The Ramsey Show - App - Are We Ready To Buy a House? (Hour 3)

Episode Date: July 22, 2021

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5, 4, 3, 2, 1, GO! Live from the headquarters of Ramsey Solutions, broadcasting from the Dollar Car Rental Studios, it's the Ramsey Show. Where debt is dumb, cash is king. A paid-off home mortgage has taken the place of the BMW as the status symbol of choice. I'm Dave Ramsey, your host, Ken Coleman, Ramsey Personality, number one best-selling author of the book The Proximity Principle,

is my co-host today as we answer your questions about career, about money, about life, and about life. It's a free call. Some say the advice is worth what you pay for it. The phone number is 888-825-5225. Lee's with us in Cleveland, Ohio. Hi, Lee. How are you? Hi, Dave. I'm well. How are you? Better than I deserve. What's up? Okay, so we recently relocated from Florida to Ohio, and we sold our home in Florida, and we thought we'd be able to buy our house in Cleveland for cash. But with this market, that's proving to be very difficult.

We have about $350,000 to $400,000 to spend cash. But should we rent for a year and hope the market at least calms or should we get a small mortgage? Neither one is in the dumb column. Yes. It's just a matter of what. For me personally, once I made the decision to never be in debt, it would be very hard for me emotionally to take out a mortgage again.

But mathematically, it wouldn't be that big a deal for you. Yeah, and that's what we're thinking. Like, we've worked really hard. We're debt-free, fully funded emergency fund, have about a million dollars in investments. We're young 40. So I just... The million dollars that's in investments,

is it all in retirement? It's all retirement, yeah. So we can't touch it. And you said you're 40? 42, actually. 42, and you're everyday millionaires. Way to go. Thanks, thanks, thanks.

It's been a long road, but I grew up with you, so it was an easy road. Well, we're honored. So you're baby steps millionaires then. Good. Okay, so what's your household income? I'm a stay-at-home mom. I would say about $200 with bonus. And so how much mortgage would you take out if you went ahead and moved on a property now? I mean, honestly, we wanted to stay in a house that's around $350.

But you said you had $350 or $400. Correct, correct. I don't want a monstrosity house, but I want a house that's, like, updated in a good neighborhood. And those are, you know, $600,000, $650,000 right now. And it just, to me, it also seems a little dumb to spend that kind of money. So I'm just struggling with it. Like, in Florida, I expected it. I guess I didn't expect it in Cleveland, Ohio so much. So.

So you'd take out like a $200,000 mortgage? Yeah, yeah, probably somewhere around there. And it would take you like three years to clear that? Probably, yeah. Yeah, okay. Well, that's certainly not the end of the world. It's certainly not going to make you go bankrupt, and it's certainly not going to keep you from building wealth if you choose to go that route. I don't think you're going to see the market calm down $200,000 in 12 months. Right, right. But, I mean, I guess our thought was, you know, maybe we rent and we save for another year, and then we have, you know, $500,000 to spend or something.

And then at least we're not, like, we've put in bids on three homes, and we've been outbid. Like, we're bidding ask, and then they're coming back after that and saying we want another $60,000. And I'm like, I just physically can't do it. Like, it makes me want to vomit. Okay. I'm struggling. Well, so, and the bid on the three homes, what was the prices you bid?

We bid about $350,000. So you have found homes that the asking price on was a home that you would buy? Yes, yes, but we're getting outbid like $50,000. I understand, I understand, I understand. But that's different than saying I have to jump from $350,000 or $400350 or $400 to $600 to buy a house that's updated in Cleveland, Ohio. Those are incongruent conclusions. Yes, yes. You're correct on that.

I think you're getting a little bit into house fever drama mode. Maybe, maybe. Because you kicked up to $600 because you got outbid on a 350 yeah but keep in mind i also have two small children and right now we're living in a hotel so that'll add to the drama mode that'll add to the drama mode that'll cause anybody to go crazy but but um yeah i'll give i'll give you that but i'm going to call you on your lack of logic okay so uh and don't forget dave that if you that if you go for a $600,000 house, you get in the same market. You're going to have that whole back and forth there, too.

Yeah. So what I'm going to do is go rent, but I want an out in the lease. Okay. I want terms of the lease that allow me for X number of dollars to break the lease. And then I want you to keep bidding on $350,000 and $400,000 houses until you actually get one. Okay. And what you have to do in that process is you have to steel yourself, your emotions, you have to put your shields up, and just kind of then be surprised when you actually

get one. You know what i'm saying instead you like got married to these other two and it was a deep disappointment yeah yeah yeah so i was i was on the golf green the other day uh teeing off at the first uh hole and i uh my i looked down at my cell phone and uh an offer i had made that i fully did not expect to go through on a property. I buy real estate. I looked down and I told Sharon, I said, dang, we just bought that house. I said, I never dreamed. It was like a surprise because I figured in this market I was going to get outbid.

I didn't figure I was shocked. And, you know, and so you kind of want to be in that mode where you're like pleasantly surprised that it actually went through. Yes. And meaning that you're not deeply disappointed in, oh, God, the world's coming to an end. I got to go buy $600,000 house because my offer didn't go through. Because you're probably going to continue to see this. Now, I will tell you that the white hot market probably apexed about 30 days ago. It's still hot, still white hot, but not as much as it was 30 days ago.

We're seeing all kinds of indicators coming back. Now, the different markets have different personalities, and certainly different micro markets within markets even have different personalities. So there might be a neighborhood or two where it's still just going cray cray but uh this um the the 17 offers all over asking price by 50 grand are not happening as much today as they were 30 45 days ago most places nashville's hot really hot williamson county where we live outside of nashville really hot but it slowed down a little bit a little bit not not it's not returned to completely normal it's certainly not bargains everywhere nothing like that but uh the the lumber prices have come down building is normalized somewhat and so the frenzy has seems to have peaked in in some areas in most

areas so uh i'll tell you that sometime in the next six months, you're going to find a house you can buy for asking price that you like that's $350 to $400. That's why I want you to have an out in the lease. I love that practical advice. It takes all the pressure off. You've already negotiated up front on the lease. You've got the cash to be able to pay to break the lease. That really takes the pressure off.

Now it becomes a game. Yeah, that's fun. And then you're pleasantly surprised when it actually does work. Yeah. This is the Ramsey Shack. Hey y'all, this is Christy Wright. As a business coach, wife, and mom, I know that running a business can be overwhelming, but it doesn't have to be.

That's why I created the Business Boutique Conference to give you the inspiration and practical steps that you need to chase your version of success. This three-day event will once again be in Nashville on October 14th through the 16th. You can join us in person or you can attend virtually as a member of our live stream audience. We'll be covering topics like marketing. Sales. Social media. Business money management. And so much more.

And joining me will be Dave Ramsey. Anthony O'Neill. Jasmine Starr. Nona Jones. Bianca Olthoff. And more. Don't miss it. Join us in Nashville.

October 14th through the 16th. For the Business Boutique Conference. Text Boutique to 33789 to learn more. Again, text Boutique to 33789 to learn more. This event is brought to you by Christian Healthcare Ministries. Ken Coleman Ramsey personality is my co-host today. Open phones at 888-825-5225. Well, I've heard all the excuses that people have for putting off making a will. I'm busy. It's confusing.

It's a downer. It morbid it's expensive if i do a will i might die that's that's my favorite yeah you're gonna die okay 100 mortality rate in the human race okay we've done detailed research you're gonna die you need a will in fact ramsey solutions research team found that 74 of parents don't have a will come on guys that's not good it's too important you need a will to protect your family stop putting it off get it done start with our free will preparation checklist. This guide helps you think through the seven important areas like naming of guardians, beneficiaries, plus all the little things you hadn't thought of. And once you've gone over the checklist, setting up your actual will will only take you about 10 or 15 minutes. Get the guide, the free will preparation checklist, by texting WILL to 33- 33 789 and you can start the morbid

uncomfortable conversation text will to 33 789 give your family peace of mind by getting yourself a will mine's so stinking detailed ken we have a meeting once a year to go over all the estate plan with the family and the leadership team here i I call it the Monty Python meeting because we all discuss Dave's death. And I always go, I'm feeling much better. Yeah. It's just a flesh wound. I don't know how you do that. When you tell us that, it's kind of, that has to be weird.

It's creepy as crud. Do you like multiple times in the meeting remind everybody that you're still in the room? Other people do because it's awkward for them. So like Mark Floyd, our CFO, goes, I don't like talking about this. and he says this every year for eight years now i don't like talking about you dying and you dying in front of you and i'm like well you're gonna talk about me behind my back about dying i mean come on what is the deal it's it's funny but uh it's uh it's and in it is a matter of diligence to get these things in place because if you don't it costs your family so much heartache yeah brandon is with us brandon's in tampa florida hey brandon how are you hey doug how you doing better than i deserve

what's up uh so i am contemplating switching jobs and i wanted to give you a little detail and see if you can help me to make an informed decision okay Okay. So I've worked for the same company for 15 years. I love my company. And I think what I like best about my job is I work from home. I have really flexible hours. So one of my kids has special needs. If he's meeting with a therapist, I can take a quick break from work and I can meet with a therapist too. Or if they have a function going on at school, I can meet them at school, and I'm home every night for dinner, and then I can log back into work if I need to after they're dead. So it kind of lets me be super dad while, you know, my kids still like me, you know, until they become teenagers, right?

Okay. So why are you leaving Nirvana? So unless I move to another city, they won't let me apply for other jobs, and they're going to lay me off in the next three months to three years. Oh, okay. So this is ending. Nirvana's ending. You got kicked out of the garden.

Okay. I will. It's just kind of when do I kind of. Nirvana's ending. You got kicked out of the garden. Okay. I will. It's just kind of when do I pull off the Band-Aid. Right. So I found another job that would actually pay me more, and it would have a lot of job security. It would be a great job.

But it's probably a two to two-and-a-half-hour commute a day. Whoa. And it would be a lot of hours, and I wouldn't be home or able to do any of the stuff with my kids. That's not super appealing to me. You'd have to move is what you have to do. I'm not willing to move. We're not doing a two-and-a-half-hour commute. That's just asinine.

You would last more than three months. Your heart's already telling you that's a bad idea. That's just your brain because you've got a little bit of fear and a little bit of pressure. So that's not an option, unless you move. And then you said, I'm not willing to move. Why are you not willing to move? My kids are in a great school district. Love my house.

Love my neighborhood. I have a rental on the same street. My in-laws live on the same street. You haven't found the new job yet. Yeah, you've got to keep looking. There's a good list of reasons why we say no to that. So I started looking for that other job that I have in 2018. And I was getting ready to start that job. And then it went on hold during the pandemic. And they're trying to get me to come back now. My wife and I kind of want to just wait until we get laid off. Just so you know, I'm on baby step seven. I have a fully funded emergency fund

and a large chunk of money that's in our checking account because we're getting ready to buy a car. So financially, I'm in good shape where if I got laid off, it wouldn't be the end of the world. But if and when I went to look for another job, it's very likely that I'd take a big pay cut because the technology that I'm working on is very proprietary. So not a lot of other places need it. So I'd have to kind of start at the ground floor.

What's the place two and a half hours away with a raise? Do they have the same technology? They do. It's kind of a government job. So it's not just that it's two and a half hours away. It's that it's a long commute with traffic. I got that part. I'm asking, what was the job? Is it the same technology? It's not, but they're willing to take me because of a security clearance. All right, so what would you say is your type of work? Are you a programmer?

Are you in cybersecurity? Give me a job title so I can have an idea of what we're looking at here. Senior systems engineer. One thing that's kind of funky is my current company, because I can't apply for jobs. They just move me wherever they need me. So right now, I'm not working on technology I would apply to a job for, because I've been doing it since February. Okay. Here's the deal. In Tampa, Florida, a great job market, good size area, the system engineer,

what you have to start doing right now is start finding other different types of opportunities that allow you to take your experience and your skill set. Those are two different things. But I think you've got a wonderful future. You know, the idea of waiting to be laid off, that's just not how I'm wired. But because you're in Baby Step 7 and you've got a whole different perspective on things, I'm not going to say that's not a good idea. You certainly can do it.

It's not. But I don't like it. Okay, good. I don't like it. I think that that is too passive. Brandon, you're in denial. Yeah. You're in denial that this nirvana is going away. It's going away.

And all you have set up are these impossible freaking scenarios that are fatalistic all around you where your life is not going to continue unless you keep this job. That's right. And that's a bunch of bs this you you have a skill set that is totally marketable within 30 minutes of your house and you need to go look for a new position and that what has happened dave those excuses those are all excuses those scenarios become excuses for him because he doesn't want to leave the nirvana because he doesn't want to leave the i'm sorry but nirvana's ending they're kicking you out of that garden of eden yeah you don't get to live there anymore yeah and so it's they've told you and and the Garden of Eden. You don't get to live there anymore. And so they've told you. And the instability of that is eroding you guys.

It's eating at you guys. And that's why you went and considered something two and a half hours. No! You just freaking moved to Orlando. Oh, my God. And you know what? You don't have to trade off being a super dad and being there for your kids if your scenario changes that again is a false choice it's a false

narrative and we do this we create all these reasons why we should sit tight and in this situation he's so marketable the opportunities for him are endless as a systems engineer i mean technology that's the place to be and because he can go just about anywhere yeah you're gonna be fine son you're gonna be fine but the you know i'm just calling you on your stuff here you know you you need to go look for something that's not two and a half hours away and if it's a little bit of a pay cut so what it's um you know and no i'm not gonna sit and wait on this to come hit me in the back of the head we what it's um you know and no i'm not going to sit and wait on this to come hit me in the back of the head we know it's coming and so um you know go land you something and get yourself get yourself a projected future that feels good again you don't have a good feeling about your

projected future nothing in your future that you laid out sounded fun. Nothing did. And that's just not accurate. There's a way to put together a life that you love here again. And so, amen. Appreciate you. Glad you're at Baby Step 7. Proud of you for doing that. It gives you some options,

gives you some comfort. Don't wallow in the comfort. This is The Ramsey Show. MZShout. In the lobby of Ramsey Solutions on the debt-free stage, Isabella is here. Hi, Isabella. How are you? Hi, Dave. I'm doing great. Thank you guys for having me today.

We're honored to have you. Where do you live? Likewise. I live in Los Angeles, California. Bit of a haul over to Nashville. Yes. Welcome. Good to have you.

Thank you. And how much debt have you paid off, Isabella? I paid off $34,473.82. Awesome. How long did this take you? 12 months. 12 months? And your range of income during that time?

It was about 56, and it ended around 60. Cool. Okay. What kind of debt was the $34,000? The majority of my debt was student loans and a little bit of credit card. It was all student loans. What do you do for a living? I'm in real estate now.

I just actually passed my real estate license last month, and so I've been doing real estate for a few months now in California. What were you doing before that for the 56 to 60? Before that, I was actually in international education, and I was doing that for the full year, and I was also doing some part-time jobs as well to supplement my income to be really gazelle intense and focused to pay off the student loans. Good for you.

How old are you? I'm 30. I'm going to be 31 tomorrow. Actually, tomorrow's my birthday. Oh, well, happy birthday. Thank you. Very cool. Thank you.

Okay, so something happened. I mean, your 20s goes away. We're sitting on 30 or so, 29 or 30, and we're looking down, and there's this nagging student loan that won't go away. What happened? What was the breakthrough? Well, it was actually started a few years before that, actually. I was teaching in China, actually, so I was there for about four years. Wow.

And I thought I wanted to go into government work as a foreign service officer and so that's why I went to go get my master's and then I had an internship in Hong Kong and I decided that I really liked what I was doing at the time but I didn't see myself doing it long term. I would rather be focused more on the business side, entrepreneurial side and so I left China and I came back to the States in, I believe it was 2015.

And I really started to get gazelle tense in 2019. Earlier that year, my mother passed away actually, really unexpectedly. And so that was kind of the catalyst for me to really get my affairs in order and really focus on something that I know she would be extremely proud of. And also for me, I was working in education at the time and I was like, how should I have debt over my head when I'm being in this field, I'm coaching students. And so I really wanted to clean up my backyard, essentially. Yeah, yeah, that's powerful. There's something about a friend of mine, a pastor friend of mine, and I were speaking at a funeral a while back, and he made

a comment I've never forgotten. He said, losing someone at a funeral, a birth, either one, are both tuning forks. And you retune your life. Because we all get real introspective when those kinds of things happen. And the loss of your mom does that. And it's just, okay, this life thing is short. I better get it right. For sure, for sure. And so later that year, actually, I started Financial Peace University at a church.

And I brought my sister along with me. And it was funny. She made a comment. She was 21 at the time. And she's like, I'm too young for this. I shouldn't be going to this. And I was just telling her, actually, this is like the perfect time that you should be learning about this so you can grow and invest earlier.

And so I dragged her along with me. And I finished the course at the end of 2019. And then in 2020, in March, that's when I got really focused. And that's when I was beans and rice, rice and beans. I was doing whatever I could to get out of debt. And it was really hard because I went through actually several losses.

I actually was going through a breakup at the time too. So there was a lot of times where it was during the pandemic as well where everything just really seemed really difficult. A lot of stress. Right, a lot of times where it was during the pandemic as well, where everything just really seemed really difficult. A lot of stress. Right, a lot of stress, like loss and stuff. But I always push myself to this season is not going to last forever. And that's when I would always listen to your podcast.

I took a lot of inspiration from other Dead Scream people as well. And listening to your podcast when I would drive to and from work and that would always keep me focused whenever I just didn't want to work so hard or times where I just felt like it was kind of insurmountable listening to you and other people really was something that kept me focused on the path for sure so I want to ask you how did this I mean I love that story. Unbelievable grit. So proud of you. How did that journey, that singular focus on getting out of debt, how did it play into you becoming a real estate professional and kind of scratching that entrepreneurial itch?

Because I'm assuming this was all part of the transition, getting debt-free and moving into real estate. Yes. So my last position, it was a means to an end. So it was a means for me to get out of debt. Once I got out of debt, earlier this year, actually, I was like, I want to get my real estate license. And so it took me six and a half months from when I started to when I passed to actually get it done. So when I paid off my debt, I was able to, I went online and I filled out the questionnaire for Dave Ramsey

to be here to get the debt-free scream. And then after that, I took my real estate exam and I passed. So it was just kind of, everything just kind of happened, like a domino effect. So I love this. Dave, this is day job to dream job. There's nothing wrong with a day job, right? That gets us out of debt, that prepares us while we're getting qualified for the dream job.

Great job. Good for you. And now, have you sold your first house yet? I've sold actually four already. Touchdown. How does that feel? It feels amazing. And I actually had like a mid-year review with one of my mentors at my company.

And he was saying that he's kind of impressed about how quick and I'm learning the ropes. And I told him this is the first time actually I've ever had a job that I felt like matched my personality so well. Yeah, that's great. And it feels great. It's like you make your own schedule. You go in when you want to. You leave when you want to. And your results are reflected on how much effort

and how hard you push yourself. Who'd you bring with you? I brought my sister and my father. All right. They heard me all year long. Biggest cheerleaders in your life, huh? Non-stop talking about it, yes. Your dad, he's over there shaking his head.

He's proud of you. Very well done. Super, super, yeah. Very cool. Good stuff. Good stuff. What do you tell people the key to getting out of debt is? I tell people definitely it's consistency, discipline, and also just a belief in yourself.

Because there's going to be times when it gets really, really hard and you're not going to really have anybody on your side really pushing you because everybody has their own agenda, their own things to do. And so really a firm belief and vision in yourself and your future is what's going to get you through those hard times. Yeah. Way to go, Isabella. You're a rock star. You're a hero. Very, very proud of you. A lot of transition there.

Yes. A lot of change. A lot of stuff going on. A lot of stress. All during a stressful time. Pulled it all off. Yeah. You're an amazing young woman.

Very, very well done. Very well done. Good stuff. All right. We've got a copy of The Legacy Journey for you. That is definitely the next chapter in your story to continue to change your entire legacy now. Very well done. And a copy of the Total Money Makeover book.

You can pass that along to someone when you're talking about Financial Peace University like you drug your 21-year-old sister there a few years ago. So very cool stuff. Good stuff. All right, it's Isabella from Los from los angeles 34 000 paid off in 12 months making 56 to 60 count it down let's hear a debt-free scream three two one i'm debt-free Yeah! Woo-hoo! Yeah! This is how it's done right here.

So I have a prediction for you. All right. She's going to make over $100 in the real estate business her first year. Oh, yes, for sure. She's going to double her income. Yeah, she's going to crush it. And zoom through the baby steps because of it. Just boom, boom, boom, boom, boom, ticking them off. Just crushing crushing yeah she's she's got two out of the way she's relaxed she's not afraid of hard work she's got a a poise yes and a way she carries herself she's gonna do

very very well on the real estate business yeah it's gonna work out very well and but there's something interesting there's a tie there always has been between what you do and what I do, the career and the money, right? That the money being right frees you up to do the career. The career being right, making a lot of money, frees you up to go win with your money. That's right. They bounce back and forth between you. It's a ping pong, and it works together. That's it.

She did it so well. It's the left-right combination. And I just want to tell you, your mom is so proud. I know your dad and your sister are proud, but so is your mama. Incredible fortitude. Amen. This is the Ramsey Show. Thank you. Our scripture of the day, John 14, 27.

Peace I leave with you. My peace I give to you. I do not give to you as the world gives. Do not let your hearts be troubled, and do not be afraid. Russell Parks said, I have learned over the years that when one's mind is made up, this diminishes fear. Very true. Lainey is with us. Lainey is in, what in the world did I do there?

I messed up. Oh, there's Lainey. Hey, Lainey. Welcome to the Ramsey Show. How can Ken and I help? Hi, Dave. Hi, Ken. Bear with with me i have a lot of moving pieces um i'm an occupational therapist i work in the hospital i also have a part-time job in outpatient i'm on baby step two i'm getting married in august and i'm just very burned out on the hospital i I'm living in Asheville.

My lease ends in November. And the plan was for my fiance to get a job first, and I kind of go from there because my job's more flexible. But I got anxious, found a job, got offered the job, and it's going to be an $8,000 pay raise. I'm just, now I'm having second thoughts on, am I cornering my fiance into a place, or should I... Where is the job? Where's the job?

In Greenville, South Carolina. Okay, so you would be moving, and your lease is up in November, and you're getting married when again? August. August. Okay. And so had you guys already decided on Greenville, South Carolina, or this is where the job has come up and now he's got to decide

or you have to decide if that's where we want to go? Help me understand. This is where the job came up. So we have not decided on a location at all. Okay. So if you're having second thoughts, what are his thoughts? I'm assuming since you mentioned him and cornering him, have you guys discussed this and what's his take? Yeah, he isn't super decisive about it. He likes the area, but he does feel like

he wishes that he could find a job first because I could essentially go anywhere where his it might be harder for him to find a job. Okay so you called us which way were you leaning at the start of this call? Oh I'm really really conflicted. I'm really worried that I am making a rash decision like to jump on this job because I'm so burned out at the hospital okay and this job would start in September so it's kind of like a really quick easy out for me yeah I think you have to listen to that uh here but I want to dive in here tell me about the parts that are causing you to feel burned out and another way of asking this is what would you remove if you had a magic wand? What would you pull away from what you're doing right now that's sucking your soul out?

Well, so the biggest piece is the salary is not what I expected when I got the student loans that I did for an occupational therapist. Okay, but that doesn't cause you to burn out. That's not work-related. That's emotion attached to the reality that a lot of people are facing when they get these expensive degrees that they take loans out, and they go, wait a second, I thought I was going to make more. I'm asking you, is there types of things you're doing that are burning you out, or is it just

the emotional disconnect? You're not running to run away from this particular hospital. Why? Why? What's sucking the life out of you? So it has been so many staff cuts. We've been super overworked. Okay, so you're overwhelmed, which I've written about this.

I've got an article on this at KenColeman.com. It's one of the five causes of what I call buildup on the heart. See, burnout is the symptom. If I go to the doctor today, Lainey, with knee pain, I'm not going, I've got knee pain. I want to know what's causing the pain. And so being overwhelmed, drinking from a fire hydrant is what you're identifying here. So let me simplify this.

If we removed all of the stuff that's causing all this stress and just feeling overwhelmed, and I put you in a different place doing occupational therapy, would you be happy in your work? Yeah, I think so. I am made to be an occupational therapist. Boom. All right, hold on, hold on. Pause.

That's huge. That's what you have to realize. You were made to be an occupational therapist. So we're doing the right thing in the wrong place. We have a little quiz. Well, she knows that. She's wanting to leave. I know.

There's no dead gum inside, Coleman. She already told you that. No, but she needs to hear that because she was going to take another job. As an occupational therapist. No, but she needs to hear that because she was going to take another job. As an occupational therapist. No, she was going to take it. She was rushing into something as opposed to saying, I need to stay in occupational therapy. She was going to stay in occupational therapy. Yeah, so the other job is home health.

It's not occupational therapy? It's an occupational therapist. Yeah, I thought you were staying in the career. But I thought I heard her say it was a little bit different than what she's doing now. Did I misunderstand that? Let me back up a second on something that's bothering me in this whole thing. When are you getting married again? August.

Okay. This is July. So when is it your fiancé is going to go get a freaking job? My thoughts exactly yeah i think he needs to get all painter get off the ladder here yeah but you should not take the job in greenville i don't think that's good for the relationship no i think but i think he's got about 30 days or no no whining like by the time you get married he should have his job lined up in the city, and then you go over there and get you an occupational therapy job in that city,

and you're still going to be in there by September. Yes. But him sitting around on his butt until Christmas not figuring this out is not one of the options on the table. Right. You could tell him I said that. Or are you waiting on him like what why do you have to

why does he have to go you're not forcing him he does need to get his button gear but here's the point i'm trying to make laney i dave's having fun with me i get it here's the point you're not burned out from being an occupational therapist you're just burned out in the current environment don't mistake that that's all stay with occupational therapy yeah you're doing the right thing but get out of that environment i agree and i'm i'm with you on this lanny i think you can land that pretty easily and you just have to be selective about the environment wherever he wants but he loses his option on cities if he doesn't take the option by the wedding okay so you think i give him 30 days

he gets to he gets until then to choose cities and choose his little career thing otherwise he'd be following you yeah yeah and i don't want that i i want him to grow in his career i yeah i do too but that means he has to actually go do it. He has to get on the ladder before he can climb. What's he do? What's his field? He's a supervisor in commercial landscaping. Well, you can do that anywhere. I've never heard of a supervisor in landscaping deciding which city he wants to go to. You guys collectively say that.

This is where we want to live. We, he can go do that anywhere as well. And you can go do occupational therapy anywhere. So let's have a meeting tomorrow night and decide where we want to live. And then let's go get a couple jobs there before the wedding. And then you can quit your job, and you'll be out of that hospital by September. And you go do occupational therapy, and he goes and does commercial landscaping landscaping i mean any major metro area has got commercial landscaping believe me anybody's probably got office buildings and apartments and so forth it's just that's the deal

um so i mean there's 73 000 of them within a two mile radius of this place they're over here every day bothering us so um i know that you know it's just possible right i mean can you they want to get this job right this this building yeah there's a lot of landscaping to do around here yeah so you're telling me you're not a fan of the leaf blower right outside of the conference rooms is that what i'm hearing dave i don't know it was like a thing at the old office every time we would start a meeting some guy would go by with a leaf blower about the time we're in the meeting full-on staff right in the middle of meeting so yeah the great news is you can land both of these jobs anywhere you guys want to do laney this is about you all getting aligned on your timing and your motivation

and ambition and both of you being on the same page you're more driven to get out of that hospital and he's not driven enough i'm kicking him in the butt in this call. Yeah. Because he's leaving you on hold. And you on hold is driving you bananas, and you're screaming burnout, burnout, burnout. Yeah. And there's really no burnout because you're gone by September. You can survive until September.

I promise. Yeah. So you got this, kid. Congratulations on your marriage. It's going to be awesome. You're going to have a great new city picked out by the end of the week awesome it's going to be incredible ken good job thank you for having me fun stuff good job in the booth guys i'm dave ramsey your host we'll be back with you before you know it in the meantime remember there's ultimately only one way to financial peace

and that's to walk daily with the prince of peace christ jesus The Prince of Peace, Christ Jesus. Hey guys, this is James, senior producer for The Ramsey Show. Did you know over 18 million people listen to The Ramsey Show every week? And a lot of those people listen on one of our 600 plus radio stations across the country to find a station near you head to the Ramsey show.com.