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

Joy's in Cleveland, Ohio. Hi, Joy, how are you?

Good. How are you? Thank you so much for taking my call today. Sure. What's up?

Okay, I'm 46 years old and about a year

and a half ago, my husband committed suicide. Oh my. Um, I've had a kind of tough, you know,

last year and a half. Yeah, I think. Um, but yeah, and then, and the whole process of it all, you know, he was, we had gotten into

the rental house business and we had, you know, we had acquired, I think it was 15

properties at the time.

And several of them were fixer uppers.

So we were kind of like in a mess.

So when he passed away, I sold

all of them but 10. I kept 10, you know, to manage myself. And five of them are paid off. And the other

five have, you know, small mortgages. I think the total I owe on all five is 275,000. But every month, they bring in $10,000 and $5,000 goes to the mortgage payment.

So, you know, I clear five.

And my question was, do I sell a couple now that the market is up and just pay off my house?

Or do I continue to manage them because I only

have like seven years left before they're all paid off. We had done 15 year loans back, you know,

in the day. So if I keep them and keep making the payments for seven more years, that would be like

a 10,000 a month income, secured income.

Or do I sell three and lower my income to like $7,000 a month but have my mortgage paid?

Is that confusing?

No, it's not confusing at all.

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