"No, I Didn't Misunderstand You!"

[Music] brought to you by the every dooll app start budgeting for free today AA is with us A's in Washington DC hi Aya what's up hi Mr Ramsey hey um I was wondering if we should pay off our current mortgage and relocate for a current cheaper mortgage what's making you ask that question wait pay off your current mortgage a or relocate and get a cheaper mortgage what would be cheaper than paid off mortgage um so we bought a house that needed to be fixed up so we fixed it up and now it's we just had a realer come out and tell us what we could list it as my husband was in the military and just got out and his job fell through so it kind of shook us and we just wanted to move somewhere with the proceeds to have a cheap enough mortgage to be covered by my disability okay um so you're not you don't have the opportunity to pay off your mortgage you're talking about moving to a less expensive property because you're scared about his income right why do you think he's not going to get an income um it's not so much that he wouldn't get one we're just um kind of thinking about reprioritizing our time the house that we bought is a historic house so it takes a lot of Maintenance we do a lot of the work ourselves that's a different discussion what do you owe on that house uh 490 490 I already don't like the house I hate that we have spent so much time on it we can get some good money for it and get something I like is a good reasonable move I'm using his lack of a job and a cheaper mortgage as my excuse is not okay okay um you see the difference we're just kind of we're both yeah we're both on the same boat so we're just you know the boat where he doesn't work just that he has more flexibility and we're not much how old is he not right now how old is he we're 25 and 26 okay he needs to get a career darling it's not good for him to not work much I'm not saying he won't work I am saying he needs to get a career where he works okay I'm hearing the code words in your language 100% he's not wanting to work much at all and that's worrying part of it is he got knocked out of the saddle and didn't get the other job and it's he's lost some of his confidence and you're clearly worried cuz you're talking about selling your house and relocating so that you could only live on your disability like you said it with your own words I don't think think that that came out right we he wants to work that's not the issue the issue is is that we want to be more flexible with not having to deal with the house and not having a mortgage that's so high is the mortgage more than 25% of your take-home pay it is now that he's not working but before that was it no it wasn't no it wasn't okay okay so your mortgage amount is not your problem the house if you want to get rid of a house that's a money pit where you work on it all the time I don't blame you I would do that okay but let let's not couch that in he wants more flexibility and when I'm talking about his job your answer is he wants more flexibility it wasn't when I was talking about the house repairs you said that so I didn't I didn't misunderstand you you said it real clearly so what what we need to do let's let's let's parse this out and break it up number one the two of you need to get really good cool strong careers that you're passionate about I will send you a copy of Ken Coleman's book from paycheck to purpose number two it doesn't sound like your mortgage is off me neither and I'm I'm actually wondering number three I would sell a house that's a money pit and I had to screw with it all the time it Dro me nut that's true but I don't know that if it's a money pit that's one thing but I don't know I'd be interested to know more she's in Washington DC where does she plan on relocating where she's going to they may be move into a whole different city too that's possible but yeah which would be less expensive for sure yeah I'm getting rid of The Money Pit but I'm also getting a career yeah they need and probably getting a house about the same price range that in The Money Pit mhm when I make the move that's would be my advice to you guys don't don't mix these things together and create some kind of false narrative that's not really going on okay that's what I heard you saying I think you were saying it whether you wanted to or not