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todays question comes from Alice in Washington she visits Dave Ramsey comm to ask how do I approach my broke roommate about her tardiness in paying her half of the bills directly and often and bluntly we sit down we turn off the television and we have a direct very firm but kind calm conversation this roommate thing is not working its not working because youre not paying your bills on time try every dollar dot-com download it to your its a free budgeting app for your iPhone or your Android roommate and when you put that on there in about ten minutes youll have a budget because you and I are not going to be able to stay here together anymore if you dont start paying on time you are straining our relationship and you are taking advantage of it and I am through with this really Alice youre being too nice and you think by being subtle or being nice that youre really being nice and youre not youre just being passive-aggressive to be unclear is to be unkind darling be very clear yo