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Live from the headquarters of Ramsey Solutions, broadcasting from the pods, moving and storage studios.

It's the Ramsey show where we help people build wealth, do work that they love and create actual amazing relationships.

Thank you for joining us America Ken Coleman, Ramsey personality number one best-selling author of the book Paycheck to Purpose and Host of the Ken Coleman show.

Talking about your job, your career, how you make money and finding work you love and then you make more money than you've made in your life.

He's my co-host today, so if you want to talk about any of that, you jump in and we will.

Phone numbers, triple eight, eight two five, five two two five, that's triple eight, eight two five, five two two five.

Robert is with us in Alberta, Canada. Hi, Robert, how are you?

Doing well, how about yourself? Better than I deserve, what's up?

All right, I'm looking to buy my first house with my wife. We have about 150,000 saved and my in-laws are being generous and lending us about 100,000 help with the down payment.

That's enough for us to get a decent town home in our area and that way we would only owe family.

But at that payback rate they want with my in-laws. We have room for about a hundred thousand dollar mortgage while staying below your recommended 25% limit.

We're wondering if it's a good idea to take the mortgage if as a result we might stay in the home longer.

I'm just trying to talk myself into death.

Well, it sounds like all of these decisions are made except the last ones. I'm not sure how much I'll be able to influence this.

Because you all aren't going to like my answer. I would recommend you don't take out alone with your in-laws.

Oh, really?

Yeah. The borrower is slave to the lender and when you owe your father-in-law money Thanksgiving dinner tastes different.

All right.

This is how families end up not speaking to each other.

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