Dave Ramsey Explains Why He Is Okay With Mortgage Debt

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[@marwanabdrabou3381]

I really can’t be the only one who was shocked when he heard “Cortney’s” voice...

[@AAA999XYZ]

It's like Lindsay Graham. I bet it's a regional thing

[@Jon-ko3vv]

I know a guy named cortney

[@tanL22]

If you live under a rock.

[@elizabetha8565]

I've never heard of a man named Cortney.

[@sharonfleshman6961]

I am sure if you go on line you can find lists of names that changed genders or went from unisex to one gender over time. Did you know that Shirley used to be a man's name?

[@stopcensorship7365]

Mortgage debt is ok because it's such an astronomical amount and its an appreciating asset . You have to be reasonable.

[@Globerson]

Astronomical?

[@stopcensorship7365]

@@Globerson it can be

[@NiceOCGuy1981]

It depends, but it's best to have most of it paid. If you don't, then don't mortgage a house.

[@NYCCamper]

@@NiceOCGuy1981 I like to see you try that strategy where i live. A shack will cost 350k.😪

[@NiceOCGuy1981]

@@NYCCamper I totally agree, some houses are ridiculous prices.

[@alsfals1517]

"Why he is okay with mortgage" 1 minute into the video, Dave says "I'm not okay with mortgage, I tolerate it" Whoever did this titling, gj lol

[@nafiibrahimaj8870]

He is amazing

[@UltimatePiccolo]

That means he's ok with it.

[@sethbender2863]

Well it makes sense. He’s ok with mortgage debt publicly. Just not personally

[@enigmathegrayman2953]

I agree NO DEBT is ok, the problem with purchasing a home with cash and this is a BIG problem is that the majority of people ARE taking out loans to purchase a home and what that does is drive up housing prices higher and higher so that as a renter and hopeful homeowner you’ll most likely not be able to keep pace with how much money your able to save vs the very rapid pace at which the home values grow.

[@robertomartinez-martinez5668]

Well said

[@avantiiresha6687]

So true ... I saw prices of apartment went double in only 10 years time in Sydney. There is no way people can save up that much so better to buy it sooner than later , of course sensibly

[@ibealion1]

Price growth is not due to people buying with loans... it might have artificially inflated the prices at one point, but the prices don't just keep going up for the rest of time because you can get a loan for a house. The prices go up and down because of the combination of inflation and supply and demand. And it is hard to keep up with price increases because of those things.

[@robertomartinez-martinez5668]

@@ibealion1 OP establish that and inflation goes without saying

[@michaelwaters221]

This my friend is very false

[@samreagan6292]

A mortgage is a fundamentally different kind of debt than anything else. Because it has equity on day one if you put down a good percentage. Your mortgage interest rate does not jump to 29.9% if you miss a payment, and if you get a fixed rate then you are always going to pay the same amount every month. That does not make it great, it makes it the least bad kind of debt, the most manageable and predictable kind of debt. Would it be better to not have one? Yes. Would it be better to rent for 20 years so you can buy a home when you are 40 and never experience the growth in home value over those 20 years, perpetually pricing you out of the home you want? Only getting higher unpredictable rent costs?

[@KatieBellino]

Exactly and then the added fact that rents have risen to the point that it may be hard to save up for a home's full value while paying rent every month.

[@ThisGuy0186]

If you pay rent on a place at all you may not be borrowing money but you’re paying somebody else is borrowed money you might as well put that towards your own borrowed of money

[@Dante.Taylor]

this was basically my logic when i took out a mortgage on my house.

[@nczioox1116]

Depends on a lot of factors

[@BTrain-is8ch]

Home ownership has a handful of unrecoverable costs. Property taxes, maintenance/upkeep, insurance, the cost of borrowing money/the cost of giving up your cash... Depending on where you are those costs probably add up to something between 5-7%. If you can rent something satisfactory for that 5-7% it doesn't matter that you are "paying someone else's borrowed money" you are ultimately spending less, freeing up resources to invest, which is how people actually become wealthy. No one becomes wealthy by owning their primary residence. If the objective is net worth then the game is minimizing expenses and maximizing investment in high performance (read: not generally real estate) asset classes. Not wanting to pay someone else's mortgage is an emotional decision. If the objective is net worth the decisions are based on math...

[@travi_0182]

@@BTrain-is8ch What?

[@gerrin00]

I agree with BTrain. You cant necessarily say renting is good or bad. You have to figure the math. Is owning a house and paying interest on a mortgage+prop+tax and maintenance any different than paying the rent In an area over a year. Certainly cities it would be worth more to own vs others. Personally there's stress involved in owning and it might not be worth it either

[@luismatilla2]

I almost bought a too big house but finally bought a reasonable one , that I want to pay before 45 years old . Thanks Dave !

[@beastdad350]

Bigger is better

[@xboxman5ify]

@@beastdad350 only if you can afford it

[@justthisguy1948]

@@xboxman5ify nope bigger is better you can find ways to afford them

[@mo1976ney]

@@justthisguy1948 haha, are you lost on this channel? 😂

[@robertbell525]

Typically if you had to save the cash for a house you'd be renting forever then have enough cash to buy a shack in the ghetto. Better to save a decent down payment, by a reasonable house, and pay it off ASAP. Meantime you get to spend your life in a nice home. It's not always about the money.

[@KatieBellino]

Exactly. Cost of rent has risen to the point that you could be renting forever while barely able to save.

[@heathmcconnell3901]

If he's wanting to do this, he might try looking for one of two things: (1) estate sales, or (2) tax or bank foreclosures.

[@gametechchannel]

Dave Ramsey explains why he is suing

[@wk3820]

@Grant Goldberg He might be suing because it's slander.

[@SandraFruitsYou]

Game Tech lol 😆

[@Fitz710]

W K did you even watch Kevin’s video????? Sounds like you didn’t

[@lindseyvelveeta2156]

W K it’s not slander it’s straight facts son

[@joeyjohnson1692]

Hes probably sueing him for slander. Based off of listening to Kevin, it seems like he doesn't like Dave because he actually had to pay for Dave's referrals. Does Kevin work for free? Nope didn't think so, so you shouldn't expect Dave to either. Kevin also made a video about how Dave being wrong about using a 15 year mortgage for rental properties. Obviously he doesn't even listen to Dave Ramsey videos at all because Dave would never recommend financing any rental property at all. That just proves how ignorant Kevin is about Dave. I personally believe he's just a whiny little brat trying to succeed and get views by spreading lies about Dave. And here comes the broke Dave Ramsey haters in 3....2....1

[@daphoosa]

One of the few times renting makes sense is if you can do it for less than the interest component of a reasonable home mortgage. Either throw money away to a landlord or to a bank. A house has the advantage of appreciating over time and giving tax deductions.

[@mecheckraise]

People frequently buy way too much house. Buying a small place or house hacking is better but people just can not control their urges. I am a millionaire now, but If I were 20 I would do things different perhaps. It is funny how things in the rear view is so much clearer.

[@damienodonnell1304]

The majority of people would do things differently if they had their time again, but this only comes about due to life experience.

[@laurenalmeyda6916]

The cheapest places to rent still do not allow regular people to save money to buy a house...if they are saving, it's usually very slow. Even the cheapest places to rent (I'm talking studios!) Are over $1000 a month.

[@kennethhall9202]

Not everyone can pay cash I have no problem with a mortgage. If you pay rent your paying someone. Else’s mortgage usually

[@stefanmariaschneider]

The best is - buy property and rent it out and live yourself for rent. Otherwise, you can't use depreciation and interest payments against your taxes.

[@janinedekoker9405]

I'm sorry but I can't always agree with what Dave ramses says eventhough a lot of his advice has changed my life fr the better. Where I am from you can't rent a dirt cheap place, it'd put you in a dangerous area and you might not survive. So the only option would be to rent in a decent area where even a matchbox is expensive and the rent is more than the mortgage. So I did my calculations and plan on buying a matchbox in an area that's safe as soon as I can get some money saved up. Security is a basic need and I'm willing to go into debt for that.

[@InvestingHustler]

Came here to watch a dave Ramsey video. Instead ended up reading all comments on dave Ramsey suing meet Kevin 🍿

[@marywebb9127]

Maybe after awhile they will get bored and troll some where else.

[@TartarianTopG]

😀🤣🤣🤣🤣

[@lindseyvelveeta2156]

Dave: Dont sue small channels. Either own up to what you’re being called out on or go about your business.

[@lindseyvelveeta2156]

John Smith Meet Kevin

[@ChrisMFlorida]

he's trying to stop the snowball before it starts.. so to speak.

[@michaelb.8953]

So let me get this straight. This caller is completely against all debt including mortgage debt, but is perfectly fine paying rent. I guess everybody looks at money in different ways, but I see rent payments included as debt payments. You have a fixed amount of money that you need to pay your landlord every year and you just pay that in 12 monthly installments so effectively your paying a debt to the landlord in installments then when the installments are done it all resets again for the next year. The only difference is your paying a person instead of a bank. I love when people say they are completely debt free, but are living in rent. Rent is debt you will NEVER pay off.

[@SH-py7qj]

Since one do you pay interest on rent? Rent is just paying for a service,.

[@blackworldtraveler3711]

marmitecake At least he has the option to leave the rental and live in his car if he wants like I did. I had no debt at all so I was fine living in my van on less than 1/3 of the rent I was paying. Always got to have a plan.

[@jcrowley1985]

Additionally, a mortgage is not really debt if you think about it but rather a forced savings account. You pay your mortgage down or "deposit" equity that you can later "withdrawal" if you need to. Rent is gone forever once you pay it.

[@blackworldtraveler3711]

C B They didn't have a good plan. Anyway you do what you got to do.

[@SH-py7qj]

C B rent goes up because of inflation and other things (repairs/renovations etc). You are not borrowing money to rent a house, you sign a contract to live in it for a specified time at a specific amount, and rent doesn’t go up within agreement only after if you agree to live there outside of the lease. A mortgage is a loan where the bank allows for conditional agreement for you to own the property with a set interest rate and time frame. Your payment on the interest can decrease when you pay more into the principal. You can’t do that with rent because it isn’t a loan and there is no interest.

[@aileencrane7700]

Yup! Paying as cheap of a rental as I can right now to pay for a lot (not all, I’ll admit it) of my house in about 3 years. And then the plan is to pay off the conventional 30 year mortgage in 10 years.

[@patwhite8106]

It's acceptable because your monthly payment is an investment to own a home instead of giving it away to a landlord. A house payment is also cheaper

[@robertoramos8257]

Not in my area I rent a house for 650. Saving to buy a 150k house to rent out eventually

[@NYCCamper]

@@robertoramos8257 Wow, where do you live? You can't even rent a room for under $800 where i live.🤣

[@robertoramos8257]

@@NYCCamper Albuquerque new mexico population like 700k it's a small house probably like 1000sq ft

[@PersonOfBook]

Mortgages are what drive the prices of properties higher in the first place.

[@TomekinaOfa]

You are awesome Dave

[@RainbowRising76]

A good way to think is: When you are renting you are also renting the price. That means the rent will go up every year.When you are buying you are buying the price. The price will be fairly stable over long term.

[@justliketree27]

So would it make sense to buy a condo or should I wait?

[@RainbowRising76]

@@justliketree27 Buy it. But don't get to much condo so your standard of living goes down . Just like any purchase.

[@justliketree27]

@@RainbowRising76 Thank you for the wisdom, looking forward into it.

[@00Noontide]

High spirits! I have faith in the kid.

[@CJ-wc6lf]

I would be suing if I was sued like him. He has to defend himself while he is trying to help Americans live away from the corrupt banks. He has helped me and I say sue on, and do not get on his bad side, because he can play that game too. He has a lot of employees to pay with Obamacare, and he deserves to be rich for his family, and his hard working self. He is a very giving man. All you have to do is see how he tips at a restaurant. He is the gift that keeps on giving, even after I have listened to him for years, and have been debt free for years.

[@CJ-wc6lf]

@@matthewkoch6937 I disagree. I became debt free and it was with hard work. Hard workers that work hard so their families have what they need, and maybe what they want is deserved. This comes at a sacrifice to time spent with family, but still usually find time with family. The Bible says a man that doesn't work doesn't eat. I truthfully would rather spend that money on my family. Someone who has a situation where they are unable need help, but you have more people abusing the system and others that don't deserve because they are lazy. Therefore, I tend to not give to those in legitimate need because I don't know due to beggars deception.

[@odium3691]

If you have the disaplin to save for a house while renting something cheap. You have the disaplin to manage a mortgage and let that rent money pay down your mortgage.

[@dylansaunders8320]

Discipline*

[@Mexicobeanpole]

Absolutely.

[@slimshake2835]

Some people are disaplined to learn how to spell as well

[@sudakara2388]

Can an Auto Accident Law suit affect the Mortgage Application at closing ? Very small accident but the law suit is for personal injury after 1.11 years after accident . And the Insurance coverage is just state minimum

[@deander7653]

What ever happened?

[@brianhood8827]

Question should I pay my mortgage bi-weekly Vs every 30 days ?

[@Matzes]

I would need to rent 30 years to save for a house. At that point, what's the point of buying a house

[@robioavion]

The comment section is a total disaster. You might as well disable comments from now on. Every comment is in regards to this Meet Kevin

[@bartvanriel6767]

But that's the question on everyone's mind

[@Ratkill9000]

So it's been over two years, where has this gone to?

[@bartvanriel6767]

Baby step 8: sue Meet Kevin

[@jvolstad]

When buying a house, keep in mind that Realtor's speak with a forked tongue. Business debt is different from personal debt.

[@stefanmariaschneider]

I don't get the whole system. Why is it not smart to use mortgage debt? I bought two apartments that for the past ten years I've been able to rent out for more than my rates. Also, living in your own property is stupid for your taxes.

[@elialonsos1549]

How can I get ahold of Dave

[@oldtwinsna8347]

Most folks without an inheritance or high paying job simply cannot afford to buy in cash. To save up would require you to be quite near the end of your career at which time the majority will have seen the best years of their kids have long passed by. That to me is very sad to only buy a home when you're sixty, after having rented your whole life hopping from one home to another with no stability.

[@russellpottenger8584]

I understand the spirit of Dave’s advice, but in SoCal housing is going up faster than I ever could save. My strategy is I’m going to sell one of my houses to pay off the other three

[@denversupermarket7484]

Dave is suing meet kevin

[@deeznuts4747]

What’s up Mitch love you

[@cncgaming3457]

Oh REALLY? Shocker! Old man. Loser

[@denversupermarket7484]

CnC Gaming wut

[@motoryzen]

No LAMPO might be. . It's a Cease and Desist letter at the moment. That doesn't automatically = a lawsuit. Learn the facts first.

[@motoryzen]

@Grant Goldberg (facepalm). The only thing that has been exposed is this fruity acting and sounding guy Kevin who has some sort of problem with people who WORK for a living and spout common sense about how to become debt free and live a solid life. Grow up kid.

[@shebakali6]

getting sick of trolls hijacking the comments section to bash Dave Ramsey over some lawsuit. if Dave is suing Kevin for libel then maybe he cannot legally discuss this issue. Stop bitching and whining, trolls

[@billybat5790]

"at the speed of suing"

[@jhonatanmogollon2453]

You dont borrow money cause you make millions, the average American doesn't unfortunately we have to borrow

[@julied915]

He may as well buy now and pay down is principle🤔

[@KatieBellino]

That's always been my thought. If I'm going to throw money at a landlord, I might as well throw the same money onto my own house payment.

[@robw7856]

I agree, where I live the cost to rent a house is basically the same as the mortgage payment would be. Might as well own it and at least put a dent in the principle

[@miketheyunggod2534]

He’s OK because he has it. That’s the reason.

[@vicepresidentmikepence889]

I find it absolutely bizarre that Ramsey accepts mortgage debt, but not debt for an education.

[@iFkNxLegend]

C B How is a debt for a house more tangible than debt for a car? You’re buying a liability with both of them (unless you’re renting out the house or using the car for work). At least with education you’re investing in yourself

[@Fitz710]

C B no. People just go to expensive private schools that are over priced. I go to a state school, I pay 8k a semester. I went to community college for the first 2 years. I’ll end up with 16k debt when I’m done, since I’ve been paying off my state school loans. I paid for community college out of pocket. You can get any type of degree you want for a decent price, you jus have to be frugal.

[@Fitz710]

C B my point is that if students in high school are taught this concept, there would be less debt. Guidance counselors at my school didn’t say community college was an option, they didn’t tell me about the cost difference between public vs private university. These things need to be taught in high school.

[@fleurelise997]

Debt for education is so unnecessary. It's insane to read about people owing half a mil for degrees that don't put them directly into jobs that pay as much as they spent. How is debt for a degree supposed to make sense?

[@ngugi7279]

Follow the money

[@JwiseTheRealist]

Do not buy a house in cash ... its better to use that money to take out multiple mortgages

[@supersmart671]

Dave I thought all debt was bad

[@dericanslum1696]

...then you haven't been paying attention...

[@aleksandar5323]

50 million dollars for an office building back in 2018? Damn, no wonder Dave is so angry at home office :D :D

[@davidb8777]

He grudgingly accepts mortgage debt, no more. Get ready to pay it off with "gazelle intensity" should the opportunity arise.

[@ThomasBomb45]

Doesn't even explain why he 'tolerates' it

[@HHHPedigrees]

Because every payment is getting closer to the house being yours. And houses appreciate in value as opposed to cars.

[@ThomasBomb45]

@@HHHPedigrees Small nitpick: land appreciates in value, not houses. Houses need to be repaired

[@ps-yk8su]

@@HHHPedigrees Thanks Dave

[@PersonOfBook]

​@@HHHPedigrees Not necessarily.

[@HHHPedigrees]

@@PersonOfBook Cars are guaranteed to lose 50% of its value in 3-4 years. Do houses lose 50% of value in 3-4 years?

[@Leanflare]

Mortgages are the most selfish and evil type of capitalist exploitation.

[@JohnBehring]

Wow no way..Dave caved....

[@urbanlumberjack]

Disappointed you are threatening a KZbinr instead of addressing why he is wrong. I am a long time listener since my parents did your program 15 years ago. I heard you speak when you were still doing small church audiences. I was disappointed to hear that the ELP program is flawed, and I feel it greatly damaged your brand. Please respond so that faith can be restored.

[@joshuagarner1654]

Why should he address it?

[@beautifulmess2023]

He doesn’t owe anyone an explanation-get off the high horse

[@oldcottonblossom]

There is good debt and bad debt.

[@marielyspaduasoto3274]

He looks worried.

[@carlosgutierrez2789]

And has such a punchable face

[@N1mro8]

Just like MeetKevin?

[@TheMahonj]

I too would like to hear the defense of the lawsuit. If Kevin is lying, please show us!

[@recorder12]

Come on Dave I know you’re seeing these comments, address the elephant in the room.

[@KingEurope1]

Dave Ramsey explains he's okay with mortgage debt: because his biggest sponsors are mortgage brokers and lenders.

[@trh917]

I knew Dave was full of it after he talked about his consistent 12% returns with his mutual fund

[@12schnsaint]

I own a house in resort and it's a rental property I have a loan on that I'm paying off and the house is doing well. I have been thinking about building another house but would need a loan. Its in the same property for rental. Would it be wise to do this? I'm postive this house will also make more then the mortgage too. Would this be a good idea??

[@Freddytacvbito]

I'm confused about the whole showing situation what's going on what did I miss??

[@jhonatanmogollon2453]

We cant all write books

[@markg999]

Goodness this comment section is a mess. Ramsey walked into a big PR mess with that one. They wont sue it would be stupid and it would open his whole operation in discovery portion of a trial.

[@sorsorsor11]

Yeah, but some people would never ever ever ever ever have a house without mortgage and they would actually lose money if they wait. Think about it. If you are low-income and paying rent for 5 years, that can be 3-40.000$ rent in a few years. Why? Just take out a mortgage and pay the interest. Inflation will make your money under your pillow wort less anyway. And you can start living in your home. Paying rent does not always make sence.

[@michaelborjas8059]

Dave you owe everyone an explanation about Meet Kevin

[@kkknotcool]

Not really. Dave is arguing slander and Kevin is arguing free speech. It's not really anyone's business but those two and a judge.

[@adrianalanbennett]

In my personal experience it has paid to have a mortgage.

[@alanaaga3890]

How come?

[@ransom182]

Cause he LOVES the ELP membership fees!

[@MandalaBunnyhome]

Because he arbitrarily decided that this kind of debt is ok

[@KatieBellino]

It's not really arbitrary. Often house and apartments leave you paying about the same amount every month (sometimes, the house is cheaper per month). If you are trying to save to buy a house outright while paying a landlord every month, it can be nearly impossible to save up to buy a house outright. You might be saving for 15-30 years while living in an apartment, so there is a valid argument that you might as well start living in your own place now.

[@brettf2]

Did you even listen to the video before posting? The title is misleading. Dave says he's not ok with mortgage debt, he tolerates it.

[@sagatuppercut2960]

Dave made his living from selling houses, so I can see why he tolerates mortgages.

[@PersonOfBook]

Yes, what an idiot. Mortgage is among the worst kind of debts.

[@stoopidvideo]

Pretty Sad suing smaller channels..

[@JoseRamirez-yd2gz]

Hey, do you think it’s okay to use investment apps like acorns or stash?

[@deeznuts4747]

KustomLoky 23 no

[@ragnarok67]

A guy named Cortney?

[@fatimazamba4613]

Courtney is more feminine 😂

[@carlos.z6207]

@meetkevin speaks the truth. Unsubscribe

[@asxnkmb]

Dave, do you tolerate anyone pointing out your flaws?

[@mzenk17]

Suing Meet Kevin = bad idea

[@mikekeenanphd]

Did I miss Dave explaining something? Because I didn't hear him explain anything. He didn't even say he was Okay with mortgage debt. Who write the title to this video?

[@beautifulmess2023]

mikekeenanphd maybe rewatch it then! It’s literally in the beginning goof

[@bobdickweed]

Dave Ramsey Explains Why He Is Okay With suing meet Kevin

[@carlton2361]

Mmmmm idk

[@deeznuts4747]

Don’t sue Kevin you slimeball!!!

[@affiliatewatch]

Okay with mortage debt and lawsuits I see. Youve been e x posed in one of my atest vids.

[@elmagnificodep]

Affiliate Watch Your average video is like 30 views unless you put you’re giving away free stuff in the title. You’ve made around 100 videos and you’re still this unsuccessful? It’s time to move to a new venture.

[@affiliatewatch]

elmagnificodep I have 100k subs

[@samanthaaldridge2082]

@@affiliatewatch if by 100k you mean 218

[@elmagnificodep]

Affiliate Watch You don’t even have 300 subs at the time of this comment.

[@Neo-yi7uv]

Frist.

[@benihanasucks2349]

Awful advice

[@terriesmith8219]

Did Meet Kevin called into the show yet??? And what advice did Dave give him regarding being sued by Dave???

[@xaviergalaxy3]

Millennials, stop commenting about meet kevin. If he was man enough to say it's a scam, then he has to take the heat from the law suit. Btw, dave doesn't need to make a video explaining the situation. If you don't like it, simple, don't watch his videos

[@xaviergalaxy3]

@@90gdv Que??? Btw *pasó

[@marywebb9127]

It's more like generation Z

[@Ethiodawg]

Thank you. Why are they even here? Bunch of idiots

[@brandonzuniga6236]

I’m going to boycott the Dave Ramsey show..............oh wait I’m still 20,000 dollars in debt.

[@scilens1049]

I could pay 1500€ monthly to my landlord just to live "somewhere".. and save up 1500 extra for a potential home. OR - pay/invest1500€ into my property / mortgage and thus SKIP years of paying some Landlord.

[@TheNurseSpot]

Another trash take

[@Fitz710]

Looks like Ramsey is trying to pull a trump and just blatantly ignore the criticism until it goes away.

[@shebakali6]

Tom Fizzano as if Obama didn’t have any scandals in his presidency, you leftard anowflake

[@Fitz710]

shebakali6 hahaha triggered

[@user-fz3sz2dj4r]

Dave SCAMsey

[@luisrobles5906]

Dave Ramsey. I can't believe you want to sue Meet Kevin. I held you to higher standards.

[@mister-br9ou]

MEET KEVIN

[@MrDpms2010]

im here because meet kevin

[@reisreis5731]

Dave, you're content and message is outdated... especially since you don't practice what you preach. You sir are the ultimate scam artist.... hit rock bottom, started helping people and once you gained their trust you turned on them.

[@Bryan-wb7te]

Reis Reis your*

[@alanaaga3890]

How doesn't he doesn't practice what he teaches?

[@The_Diesel733]

Dave Ramsey is such a con artist.

[@Maliksamuels33]

Hey Dave, you need to address the meet Kevin situation. The hypocrisy you are displaying is unreal.

[@matyasfegyver2898]

Not bad Dave 50 million

[@UPBoxedLLC]

Dave Ramsey you are quickly losing support over this Meet Kevin issue. Rescind your order, fix your processes and show some integrity. Showing some humility and honesty is your best fix here.