
paid for I have zero debt to my name 31
years
old and the big question is my wife she
wants to buy another house the problem
with the house that we have now which I
don't have a problem with it I grew up
in it it's too close to our hog sheds so
the smell is a big problem well so we
rent a home in town that's about 5 miles
from the farm to kind of just to pleaser
to get the smell she don't she doesn't
like the smell well the house that we
rent the landlord passed away about 2
months ago and he left in his will that
we you know have rights to buy the house
from his daughter well his daughter
doesn't want to rent she wants to sell
the house to
us I have saved up a lot of money and I
do not want to buy a house I would
rather buy a hog shed now I don't own
the Hogs a comp owns the Hogs they rent
the buildings off of me and I take care
of the
pigs I have saved up
431,000 right now is what I have and I
would rather go another two years and
buy another hog shed to put on the farm
and the hog sheds do two things the
company pays the bill pays the rent on
the first of every month or never a day
late which is good that's why I don't
rent the people Michael how how long you
been married
four years okay all right there's a
buddy of mine comedian has a wonderful
saying happy wife happy
life so far we're there no you're not no
you're not you're a hog farmer that's
gone Hog
Wild all you think about is
Hogs and I love that I think you're a
business guy and you're great at what
you do and you got it dialed in and it
don't bother you and lick your wife
ain't going to stay there brother she
done told you that you need to listen to
her I need to be looking at buying this
house you need to write a
check for this and the house is only
45,000 It's a Wonderful shut up it's
only
$45,000 you can make her happy for
$45,000 and you're buying a $400,000 hog
shed Michael well listen to this woman
doesn't ask for
much and absolutely and to be honest
with you she's she's the one that shows
up when the help doesn't yeah well I
mean she did marry
you yeah knowing knowing that she was
going to live next to a hog shed so I
mean you must be a prized you have kids
Michael she's coming in there she's
she's awesome man look at you wow dude
by the
house I do have uh I have twins that is
three and our oldest daughter is six oh
yeah is she home with them all day yes
yeah yes she works part-time you're
you're a great farmer and a great
businessman you know your numbers inside
and out you you you take care of all the
details I can hear it I've worked with
entrepreneurs for 30 years I can hear
everything about your business acument I
think you're very very good at what you
do you suck at taking care of your wife
you need to buy her a house a lot to
learn you need to buy her a house I know
and Michael I'll say this I feel you're
getting beat up on this call there was a
lot of eyes I saved up this and I did
this and I did this and I did that and
you guys are a team and part of a team
is there's an A and A B it's not just an
A and bring her in she has as much
weight and as much value to the
conversation and what how she wants to
live her life as much as you and it I'm
I'm poking F I'm poking fun at you but
I'm I'm having fun with you but in all
in all truth she's not asking for much
and you you can easily provide what
she's asking for she's not asking to buy
a $4 million
house correct correct she's not asking
you to sell off your hog farm correct
and she's not even asking you to slow
down because the 45,000 is not even
going to slow down you're not going to
build that shed within $445,000 estimate
anyway
probably no a new shed now is the dirt
working everything is about 930,000 yeah
yeah so we got a little while to go
anyway so buy buying this house is not
going to throw your goals off is my
point you're you're on the on your
business goals and um and what I have
figured out in doing this for this
marriage thing for 43 years and doing
this business thing here at Ramsey for
35 of those is that the best thing I can
do is have no drama at home cuz I got
enough of it at
work gotcha
and it makes me more valuable when I'm
at work yes yes and amen I know I'm
convinced one of the reasons that Ramsey
is successful as it is is that your
mother is no drama yeah and doesn't ask
for much and neither does Michael's wife
she doesn't ask for much right and she
would feel valued in what she brings to
the table
too and there's that extension to say
yes like listen to her Michael we were
looking at an investment thing um week
ago and walk through it all and and
she's like I don't care and I said I
know you don't care but we're going to
walk through it MH cuz I want to see if
your eyes roll
M I want to see how I want to see what
you really you really do care but you're
not going to say it so I want I want to
see we'll see if you shift in your seat
I want to watch your body language while
you're looking at this cuz I'm going to
you know and cuz I can tell what she's
thinking then we've been married long
enough so that and there's a about who
can find a virtuous wife for her worth
is far above rubies the heart of her
husband safely trusts her and he will
have no lack of gain proverbs 31 it is a
financial principle if you'd like to
have no lack of gain listen to a
virtuous wife not a Cinderella not a
princess but a virtuous wife and
everybody as you said has a vote and
then we make good decisions together
that's right and now you everyone from
California should move to Iowa and buy a
45,000
house that's unbelievable that's so fun
go go Michael enjoy it you guys will
make it a home it's GNA be great I'm
excited for you guys I love it that's
fabulous good for you good for you and
what a great business guy he really is
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