The Ramsey Show - App - Crap! No Whining Is Allowed Here! (Hour 3)

Episode Date: March 21, 2019

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Music Live from the headquarters of Ramsey Solutions, broadcasting from the Dollar Car Rental Studios, it's the Dave Ramsey Show, where debt is dumb, cash is king, and the paid off home mortgage has taken the place of the BMW as the status symbol of choice. I'm Dave Ramsey, your host. Thank you for joining us, America. Open phones at 888-825-5225. That's 888-825-5225.

Well, today is launch day. Today we are announcing something big, and that something big is simple. We teach you to live like no one else, so later you can live and give like no one else. We want you to pay a price to get out of debt, build an emergency fund, so that you have money to give, money to enjoy, money to change your legacy and leave a legacy. So, once you get past baby step three, with your emergency phone in place and debt free but the house that's when you let your foot off the gas a little bit and you're able to upgrade in car you're able to go on vacation again you're able to uh move you know get a better couch or whatever

it is you're wanting to do maybe do upgrade that home all with cash, of course, never borrowing again. And meanwhile, you start your baby step four, putting 15% of your income into retirement. So we want to celebrate with you if you're in that section of the baby steps, four through seven. If you're living, that's the living like no one else. And when you get to baby step seven, for sure, you are living like no one else then. It's a different thing. You have no debt, no house payment by then. Boom, right?

So we want to celebrate with you if you're in that portion where you've paid a price to win and you're winning. And we are announcing today the Live Like No One Else cruise next March. One year from right now. This cruise is going to be incredible. We're taking down the entire ship. It is a brand new ship. It's the new Staten Dam. I think I pronounced that right.

With Holland America. And Holland America is not one of the cheap, cheesy cruise lines. This is one of the upscale cruise lines. This is nice stuff. and it's all new. So one year from now, March of 2020, the tickets go on sale today. We're going to have all the Ramsey personalities there. I'll be there. Rachel Cruz will be there.

Chris Hogan will be there. Ken Coleman will be there. Christy Wright will be there. Anthony O'Neill will be there. And Coleman will be there. Christy Wright will be there. Anthony O'Neill will be there. And we're bringing along some friends. Emailed a couple people, and Stephen Curtis Chapman is going to be there. Christian music icon and Grammy Award winner. He's a friend of ours, lives down the street down here.

He's a great guy. And he's going to be doing some of the some of the events or whatever whatever we call that i mean he'll be singing that's what he'll be doing that's what he does um jeff foxworthy got in touch with jeff he's going to come this is that and he's you know world class i mean his stuff the one of the best known comedians on the planet right now and uh one of the few that can do clean and so um you know so you we're going to be the way, we're going to be clean on this. It's our cruise. So, you know, we'd love to have you come.

And Manette Shahan. Manette is a James Beard chef. You see her on the Food Channel. She's a celebrity chef. She's on several restaurants here in town. World class, obviously. She's become a friend. And so she'll be doing some cooking demonstrations and so forth there,

or however that stuff works if you're a world-class chef from the Food Network. I don't even know what we're going to do with all this. It's going to be a blast. I know that. Some of the top country music songwriters in America will be joining us. My pastor, Pastor Darren Whitehead, is going to join us. He's going to do devotionals in the morning from our church at Church of the City and so on.

There's just going to be a ton of folks there. You do not want to miss this. It is going to be fun. Now this is not a cheap cruise. This is not cheap and cheesy. It's not a bargain and it's not for you to go into debt to do. It's not for you to do if you're in Baby Steps 1 through 3.

We're not going to inspect your budget. You get to be the adult and decide what you're going to do but we're not hypocrites we're not asking for you to join us and do something and celebrate something when you're broke that's not what we tell you to do we tell you when you're in baby steps one through three don't go on vacation and this is a vacation a high-end nice vacation march of 2020 holland america we're going to go to turks and caicos yeah baby oh sweet puerto rico st thomas bahamas and uh it's going to be incredible so ramseycruise.com you can reserve your spot for only 250 bucks uh and you know save your money and pay for it by next by the time you need to go, whatever the deadlines are on the payment.

That's how cruises work. And believe me, you do need to get this reserved because I do not think this is going to last very long. We just launched it today, and the activity around this is blinding. It's going to go really fast. And here's the thing. We are fans of you guys who win. We think you're heroes.

We are looking forward to celebrating with you. We're looking forward to celebrating your debt freedom. We're looking forward to celebrating your wins. You're living like no one else with you. You've earned this. You deserve it. And it's okay. One of the things you spend money on is enjoyment.

One of the things you spend money on is generosity. One of the things you spend money on is investing. You need to be doing all three, especially when you're in baby steps four, five, six, seven. So come join us, RamseyCruise.com davramsey.com you can find out more information there and you'll learn all about it andrew is with us in houston texas hi andrew welcome to the dave ramsey show hey dave thanks for taking my call sure what's up so i went to my first fpu seminar when i was 16 and then i again went to another one when I was 25, right before I got

married. And since then, well, when I first got married, I was out of debt, and then since being married, I helped my wife pay off, or I helped my wife get through school, so we took on some student loans, and then we made a big move across the country and North Dakota. So we bought a car. And with that was about $23,000. And since then, we've paid down the student debt and we've paid down the car. So now we owe total about $24,000. How old are you now?

I'm 30 and my wife is 24. Okay. So you've been through the class twice and you're not doing anything that the class tells you to do? Well, yes, correct. So where are you going to start? Well, that's kind of why I'm on the phone with you. Okay.

Since my wife has been married, I've been pushing and pushing to get back into it, to get her really into the class and on the same page as me. And she's been reluctant, but she's slowly coming around. So, yeah, that's my big challenge right now is to get her on the program. Okay. Well, I'll tell you what, I appreciate you going through the class. And what we'll do is just sign you up again. I'll pay for it, and we'll

get you in the new program, the new membership, and the two of you need to go to the class together, because you've never done it together. And so you've got kind of one set of information from your past before her, and she's got a whole other set of information, and no one of those conflict. And you've basically been following

her guidelines, not what you know better to do. You knew better than to do this crap. So, hold on. I'll get you signed up again. We'll try it again. See if you can pass it this time. This is the Dave Ramsey Show. Pay less at the dentist. One Dental is a company I've been telling my listeners about because I know these guys will save you money every time you visit the dentist.

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Just text the word DENTAL to 77948 and get an exclusive Ramsey discount. That's DENTAL, D-E-N-T-A-L, to 77948. Thanks for being with us, America. Alex is in Fresno, California. Hey, Alex, welcome to the Dave Ramsey Show. Hey, Dave, how are you doing today? Better than I deserve. What's up?

Hey, I had a quick question. I need a career advice. I am in a position right now where I am working two jobs more or less. I have a small business that I started, and then I'm working for a company. The company is not in a great situation right now and starting to kind of affect my career-wise. And I'm wondering if I should quit my job and then put all my efforts towards my small business. Okay. What are you making on your small business currently?

After expenses, it'll be anywhere between $35,000 and $40,000. That's your current rate? Yes. Okay. All right. And what do you make at your day job? About $70,000. And what's wrong with the day job?

You know, it's not a very well-organized and certain to get into more of an ethical issue somewhat, issues that I can't support, and I'm having issues with my upper supervisor. It's kind of where it's starting from. Gotcha. Is this going to, other than getting you fired, does it currently affect your income? Other than getting fired. What was that? If you don't, I mean, ethical disagreement with your supervisor could get you fired, right?

So that's one way it could affect your income. But in the meantime, is your income a salary? Your income's not affected yet, right? No. No, it's not. All right. How long have you been running the side business? I started it in January.

This year? Yes. And you're netting $3,000 a month? Yes. What are you doing? Consulting. Ag consulting. Okay. Cool. Well, I mean you you come out of the gate hot

yeah yeah that's a great side hustle i mean usually it usually takes people a little longer than that to get that kind of income moving so um what i always tell folks on a side hustle it sounds like you got a great business here here that could grow to equal your income and beyond, right? Correct, yes. But it's a bit of a jump from 70 down to 40. That kind of takes my breath away. So what I always tell people is let's get the boat closer to the dock before we jump. Yep.

Meaning let's fight this for another 90 days, another 120 days, another 180 days, whatever. But I'm with you. I think you're in a situation by Christmas you're probably out of there. Yeah. But in order to make that easy, an easy jump, I mean, here's the thing. If you call me up and you said, Dave, I make 80 on my side, I'm going to quit my 70. Well, you wouldn't even have called me. You'd already done it right?

correct and so if you can get it up to 60 a jump from 60 down to 70 is not a jump that's a step from 70 down to 60 right? that's ok but down to 40 and it's 3 months old that takes my breath away a little bit so let's proof text

this idea a little bit further and get a little bit more of a track record. Do you think you can survive at the other place 90 to 180 days? Possible, as long as I'm not pushed to do what I think is unethical or what I don't agree with. And I wouldn't ask you to do that. I wouldn't ask you to lose your integrity. But if you can hang on and just keep your head under the radar and keep it from getting chopped off, you know, and meanwhile just bust your butt like panic mode on getting that side hustle up,

because as soon as you get it to 60, I'm turning in my notice. Yeah. You have two five thousand dollar months i'm gone net profit right correct yep you see what i'm doing yeah yep yep just trying yeah closing the gap yeah exactly because it's just it takes your breath away to make that big a jump and i think you're going to be able to do it that That's the thing. So, yeah, you're close. Just play on through and hold your breath a little bit and hold your nose is what you're doing because the stench over there is getting bad. But just for 90 days, 120 days, 180 days,

if you can have two consecutive $5,000 months, I'm done. With the trend line that you're on, too, which is pretty incredible. Camille is with us in Orlando, Florida. Hi, Camille. How are you? Hi, Dave. How are you doing? Better than I deserve. What's up? Great. So my question is, should my husband buy a dental practice? Do you pay cash for it? Well, no.

No? Maybe partially. Right now, he's an associate at a group practice, so this would be he makes right now $360,000, so he produces about $900,000 a year and gets 40% of that production. Today? Right, right now. Is a $360,000 income. Mm-hmm.

For how long has he been doing that? About eight years. Any money? Well, we paid off a lot of student loans. Have you paid them all off yet? Paid everything off. We have no debt. We paid our house off.

And your student loans? Yeah, everything. You're 100% debt free? Yes. Amazing. Well done. We followed your advice. Well done.

Okay, well, let's just start chunking money aside to pay cash for a practice. Have you found a practice you'd like to buy, and do you have a price on it? We do. We found one that we really like. The problem is that it's doing really well, so it's really expensive. It's $1.2 million for the practice, and it will be $1.7 million including the building. And the net income that he would make if we got a loan for that, he would still be making a million a year. Because his overhead would be 26%.

Yeah, maybe. Right. If something doesn't go wrong. Debt only works when everything works. Exactly, yeah. And in business, there's one thing for sure. Everything doesn't always work. And that's how he thinks how he thinks and he thinks well what if i made 800 instead we can still pay that debt the other thing that's not exciting to me no i do not want to go a million

dollars in debt he makes 360 000 a year he does not have a bad life right there's nothing on fire here you have an incredible life you You're 100% debt-free. If you don't do anything else but sit there and make $360,000 a year for the rest of your life, you're going to be so wealthy it's going to be unbelievable. There's nothing on fire here. How old is he? 40. I think in five years you can buy whatever you want to buy if you watch what you're doing

and be calm and not go get into debt. I understand that dentists go into debt for practices every day. I know they do that. I also know that most of them, when you talk to them, wish they didn't. Mm-hmm. Okay. I cannot recommend that you buy a business with debt. And not sell our home to use that.

That's a no-no. What's your home worth? It's $450. Okay. That won't pay for it. Right. Okay. If you wanted to sell a million-dollar house and buy a million-dollar practice, I'm okay

with that. Rent something and buy the practice. That's fine. But I'm not going to tell you go in debt for the practice period not one dollar you're going to do what you're going to do and i'm not going to be able to stop you but you called and asked my opinion and i'm an expert on my opinion i would not tell you to go into debt i would not i take, you make plenty of money. If you'd never own a practice, you make $360,000 a year. Crap.

No whining is allowed here. You know? So pile up some money and open your own practice from the ground up. Pile up some money and buy a practice a few years from now for cash if you want to, if you're dying to own and run your own thing. But no, I'm not going to tell you to go into debt. I've had lots of opportunities to go into debt to make more money. And every time I didn't do it, I looked back and I went, wow, God just protected me.

And that's all this is. You're going into debt to make more money. That's all is and you're getting you're going to make a mistake you're going to have a mess you don't you can only see what you can see from where you are and there's three rules of business it costs twice as much as you think it's going to takes twice as long as you think it's going to and you're not the exception those Those are the three rules. And that's what's missing here is the wisdom of experience. And I've been running this place for 25 years. I can promise you that you do not know what you do not know. And I'm not going to put you into debt to do it. Thanks for the call. This is the Dave Ramsey Show. Are high health care costs getting you down?

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It's what Christian Healthcare Ministries has done for over 35 years. And our members have shared over $2.5 billion in medical bills. To learn more, visit chministries.org. That's chministries.org. Christian Healthcare Ministries is a proud sponsor of Dave Ramsey Live Events. chministries.org Rebecca's in Bend, Oregon. Welcome to the Dave Ramsey Show, Rebecca. Thank you.

How can I help today? Well, we're trying to decide if we should keep our rental properties that we own or if we should sell them and invest the profits in the stock market. Okay. Do you like them? Yeah, they've been good to us so far. How many properties do you own? We own three, but one we live in, and two we rent out.

One for the last ten years, and one for the last five years. So you have two rentals? Yes. Okay. And do you owe anything on the rentals? We do. How much do you owe on rental number one? We owe $135,000.

And what is it worth? It's worth about $260,000. Okay. And what about the second one? We owe $155,000 and it's worth about $355,000. Okay. So you got about $300,000 and something thousand dollars in equity between the two. Okay. Correct. And your personal residence has what owed against it? About $215,000. Okay. All right. And how much other debt do you guys have? We have no debt.

Good. And what's your household income? It's about $165,000 a year. Very good. Okay. And how much money do you have other than rentals? We have about $150 in 401K and IRAs, and we have about $40 in the savings. Good.

Okay. Done really well. Congratulations. How old are you guys? We are in our early 40s. Okay. we are in early 40s okay so when you are in your 60s do you want to have stock market investments or rentals i mean i've always thought both but i agree you've got your 401k i assume is invested in mutual funds right i don't that's kind of more where my husband pays the 401k

it should be you should have it invested in good growth stock mutual funds and we recommend four types growth growth in income aggressive growth in international and you said you have got a hundred and something thousand in there and 20 years from now that'll be that alone will be close to 2 million

yeah and we're investing about between that what he contributes with his work and our personal income, about another $5,000 a month in stocks now. Yeah, so, I mean, you're going to have several million dollars in mutual funds, is what we're saying, in your 60s if you continue on the track you're on, not counting the rentals, okay? So, plan number one could be sell the rentals and pay off the home and invest some plan number two could be sell one of the rentals

the one i like the least and throw that money at your home and begin to work diligently to pay it off as soon as possible um plan number three could be let's just lay out a plan to pay off all three, making $165,000, maybe back down on our investments to only 15% of your income going into investments, and the rest of it go to debt reduction on house and then on rentals. Okay. So basically, let's see, $135,000, you get $300,000, $500,000 makes you debt-free. Okay? Yes. And so not counting rental income, which we didn't calculate in this, the $165,000 include rental income?

No. Okay. So not counting rental. We just put that entire rental income towards the balance of the loan on the home. Okay. So not counting rental income towards the balance of the loan on the home. Okay. So not counting rental income, if you put $50,000 a year towards this, not counting rental income, you'd be debt-free in 10 years, houses and rentals. If you put $75,000 towards it, you'd be debt-free in 7 years.

Okay. So the question is just what do you want? All of that is reasonable. in seven years. So the question is just what do you want? All of that is reasonable. We don't have a 30-year plan here to stay in debt up to our eyeballs on a bunch of rentals. These rentals have got some equity. They're cash-flowing. They're okay. You've done a good job with money.

You've got a good household income. If you choose to plow through them, you could do that and very easily do this. A real easy option would be sell the $355,000 one and pay off your personal residence tomorrow. Then you only have one debt, $130,000. You could pay that one off in 20 minutes. You know? You could pay it off in a year and a half or two, about a year and a half, if you had no house payment.

Agreed? Yeah. Because that one's only $135,000 owed. That's one plan. I mean, that's the type of stuff you can look at. So you could be debt-free with a house and one rental in 18 months if you did that one. You could be debt-free all three of them in seven years if you roll up your sleeves and focus on them while putting 15% of your income into retirement. As your income comes up, just throw

it at your house, throw it at your house, throw it at your house. As soon as your house is gone, then throw it at the smaller rental. As soon as that one's gone, throw it at the next rental. And you can keep all three of them. Again, it's just whether you like them or not. If you didn't own them, would you, you know, 10 years from now, would you want to own them? Would you wish you did? I like real estate. So that's why I'm trying to work through this with you.

But there are people that just go, I hate dealing with renters. I hate dealing with real estate. Something's always breaking. A heat and air guy makes more on this than I make. I don, I hate dealing with renters. I hate dealing with real estate. Something's always breaking. A heat and air guy makes more on this than I make. I don't want to screw with it anymore. And they throw up their hands and, you know, if that's you, then sell the crud out of them, right? No, that's not us. They've been good to us.

It's just that, you know, considering where the real estate market is and the value and whether or not. Which is a good reason to hold on to them. Right. Okay. Because they're going up in value. I mean, Bend, Oregon's a great market. You guys got a market that's on fire. Right?

Yeah. Yeah. But it can also, you know, be one of the worst when it goes down. Yeah. Well, yeah, they do that. They do that. All of them do that. But it's up to you.

I mean, the question is, ask yourself long term. it goes down. Yeah, well, they do that. They do that. All of them do that. But it's up to you. I mean, the question is, ask yourself long term. When I'm 67, do I want to own property like these or these properties? And having had it paid for at that point for 15 years. Okay. That's, you know, because really it's going to take you about seven to clear them all three. Unless your income shoots up, but that's what I'm looking at. So just sit down, run the numbers with your husband and go, you know, we sell one, we can accelerate this thing really fast, but I kind of might look back 20 years from now

and feel bad that I got rid of it because this has been Oregon and I could have made money, you know. So it's up to you. I almost never sell real estate. Almost never. I've got two pieces on the market today. One of them I bought to flip, and the other one is a vacation condo that I'm done with. I'm not going there as much anymore, and we're done with it. And so I'm turning it for that reason.

But investment properties, I think I have sold one. I have sold one investment property in. No, I'm sold. I've sold two. I sold two investment properties in 15 years. So I hardly ever sell one once I get it. But I'm pretty selective when I buy them. I'm buying them for the long haul.

It's where my mind is. I didn't accidentally get into them, that kind of thing. So that's just what you look at, and you just say, do I want to own this long term? Hey, thanks for the call. Open phones at 888-825- 5225. Where's the best place, Damien says,

to start investing in growth stock mutual funds? Anytime you're dealing with money, anything, investing in mutual funds, whether you're putting money in real estate, anytime you're dealing with mortgages, you're dealing with estate planning, taxes, insurance,

you want to meet with a money professional that has the heart of a teacher because you should not do anything with money unless you understand what you're doing. So the place to start with investing in growth stock mutual funds is find an advisor with the heart of a teacher and start learning because you're not allowed to put money in anything

if you follow Milo rules unless you understand it. And so investing in good mutual funds requires that you have a basic understanding of what you're doing. You don't do it because I said do it. You don't do it because an investment professional said do it. Click SmartVestor at DaveRamsey.com. Put in your info. It'll drop down a list of the SmartVestor pros in your area. You select from among them which one you would

like to meet with, and you'll meet someone with the heart of a teacher, which you're going to hear similar advice to what you get around here. This is the day, James 3.17 But the wisdom that comes from heaven is first of all pure, then peace-loving, considerate, submissive, full of mercy and good fruit, impartial and sincere. My friend Craig Groeschel says, you don't have to be perfect, but you do have to be real. People want to follow someone real rather than someone who's always right.

Monica's with us in Cincinnati. Hey, Monica, welcome to the Dave Ramsey Show. Hi, thanks for having me. Sure, what's up? Well, I just started my career. This is my first year. I'm a teacher. And right now I serve in an underprivileged, socioeconomically disadvantaged area.

Basically, it's inner city schools. So I've been teaching here, and it's been a really rough year as far as the kids go and the safety of the school. And there's just a lot of challenges that I didn't quite anticipate. But now that I had a year in, I'm looking to kind of get out, and I have a job offer from a Christian school that I'm really interested in, but it would be a significant pay cut. And I'm kind of looking at if that would be wise, because I do want, you know, I have certain goals I want to reach, and, you know, I want to see if that $10,000, it would be

close to a $10,000 a year cut, and I want to see if that would be kind of worth it for me and where I'm at. Mm-hmm. Okay. So I'm also looking to get married. There's also other options. Right. Get a job making more.

Yeah. And kind of in the area I am right now, teaching in the inner cities kind of pays you the most. Like one of those, like you work at the underserved, you make the most. So I commute pretty far for a hire. So my base pay right now, the base pay in my district is about $43,300. That's what I'm making now. And next year it would go up to $45,000. And there's no public school in the burbs that pay that?

No, they don't. The way that the inner city gets people there is paying more. Are you sure? Yes, I've looked into it. You've got different counties and different city schools, right? Yes. So there's several different options around Cincinnati. There's Covington, right?

Yes. Across the bridge, right? Right. You've looked at all of those? Yes, I've done a lot of looking around. And the only reason I was looking into if I'm okay with making less is if it would be at a school where it's pretty much ideal. And I have the faith, and I have the benefits of kids that just come from loving homes and parent involvement and that sort of thing. That's the only thing that would let me take a pay cut at this point.

I appreciate that. I'm just, you know, I always resist the idea that in order to have a better job, you have to make less. And so on its face, I resist that philosophy. And that's why I'm pushing back tactically into the details to learn what's going on here. Overall, it's not the end of the world. No one says you have to stay there the rest of your life. You've been in this other school one year, and you're through with it. You can go to the Christian school and do it,

and in two years or three years you could change again if you wanted to. You're not signing a 10-year contract. Right. I guess I'm worried, too with the retire the way teacher retirement works i wouldn't worry about that i wouldn't worry about that i would live my career and you handle your retirement whatever the retire the retirement works works out but i'm not i'm not gonna i'm not gonna get handcuffed into a bad situation based on the retirement benefit um that that doesn't work but generally speaking public schools pay more than small

christian private schools right nationwide generally speaking and that's not what you're finding which is weird oh no no well it would be um like their public schools i could take a pay cut to go to another public school but i wouldn't i don't want to take a pay cut and go to a public school. If I were to take the pay cut at this point, I feel like I'd rather be at a Christian school, if that makes sense. I'd rather be in that environment. Yeah, but, I mean, what you're saying is a Christian school is about the same price. No, the Christian school, I would be making way less.

I'd be making about, so I'd go from $43.30 now to about $32.00 to $50.00. Right, but if you went to the Burbs in a public about, so I'd go from $43,300 now to about $32,250. Right. But if you went to the Burbs in a public school, what would you go to? Probably like mid to upper 30s. Between the two. Okay. Yeah, it'd be between, but I just don't know if. That makes sense.

I looked at the math on my take-home pay, and I just don't know if that'd be worth it. Be worth it? What do you mean? Like, I don't know if it'd be worth, like, I don't know if it'd be worth um like i don't know if it'd be worth the pay cut to go to just another public school i'm thinking the pay cut would be worth it though if i were going to this kind of ideal school i have in my mind that where i'd be treated better i mean yeah i think i think you've got a utopia set in your mind my kids went to Williamson County schools in Tennessee, public schools, which were ideal. I mean, no school's perfect because you've got crazy parents.

But, I mean, truthfully, it would have everything that you're talking about in a public school setting. And so, you know, the idea that the only place you're going to find ideal families or ideal students is in a public school setting. And so the idea that the only place you're going to find ideal families or ideal students is in a Christian school, that's not true either. So I'm just trying to work through the thinking with you here, because what's happened is you're running from something, and I want to make sure you're running to something as well. I don't blame you for changing. I'm with you on the change.

And I probably would go ahead and take the Christian school gig, okay? But I don't want you to wake up 10 years from now and be making 25% or 30% less because you have a false view of reality, because there's a suburban school right around the corner, a public school, that has very similar parents, very similar kids to the school you're in. Right. I guess just the year, the experience I've had. Yeah, you've kind of got your eye blacked.

I get your nose bloodied. Yeah, I got you. I understand. But, again, just don't get stuck, and don't stop analyzing your career. And don't say, you know, this is the same phone call I get, Monica, and here's what I'm trying to avoid, okay? I'm an accountant. I've got a CPA, and I make $60,000 a year because I work for a nonprofit, but it's a great environment.

I could make $120,000 working in a regular accounting firm, and they're all evil. Well, that's all horse crap, okay? That's just not true you know but they they dumbed down and took a non-profit gig because there was some kind of a false view on what works you follow me i'm not saying that you i'm not saying that you i just don't want that to become you yeah and that that is the fear yeah because i know that five years in i could not be making what i am now if i stay there for another five years but a school a public school that pays you 25 percent more and the principal is a christian person they can't obviously be uh overt with their faith in a

public school setting i understand that but they function they lead from a value system that you're looking at, okay? And the parents in the area, by and large, are people of faith and people of quality and high value system. You're going to have a similar experience in a public school setting to what you're going to have in a Christian school setting. And so very similar. If that's available in the Cincinnati area, and I suspect it is. I suspect it is.

So that's just something to think about long term. Right now, take the job. I'm with you. But I just want to walk through the critical thinking skills with you on this and just think, okay, what are my assumptions? Is that just because it has a cross over the door does not always mean it's more Christian or that it's a higher quality person, people involved. Sometimes, like for instance our organization, we are a for-profit and our value system would line up exactly with what you're talking about.

Our culture of our organization would line up with exactly what you're talking about. And yet, you know, we're not a nonprofit. We don't qualify as being a ministry, in quotes or whatever, all that kind of stuff. So you just got to be careful on how you're judging things long term. But in the meantime, I'm with you. Get out of Dodge City and go get yourself a place where you're safer and you can kind of get your love of teaching back again because right now you're in a war zone, it sounds like.

And I'm with you. I've got no issue with that. And it's not something you're called to is what you're telling me. Some people are called into that setting, and that's fine. I don't have any issue with that at all. But you're telling me that's not what you want to do with your life. And so don't do it. Good call.

Thanks for talking to me. Appreciate it. That puts this hour of the Dave Ramsey Show in the books. We'll be back with you before you know it. In the meantime, remember, there is ultimately only one way to financial peace, and that's to walk daily with the Prince of Peace, Christ Jesus. Hey, it's Kelly, associate producer and phone screener for The Dave Ramsey Show. If you would like to do your debt-free scream live on the show, make sure you visit

DaveRamsey.com slash show and register. We would love for you to come to Nashville and tell Dave your story.