From the Ramsey Network this is the Ramsey Show. I'm John Deloney joined by George

Camel and we are taking your calls on money in life and work in relationships, mental health, whatever you got going on in your life.

We're here to help.

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Give us a buzz.

Let's go out to Washington, D.C. and talk to Lucy in the sky with diamonds.

Hey Lucy, what's up?

Hi, thank you so much for taking my call of course what's going on me okay I can hear you great

perfect hey so me and my husband we've been going through the baby steps now for about, gosh, six months.

We're on baby step number three. We're doing a really cool job. We're so excited.

We're about halfway through our emergency savings and you know building it up and just

today we've learned one of our vehicles which is a 2011 Lexus we've had it for six or seven years.

It's been great, we bought it used.

It's got a very expensive repair all of a sudden.

And we are like, gosh, should we pay the $4,300 bill to fix it? Or is it worth it at this point to try to sell it and then go buy another you know cheap car we're just like not sure where

it's a break point you know when should you you know keep preparing a used

car versus switch to another used car?

Well as a general rule if the repair costs are more than the value of the car you should

probably replace the car.

Now that doesn't always ring true because if the repairs a thousand and the car is worth a thousand

thousand you might want to just do the thousand repairs because it's

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