Live from the headquarters of Ramsay Solutions, broadcasting from a dollar car rental studios. It's that day, Ramsay we're dead is dumb. Cash is gaining in the pay of mortgage has taken the place of the Bmw as those status symbol of assurance, and they were empty. Your host your job able talk about your life in your money joining me today on the show doktor, John Bologna, and I'm looking forward to having John here to answer your questions be part the programme so that question

about your relational, I Q issue things in the family on these tie money very often, and sometimes they dunk you didn't with anxiety or fear, and maybe it's the economy or when things are opening up. I don't know a lot of things going on in other John there's. A lot of things going on things are starting to shift and move in. And stoppin condone it's interesting arm that with economies not reopen in certain areas. The people are facing a whole different, like their fears, coming back, like that, their role that they got the boy. They were safe at home. They felt shaven alma. Now she's people started to come out the caves so to speak. The peoples, people's fears, starting aroused back up again in actually more worried about this fear, because it's gonna weapon, nice people. To one another hard you too close to me, I can't tell, could you gotta mask and I can see if your smiling or for friendly or not so we're gonna have to use our

words like grownups. Until my kids like I cannot stay on your crime. You gotta use your words. What happened IDA Sorgen have to be grown. Ups are about to really be grateful to one another and we'll get through it will get through it absolutely two open phones, you want to talk to Doktor John, he shared and are you hang out, talk about money. Whatever you need to do a eight hundred and eighty eight, eight hundred and twenty five five thousand two hundred and twenty five this hour is shown in California. Haitian welcome that over amnesia guys great to talk to you, you too much that you could coop good question through I had seven kid. I mean here no way I no dad, except in my house, the pension bird realize that, Are. We really be doing more than that,

I'm going to be hearing about two hundred k, not sure what I should be doing. Ok, how old are you I'm forty five and you dont work? I do work, I have a pension, and I didn't understand a pension, No additional! Oh you mean for rich Meyer that ok, yet this man, this guy's retired, with seven kids at forty five, ok, took me not quieter ok. What you're someone come about one thirty, five good for you! Ok Where are you where we would say you are in the baby, steps is make sure

of your merchants she fund fully funded three to six months of expenses as baby step. Three. I suspect you ve already done that correct. Ok, I've always had that other married good, then baby step forward. Is we put pension aside? You put fifteen percent of your income into retirement, that's what we're doing and that's what's not there. Now that needs to be in the budget by Mr Funk. Starting to say, forgets college in May, and we got a big builded clam there and then you find any money after that. I would use it to buy off your home. If I'm in your shoes, I get this two hundred k coming in That's thirty k a kid. Not in the college. Symbols on the boy in the trader, firemen, police, ok from trying to put on trial- care for their right to pay the house in the next two years, sire able to thirty five on it. I've been nice dumping

and you can you get another two hundred on that and knock out that other thirty five, pretty quick and then flow, whatever you needed to do on kids, education's Susan, no wait till I retired paid out and then do they feel entire house payment into putting fifteen percent of your income into retirement. I take your two hundred carry inheritance and throw it at the house that, leaving only three five there and then I would not get very far about very quickly shoes, that's locked out. You are own baby step, seven at that point, which is build wealth and give really give with outrageous generosity but bottom line issues here that point you have heard very five thousand our income to save for retirement and to take care of whatever education. Your seven kids, you, whatever you need to do with that what are we going to save forward, invest for on that, and that gives you the margin in the room to do that, so you ve done a really good job. John, I think he's close to tell us how he get a couple of three more kids and glinting. Double digits is what I think

he's got seven. You might as well not quit. Now. Ok, not really right traces in Idaho. Tracy. How are you Thank you. Your call, for John today, how can we help Huge fan, longtime listener Nagoya background I have, but I thought that three journey in two thousand, a teen four hundred percent debt, breathe that for the mortgage we have three to six months. We have our life insurance place and our will we paid off forty more than eighteen months and live on one income and now- and that's just my income retirement my question today or eighteen year, old man who moved out in time turn out get emotional who moved out in two thousand nineteen. The german live without it, along with our rules, are our goodbye and moral values, structure and his eleven with a family for the past year that pretty much. Let him run a get school had been

hey hey. They teen, even though with a senior Highschool, though as parents. How do we move forward with that? He won't communicate with us return phone call messages we're getting a lot outside influence right now from just people that no US family and worth questioning? Where do we go from here? a small college fund for him, and I am sure that a graduate we have our will and play its end. We ve written a kind of wisdom guidelines. If you want to come back into the family, be a part of our family, though some dates and an ages, He would inherit different amount. You know where the computer parents, where do we go from here, so painfully clear that hurts the situation. We did you step away. June, but though he moved out, you ran away, basically a May mothers, they weaken and we call the cops and- and we brought him home Fourthly, and then in June two thousand eighteen- he left ever came all he did break into our homes twice to get him to you.

Ever had a face to face conversation with us, then June. Regarding any of this, I am in housing, my husband counselling, much much we're gonna on our side. But we now how to move forward, something, copyright and long term, I think, there's a couple of things. You can do right now and then I'd love to hear Dave's wisdom on the long term financial planning. I think you are have to the other kids in a home to we don't he was a yonder. So far we have kids from thirteen it'll be nineteen July. We have kid from thirty two to nineteen unto grandkids deserve relationship with any of his other brothers and sisters. Now is Eve, cut them off. Ok, Dixon in his life, we suspect, could never had that conversation with him. Ok, so it's gonna be given the straight. A student in his junior partner sophomore year straight, a student, his fall semester straight a student with great undertaking

spring of his junior year and he's barely patting it ordinary I'll, tell you what you hold on through the breaker. We come back when you ve taken over time with emotion, Trot answered fifteen seconds for you This will be right back. This is the Dave Ramsey

Everyone knows we're going through challenging times and from what I hear a lot of you have been calling Zander Insurance with questions about your existing life insurance or to see if plans are still available for those who already have a policy you ve got nothing to worry about. There are no limitations related to the virus, so just keep paying your premiums for those of you who haven't dealt with this, I'm not sure what you're waiting for listen rates are still low. Zander make process simple and You have the time right now to deal with this call aid three, five, six, forty to eighty two or Zander, dot com, all right. We're talking with Tracy Dr John Deloney joins me this hour, Ramsey Personality and their eighteen year old, moved out and his living.

Other family and has shut off communication with them. Prettier extreme situation and that's about how far we got the shift in the discussion you bad so Tracy, first and ass, one commander that eleven and that you have your husband in the jailer taken steps to heal yourselves enter target wrapper head around. What's goin on here, so here's a couple, a couple of thought number one, it's gonna be very important for you and your husband to grieve the loss of the picture you had painted for this young man and that's a that's. A high the only thing harder than is actually losing your son and when you grieve, this loss a foundation of this grief is that you and your husband enough to do it together and so Seein separate therapist for separate reasons. That's that's your. Those but you're gonna have to come together either with it with a family, therapist or the pastor that you trust and grief together, because what happens? Is people grieve differently and then

start comparing grief, and then you boy further apart the when you started this kind of stuff can drive a wedge in Amerika. That's right! you have to be hyper intentional about staying plugged in connected with your husband, and that means you're. Gonna have to be great with one another, as you grieve the loss of this and then start too develop a new picture that can be more geared towards the reality that you face thing is, is you can have to let your son, no, that you love him and that he's always can come home, but you're not gonna, get Madame and that you will pay for the early haven't sent October. We haven't of October good enough that's gonna test, your soul, like fuel, things will, when you, when he earns up the couches that he's sleeping on and then he moves on to the next place him next place. Everything in use, gonna, say, go run and rescue, and here here's the issue that parents are saying that they are the same place, that we are the bad huh sure- and I found that happen anyway, so large that any other kind of top she'll take people who write in end. When mice

here comes over. We call anti a logo and anti local comes to the house, and she gives my kids as much gum and twinkies. Is they want man? I love her for a few days right in until at least we have here, cleansing process both both physically and psychologically, and we love it when she comes in she spoils of rotten, but that's not long term. So this is going to have an expiration date on it and the IMF. Thing: is it yellow there when he turns around right, but not not Beck and call and not feeding whatever things he stumbled into an are your husband are connected United in this down? It's a bad deal that you're gonna stay connected and them And here's the thing: there's always a genius is out there. They will tell you things like what John just told you is tough love, no one! Nobody was love is not. Love sometimes has allowed strength to it. To hold someone you now tightly or or

to let them go or whatever it is. It takes a lot of love to do that. So you know what you're going through is very, very difficult and you're the what John said about the two of you being on the same page and not caring, Everybody else, thinks the other stupid family or your relatives were your friends who all opinion and their most really wrong. You just can't you're, not gathering input from the community. At this point you ve gotta go. Line on what you guys believe to be right with the help of a good coach, good counselor, and then lay out some steps to say, ok, the boundaries,

have been violated and for you to return here are the here's. What it's going to look like you're always welcome under these circumstances- and you know, if you break in my house again, I'm gonna put you in jail, ok, you're, not gonna! Do that and if you're gonna come around here, you gonna be respectful abide by our values, and you know I got we're muttering at one time. You might be willing to talk to your mother that way, but no one talks to my wife that way, and so it's a kind of a thing where you to send this is who we are and if you wanna come around here, this is who we are and that's not gonna change.

And we're not gonna, suddenly allow you to smoke partner downstairs, bet bathroom. It is because that makes you happy and the other family allowed, that our values haven't changed, and so this is who we are, and we love you and we miss you dearly and were hurrying because of this, but that that that that now, as far as the money goes again, you guys can do what you want but I think that boundary is current situation. We're not gonna support, which John said in anyway, and I I am going to have a clause. I've closer. My will today that my grandchildren, if they decide to go off the ranch and one of them, is gonna- do cocoa and live on the back of a yacht somewhere with our money? I don't think so. And so we don't have a lot of money, but where, where dislike, we can't we can't we're were the same. We have believed we contribute to his lifestyle. Exactly that's exactly what I don't want to fund

his insanity with money. We're volume alive or when I'm dead? Yeah, because in too much too to come alongside and support. His bad decisions and leaving him in the world as it so taking another will not punitive. Its again is actually an act of love is overdue and doing cocaine and he leaned her a thousand dollars. That means they're gonna die I probably gonna die anyway for doing ok, but there for sure gonna die viewing the moneyed overdose, and so why would I lie the cocaine attic two hundred thousand dollars live. If I love them, that's how we, I wouldn't do what we fell. I mean he's got some guidelines, I don't you want to come back around when you twenty five. If we were to die today I mean our or younger daughters executor. She knows what it says it all and sheathing full, but if he doesn't want even engage with his siblings or his nieces nephews, then by time he's forty feet haven't come around? We basically left it to his kid. You know I'm enough and I dont know people like what love is love. If you love him, it should be equally them

no that's not true. I can't do that right now. Another phenomenon are much an inaccurate statement. That's a toxic bs indictment that that's why that is. Love that is limping ok of supporting and touching the. If I don't, I don't really care about someone. I won't Were there miss behaviour or find? care about my kids, I'm gonna, I'm gonna do the same things for both of them, whether its accurate on one and in hurts the other idea in love loves? I'm gonna. Leave the heroin addicts enough money to kill himself. That's a dumb but statement, not not love. No, it's not so whoever says that it is now or prohibit. From giving me any further advice. You know whoever that is prohibited from giving me you're you're, no longer This conversation with you you're an idiot. That's what a ghostly my mind. I've got people my life that have parts of their life. That is so bizarre that I don't of conversations with them in those subject areas because its

gonna go well, so there's not that region to have this conversation. I'm not gonna talk to you about this is your stupid. You know don't say that, but that's basically a boundary I put up with people in my life. You know I've got some spiritually gone, but man it's just not even a fruitcake and so am I going to engage in that if he wants to you now, but doesn't get to speak in my life because he's off the ranch, I don't ask as you said, is often asked broke people further. There is, money road exactly like also may want. Someone makes a statement is inconsistent with the direction you're taking in that you and your husband believed to be correct. Then you can love them. But I'm not gonna. Have these conversations you. You lost right, you lost your vote in my life on this subject, because you're being an idiot and so that that this idea you're gonna make all those kinds of people happy you're not

but the boundary sire that when it that's the statement of somebody so codependent man that they can't breathe the innate, you know what that's, I think it's a great point you know who doesn't get a vote on in about their feelings and my life much you, kids didn't get a vote because my wife does given her that permission to have a vote on our gonna solve some of these solutions at our house, but I've got a your view and a forty review in a fifty year view of the young man and young woman that we're raising and so on, short term, but a short easy way out so sure sure, we're going along on this. When security, you in your husband, stay connected on this one, and always opportunities where you can connect with your with your son. I'll give you a prediction by the time. Each twenty five should be over his back he's back prodigal Son one at the bottom, found himself in the pigs that and that's it Lord made waffle house for those are great reconciliation meal places well or

are closed right now this is the diver amnesia Switch your cellular service to peer talk, USA and save money. Jasmine from main said, I heard about pure talk, USA from Dave Ramsay Peer Talk, USA is the best cell phone service. I have ever had folks all of pure talk. Usa plans include unlimited talk text and that and no contracts try risk freedom, call pound to fifty say the key words Dave Ramsay and receive fifty percent off your first month, that's pound to four the key word Dave Ramsay.

Our question that comes from blinds dot com, the number one on line retailer of custom window coverings. You get free samples, free shipping and with an open they run every month, you save even more use promo code, Ramsay, Doktor John only joining me on the show today, Doktor John are questions from Kelly and Texas work. Julie and a baby step too, are fully funded emergency VON curious as to how a request military travel card will affect us in baby step three b, radically? One of us do will not have a credit score and the other will have a low credit score from the one open account will make us in L a both for manual underwriting. No, that doesn't make you ineligible for an honorary. You simply explain it

thing about money on writing is its actual human being looking at the situation, the knows what they're doing, and so it now many one running shall mortgages use to be made in nineteen. Seventy eight. When I was eighteen years old- and I got my real state license, you would sell a house and you would take the person to the mortgage company or in those days the savings and loan, and they would sit down with the person. Very they would pull a copy of the crew Bureau report, which would show bills they had paid on time or haven't paid on time. The person could look at that and explain what was happening if there was a bad thing on. They would send a Rio we verification of employment in the mail. Can you imagine that, through the ploy. There wasn't an internet to to. Employer to verify employment, make sure you had a job. They were sent a veto d, a verification of deposit in the mail

your bank to verify that you had money in your savings account to do your down payment. Was called underwriting alone, meaning looking All the facts to ensure but the individual making alone could actually freaking pay the bill that else like common sense to me, it sounds rather slow and primitive, but idea that today, mortgages are made with no verification of employment. No verification of deposits, no verification of anything except looking at one number. If I go score and it's supposed to in capsule, that and it obviously doesn't, and so these ninja loans they're called or made, or that a monkey can make alone if a monkey can identify the numbering big enough number, you get alone. You know at its values that deals

manual underwriting, simply means that a human being is going to actual use common sense and go out would would smart, too low new money and that, instead of luck, the numbers big enough and that's really what it comes down to show. It works really. Its if you go to run a house from an individual person, me, I'm a landlord we actually look at the human beings can only go now holders history of drug use. Here I don't think I want them in the house, know in our there's a there's this or that or whatever you know, you're you're qualifying the people like your hiring him for a job in that kind of thing right, and so they, then you, you get a lot better situation. That way

It requires more thought and more effort, but you get a lot better situation. Barbara is weathers. Barbara is in Florida, high Barbara. How are you doing you? Brokering errand will. Thank you. The real point of view. I am put money and I'm getting ready to pay off the health local areas by it. Have been under three year. Nor have they died and then after they had an appeal for last year: States will capture you know, I am doing right after the great he This year I I made you My legs and moving forward in a cart affability, be groping, fell from it if you're wasting is all just under twenty thousand

the money that is on pay apple timeframe, We believe in shrikes money, We had when he died, and so that would give me, but perhaps we too twenty and junior thirty five thousand dollars in cash the other than us aiming to calculate cd matured in an organised and how much is your mortgage bonds in two thousand and six

ways, mother than object. I got your money yet so, and I know that sat with mutual funds amount, but I'm having in com what your question, so I guess I'm I guess I give my permission that pay the house and then maybe a little and then maybe a little direction at my future different box and I'm right. Ok, It is the first step, or do I also the recurring, ok, look inside the house off and then Likud dive rooms. You don't come on smart vesture and put in your information Donald too smart, vesture approach in your area. I want you to meet with at least two of them an interview them here. Couple rules on investing. Does you need sure? Ok, rule number one never invest in anything. Unless you understand it, you don't, but because your investment brokers, marble

Bro said you dont know because Dave Ramsay Say of John Bologna said you dont, invest in anything. Unless you understand it that rule number one rule number two never work with a financial person that makes you feel slimy or pushed or sole, always work with a financial professional. Will there someone doing your? Will your mortgage, if you're, buying a house with a real estate agent or your big meeting with a smartvestor pro you always meet with on. That has the heart of a teacher, and you will know they have the heart of a teacher. If, after meeting with them, you learned something back to number one now, I'm learning something I don't know about. Mutual funds are, can invest in them, so I have to meet with someone who can teach me about them until I comfortable with my knowledge of them. Then I can invest through that person.

But I'm not investing, because they have a nice office with a big desk in a suit invent I don't know anything about money, but I got me a guy that watches over me. This is the phrase of people who go broke. They lose all their money and they end up with Barney made off. Ok, so you understand it and you will get to a greater understanding when you find someone to teach you instead of sell you and if you those two things over the next six. To a year, you will become an investor rather than a safer, because you need so money invested better than it is, but only after you have increased your your your knowledge of things and John there's a there's, a sense of power that happens in,

any subject of our lives when we're making decisions based on our knowledge rather than someone else's recommendation. Always always I've got it. I've got a team of people in my life that I trust that look when oil went negative. Knoweth have meant and taxes, and I never heard that so called. Does it never had the financial guy and he knew what he said the smartest financial guy known he said I dont know I had to call somebody and when I taught me anytime, very simply and now I know so- yeah there's something about learning it and internalizing it almost all of teach it somebody else, and then you just have peace now, you don't think I'm in the middle and I'm going. Oh, I wonder if my guys doing a good job more me cause you're. Here your your own guy near you, you look, you want to find your refund your guy. Look in America, where you go, that's my guy! That's my girl! That's alone takes care of me right there and in that? Just requires that you slow down a little bit and make it an authority and in its

Hey too, it's ok to meet you dont know! That's that to me is the foundation of wisdom is being able to say. Can you look great? This episode Teresa's. Can you write, doesn't crayon for me. That's something so powerful about this in its way to be we're time you are just learn, I'm sorry if I should, but I still don't get it. Ask questions like a child. Learn Mueller. When you're, posing as when you lose money, closure of the media were on on thin ice,

John Bologna, what matters our answering your questions as well or down today show this is that every measure, hours of next in Georgia, I aureole. How are you hey, I'm done very, very learned today, better than we deserve. What's up people, I called you guys. We can give I'm gonna them really great advice on how to handle them.

But meanwhile also trying to get my bipolar to the partner under control on one of the things that you guys both dejected with TAT I hand over my debit card, my husband and I did that. You said that a series of one always will be important, though my life and not felt like a little way, and it felt though free, unlike just a thought so great. But now my question is: I'm a stay at home with a five year old and how? How do you guys they just I go about like getting groceries, taken him to those black doctors appointment and that that just kind of pops up along the way, but I might need a debit card or potentially cash for First and foremost, I'm high five in New York in Georgia, we're here in Tennessee what to say. I'm proud of you for internet over because I know you have a conversation about it. Had your husband respond, did he smiled ear to ear he

he is on board. Where were excited at its Manta thought for sure here's. Next little win, little wind is to sit down and map out those trips and that's gonna be real, frustrating, especially fuse. If you feel yourself, into a type of man. State or a super low state for for a minute. Those are gonna be hard for you to go back to the to the agreed upon here I go to the store. Here's the day there were gonna, go to the doktor and his future, between things, you you can manage those, and you know it can be as easy as your husband calls the doktor and says: hey here's the number, but there are definite things. What we to do. When we get to get a little wind, we go these challenges for bipolar to keep people on their meds. They feel great, and then they, like I'm good sized I've taken right and you ve probably been down that road too, and so stay on it because now it your brains, go start doing to start saying, but we need

accordingly, the little card we need it in so stay on the plan and when you start feeling itself leaning over a little bit yoga guy in your life. They clearly loves you, he stick and by and go with it go to him. You have good conversation is stay connected. I think, very easy to just the problem debit card is there's no into it. It doesn't have an off button bright, cash cash has an off button, and so- if you shut ok, this is the grocery budget for the week I'm going to the grocery store, even if you did have a certain day if you need a certain day under Johns direction, I'm fine with that, but from a Kashmir. Standpoint, if you shut up we'll, tell me ok, what's it take to buy grocers for wicked your house's aerial. Around a hundred bucks look at show if you had a hundred fifty dollars an awful open across a further novel up, the word food was written whenever you, store. You would know you would do, spend it on that, and even if you can, lately screw that up and blue that out, and behaved, it's only a hundred feet,

It's very limited. Ok, so you still got good boundaries. And the limitations on how much quote damage you can do to yourself, which is what we talked about the other day when you called is to try to them. You you, you were true but up some together here with you, that you don't make yourself at your request. Ok, and so I think the honourable system for that, and even if you pay About the dock in cash or, if you have A certain amount of money lay in around that was just lose money at the house for its a hundred bucks, It's not! The problem here is the thirteen hundred dollar thing. That's the problem. Right, luckily show me, you had a hundred bucks on your food envelope and you gotta too, have two hundred bucks a miscellaneous envelope. Miniature and she is almost eight oh Mamma envelope that you just don't touch even If you screw that whole playing up it doesn't really damage you except you. Just you took a step back on some of your quick wins became some quick losses,

so I think you're fine on their the trick is just not to be carrying around a gun with unlimited AM mountain, which is the stupid debit card. In that case, so yeah give you that again, you ve got guy I'm sure you hold yourself you're sure giving yourself boundaries that you and your husband agree Two on that amount of money and I can be trusted with, much and then the longer I am trustworthy. With that, the more we start moving back to different in our different kind of Norman Martin you ratchet up as you it even more ten years from now. If you ve not Any real problems with your bipolar to any I been you been managing it for ten years. We still what you wouldn't be on this system. You should get better, system should bring you back to enormously over time. As you begin to trust yourself, any

You know- and you re earned trust with him through this, and so now I don't hold If some I called regatta, you haven't done cocaine in a month, that's different! Then I've done cocaine in twenty years in terms of how I would advise them on handling their money. You know it's it's a different thing. Obviously this is different than drug addiction erected, but the metaphor still stands Congratulations have five ghetto, be proud of you and you were here need some help. Call any time love to hear your progress by the way Elizabeth was whether us in Hylas, without you what are you Dave butter them deserve? What's up on Sunday we put an offering for a house that was accepted, and then on Monday, the oil market crashed and my husband to petroleum engineer, and so now here in his company, is not It already wasn't doing very well, though now here others double at risk and though we

an option period for five more days we close in May, and were destroying his eyes showed I had an move forward, we think of his. If he loses his job they'll be within a month or should we wait to no more in go? Pull out of the house? Is the car right contingent upon the qualifying for alone. We have no won't it still in underwriting. But I'm younger you dont quite literally losers job, you don't qualified for the loan and you'd be out of the contract. Correct, correct crack is lousy, lost his job. If he's going to before the closing right now so I mean either ones. Okay, if you here's the thing their houses on every corner and if you if you pull out go, you know, with one oil dead. We're not doing this and you ve got that right. At this stage in the five days, and so you

violate the contract, you know violated immoral promise. You made any walk away, and you should on the sidelines for a month and see how the shuttles out there nothing wrong with that and there's nothing wrong, we're going forward depending on how scared you are about this, what I've done I want you to do- is for him to lose his job three days after the closing right and if you'd, if you go past the five day option period your contract, subject to or contingent upon qualify. Four alone and no longer qualify for the loan if he lost his job right. Yes, ok, so you you can still get out of it between now and the closing after the five day option if he lost his job before the clothes and that's just what you ve got to do. But here's the thing Sunday we get down these. We get on rapid hole on this and we get to think it over. The one house such as the one houses like you know, I'm never going.

Married because a blog that one girl you know and show that there's a house on every corner. And you get in the house, so it is just a stupid house on me There's houses everywhere you know you. If, if that gives you permission to sit on the sidelines than sit on the sidelines and that's what I would look at so I think John. I think I got disconnected from emotional ownership of homes, because I've gotten roasted business and I was in a house on every corner. I mean hundreds of bone, hundreds of pieces of property and of showed lots of properties and been in lots of property for sale, Num Lock. Everywhere, where I'm going through, that my wife and I just went through that. We put an offer on the house and it didn't pass inspection, and so I moved on and she had planted the garden and had already in our kids, gonna player and so in in

I rushed to move on and I didn't honour her grief in that process and so get us it and have a conversation who decided not to pull the trigger on it. We withdrew and now under the next there, but it is You do really get committed emotional later these deals and that's a normal thing in certain people get more committed than others right yeah. I guess there now Mister Doktor John DOE. Only with me on the show today your calls Rabelais eight to five five two to five. This is the very rapidly

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