Gio's in Miami. Hi, Gio. How are you?

Hey, Dave. How are you doing? Better than we deserve. What's up?

Yeah. All right. So I just had a quick question. So I'm thinking about buying a rental

property with my sister.

But she's made it very clear that she doesn't want a 15 year.

We're kind of on a time limit because my income of this year is going to be like not really that high. And so we're going to be going off on my income of this year is going to be like not really that high.

And so we're going to be going off on my income of last year.

And so I was just wondering if it's going to be a rental and if we're not really going to be

living in it.

And if, you know, we can potentially sell it before the 30-year mark.

This would be, you have three reasons you should not do this deal.

Number one, you're broke.

You don't make enough money to do the deal.

Number two, you're going to be in a partnership with someone you're already in a disagreement with on how to structure the deal.

That's dumb.

Partnerships are dumb. Partnerships with family how to structure the deal. That's dumb. Partnerships are dumb.

Partnerships with family can be really bad idea.

And number three, you shouldn't buy rental property with debt at all.

You should pay cash for it.

So, but you're kind of new to this whole Ramsey thing, so you didn't know any.

I was going to say any of those things.

But one of the sayings we use around here is the only ship that won't sales a partnership.

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