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Live from the headquarters of Ramsey Solutions, broadcasting from the pods, moving in storage studios, it's the Ramsey Shops.

Where we help people, build wealth, do work that they love, and create actual amazing relationships.

Open phones this hour, George Campbell, Ramsey Personality, co-host of Smart Money Happy Hour with the one and only Rachel Cruz on the Ramsey Networks, and the new George Campbell YouTube channel.

My favorite part is the snark. You don't want to miss it. Check them all out. The phone number here is AAA8255225.

Denyella is with us in Alba, Kirkki, in New Mexico. Hi, Denyella, how are you?

Hi, good. Great to be here.

Cool. How can we help?

I'm currently out of honey, but I do not want an HOA because I want backyard chicken. However, in my price range, I can't really find anything that I like.

I want to put 20% down, but I just want to know if I'm being too picky, and how do I know if I have unrealistic expectations?

First thing that comes to mind is with an HOA, there's a bunch of clocks, but that doesn't matter.

I knew there was a pun in here, so there had to be something in here. I'm with you. I'm not a fan of HOAs, although I am in a few of them.

Lord Jesus, pray for me, help me.

And yeah, I don't blame you. I'm not sure I want to buy a house based on chickens, but...

What's the heart behind the chicken ownership?

Well, most of it is yes, I don't want an HOA, and also I just want chickens have their own AIDS.

Eventually, you know, many homestead sort of thing.

Yeah, so you actually look for...

If you're looking for a small piece of ground and not in a neighborhood, more than the HOA issue.

Because I mean, you're not going to homestead and have multiple farm animals in a suburban situation, even if there is no HOA.

They have stuff called codes usually.

Possibly, I just know that New Mexico is pretty lenient on that.

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