The Oh, no. Live from the headquarters of Ramsey Solutions, it's the Ramsey Show, where we help people build wealth, do work that they love and create actual amazing relationships.

Not the fake kind, the real kind.

I'm your host, Jade Warsaw joined by Rachel Cruz

hosted the Rachel Cruz show that you can find on YouTube also Smart Money Happy

Hour love that right also the author of I'm glad for what I have listen the list goes on. Oh Jay it's good to be here with you love it. All right if you want to talk about your life or your money you can give us a call the number number is triple 8 2.5. And we will do exactly that. So let's go straight to the

phone lines where we've got Nicole and San Francisco, California. What's going on,

Nicole?

Hi, Jade. Thanks for taking my call. No problem.

So my question is, I live in a very expensive area.

Half of my take-home check goes to my rent. I work remotely, so it's kind of ridiculous that I'm being here, and I'm thinking about moving to Texas.

I see that the new constructions in Texas,

they have lower interest rates,

like 4.9% interest rates,

whereas the interest rates right now are 7%.

And I'm wondering if that's too good to be true, why are the new construction

interest rates so low and attractive.

And it should be something that I pursue.

I have heard of new construction being able to offer lower rates, I guess they're eating that

cost at some point within the process. I just love that you're looking at your

situation and saying listen it's too expensive for me to live here rather than

continue to struggle. I'm going to embrace new opportunities. So I don't

think it's too good to be true. Does your question go further?

...