This is the Ramsey Call of the Day, part of the Ramsey Network.

Joining me today is Ramsey personality, Ken Coleman.

Brandon is with us next.

He is in Raleigh, North Carolina.

Hi, Brandon.

How are you?

Not going to lie,

I'm a little nervous. Actually, what goes into my question is that I'm taking my real estate exam come Friday. Good for you. I'm literally in the process of studying for that.

How old are you? I actually have to give you a little, uh, 28. Good for you. That's fun.

I have to, I have to give you a little bit of hard time because you tell people not to book with,

you know, your uncle, your brother-in-law who just got their license a month ago,

and I'm just letting you know you're cutting into my business.

Like, that's who I am.

Now, you ain't even passed a test yet.

We're not worried about you're cutting into your business.

Yeah, that's a fair point. That's a fair point. I'm a little hurt every time you say it.

I'm like, no, my family's going to hear this, and they're not going to call me.

My question actually pertains to that.

I'm moving from having more of like a standard, you know, monthly or, you know,

five-month weekly, I should say, paycheck to now I'm working off commission.

My wife and I are neither particularly disciplined when it comes to budgeting.

It's always an issue for us.

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