The Ramsey Show - App - Career Is a Massive Part of Your Baby Step Process (Hour 2)

Episode Date: August 23, 2019

Ken Coleman, Career   Tools to get you started: Debt Calculator: http://bit.ly/2QIoSPV Insurance Coverage Checkup: http://bit.ly/2BrqEuo Complete Guide to Budgeting: http://bit.ly/2QEyonc Interview Guide: http://bit.ly/2BuGnZE   Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR 

Live from the headquarters of Ramsey Solutions, broadcasting from the Dollar Car Rental Studio, this is the Dave Ramsey Show. It's where America hangs out to have a conversation about your life and your money. Sitting in for Dave Ramsey this hour, I am Ken Coleman, host of the Ken Coleman Show, Ramsey Personality, and author of the best-selling book, The Proximity Principle. And this hour, we're going to have a career-themed hour. It's what we do on the Ken Coleman Show every day here from our Ramsey Studios. We're helping men and women get the clarity on what is it that I was created to do?

And then when I figure that out, how do I get there? What's the clear path? We're helping people get that clarity. We do it two simple ways. We help you look inward. What do you clear path? We're helping people get that clarity. We do it two simple ways. We help you look inward. What do you do best? That's talent. That's skills.

That is a strength. What do you do best? And then we look at what do you love to do most, tasks, functions, roles that make our hearts come alive. We look forward to doing them. When we're in the middle of this work, we get the juice. And then when we're done, we look back on it and we say, this mattered to me. So we look at the intersection of what you do best

and what you love to do most. That's the sweet spot. Within the sweet spot, there are multiple careers, multiple paths, multiple jobs that will give you that significance. So that's what we're discussing. If you're stuck, scared, confused, you're dealing with doubt, fear, come on. This is your hour. 888-825-5225.

888-825-5225. We'll start it off with Lynette. Lynette, how can we help? Hi, Ken. Thank you for taking my call. Sure. I have a resume references question for you. I've been a legal assistant at a small, busy law firm for the past 16 years, and I'm told that I have topped out on the pay scale, so I'm searching for a new job. Since I've been at this firm for so long, anyone I can think of to list as references are

either other attorneys or clients. And in your resume guide, you say it's who you know. And so given that, the two prominent members of the community I can think of to use would be, for example, an assistant attorney general and then someone who is a client. But I don't know if that's really cool to do that considering I'm still at this particular law firm. Right. Well, so what would – do you know for a fact that that would be some sort of problem if you listed them as an endorsement? Because if you're using my Ken Coleman resume guide, we're not looking just to list their name as a reference.

We're looking for them to give you an endorsement statement, correct? Well, yes. So would they be willing to do that? Yes. Well, I have to check with them first, but I wanted to check with you to get your thoughts on... What would be the negative in asking them? Well, as far as the client goes, I would be maybe concerned with a breach of confidentiality. Okay, then don't do that. So there are certain things that you understand about your situation that I don't.

So I would never, ever do anything that would even become close to someone questioning your ethics. So I think that's the easy way. The other one is not a big deal at all that I can see, correct? Well, except that he went to law school with the attorney that I'm currently assisting. Yeah, but that's not a conflict. That's not a client. That's a relationship.

You also have the same relationship. It's like saying that certain people get access to the friends and other people don't. Is the attorney general your friend or not? Well, I would consider him to be, and he would be one who could best attest to my skills and ability. And that's a great endorsement. Are you kidding me? That's a great endorsement. So I think it's a clear yes on the attorney general.

The other one, if it's a client and you feel like there's some sort of conflict of interest, that's fine. But then I would also push you a little bit. Because I think the fact that you're limiting your potential resume endorsements to just those two people, I mean, again, it's who you know in certain law firms, too. So, you know, the question is, do you have mutual connections? So let's say you know the attorney general well, and then the attorney general knows somebody else that actually works in that company or that firm that you want to apply for. Well, see, that's a huge deal, you know?

So that's how this whole deal works. It's not always a one-to-one connection. It could be, you know, a couple degrees of separation. And that's how you do it. And so it's the idea that someone else, so it's somebody in that firm. You have a mutual relationship. If they see that attorney general endorsing you, that's a big deal. Not just because he or she is the Attorney General,

but because they also know them. So you're looking for those endorsers where there's a mutual connection and you're hoping they walk your resume right into the hiring manager and say, hey, this is a sharp person. I've got this on good sources. That's how this works. 888-825-5225 is the number. Let's go to Brandon who's on the line. Brandon, how can I help?

Hey, Ken. Thanks for having me. So my ordeal here is that I'll be moving to the Nashville and the Franklin area next year. That's how I finished my construction project. Currently, I travel around the U.S. Hey, Brandon. Brandon, I'm sorry to interrupt you. Can you move that cell phone or phone closer to your mouth so we can hear you better?

Okay, is this any better? Oh, it's much better. Try to keep it right there, please. Okay, so you're moving to this area. You're moving to Williamson County. Keep going. Oh, yes. So I'll be moving there around June after I end up with my product.

And by that time, I'll have about $40,000 to $30,000. Brandon, you're doing it again. Let's try it one more time. You've got to hold that phone right next to your mouth. Try it again. Okay. So about that time, I'll be at about $20,000 to $30,000 saved up. My question for you is, when should I start looking for a job or should I just go ahead and make the move to that area and just start looking for the ground there?

Okay, well, I think you've got a couple options there. If you didn't quite hear what he said, he's going to be moving this area soon. By the time that he might move, he might have $20,000 to $30,000 saved up. I think that's a good thing should he start looking for something now or wait until he can actually move to look for something. I don't think there's a right or wrong answer. I think there's a better answer. I think the better answer for you, Brandon, is to start looking now. The reason I wrote the proximity principle is because you can shake your relationship tree and work that web of connections anywhere in the country. If you start limiting yourself to the mindset that I can't look for a job in another state because I haven't moved there, then you're missing out on the whole idea of, wait a second, how many people do I know in my area and around the country that I would consider a good friend or an acquaintance.

And reaching out to those people going, hey, listen, do you know anybody that lives in Williamson County? Do you know anybody that lives in Williamson County, Tennessee that is in my field? And you start asking. You start spreading it out. Then you've got your social media. You'd be surprised how people are willing to make a connection. So I would not wait.

Here's the other thing. I'd start taking some paid time off. This is a smart way to use a vacation day to come to Tennessee, make those connections, start meeting people. If nothing else, just drive around. Pay attention. Make a list. Let's create some targets. This is canvassing. This is like being a private investigator. Let's create some targets. This is canvassing.

This is like being a private investigator. Let's look at the area. Let's get a good idea of what we might want to get into. That would be a great way to spend a day. Hey, spend the rest of the hour with us, why don't you? It's the career hour here on the Dave Ramsey Show. Don't move. This is big news, guys.

You need to stop and listen. The Fed decided not to raise interest rates. That means you've got a small window of time before rates rise again. Here's the deal. Most people are paying too much interest on their largest expense, their home. So you're freaking crazy if you don't take 10 minutes to call Churchill Mortgage right now and see if they can save you money before rates rise again. A mortgage through Churchill could save you thousands, or better yet, reduce the time

until you're debt-free. Can you imagine how it would feel to no longer have that payment looming over your head every month? Just go to ChurchillMortgage.com or call 888-LOAN-200. Their team of experts will give you more clarity about your options and more peace knowing you're saving significant money in the long run. Call 888-LOAN-200. That's 888-562-6200 or churchillmortgage.com. Welcome back, America. This is a career-themed hour of The Dave Ramsey Show. Thrilled to have you with us.

I'm Ken Coleman, Ramsey personality, host of The Ken Coleman Show, part of the Ramsey Network, and best-selling author of The Proximity Principle. So we're here to take your questions because your career, your job, is a massive part of your baby steps, right? The income is a massive part of your strategy. And for years and years and years, I've watched Debt Free Screams here, and almost every time you hear Dave walk the Debt Free Screamer through their journey, you will hear them report that they make more money at the end of their debt-free journey as they get ready to make their debt-free scream here in our headquarters.

And the question is, why is that? Because of total focus. And so we get the question all the time, well, can I switch careers? Can I change jobs while I'm in the middle of my baby step process? The answer is absolutely you can't. Now, Dave and I are always going to tell you, we're not just going to jump off of a cliff here and just believe there's a better gig there.

We're going to be strategic about it. And so one of the ways to do that is what I do on the Ken Coleman Show, which is help men and women get that clarity. What is the dream job? What is that unique role that they were created to fill? Because it's not just about doing work. It's about doing work that you were meant to do. This is where the highest level of success comes from.

Because it's not just about dollar signs. It's about significance. And so we believe that you were created to fill a unique role. That means you were needed, and that means you must do it. So we're going to focus on that this hour. Thrilled to have you with us. Jump in, 888-825-5225. 888-825-5225.

We'll go to Arizona where Nick is on the line. Nick, how can I help? Hey, how are you doing? I am living the dream. What's going on? All right. So recently, well, not horribly recently, but I've actually been kind of watching your show,

and my wife has really been a part of watching and listening to it, and I got the proximity print. So I actually saw you over in Mesa, Arizona, and we came by to visit. Oh, great. Yeah, it was really fun. So I'll just dive right into it. I really love Christian apologetics, and I have been studying it for years.

I've been witnessing the people. I've been trying to help them out. And when I studied into your proximity principle, my wife has been telling me and what I've been listening to your show, I started trying to get into around pastors and other apologists who follow the Christian faith and understand what we're doing. And because I want to have that kind of job. I want to be that person that's full time to help people out, to really kind of answer questions, to sympathize with people, to really help them out.

And I've gotten in contact with a few pastors, but it's been very inconsistent. I've emailed, I've sent text messages, I've called them up. I've tried to have times where I can be, okay, where can I go? I even looked over at Grand Canyon University where I'm trying to get into in proximity of these people, and I just didn't know, am I missing something or am I doing something wrong? Maybe there's something I am not seeing, and you seem to have really good advice. So I thought I'd go in your direction.

And so you're reaching out to them to do coffee do lunch so that you can learn more about how uh to be successful figure out what opportunities might be available in your area is that right that's correct do you know these pastors well um not as well as i'd like like i said i've been trying to get to know them better and like hanging out going getting coffee getting lunch, sitting down with them. Right. But your problem is you're telling me that you're not getting responses from other passes that you want to hang out with a little bit. They're not responding. That is correct. Yeah. That's just a simple thing because you don't know them very well.

You know, in order to really make the proximity principle work, it's all about the connections. I write a – there's a whole chapter in the proximity principle that focuses on the web of connections. And I use that phrase because it's a well-known term in the psychology world. But the idea here is you think about a spider web and how a spider actually constructs a web. And you've got the beginning part of the web. So if you draw it out on a paper even a kid can draw a spider web right and it starts with that first circle and then it kind of fans out and you've got all these different webs that are connecting together and it's like a grid and and so if you're on the outside the very outside of the web

and you're trying to reach somebody that you have zero contact with, then it's just like anything else. They don't know you. And so they have limited time. Time is everybody's most valuable commodity. So if they're going to give of their time, and that's what we're talking about, then you need a direct connection to them, not just a, I go to your church or I've been to your church and I'm sending you an email.

I got your text number from somebody. It's got to be a situation where they go, all right, I'm going to do this as a favor, not just for you, but for my friend. So that's what you need to be doing. And I appreciate that. But also, if you love apologetics, before you, you know, this is not just a, I'm going to go sit with a pastor and learn. You also need to be doing your own homework.

You need to be in your own discovery and research on, okay, what are all the different ways that I could use my love of apologetics? Because that's the passion. What are all the ways I can do this? And I think you need to be identifying, is it pastoral work? Is it being a professor? Is it being a public figure teaching on apologetics? Because I'll be really honest with you, those are your three things.

Those are your three areas where you make a living doing that. And so don't just be thinking pastors. I'd also be looking at professors. But don't stop, but you're just going about it the wrong way. It's got to be relationships that you are effectively leveraging to get the audience that you might not normally get. Let's go to Michael who's on the line in Texas.

Michael, how can I help? Hey, how are you doing? I'm living the dream. I hear you, buddy. So I got a question. I've been 14 years in the oil and gas industry, pretty much on the management side, working for a major service company.

And I'm thinking about trying to venture out on my own in the oil and gas industry, on a, you know, more on the pipeline side. Okay. And my question is, you know, being that I'm six ways away from hitting my 20, what's your thoughts on that? You're six weeks away from, say that again? No, six years. Oh, six years. Yeah, away from hitting my 20 year. Okay. And you know, my pension and my retirement and all that. All right. How much is that going to be? Let's just talk about a real number. What would happen if you stuck it out in 20 years? What kicks in for you?

What kicks in for me, I probably have about, you know, upwards of $500K worth of my 401K. Gotcha. If you leave now, have you run the numbers on what that would look like? If I leave now, of course, I'd be around $220K, right? Okay. But I would have to invest about $100K of that into the business. Well, we don't like that. We don't want you touching retirement to invest into this business that you want to run.

You just know that, correct? Okay. Let's be very clear, okay? i'm sitting in dave's chair and i'm telling you right now that's not an option that's not smart that's bad okay so just cash straight up cash yeah yeah here it is i mean this is i don't care what the business is uh you're gonna have to start it on the side and build it up or you're gonna have to wait six more years at which point you've got this nice nest egg, and hopefully you've also saved some additional funds to

be able to start the business. It takes time to step into the dream. And let's just be really honest. The dream is for you to run your own business. Is that right, Michael? That's correct. All right. So is it worth waiting for?

Yeah. Whoa, whoa, whoa? That's correct. All right. So is it worth waiting for? Yeah. Whoa, whoa, whoa. Wait a second. Wait a second. Here's the deal about it. You know, oil and gas is volatile, right? Sure. So it's up and down, right?

Right. So I just don't want to miss out on it. Well, but listen, you can not want to miss out on it, but if you go about it the wrong way and it's volatile, then you're going to be looking back on this going, this was the most boneheaded thing I ever did because I wasn't patient. Let me tell you something. It took me seven years from the moment that I started into broadcasting.

I didn't know anybody, didn't have any training. It took me seven years to get the chance to come work with Dave. Three more years of paying my dues. It was worth it. So when somebody, when I ask you the question, is it worth it? And you go, yeah. I mean, listen, everybody says I'll do what it takes, but very few people go, I'll wait as long as it takes. I would do the homework on this.

Ask yourself every morning, am I willing to wait? And if the answer is yes, then wait. If it's not, then it's not the dream. Don't go after it. Don't move. More of the Career Hour here on The Dave Ramsey Show.

We've been voted one of the best places to work in Nashville 11 times. You want to know how we do it? Well, our team has been using LinkedIn jobs for years to find the best people from all over the country to come and help us change lives. Think about it. LinkedIn has more than 600 million active members. I'm talking about people who come to LinkedIn to make connections, grow their careers, and discover new job opportunities. In fact, 90% of LinkedIn users are open to new opportunities, but not actively scanning job boards.

This means LinkedIn Jobs gives you access to an entirely different demographic. Don't wait. One hire can change the direction of your company. Post a job today at linkedin.com slash Ramsey and get $50 off your first job post. That's linkedin.com slash Ramsey. Terms and conditions apply. Talking about your career this hour on the Dave Ramsey Show,

I'm Ken Coleman, Ramsey personality, host of the Ken Coleman Show on SiriusXM and also now 30 plus stations all around America. KenColeman.com to learn more about what we're doing. And I'll tell you what we're doing. We are simply about helping as many men and women as possible discover their sweet

spot. The intersection of what they do best and what they love to do most. Why? Why do we do that? Because you were created to fill a unique role. That means that you're needed. It also means that you have to do it because there's somebody out there who needs you to be you. Doing work that matters, what we talk about here at the Dave Ramsey Show and at Ramsey Solutions as an entire organization,'s not about just walking around feeling good about ourselves. It's about being good on behalf of others

because that's why we're all here. It's not about us. So that's what we're talking about. If you're stuck, scared, confused, dealing with some confusion, let's give you some clarity. 888-825-5225. 888-825-5225 is the phone number.

We go to Sarah, who is on the line in Texas. Sarah, how can I help? Hi. My question is, thank you for taking my call. Sure. My question is, what is your advice for someone who's stuck? We've been working through Financial Peace University, and it got me thinking about a lot of things.

We got tied up in so much debt early on, and we're at the point where we need to take control back of our money. But career-wise, you do feel stuck. Well, let's just talk about what that looks like for you because it's different for everybody. What is causing you to feel stuck, or what is the reason or multiple reasons for the stuckness? What is it? I do feel like I'm in the healthcare field.

I do love it, but I do medical billing, and it just seems like I like kind of the aspect of what I do, but I want to be able to be out there and help a little bit more. I just feel like it's just repetitive over and over again and nowhere. You know what I mean? I'm not getting anywhere. Well, it sounds to me like you're capped out financially. Is that correct?

Yes. Yeah, so there's no ladder. You don't see a ladder at least. Right. Okay. This is a very key distinction here. So you enjoy the work. Tell me what you enjoy about it. Let's be very specific. I deal with a lot of insurances and I mean, I love the aspect of learning and getting things paid as a company, like just looking at the financial aspect of what's covered, what's not covered. And I used to do where I used to counsel patients and things like that. I do kind of love that aspect of it more, being able to interact with people and doing the billing

part of it. But right now there's no people, it's just me and a screen. Well, good. So now, Sarah, we've got some real clarity right now. What you just revealed to our entire audience is how you actually get unstuck. You need to look for a job, a role where you get that people connection specifically. You're connecting in order to just soothe their anxiety, right? That's what you love. You love going, okay, here's your situation, but it's not the end of the world. I'm going to help you figure this out.

And then when you hear them relax a little bit and begin to trust you and you you feel the physiological change happen over the phone much like i do when i talk to somebody on the radio that's what you that's what gives you the juice yes or no yes okay so we know you're okay with the details we know you like details and learning and solving the problem, doing the research. But it's got to have that, let's just call it, counseling component. And so now you know what to look for. And you know where to look for it because you do know your field. You have a lot of connections in health care.

So if you use my proximity principle, which says in order to do what I want to do, I've got to be around people that are doing it and in places where it is happening. You start thinking about all your relationships and going, I just want to change my location to a role where I get this. And I know what the aspects are. So you're able to figure out where those roles are, who's hiring in those roles, and now you know how to get there. And so start using proximity to connect with other people that can help you identify where those roles are. That's one step. Step number two I want you to take is do your own research. Start looking in your area.

What are all the different roles that are very similar to what I'm doing now? And let me find out, do they have that component where I've got the customer service element? That's really what it is. It's not just go do research. There's some customer service involved specifically in talking to them. And let me tell you something. The last piece is, if I move to those roles that have those components that I know that I got to have to feel the juice every day, do these places also allow for the opportunity for me to grow? One of the things that makes Ramsey Solutions so special, and I write about this in the Proximity Principle,

find a place to grow. It's the fifth place in the book. And Ramsey Solutions models that. Why? Two key reasons. Number one, there's a track record here for them developing you. They're going to develop you. They're going to pour into you.

And two, if you receive it, they're going to promote you. So that's what you're looking for. You look for that, and I'm going to tell you something right now, Sarah, you're not going to ever be stuck. It really works. So that's what you need to do. And trust me, the opportunities will reveal themselves. 888-825-5225 is the number.

Let's go to Ashley, who's on the line in California. Ashley, you're on The Dave Ramsey Show. How can I help? Let me see if I hit the button right. There it is. Ashley, I apologize. You actually have to push the button all the way down now she's there ashley how can i help hi ken hey how are you good what's

going on good thanks um so really brief background i'm 35 i'm a pharmacist by training i've working been working in the pharmaceutical industry have some experience in the business development realm and it's been on my heart to open my own pharmacy. We live in a small town in Northern California, really want to contribute to the community, directly help patients, and get out of corporate America. So two-part question. One, is this a wise career move from an income-generating potential? And two, how would I get started? Because opening a pharmacy has significant startup costs? Yeah. Well, let's address the first question because it's the easiest one.

Of course, it's a wise move if you do it the right way because this is what you want to do. You got mission dripping all over you right now, and it's fantastic. You know exactly what you want to do and why you want to do it. So don't let that missional component, just because it has a long-term approach and it's a long-term play, don't let that discourage you. Do you understand what I'm saying? Right. It's the right thing for you to do. The question is, what's the right way to do it? And you know all the upfront costs, right? Have you done any research on all the capital that would be needed for you to open a pharmacy? I have, and I've even talked to lenders, and it's about a $500,000 loan up front.

Yikes. So we would need to put $100,000 down. But again, I know with the whole, you know, how do you even do that without getting a loan? It's about $200,000 in inventory just to start up, Then you have build out and capital runway for the first eight months. What do you think Dave Ramsey would say to you if you just said what you said to me? Don't borrow money, but I'm struggling how to come up with $500,000. Well, I think it's a different question.

I think you're asking the wrong question, and that's overwhelming to you. I can feel it in your voice. How do I come up with that? It's going to take me forever, Ken, and I don't even know if I can do it. Wait a second. Let's look at the why behind what you want to do. The why, the pure why. So forget the building, all the inventory and what it takes to get there. Why you want to do what you want to do and can you step into that and what are the ways to step into it you know what what is the real role is it having the brick and mortar and all the inventory what is the real reason i think you got to ask that

i just wonder if you don't look for another way to do it while you're saving but do not go into debt don't do it it's not worth it because of a sudden, the thing that you're so passionate about can become a millstone around your neck if it doesn't work. There's multiple ways to get there. I think you know the answers. My challenge to you is come up with three different ways that you can fulfill the mission that you just shared with our audience. Look at that. That's not overwhelming. That becomes life-giving.

Don't go into debt. It's never, ever worth it. More of the Career Hour onsey show i'm ken coleman host of the ken coleman show ramsey personality author of the best-selling book the proximity principle and we are taking your calls 888-825-5225 is the number 888-825-5225 is the number. 888-825-5225. Let's go to Wyatt, who's on the line in Idaho. Wyatt, how can I help? Hey, so thanks for having me on. I just had a question about switching a career.

I'm currently a registered nurse, but I'm just really not happy with it. I've only been out of nursing school about a year and a half, but nine months ago I had a patient severely injure me that I'd been recovering for nine months and it kind of left a sour taste about nursing. Yeah. So I'd really, it was a dream of mine as a kid to join the military and they expect a full recovery.

So that's kind of what I'd like to do next. However, I'm kind of curious what you would recommend to how to talk to my family and whatnot about it. Because when I mentioned to people that, oh, I want to leave nursing, everyone kind of is like, what do you mean you have a nursing degree? So how would I best approach situations like that? Yeah. You know, this is, this is, there's so many people that won't have the courage to ask this question, and I'm glad that you're asking, but you've also got to have the courage to do what I'm going to tell you to do, because this is a powerful thing when we talk about family and family saying things like, why would you do that? You're a registered nurse, which, by the

way, you know, an RN is a very respected job. I mean, a lot of people respect nurses. It's a very respected position. Good money benefits the whole nine yards. And so they're looking at you like you're crazy. And that has a powerful effect on you. But here's the deal. It's not how you talk to them.

I appreciate your question. How do I talk to them? How about really clearly? How about you just talk to them and say, Hey, let me tell you what's going on. Let me tell you what my heart's telling me. Since I was X amount of years old, you said it's been a dream since you were young. And don't overlook the power of a dream

that was in your heart as a youngster. These aren't silly little things when it's something that's been reverberating in your heart your whole life. And so what you need to say to them is, my entire life, I have wanted to serve our country in the military. That's something I've always wanted. And it took this patient injuring me and knocking me out of work for a while to really get clear. And then address what they're already thinking. I know I've gone to nursing school. I know that I paid the money or I took out a loan. I did all this stuff to get there.

And now I'm looking to transition. And to you and to most people, it might seem like a not-so-smart decision. But this isn't about safety and smart. This is about doing what I am supposed to do, and I want to serve our country in the military. And so that's what I'm going to do. And I'm going to ask that you support me whether you agree with me or not, because this isn't some off-the-cuff decision as a result of bad pizza. This is what my heart's telling me to do, and I want your support.

But hear me say, family, I don't need your support. Now, that's a big statement, and it's got to be true. So that's why I started off. I say, before I tell you what I'm going to tell you, you better do it or else it's never going to click. You're just going to always be feeling like I'm trying to please family. At some point, Wyatt, you got to be Wyatt. And that involves you doing what you are supposed to do not what mom and dad think you're supposed to do because here's why your heart's in the right place

and you're saying Ken I don't want my family to not support me I get that but here's the deal if you don't do what you're supposed to do primarily because you're not getting the support of your family guess what's going to happen the very relationship because you're not getting the support of your family, guess what's going to happen? The very relationship that you're trying to protect is going to end up going bad

anyway, because you're going to resent mom and dad. And I don't want Wyatt to be on his deathbed, looking back on his life, regretting what he didn't do. I want him to be reminiscing about what he did do. So that's what I think. Just have a clear conversation and move on. And let me just say one other thing to the rest of you listening. Family's not always going to be on board because when you decide to pursue your dream, it is reminding them that they didn't pursue theirs.

Boom. And you've got to understand that there's much more going on behind the scenes than them not actually supporting you. 888-825-5225 is the number. Let's go to Charlie, who's on the line in Pennsylvania. Charlie, how can I help? Hey, Ken. So I want to keep it pretty brief here,

but I have a 13-year career in professional sports, running the front office of business operations of sports. About seven years ago, I started a team with a friend of mine, and I was single at the time, and the team grew and was successful, but I never really made a lot of money being an owner, and I was put on the back burner a little bit. I ended up getting married, having a kid and, you know, a little over a year ago, it just became too difficult and I ended up looking for another job and moving my family from Texas to North Carolina where I thought I'd have a new job, a good career job. And after about six weeks, I realized that it's not a good decision. I ended up quitting the job

and was kind of stuck in North Carolina away from friends and family. Just had my wife and my son. I ended up deciding to go back to school to get my master's at Liberty online. And that's in sports management. And over the last year, I've been doing gig work, Uber, Lyft, Postmates, Amazon to try and pay the bills. Moved to Pennsylvania in April to be near my family, and nothing's come of it. I haven't really gotten anything, haven't gotten anywhere.

I've got some interviews, never got a job out of it. And I had this idea, my wife did, and we've kind of run with it, of starting my own business, a consulting firm that can work with existing and new sports teams all over the country, particularly minor league sports teams, since I have the 13, 14 years experience doing that. I'm really just not sure the best way to go about it. I have a new baby coming in February,

and the pressure's kind of on me to provide for the whole family. All right, here's the question. Let me interrupt you because this is point-blank stuff. Yeah. You want to do this type of work, whether it's for a sports franchise or consulting. I just want to make sure that that's what you really love doing. Is that correct? Yes.

Okay, great. 100%. All right, great. If I gave you a gig right now running another sports franchise or I guaranteed you that your consulting business was going to be a success, which one would you choose? I think I'd probably choose the consulting business because then I'd be my own boss. That's right.

Now, good news. Don't think that you've got to get this consulting business off the ground and super successful before the baby comes because this is going to take a little bit of time. Am I right? Yeah. You know that. And that's kind of what scares me.

No, but don't be scared. Listen, go get a good job right now. You've got a lot of experience that's transferable. Go get yourself a solid job where you use all those executive skills that you have. There's some marketing stuff you've done. You've run companies. You've run teams. This is a hot economy.

Go get a job where you're on some level leading or managing in a healthy culture because what that's going to do is allow you to exhale, Charlie. Okay, baby's coming. We got the bills taken care of. I got a nice salary. I got benefits. I got the whole deal. Now, once you get that taken care of. I got a nice salary. I got benefits. I got the whole deal. Now, once you get that taken care of, let's start the consulting business. Because it's just one client at a time anyway.

So go start it. Just get it going. These two things can run together. I had my own company where I was selling sponsorships for live events and trying to get started in broadcasting. Because I knew the broadcasting thing was going to take years. I told my wife five to seven years. So it took the pressure off.

I was making money over here pursuing the dream concurrently. That's what you need to do. And that's the right way to go about it. So yeah, man, take care of stability first. And then you start your own consulting firm. Who cares if it's one client right now? That's all gravy anyway. Two clients, three clients, four clients, three, five years down the road, guess what?

You can walk away from the day job. Step into the dream job when you got the money set aside from the money it's been throwing off, and it's throwing off enough revenue that it's an easy glide. That's how it works. Big thanks to Dave Ramsey for letting me host the Career Hour on his show. I want to thank our producer, James Childs, our associate producer, Kelly Daniel, and most of all, you, America. That's why we do everything at Ramsey Solutions, to help you.

Appreciate the listen. Talk to you soon. This is The Dave Ramsey Solutions to help you. Appreciate the listen. Talk to you soon. This is The Dave Ramsey Show. This is James Childs, producer of The Dave Ramsey Show. Once again, you made The Dave Ramsey Show one of the top five most downloaded podcasts last year. To get your daily dose of motivation and inspiration, subscribe today.