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

Today's question comes from Samuel in Georgia.

Yes, so Samuel says we just bought a $330,000 house knowing it needed some updating.

We got quotes for a $200,000 remodel if we did an addition and updated every inch of the house inside and out. We have $180,000 in the bank currently,

but have a family member willing to give us a $50,000 loan interest free. Our income is roughly $6,800 a month. If we budget and

don't spend money on anything on anything outside of bills and groceries, our expenses would

be around $5,000 a month. I don't feel good about spending that much, but just curious what

you guys think about an interest-free loan helping make it a dream home.

What a nice little spin there at the end.

So good.

So good, Samuel.

Oh, Samuel, I want to give you a hug, buddy. Let's hug.

Samuel.

Okay, just short answer, Samuel, no.

Yeah, I don't do.

No.

I mean, like, I understand math.

Mathematically, you're like, oh, there's no interest.

That seems like a good deal.

But when you involve debt period into your life, it changes the equation. And then on top of that,

it's not a bank you're borrowing from some big building. It's a family member, which honestly

feels like, it feels worse. Oh, dude, because every, every dinner, every Sunday afternoon dinner, every

...