The Ramsey Show - App - Couples That Win With Money Work Together as a Team (Hour 2)

Episode Date: May 1, 2024

Live from the headquarters of Ramsey Solutions, it's the Ramsey Show, where we help people build wealth, do work that they love, and create actual amazing relationships. Dr. John Deloney, Ramsey Personality, number one best-selling author of the book Building a Non-Anxious Life, and host of the Dr. John Deloney Show. He's my co-host today. Open phones at 888-825-5225. You jump in. We'll talk about your life and your money.

Tammy is in Atlanta to start this hour off. Hi, Tammy. How are you? I'm blessed. How are you guys today? Better than we deserve. How can we help? Hi.

My question is, how can I stay from my retirement when I'm basically living paycheck to paycheck? Okay. Why are you living paycheck to paycheck? Well, I am 51 years old. I work blue collar electrician. And I am married. But with my debt, I have a debt unofficially at $55,000, officially $60,000. And I have three grandbabies.

And I'm just trying to pay my bills. How do you have officially or unofficially? I don't know. What's that mean? Unofficially, I have right at 55,000 because I just purchased a new vehicle in November. Officially, it's because I owe my husband about $6,000. What? What? How do you owe my husband about $6,000. What? How do you owe your husband?

Your ex-husband or your husband? No, sir. My husband. We've been married 17 years, been together 20. Reader's Digest version is the way I was raised and past relationships, I do not depend on anyone financially. How's that working for you that obviously sucks yeah it's stressful it's a terrible way to live it's a horrible plan absolutely i i agree i just can't get myself to my and my husband doesn't complain he doesn't

he doesn't try to push me you know he always say don't worry about it but i kind of used him he's pretty tolerant we're terrified of you he must be scared of you hey tammy we can give you all the math and all the professional guidance and all that but you're gonna have to have a heart change this thing's just gonna crash like you and you see it happening right in front of your eyes you can't live like this i do and that's the reason why i'm i'm i'm struggling with i trying to put all i can into my 401k but then at the end trying to step out of my comfort zone you're kind of you're missing my whole point anymore you missed the point did you go buy a fifty thousand dollar car no sir i only paid 49 for it well played tammy well played

dammy why why why would you buy a 49 000 depreciating asset and call us and ask us why you're living paycheck to paycheck i can tell you why you're living paycheck to paycheck the stupidity is sitting on your driveway. It's got four tires. And that, by the way, high five. That was a fantastic answer. That was a really great answer. So here's what I'll tell you, okay?

The data that we know from 30 years of helping folks with their money is that almost no one succeeds relationally in their marriage and succeeds financially towards wealth building that does not combine their lives with their husband. So I'm going to strongly beg you to consider dealing with the emotions of the past betrayals, dealing with the times that people stepped on you that caused you to take this stance and say, I can trust this man I'm married to. He's my guy. He's my husband. He's safe. And we're going to sit down together and combine our income and combine our debts and combine our assets. And we're going to be what the preacher said, and now you are one because you're going to struggle financially,

and it hurts your relationship too. You're going to act like it doesn't, and you're going to try to tell me it didn't, but you're wrong. It does. No, you're correct. And then that's going to also then line you up, and you're going to have to go, oh, I made a mistake last November.

I put our family $50,000 in debt that we couldn't afford, and I'm going to have to sell the car and get rid of the problem that I caused because it's a problem. And then we're going to sit down together, and we're going to lay out a budget, and we're going to start dreaming about how we're going to, 40 years from now, be sitting on the front porch, multimillionaires together. That's what I want for you. That's a different thing than you called about, though. Yes, it is.

Because what does he make? Depending on the year, about $120,000, $140,000 a year. Depending on the year, about $40,000 to $50,000. So you've got $200,000 almost household income, give or take. Yes, and we have no mortgage. Wow. You have no mortgage and you've got a car you can't afford. He probably has a pile of money.

He does. He's very good pile of money. He does. Okay. He's very good with his money. Yeah, so our money. So then the two of you need to start talking. Do we really want to keep this car? If we do, we need to write a check and pay it off. Or I need to say I need to sell it because I shouldn't have bought it, one of the two.

But you trying to live like a roommate on $40,000 a year and then calling me up while he's making $140,000 and going, I don't know how I can prosper. Well, the way you can prosper is the two of you combine your lives properly, and it will cause you to prosper. But that's you admitting that you don't have all the answers and all the strength and all the crap by yourself. And by the way, I'm a much better person when I'm combined with Sharon. And by the way, she's a much better person when i'm combined with sharon

and by the way she's a much better person when she's combined with me i don't know about that yeah everyone knows everyone is everyone knows that now we're better because you know you bring different strengths and weaknesses in and when you combine them you get this beautiful beautiful orchestra that's a synergy. And Larry Burkett used to say, if two people just alike get married, one of you is unnecessary. So these opposites attract, and you plug into that. And so, Tammy, my wife, Sharon, has not worked outside the home in 40 years. She's not earned any income, with the exception of selling some clothes at the consignment sale clothes place. But other than that, she's not earned any income with the exception of selling some clothes at the consignment so close place but other than that she's not earned any income but guess what she

has a fabulous income because we have a fabulous income and it's our income it's not dave's income and sharon's income it's our income and she has a great life and and I have a great life. And part of the reason is I have a great life is because of her. And so I have, you know, I'm not going to allow her. I wouldn't allow. That's not the right word. I wouldn't want for her, and she wouldn't want for me, to be living standalone siloed lives inside the same house. I wonder what it would be like if she asked her husband,

would you forgive that $5,000 debt? I bet he would say, I already have. Right have i bet she's she's the one carrying i bet she's carrying the debt i'll pay you back i'm paying you back because she's the one that he should care less he's not he's not he's standing over there he's gonna be so happy yep sammy when you do this he's gonna he's gonna really love dave ramsey and john deloney because he's where the guys are finally talking gets his wife back. He's got his wife. He's got his wife.

Please consider that. And by the way, if you combine everything and it goes horribly, you can separate it again later. But hey, you people. It's not going to go horribly. It works. Folks listening who are in the top 5% to 10% of earners on planet Earth, making $200,000 a year, living paycheck to paycheck. It's probably not the monies. That's the issue.

Amen. It's the mirror. This is The Ramsey Show. Hey, you guys. Health insurance costs are only moving one way, and that way isn't down. And if higher costs aren't enough, the wait times to see your

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and it's going to be absolutely incredible. Seven days at sea sea march 22nd through the 29th of 2025 about a year from now and if you're on baby step four and above we invite you to join us now if you're on baby step two you should not be spending money on something like this you ought to be getting your debt paid off you you can come on another one of these when we do it again later we're going to turks and caicos we're going to saint th Caicos we're going to St. Thomas San Juan the Bahamas the VIP upgrades are already sold out most of the suites are sold out in fact many of the cabin types are completely sold out so if you're trying to get your pick of a cabin you need to go ahead like an ocean view

you need to get your deposit in like now because we're going to completely sell this thing out and then what'll happen is if somebody drops out, you can upgrade your cabin, that kind of stuff as you go along, but get your foot in the door because it's about to be gone. Stephen Curtis Chapman with Grammy Award winner, 67 or 69 Dove Awards, whatever. Our friend is going to be with us, a world-class artist. Manit Chauhan from the Food Channel, a fabulous chef, world-class chef,

is going to be doing some cooking lessons with us and hanging out with us. Dana Carter from Strawberry Wine, one of our great Nashville names, is going to be with us as well. And it's going to be a lot of fun. Of course, Will, all, Dr. John, Rachel, Cruz, George Campbell, everybody, Ken Coleman, Jade Walshade wash on me we're all going to be there we're all going to be all of us for seven days doing events all through the cruise we'll be hanging out with you we're going to be doing stuff we got all kinds of different things

planned and um if you want to book your cabin go to ramsey solutions.com slash cruise this is not a uh one of these cheap cruises this is not like walmart on the seas okay this is like holland america's class thing this is good stuff walmart on the seas well i mean they do there's some of those things are seriously nasty and the humans on them sometimes are nasty but this is all Ramsey. It's 100%. There won't be anyone else on the ship except our folk. So you're going to be the live like no one else cruise. Again, it's in March 22 through 29, 2025, next March. But the tickets are almost gone. RamseySolutions.com slash cruise.

Kyle is with us. Kyle is in Des Moines, Iowa. Hi, Kyle. How are you? Good afternoon, guys. How are you? Better than I deserve. How can I help?

Yeah, so I'm upside down on a vehicle. I know I need to sell it. I'm just kind of wondering what steps I should take. Okay. What do you owe on it? So I owe just a little over $26,000. Okay. And what is it worth?

So Kelly Blue Book, I'm selling it private. It's worth $12,000. Okay. So you had another one that was upside down. How many old cars did you roll into this one? You must have rolled some negative into this one, right? No. How many old cars did you roll into this one? You must have rolled some negative into this one, right? No, actually, just tons of miles put on it. Me and my partner, we had a baby,

and then the vehicle turned into more than what we were expecting it to be. Okay, so how many miles does it have on it 112 what is it what kind of kia sorento okay wow ah that sucker fell off a cliff man yeah yeah yeah i'm disappointed in the decision to buy it. Well, and the miles just destroyed the decision. So, yeah, selling it is not really going to help you. Yeah, see, I called in like two weeks ago, and that was the recommendation that I got was to sell it. So I went home, and I was like, yeah, we're going to sell this thing. And I was like, uh.

I think you're just going to have to pay it off. Yeah. Okay. So what do you make? What's your household income? About $70K. booked it and i was like uh i think i think you're just gonna have to pay it off yeah okay so what do you make what's your household income um about 70k and the the only debt that i have i have um just shy of 12k in our personal loan and then um 26 000 on a car what's that and then 26 000 on a car yep yeah and you have a baby that you're responsible for but you're not married uh correct okay i actually have four kids total but

at at the same place with the same lady um we have one child together she had one in a previous relationship and then i have two children from a previous relationship that are with their mom primarily uh we split one week with me one week with them with her okay um so we're like we kind of need third row for one week but then we don't for the other it's yeah i think we got bigger problems with third row yeah you um get a lot of chaos in your life brother yeah the um what do you what do you do for a living uh fabricator welder okay you might be entering a season um how much of that 70 is going to child support?

Zero, knock on wood. What do you mean? We just shared custody. I take care of them when they're with me. She takes care of them when they're with her. Is that certified by a court, or do y'all just high-five each other? No, that's all court-ordered. You may have to enter into a season where you make the arrangements with the women in your life that

you're going to be having to work two or three jobs because you got a mess to clean up man yeah you got so much chaos in your life dude you need 30 if you had 36 000 you'd have no debt and an old car and you'd be okay right so you're 36 000 away from a huge relief point so how fast can we come up with 36 000 working overtime one year yeah that's what is that a question you're asking no that's a statement that's what we're telling you that's a statement yeah yeah yeah i think i think because the the good news is you're a welder, and, man, you know you can get work. Yeah, for sure. Yeah, I know you can get work.

They're desperate for your work. I want you to be so tired in October of this year that you don't know what day it is because you've been working so hard, okay? Yeah, but then you're going to be free for the rest of your life because then you never enter into this again. We never buy a car on payments, so we never end up in this again. If we run the value down, it'll at least be on something that's paid for. And I want you to marry mama, and let's wrap this thing up right,

and let's start to get some peace in our house. You got too much chaos, too much coming and going, too much over here, fingers crossed over here, hope this works out over here. You got to start putting some of these variables in concrete, brother, so you can have some peace in your life yeah let's work on stability let's work on our marriage work on a relationship it'll be good for the kids it's good for everybody man yeah but i i for a short period of time i'd turn up the heat on the income and you guys i mean sit down with your girlfriend

now she's gonna be your wife according to john and so um you get those two things working, and then you say, all right, we're going to be on a written budget. We're going to be on beans and rice. We're going to knock this out as fast as we possibly can. Because, really, if you sell the car, you've got almost as much debt left. I mean, it doesn't really get rid of the debt. If you owe $22 on it, I mean, if it was worth $22 and you owed $26, then I would sell it. Because then then you only got to clean up four.

But you still got $14,000. Plus you need to get $10,000 to buy another car. Yeah, and you're screwed up. So, yeah, you might as well drive the stupid thing and let's just beat the snot out of this debt, the $12,000 and the $26,000, which is $38,000. And, you know, you're going to go get your life back is what we're saying uh but this is the result of the different all the personal chaos that while you were uh

in between everything here you jumped in and as you said you said it made a bad decision on this car and that's what took you there so that that's a good way to talk it through. Hey, man, thanks for the call. If we can help you further, you call us anytime. It's what we do. Open phones at 888-825-5225. You jump in. We'll talk about your life and your money.

So the upside down on a car, if you're $4,000 upside down and you owe $26,000, the way you handle that, folks, is you would borrow that from your local credit union or you talk to the company that has the car loan, see if they'll let you sell the car for what it's worth, sign a note for the difference, or, again, like we just said, you work like crazy and you come up with the hole that you're in, the amount that you're upside down in. That's your three things you can do to get out. This is The Ramsey Show. This show is sponsored by BetterHelp. All right, so I was born and raised in Texas, and I love the myth of the lone cowboy. You know, the guy who doesn't need anyone or anything.

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Life is my co-host today. Jamie is in Tampa, Florida. Hi, Jamie. How are you? Hey, Dave. How's it going? Better than I deserve. What's up? Good. I am calling because I'm getting sued by Capital One after being out of work from a real heart attack. So just trying to figure out where I go from here and what the next step is. I've been following the Dave Ramsey plan since January. It's kind of been all in.

So just kind of wondering what I do from here because that wasn't the plan. It was in collections and now. Okay. Can you speak directly into your phone? You're kind of muffled. Sorry about that. Is this better? That's a little better.

Yeah. Thanks. Okay. How old are you? You had a heart attack? Yeah. So I was 37. I'm now 39.

I had a spontaneous coronary artery dissection. Wow. They don't know why it happened, how it happened, how to prevent another one. I just, yeah, it just happened. Two years ago? Yep. Okay, so what has been your work history since the heart attack? So when I had the heart attack, I was part-time and in school with 43 days left of becoming a respiratory therapist.

So I was out of work for two months and then returned and got COVID, and then was out for another 14 days. So during my heart attack, I had no income coming in whatsoever. Two years ago. Yeah. So it took me about seven months before I could get back financially stable enough to even take my test because it had to take two and they're expensive. And then I started working as an rt march of last year

and uh finally got to the point of not robbing peter to pay paul and going to am scott every week um to pay the bills as of probably august of last year you're single uh so in the process of getting divorced from a very toxic person wow you've had a run. I haven't filed yet, but it's just been not good. So what are you making now? So I would say averaging probably about $6,000 a month with overtime and on-call pay. $6,000 a month. And what do you owe Capital One? So there's two cards, one $9060 and one 9,148.

Okay, $18,000. Yes. Okay, all right. Wow, I'm sorry for everything you've been through. Thank you. Let's be very clear, though, that Capital One is not suing you because you had a heart attack and weren't able to work for two months. They're suing you because the had a heart attack and weren't able to work for two months they're suing

you because the two years following the heart attack you've not been able to keep enough work to feed yourself and pay the payments or pay something towards it you paid them nothing and you paid them nothing for what three, three, four years now? So August of 2022 was my last payment. So it got to the point where I just was like, you know what, I need to see my four walls and my three kids' beds and not worry about Capital One. Yeah. And your husband was contributing nothing.

So he doesn't have a high-paying job. He makes about $16 an hour at the time um i mean he was helping as much as he could but it wasn't enough to sustain what we needed as you know a five-person family okay have they given you a court date yeah so may 22nd is the date of deposition may 22nd is the court date okay all right um you i assume you don't have any money so right now i have my thousand dollars um emergency fund i've got and i've stopped paying anything extra because I was going hard. I was paying about $2,000 off in debt since January, every single month. So my paycheck coming up on Friday will be about $3,400. I've got $2,500 in the bank, and then another $1,000.

Okay. Sometimes if you know what's going to happen, it's not as scary as the unknown. So I'll walk you through what's going to happen. Okay. Regardless of what we do right now, short of filing bankruptcy, which you're not bankrupt, so you wouldn't do that. You're going to lose the lawsuit on the 22nd of may because the lawsuit is not about anything except did you pay a bill you promised to pay and the answer is no you did not regardless of the reason okay right there is no heart attack clause in these things so it's just you did you pay it the answer is no judgment Judgment. Okay?

So they're going to win a judgment against you for $18,000 plus attorney's fees on the 22nd in just a couple of weeks. Whoopee. So that's already happened. That was last month that they sent me paperwork saying that there was judgment against me. The one on the 22nd now is a deposition where they want all of my financial information, last three years of tax return, my income for the last year, all my bank statements, all of that. Yeah, that's an execution on the judgment then, okay. Pretty much. I feel like it's an execution on me. okay the the the good news is is that now you have a good income flowing for the first time in this story

and it's just started happening recently and you like you said you got where you're not paying peter to pay paul so the only option you you've got two options technically that I can think of, okay, off the top of my head right here. One is that you begin to negotiate a payment plan with them. Actually, there's three options, okay. One is you begin to negotiate a payment plan with them. Is there anywhere you could get five thousand dollars no i already tried to get a loan from mid florida credit union they denied me my credit's just so bad at this i'm

sure no i mean yeah you're better than am stop five hundred dollars yeah i don't think that i can get you have anything you could sell uh i mean other than my car that i've got twelve hundred dollars left on it but it's got a check engine light and about ready to die and you know looking forward to being able to fix that yeah so what you know so one thing you could do is you could try to settle it for a lump sum that would actually be the cleanest and they probably will take about 5k to settle this and go away but that's not an option because we just talked through that okay so that's one option that one's on the side that would be cool though that'd be very cool the second one is to work out a payment plan with them and they're very difficult on that um the third

one is bankruptcy and bankruptcy stops everything dead in its tracks and um you can you can file a chapter 13 bankruptcy which makes them accept a payment plan they won't have a choice the bankruptcy court tells them what it is and they get pennies on the dollar they don't even get 100 cents on the dollar so if you threaten them with a chapter 13 bankruptcy they're better off they're better off to take a payment plan with you than than for you to force one through a Chapter 13 bankruptcy on them. And so I would like to see you cut a payment plan with them. It's better for you and it's better for them. Okay.

But there's no point in you letting them go through your underwear drawer on the 22nd because all they're doing is a fishing expedition trying to find money and line up whether they can garnish your wages in florida i don't know how that stands i don't know the law there but um they're trying to find something they can get their hands around your throat that's that's all this is if this is not a it's not a criminal thing it's a deposition searching for income and assets and it's there to hassle you and scare you which it's already doing those two things yeah i feel like i can't even go to the grocery store and buy groceries at this point i'm so scared yeah well you go buy anything you need to buy take care of your family don't worry about these characters because they may end up getting

nothing if you end up being forced by them into a bk but truthfully the best thing that could have happened is if you had been working on this six months ago or even a year ago working on something to get them cleared out before it got this far by the time it gets this far your options and your any negotiating power you've got is very weak because all you can do is threaten bankruptcy, which is I threaten to shoot myself in the foot, right? And so that's what you can do there. I'll tell you what, let's do this. I'm going to put you on hold. I'm going to hook you up with one of our Ramsey coaches,

and maybe they can help you with the negotiation with these guys. Hopefully they can keep you out of bankruptcy by getting you on a payment plan. That's what I want to do. But before they come and start taking your income and you're not able to feed your kids, they're going to force you into a bankruptcy before they do that. So hopefully, they won't take it that far. But these characters, I don't know. But you're not dealing with it for two years is how this came up in Bitchu.

It wasn't the heart attack two years ago. It was you're not dealing with it after that. Dr. John Deloney, Ramsey Personality, is my co-host today. Today's question of the day comes from Samantha in California. All right. Samantha asks, I live with my boyfriend and we have two children together. of the day comes from Samantha in California. Alright. Samantha asks, I live with my boyfriend and we have two children together. I'm 36 and I've been with

him since I was 19 and he was 35. I have a degree but never worked, never made any money, and have no savings. I own nothing. Okay. I have a debit card to his account. He makes over a million dollars a year and refuses to get married. What should I do? Make him pay me a monthly salary that I pay taxes

on? Go get a job, which he would hate. I've only recently understood the situation I am in, as I guess I was too busy caring for the kids to see what a mess this is. Any advice would be appreciated. I don't do well. No, I can feel it on you. With men that don't take care of their families. I don't do well with jerks like this. So, all right, let's be kind to children involved.

I'll just say this. This was my sister. This is one of my close friends. I would sit with an attorney and find out what the common law rules are in the state of California, and I would get as far away from this toxic trash as possible, and some of this bajillionaire's money will become yours because you've raised his kids and taken care of his home.

Yeah, there's child support at a minimum. Yeah. There's probably palimony. Let's see. You can't get him to marry you. You've been there 17 years, is that right? Get him to pay you a monthly salary. That's not going to work.

No. By the way, get a job, which he would hate at this point. I don't care what he thinks. Yeah. He's not a person of character. I don't care. He didn't get a job which he would hate at this point i don't care what he thinks yeah he's he's not a person of character i don't care he didn't get a vote 17 years he makes a million dollars a year you've been there 17 years so here here's the likelihood the likelihood is john that she's not going to take our advice no not at all um because you already you've known for a long time even though you act like you didn't what you should be doing and you've known for a long time, even though you act like you didn't, what you should be doing. And you've known for a long time this whole thing was jacked up.

And you've done nothing about it. And so I doubt you're going to do anything about it now. And that's really sad. Because what that tells me is that at a minimum you've been emotionally abused. At a minimum. Because you're now functioning in uh domestic violence symptoms uh because you're not dealing with the obvious thing that's in front of you because you feel trapped that's the symptom of a domestic violence whether it's emotional violence or whether it's physical violence we've gotten really accustomed to this really fancy life

and that's going to go away yeah yeah yeah um and at least part of it is i suspect there's a lot of that million dollars a year is going to come to her i agree in california i don't know i'm not an attorney i think i'm with you so what would i do if if i could get you to do what i don't think you're going to do i agree with john i would see an attorney about your rights i would sit down with mr moneybags and say uh we're either getting married, and that's after we do some counseling to where I can trust you again, because I don't trust you right now, or I'm leaving. Me and the kids are leaving, and when we leave, we're going to file for child support and palimony, and that's going to, according to my attorney, it's going to cost you X.

This one sentence, I've only recently understood the situation I am in, as I guess I was too busy caring for the kids to see what a mess. Bull crap. It's not, well, that makes me think she discovered the other girlfriends. And she now realizes, oh, I thought we, I thought. Now we're reading between the letters. Okay. He was 35, hooked up with a 19 year old

had two of her kids they're now 17 18 um they're leaving the house and now she's finding oh i wasn't the only one i'm not the only one and now i got a mess because i got because i make a million dollars and i do whatever i want to do right whenever whoever i want to do so stupid yeah you're you're what a coward your mind is even darker than mine the coward coward coward that's exactly right you're exactly right that's what's going on cowardly man of only reason yes so the situation is you're uh you have built a life in a house of cards once again these are the things that happens when you shake shack up instead of being married had you been married there would have been a whole different set of situation legal protections legal protections and other things as well so

yeah um but now you're you know you're reaching it um obscure laws which they are palimony laws are much more obscure so yeah i would check yeah, I would check on your legal rights. And I didn't think about these dadgum kids are – they're teenagers at a minimum. Yeah. So, yeah. Okay. And men, take care of your families. Take care of your families.

Stop. Look around, dude. Look around. Another car? Another sale? Are you freaking kidding me? At the end of your life, is this, yeah. So stupid.

How's this going to go for you? You're going to have an empty hospital bedroom. Dan is in Philadelphia. Hi, Dan. How are you? I'm doing pretty good. How are you doing? Better than we deserve.

How can we help? Well, my company that I work for, I've been with them for a little over four years. They let everyone go about a month and a half ago. They're getting liquidated. Another company is going to be getting all of their customers and such. It's a solar company. I worked closely with the executives and they kept only me on and they were the company that's coming in was supposed to uh call everyone that hasn't

happened um i am been applying and haven't been able to find a job yet but uh so you are you are you being paid still i I am being paid still. Okay. But what you're saying is the fuse is burning. It's not for long. Exactly. I make $85,000 a year. And what do you do?

What's your actual job title? Executive assistant. So it's just basically I work for the COO and the CEO, and I also try to find problems in the operations, ways to make things flow smoother. In the last year, I saved the company about $320,000 just in different processes that could have been fine-tuned. So how long have you been looking? I've been looking for about two and a half weeks now. Okay, good. Yeah, you've got to turn that on full-time. That's your whole thing. Yeah. And it's not just filling out job applications,

okay? That doesn't work. You've got to start thinking about who you know at a company where you'd like to work, and then start figuring out what postings that job has for jobs that company has, and get your friend to get you an interview okay that's how that's how people really get jobs in the real world this idea of filling out 5 000 applications by electronic you know linkedin bullcrap that does not work because you get nobody reads all those applications something has to happen to get those things pulled out of the stack. And that's how you really land a job. So, your job is not filling out applications. Your job is

to get your foot in the door somewhere. Okay. That's the difference. So, Ken Coleman, Ramsey Personality, writes about all of this stuff. His book, the one that you need to read, is called Proximity Principle. I'm going to send you a copy of it right now today okay I actually just bought that about a month ago have you read it I have not okay well this

would be the day it's upon you my friend the other portion of that I've been going for the baby steps i'm in baby step two um i want to i'm assuming it's smart for me to hold back and not don't do anything right now pile up cash you're in the middle of a hurricane you're in the middle of a hurricane you're in a crisis pile up cash every day every check they give you put it all in an account and don't touch it. I want you eating beans and rice. Are you married? Yes, and we have three kids and one on the way.

Does your wife work outside the home? No. Okay. All right. So you really pile up cash, pile up cash, pile up cash. Stop your 401k. Stop everything. Treat this like you had to have $10,000 to survive because you do.

Okay. The bigger pile of cash you've've got the better you're going to have confidence when you're interviewing the more broke you are when you interview for the next thing the more desperate you sound and the more the less employable you are because desperate people they got a stink on them man and so i want you less desperate. I want you getting after it. Yeah, you need to turn this up wide open. Like your full-time job is you right now. Get it. This is The Ramsey Show. Thank you.