The Ramsey Show - App - Don't Accept Limitations From Anyone! (Hour 2)

Episode Date: February 21, 2020

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

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Starting point is 00:00:00 Live from the headquarters of Ramsey Solutions, broadcasting from the Dollar Car Rental Studio, this is the Dave Ramsey Show, where America hangs out to have a conversation about your life and your money. I'm Chris Hogan, filling in for Dave, and I'm also joined in studio this hour by national best-selling author and host of the Ken Coleman Show, Mr. Ken Coleman. What's up, Chris? How are you? Happy Friday. I'm doing better than I deserve.
Starting point is 00:00:47 I think I've heard that once or twice. Yeah, you're not allowed to say that. Well, I've never said it seriously. No, you can't do that. You can't ever say it at all? No, you need to be tased. Well, I'll tell you what I say on the Ken Coleman Show. I say I'm living the dream.
Starting point is 00:00:58 Okay, there you go. That's what I say. There you go. You know what I say. What? What is your deal? I'm focused and not finished. Oh, that's right.
Starting point is 00:01:03 We all have our phrases. Yeah, we do. So, I'm going to tell Dave you used his, and that I'm focused and not finished. Oh, that's right. We all have our phrases. Yeah, we do. So I'm going to tell Dave you used his and it's going to be a problem. Oh, no, no, no, no. Never used it. I'll text him. Never. But here's the deal.
Starting point is 00:01:12 This hour, if you are out there and you hate your job or if you feel like you're stuck in a dead-end job or a career or you've got something, a call on your life that you would love to be able to do it and you're unsure of how to go about it, well, guess what? I want you to give us a call. We're taking, of course, your money questions, but Ken is here to also help guide you. Ken, that's what you've been doing on your show. You've been busy. Yeah.
Starting point is 00:01:39 Every day, Monday through Friday, we're all across the country on regular radio. We're on SiriusXM. We're now live on YouTube at 12 Eastern, 11 Central every day on YouTube. And, of course, we podcast the show. And we do what Dave does here in the sense that it is all about the listener. Men and women are calling in every day because they want to get clear. They want to get connected. They want to get qualified.
Starting point is 00:02:02 They want to get started. They want to get promoted. They want to get qualified. They want to get started. They want to get promoted. They want to get the dream job. Why? Because every man and woman on the planet has this inner sense that they want to make a difference. They want to matter. And it's not all about work and life, but if you think about 90,000 plus hours, compute that number. That's how much time the average American will spend at work in their
Starting point is 00:02:25 lifetime. You think about work and sleep and then family and relationships. Right. So to just assume that work is just about paying the bills is a faulty assumption. Right. And we believe here at Ramsey Solutions, certainly in the Ken Coleman Show, that every man and woman was created
Starting point is 00:02:41 to fill a unique role. That means they're needed. But it also means they must do it. So we're about helping people get on purpose in their work and in their life. That's good. So listen, if you're out there and you're in one of those positions, you're feeling stuck or you're in a career or job that you hate, you've got something else new you want to try, call us. The number to call is 888-825-5225.
Starting point is 00:03:04 Again, that's 888-825-5225. Or of course, you can find us at Ramsey Show. Feel free to do that. But you can also find Ken at Ken Coleman and me at Chris Hogan 360. Feel free to send over some social questions. We've got a couple that we're going to dig into here momentarily. But first, we're going to get to the phone, and we're going to see Steven is calling in from Texas. How are you? I am pretty good. Thank you very much for taking my call. You guys are amazing, and I'm very excited to get to talk to you guys. Oh, well, thank you, Steven. How can we help you today, man? So the question I have is actually going to be about a retirement account that I had, but now that the theme has kind of changed, I just want to let you guys know a year and a half ago, i was stuck in a job that pretty much wasn't going to progress in education and we had racked
Starting point is 00:03:49 up about ninety thousand dollars in medical debt trying to save my left eye and i decided we needed to make a change and i started taking every night from nine o'clock until two in the morning learning web development and now i am a front-end engineer for a company making twice what i did as a teacher a year and a half ago so definitely you know go for your dreams my goodness that you talk about initiative and hard work that's amazing first question how's your eye so currently right now it is stable i had my last surgery three years ago there's some silicone oil in it that's kind of holding the structure i have a disease called coates disease, which is super, super rare, non-genetic, non-hereditary. I have, you know, over 400 vision in the left eye and it's stabilized finally. And they're talking about possibly removing the oil and seeing if I got any vision left and maybe putting a new lens in there. So
Starting point is 00:04:38 amazing. Hopefully I get it back. That's amazing. I mean, can you hear this? This is somebody that taught himself, right? And went after it and pursued it. That's amazing. I mean, can you hear this? This is somebody that taught himself, right, and went after it and pursued it. That's not an accident. No, and what you see is tremendous hunger for a result, right? Driven by a result that is just deep, deep-seated. And when men and women are that focused, good luck stopping them. Yeah, that's amazing. Stephen, did you say that you doubled your income? Yeah, I doubled. So I went from about 52 to now I'm just about 100.
Starting point is 00:05:10 That's amazing. Now, let me ask you this. Your quality of life, are you happier? So the biggest thing for me, other than the fact that, you know, we were making the change not just for money, but because insurance and education in Texas is just not good. We were paying $16,000 max out of pocket every year. Wow. My insurance for the whole family is actually affordable.
Starting point is 00:05:28 And, you know, we pay $30 for an appointment and barely get charged for anything else. And then the other thing is I'm available for my family, unlike I was before. So son's sick, I can stay home. My wife doesn't have to take a day off in education. I don't feel guilty taking days off. I can work from home if I need to. It's just a much better place for us to be family-wise. That's amazing. And let me ask you this, what baby step are you guys on right now? We are on two. And we actually kind of sat down,
Starting point is 00:05:54 I just changed to a different position and that's kind of where the bump came in. It was in the past six months, it's increased almost 30,000. Okay. And so what's left in this baby step two, what do you owe on? We still owe about 86, but in the last two months or this month and next month, we will have paid both of our cars off, which was about 9,500 together. That's amazing. And I'm going to tell you this, with your income growing like that, be intentional, attack that debt, be very clear. The natural instinct is for lifestyle to creep up, right, because we all want some stuff. There's nothing wrong with that, but we've got to clean up some messes first before we put ourselves on that trajectory to be very intentional.
Starting point is 00:06:34 Ken, when you hear of people making that kind of adjustment, somebody that's working in a job that they don't like and they know there's something else that they want, what's step one, my friend? Well, they've got to be absolutely clear. Stage one is get clear. So we're going to look at the three elements of living and working in a state of flow. First, what do I do best? This is just, I call them abilities and quality. So think hard skills, soft skills.
Starting point is 00:06:59 What do I do really well? This is the list that gives you the tools. It identifies, well, this is what I'm going to make the most money doing because I'm really, really good at it. That leads to the second thing. What is the work that I look forward to? My heart quickens when I think about it. And then when I'm engaged in it, time seems to disappear. I call this high levels of emotion and devotion. And then now that we know what the work is that we really love to engage in, what are the results of the work? This is the last piece. It love to engage in, what are the results of the work?
Starting point is 00:07:25 This is the last piece. It really makes it worthwhile. What are the results of the work that mean something to me? So, for instance, if I was doing radio every day to engage people, to entertain folks or perform, if you will, but I was not talking about the content that I talk about, sports or something, that would be the piece that would be missing for me. Because the results of the work is I don't want to entertain anybody about sports. I want to equip and encourage people. So the idea is we look at those three things and we go, oh, this is where I am supposed to be.
Starting point is 00:07:58 I call it the sweet spot. What happens when you and I rarely do this, but when we hit a golf ball on the sweet spot of the club? Yeah, I don't. Feels effortless? Yeah. It looks effortless, it looks effortless, maximum efficiency. It's happened once. Right? Yeah. So where in the marketplace can you use what you do best to do what you love,
Starting point is 00:08:15 to see a result happen that matters deeply to you? That's what you do. And you see it, and you go, oh, I can go there, and there, and there. You got opportunity, my friends, and we're here for you. I want you to keep listening. This is The Dave Ramsey Show. I love talking about companies that know how to do business right. You've heard of Grip6 belts, right? Well, if you haven't, it's the only belt you can get online with no holes no flap and no
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Starting point is 00:10:05 I'm Chris Hogan, filling in for Dave this hour. And I'm joined in studio this hour by national bestselling author and host of The Ken Coleman Show, Mr. Ken Coleman. So we're taking your calls on money. We're taking your calls if you're stuck in a job that you absolutely hate. Or maybe you've got this call or this drive inside of you to do something else, but you don't know how to start. So either way, we want to hear from you. You can give us a call.
Starting point is 00:10:32 The number to call is 888-825-5225. Again, that's 888-825-5225, or feel free to find us on social media at Ramsey Show. You can also hit Ken up on social media at Ken Coleman or me at Chris Hogan 360. All right, I'm getting to the phones. We've got Natasha's on the line. Natasha, what's your question for Mr. Ken? Hi.
Starting point is 00:10:57 Well, my question is very serendipitous, actually, that I turned on my radio, and this is a subject that was on because I just came from an interview. It was for a contract position. It's going to be a 10 month long contract, but the position, it pays about $15,000 more than what I'm currently making. But it doesn't offer any vacation time. It would be, although it's a contract rule, it's a W-2 contract um and it would be doing similar functions um that i'm you know you pay role and invoicing and things like that um but just for a different industry and so i guess my question is is it worth the additional fifteen thousand dollars to move into a position that may or may not renew or just stay in a position that I'm not too happy in currently.
Starting point is 00:11:54 Well, I love this question, and I'm going to break it down for you, but I'm just curious what your head and heart are saying. Are they saying the same thing or are they saying separate things? Well, I'm really not loving my job currently. That's correct. That's what prompted me to start looking. I guess I know what the answer is in my heart, but I don't want it to be the answer. I feel like probably it's not a good move to take something that's not.
Starting point is 00:12:23 Well, let me tell you this. Let me tell you this. I could go either way, okay? But there's some conditions here. I'm okay if you take this if you understand that all you're guaranteed is 10 months. Now, you're going to make some more money, and that's going to allow you the opportunity
Starting point is 00:12:36 to do some good things. While you're in that contract of 10 months, you need to be assuming they're not going to renew it. And if they do renew it, now we've got another option. So what I want you doing is if you take that route, you're looking for something and you've got things lined up and ready to go. Because I think that the inertia, the idea of forward movement here gets you in a headspace where you need to be anyway, which is looking for something else. So I'm okay if you've got a backup plan ready to go. Now, your heart's telling you, eh, it's a little bit too risky.
Starting point is 00:13:10 I don't think it's that risky. I just don't think it's your best move. Let me tell you what your best move is, is looking for something that is full-time and not a contract situation that pays you a little bit more, even if it's the same amount of money, but you're out of a toxic environment, a place where you don't want to be. And that's what I want you looking for. Don't take the shiny new object here.
Starting point is 00:13:31 I don't think it's your best move. I'd be okay with it because, again, you've got to have a backup plan in 10 months. But I've got to tell you something, Natasha. I'd rather you look for something that is stable and long-term, that gets you in that area where you love to be. You're using what you do best to do what you love. And I think that's what you need to do. And I think this is the moment where you feel like, I've already stepped out and gotten a job interview. Keep going.
Starting point is 00:13:56 Let this momentum keep you moving forward. I think it's a big deal, Ken, and I agree with you. And I think when you understand that you have value and that you're not stuck, that's a beautiful opportunity. And so to get excited about this new idea is a good thing, but you need to think long term. And I agree with you, Ken. Finding something else that's full-time that allows you to continue to chase down your goals is going to be absolutely crucial and very important. Very good. All right, let's get back on the phones.
Starting point is 00:14:22 I've got Mitchell on the line. Mitchell, calling in from Illinois. How can I help you? Hey, guys. It's an honor to talk to you today. Thanks for taking the call. Oh, you're welcome. It's good to speak with you.
Starting point is 00:14:33 All right. Well, the good news here, girlfriend of seven years, I proposed to her on Wednesday, and she said yes. Hey! All right. Congratulations. Thank you, guys. I appreciate it. Was it ever in in doubt or you felt pretty good about it the whole time you thought there was no i was 99 percent it's confidence right there that's good all right so you you've gotten engaged
Starting point is 00:14:57 yep we got engaged we've already got a date locked in we're doing uh june 20th uh-huh here's my i'm not available i'm not available that date that's you guys can't make it no i can't can't can is that way i may be able to make it mitchell but go ahead what's your question all right well here's the question so i've already got let me save that for it because uh i'm the nerd in the relationship she's the free spirit uh-huh now i've got about 18 grand set aside but some back of the napkin math this morning and saying that we'll probably end up only spending somewhere around eight whoa so i'm gonna have yeah eight thousand on what um on the reception okay so for the wedding and the reception So I'm going to have, yeah, $8,000. On what? On the reception.
Starting point is 00:15:50 Okay, so for the wedding and the reception, only about $8,000? Yeah, we're doing it pretty low-key. Yeah, you are. Like a local VFW. Okay, this is good. Keep going. So here's my question. I am debt-free and no mortgage. I bought my first home in cash, but she is coming in and we are going to have somewhere around, get ready for it, about $200,000 in student loan debt. So my question for you guys is, do I take that extra leftover money that I had already
Starting point is 00:16:28 set aside mentally for wedding shenanigans and maybe do a little bit more of an elaborate honeymoon? Or do I just say, you know what, we're still going to do things cheap, but we're going to throw whatever extra towards the student loans and kind of get a jumpstart on that. Mitchell, how many degrees does she have? Well, she's got a master's degree, and she did like counseling, mental health, that sort of thing. Counseling and mental health. Okay. When you all are married, what will be your household income?
Starting point is 00:17:02 I would think somewhere around maybe like $170,000. Okay. All right. And so outside of the student loan debt, there's no other debt at all? That's correct. No house, no credit cards. Okay. All right.
Starting point is 00:17:18 So your question is, is how much to spend on the honeymoon? Pretty much, yeah. You've got $10,000 left 10 left over right eight for the reception and you got 10 to play with and he's got 18 total so yeah i mean i've been kind of advertising to everybody that i've only got 15 but uh you know i got a little bit extra in the back pocket well i'm gonna tell you this i mean you know to be able to do a wedding for eight is extremely cheap uh that is uh congratulations to you guys for being clear on what it is you want uh but i don't i don't i mean
Starting point is 00:17:51 it's your it's your honeymoon uh have no problem with you doing that for eight to ten uh if that's what you guys want to do i don't i wouldn't let the money burn a hole in your pocket it's a matter of where would you like to go and what are you doing from that mindset? Yeah, I mean, he's got $200,000. He's going, should I not do a nice honeymoon, take whatever's left over, and put it towards her $200,000? So let's just play that out. He's spending $8,000 on the reception. He's got $10,000 left over. Right.
Starting point is 00:18:17 Well, if he does a cheap, this guy could probably do a nice honeymoon for $2,000. I mean, he knows how to crunch the numbers. It's pretty obvious. He's got an $8, thousand dollar reception here's the deal uh i i'd take the nice honeymoon because you're about ready to buckle down i know you can hear him he's he's no nonsense oh he's ready they're gonna be getting after that 200 grand quick i'd go ahead and spend you know a good portion of that honeymoon enjoying kicking this thing off and then say hey babe when we get back it's rice and beans well Well, and here's the thing, Ken.
Starting point is 00:18:47 They're making good money if they do want 70. Making 170, and they owe 200,000. Here's the deal. He had already bought a home for cash, so I'm going to treat this student loan like a mortgage, meaning I'm going to make what I was making in a mortgage payment. I'm throwing all the extra money at this thing to get it out of your life. And then guess what? Then you look up.
Starting point is 00:19:05 You guys are young, newlyweds. You don't owe anybody anything. You got money staying with you. Yeah. You can go on another honeymoon if you want to. And you got a tan. Good memories. This is the Dave Ramsey Show. Do you know who is a prime target for identity theft?
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Starting point is 00:20:32 zander.com it's just the smarter more affordable way to protect your entire family and it's the only plan i provide to my team zander.com or 800-356-4282. Hello, everyone. You are listening to The Dave Ramsey Show. I'm Chris Hogan, filling in for Dave this hour. And joining me in studio is Ken Coleman, host of The Ken Coleman Show. A man that spends his time helping people who are stuck in dead-end jobs or they got something else that they want to do and they want to jump start it and they need some help. He's giving them the encouragement and the movement in the right direction. And of course, we're here taking your money questions.
Starting point is 00:21:20 So if you have one of those, I want you to call us. The number to call is 888-825-5225. Again, that's 888-825-5225. We are here for you. All right, we're going to go to Shay that is in Washington. Shay, how are you? I'm good. How are you?
Starting point is 00:21:37 Oh, I'm focused and not finished, young lady. What's your question for Ken? My question is, my husband is working a big paying job right now, and he wants to move to another company that is union-based, and they have pensions instead of 401Ks, and we would have to move our current 401K at the job that he has. It will be better for his future and his stability with his schedule because right now he works 24 hours a day or seven days a week on call.
Starting point is 00:22:16 And I was just wondering, we're in baby step two. Is it smart to take a job that is lower wages and that you don't have the ability to, you know, if you want to work overtime or gain more money, is that something that we should do? Or, I mean, we're still paying off like about $30,000 worth of debt. Yeah, I don't like moving jobs to a lower-paying income unless it's very short-term. Now, you know, if you can do it, meaning you're still moving forward in your baby steps and you're moving some numbers around, I'm okay with it. The answer is you can move. For all of Dave Ramsey's audience, you can change jobs while in your baby steps.
Starting point is 00:23:02 But we're not going to jump off of a cliff we're not going to quit something we don't love and then not have any income and just kind of ride the wave of i hope i get something before my next set of bills comes around right in this situation though shay here's what i'm curious about you said that this new job or this job he's considering is better for his flexibility and his future i understand how it would be better flexi flexibility wise because he's not working 24-hour shifts but when you said it's better for his future. I understand how it would be better flexibility-wise because he's not working 24-hour shifts, but when you said it's better for his future, what do you mean? Because you told me he's taking a pay cut. Is it a temporary pay cut and then he works his way up?
Starting point is 00:23:33 Explain that to me. It is a temporary pay cut. He works his way up. After the first year, he would be getting a raise, and then every six months after that, he would be getting a raise and then every six months after that he would be getting a raise until he topped out okay let me ask you this after the first two years okay great so when he gets that raise after the after the first year of service will that take him above where he is now or will it just get him back to break even it would probably get us to break even on one of our lower years. Okay. Okay. So now this becomes, here's the situation.
Starting point is 00:24:12 Have you two talked about it, Shade, where you say, okay, if we did this, we can tighten things up and still make progress on our baby steps, or would it put you to a situation where you made no progress on the baby steps? We could still put progress towards the baby steps, but we would probably have to use some of our 401Ks. Nope. Chris Hogan just snapped his head back. That's a non-starter. And I'll let Chris take over for this in a second. Here's the deal, Shea. I'm wondering if he were to take this new opportunity,
Starting point is 00:24:41 which has a much better future, and could he commit to a second job a part-time job to make up the difference has that been discussed just for one year he works for me i'm a stay-at-home mom right now i could do that i could work opposite of his hours that he'd be working with the new job because it has a set schedule. The current job I can't work opposite schedules for because it's not a schedule at all. Well, I've got to tell you something. Then my answer is, Shea, this is a good move if you are okay with it, and you said you
Starting point is 00:25:15 are, and he's okay with it. I mean, both of you agree with his plan that for one year you go back to work and you make up the difference. I'm absolutely fine with it. And I think it's the right move because it gives him a better future yeah and uh more flexibility which is good for her and the family so one way the other either he picks up a part-time thing and this is for 12 months period of time it's a very short period of time and jay i do not want you all touching your 401k no uh i mean i need you to hear me with that that never becomes a viable option because all you're doing now is stealing from your future.
Starting point is 00:25:48 Yeah. And not to mention causing some tax situations that you're going to have to deal with as well. So don't use that. That's not a viable option. But as Ken was laying out, you know, taking that shift and looking at a part-time job, that could be something that you could do. That's something that could put you on a trajectory to really start to clean up where you are, but then that start to move forward, which is really, really important. I want to encourage you and your husband to sit down and have a conversation.
Starting point is 00:26:13 Kind of look at the pros and cons. I want you all in 100% agreement on it before you make a decision. And that takes some time, especially if everybody's being real and honest. But that's the right move because now everyone's committed to it, and we know what we're doing and for how long. So that's what I would do. Okay, I got, let's see, Alex on the line. Alex, how can we help you? Hi, Chris.
Starting point is 00:26:37 Yes, I was giving you a call because I recently, my wife and me, we started making more money, but we got more into debt. And it wasn't until... Hello? Alex, what happened? Can you hear me? Yeah, I can hear you. Sorry about that. Yes, I'm just calling because my wife and myself started making more money, and we found ourselves getting more into debt, and we didn't find Dave Ramsey and yourself until this year,
Starting point is 00:27:07 and I wanted to review our strategy and see if we're doing the right thing in sticking to paying off our debt or if we should do something else to get help faster. Okay. Well, how did you make more money and take on more debt? Actually, I actually worked a full-time job. I took an internship internship i changed my careers okay and i started a small business so i've been at it a hundred percent and it wasn't until the end of this last year that we realized we're making more money but we're sinking we're still
Starting point is 00:27:39 the same spot so um we we put a budget we have a written budget. We paid down about $12,000 last month. We have a plan right now to pay down $5,000 to $6,000 a month, and hopefully we get out of debt. We started with $135,000 in 2020. Okay. So is this business you started, is it making money? Right now, I'm not making any money on it. It's a recurring business, and I'm building a customer base. Right. So how much is the business costing you right now per month? Right now, it's only costing me only about $400 or $500. It's not costing me much.
Starting point is 00:28:21 I'm doing it out of my home. And the only cost that I have with it is my leased vehicle. And I got that lease thinking it would help me to get to my full-time job. Okay. All right. Here, pump the pulse. Time for a reset. All right.
Starting point is 00:28:37 Alex, listen. Yeah, this is what's happened. You had a bump in income, and you guys are starting to lose track of what caused the traction, meaning awareness. And I want you to slow way, way down. You guys are getting out ahead of yourselves. These baby steps are in place for a reason, my friend. It's systematic steps moving one to the next. And so you've got a lease vehicle.
Starting point is 00:28:59 Number one, get out of that. Click, finish that thing. Clear it up. It has no indication of how your business is going to be successful or not. Don't buy into that lie. Like, you don't need to go rent out 5,000 square feet of office space to have a business. We've got to shift our mindset. Now, being intentional, you guys, you paid off $12,000 last month.
Starting point is 00:29:20 That's a good thing. But I want this business to really be put on pause right now. Right now, it's a hobby. It's not making you any money. It's costing you. It's costing you $500 a month. That's a good thing. But I want this business to really be put on pause right now. Right now, it's a hobby. It's not making you any money. It's costing you 500 bucks a month. You just found him six grand in debt elimination by pausing the company. In one year. One year. In one year. And I'm not telling you that you can't become a business owner, Alex. I'm just saying, looking at this, we got to be honest with ourselves. Your income has increased, but so is debt, which means we got to balance this stuff out and begin to take back control and ken i don't think there's a problem for him to tap into this business
Starting point is 00:29:49 later after they cleaned up their mess absolutely get stable then we start the side hustle back up and my goodness stop leasing cars stop taking no no leasing pay cash leasing. Take cash for cars. This to The Dave Ramsey Show. Hello, everyone. You are listening to The Dave Ramsey Show. I'm Chris Hogan, filling in for Dave this hour. And I'm joined in studio by Mr. Ken Coleman, who spends his days helping people get unstuck, get clear, and take action to find their dream jobs and the things that they're called to do. So we've been taking your calls on money. We've been taking your calls dealing with career and getting unstuck. Ken, I want to hit you with a question.
Starting point is 00:31:12 This is from Juan on social media for you in the official Ken Coleman community. He asks, I'm currently in baby step two and my wife is pregnant. She's due in June, Ken. He says, I have a new job opportunity as a flight attendant, but there's going to be a period for a month where I don't get paid. What should I do? Well, I mean, this comes down to, is this what you really want to do? Now, this is a question on social, so I can't go back and forth, but let's assume he's on the air with me. I'd say, is this what you really want to do? And most likely he's going to say, yeah, I've always
Starting point is 00:31:44 wanted to do this. I've been trying to get this gig now i got it but oh my gosh life's throwing a curveball at me and there's this period if you will where i'm gonna not get paid because of the transition and he's freaking out a little bit right because we hear baby coming oh my gosh uh the kid's gonna starve yes we're gonna going to get kicked out. And that's not going to happen. So here we are in February. The baby comes in June. Figure it out. Cut.
Starting point is 00:32:14 Go do an extra gig for the next three, four months. We're in the hottest job economy in the United States history. There's more jobs available than people are employed. Juan needs to go make the amount of money and then some for that one month. What's your one month pay? We know he's got the gig waiting on him. Let's come up with that extra money. It's sitting in the savings account and he's ready to go. Ken, here's the thing that jumped out at me. I agree with you 100%. But he's getting ready to take a job as a flight attendant with a baby coming. Yeah, but he didn't bring that up. didn't say well you know it's going to
Starting point is 00:32:45 take me away from the home should i do it he it's not an issue i can tell the issue is he's worried about that that issue and pay he and his wife i assume have talked this through have talked this through and you know he's gone three four nights a week whatever that is okay i know i'm with you yeah i feel like that's something they need to talk about i think it's a good point for you to bring up yes it is a good point that's very good because i don't want him about two months into the job coming home getting the look where he's been all over the place and he's not there and yeah i agree i agree but when he's home he's stepping up he's doing laundry he's doing dishes he's sending mama to the spa i mean he can do this there you go i got a plan for
Starting point is 00:33:25 you one i got a plan all right one do what we told you it's going to help you all right next up on the line we got christina on the phone christina what's your question for ken and i so i'm in a position right now where um i'm actually taking the resume guide and i applied it to our application because they don't accept resumes for my current position and the ones I've applied for. The first position I applied for, they were both for promotions. The first one, I was offered an interview and was stated and I was told directly that thank you for interviewing. It was a great interview. We appreciate it. However, can't lose, we can't afford to lose you in the position you're currently in because of the position I'm holding. So I wasn't offered that job, which is fine.
Starting point is 00:34:13 Second interview, I was actually stated that I didn't even get to the actual interview. They said they couldn't provide me an interview. And when I asked for feedback to know how to improve my resume or myself, um, to know what I was missing, they stated that they couldn't provide any feedback. And I'm a little, I, I get very, um, self, I defend myself really, um, really well. Sorry. I got really nervous. So I'm not sure if I should stay where I'm at and just endure the suck and keep going or try three different industries. Yeah. Well, Christina, you called us because you have a gut feeling, and I feel like you and I are on the same page, but I want to make you tell me first, what do you think you should do?
Starting point is 00:35:01 I'm a person that I'm never going to stop trying um but i love the industry i'm in but at the same time i feel like there's something or somebody um kind of sabotaging in a way you are right where it's it's like well no we can't afford a loser so don't you know if she applies don't hire her that's exactly right something smells fishy chris now we don't hire her. That's exactly right. Something smells fishy, Chris. Now, we don't know what it is, Christina, but here's what has been revealed. That you are not in a, what I would call a healthy culture. And what I mean by that is you don't have a leadership structure and a group of leaders that speak clearly. Now it's well known, Chris, you said this from the Entree Leadership stage, because Dave has drilled it into our heads.
Starting point is 00:35:46 To be clear is to be kind. To be unkind is when you are unclear. And this is a situation that is about as murky and cloudy or foggy as it can get. And here's what it's doing, Christina. It's making you feel very unsettled, yes or no? Yes, definitely. So here's the great news. You're clear on what you want to do.
Starting point is 00:36:07 You know the industry. You know the role, the results. You're clear. And you've just been given a warning sign, and it's time for you to start looking. And I would not feel guilty about that. I'd stay put until you have something else to step into. But I think they have shot themselves in the proverbial foot here by trying to hold on to you instead of develop you.
Starting point is 00:36:30 And at Ramsey Solutions, we are known for two things with people around here. We develop people, and then we promote them. And I agree with you. And, Christina, here's the deal. How you move forward is going to reveal everything about you, meaning although you know something's not quite right, I want you to go in with your head up high and doing the job to the best of your ability, being as kind as you've already been to people. And when they ask you about that, hey, did you
Starting point is 00:36:55 get a chance to do that? You said, you know what? I wasn't selected. Taking the higher ground. Why? Because you don't need to burn bridges. And I'm going to tell you, you don't need to get to sink to their level. You go high. You stay focused and start looking, as Ken's telling you, reaching out. And you don't leave until you have something. But you're bigger than that place. You're going to move on and do some amazing things. It's just a matter of remaining aware of what skills you bring to the table.
Starting point is 00:37:21 And more importantly, how are you growing? And I think that's important, Ken. Yeah, and I'll say one final thing. And for anybody that's in her shoes, Christina's shoes, don't let someone else's limits make you limit yourself. It's their limits. That's what's going on in that building. That should in no way limit Christina in the way she looks at herself,
Starting point is 00:37:43 the way she believes about her future. You know what? It's just not the right place for her. They tried to be scarcity mindset, and she's about abundance. I'm looking out. I'm looking forward. I think it's great advice. Do not blow up the bridge.
Starting point is 00:37:56 Just walk out with a smile. Then when you get in the parking lot, look back at the building and go, deuces. Absolutely. I tell people all the time, I accept compliments from anyone. I don't accept limitations from nobody oh and so that's that'll please and that is absolutely crucial uh let's see if we can get one more call in real quick uh let's see here i've got uh krista on the line krista what's your question real quick yeah hi um my question is is we're just tired of living in the middle
Starting point is 00:38:22 we just want to know how we can get ahead. Like, we're really good with money. Our house is paid off. We have no debt except for I have a new car, so I'd make a $250 car payment. I don't need the new truck, but we can't afford it. We just feel like we can't take vacations. We can't do this. We're just, you know, we live comfortable, but we never have any money to do that kind of stuff.
Starting point is 00:38:49 What's your all's household income? Oh, about $64,000. Okay, $64,000. You're telling me homes paid for, you got a car payment of $250 a month. Correct. Okay. Well, you guys, you're not budgeting. You guys are doing whatever it is you want to do by the seat of your pants.
Starting point is 00:39:08 Because there's no rhyme or reason why that doesn't make sense. I mean, you all need to sit down and do a budget. Go to everydollar.com, sit down together, sit and really look at this. $64,000, no mortgage, and you got a $250 car payment? That doesn't make sense. And so I don't know, you know, you guys, you can't a $250 car payment? That doesn't make sense. And so I don't know. You know, you guys, you can't be budging. You must not be on the same page.
Starting point is 00:39:29 So I'm going to encourage you to get serious and get tapped in on that, first and foremost, and take back control of your money. Working too hard for that. So, yeah, that's what you need to do, bottom line. Listen, Ken, I have had a blast in here with you today. It's always fun. It is fun. We're going to be together, by the way, next month in Orlando.
Starting point is 00:39:47 Smart Conference. That's going to be legit. It's always fun. It is fun. But this is fun. Listen, if you've not had a chance to come see one of our events live, I want you to come check it out. Smart Conference, Orlando, Florida, April 4th, 2020. You can get your seats at DaveRamsey.com slash events.
Starting point is 00:40:03 Well, listen, I want to thank producer James Childs I want to thank call screener Amanda Rogers I want to thank all of you all for tuning in I want to thank Ken Coleman for taking the time to come in here and hang out with me this has been the Dave Ramsey Show. Did you know you can now listen to The Dave Ramsey Show on Pandora and Spotify? For all the ways to watch and listen, check out our show page at
Starting point is 00:40:45 DaveRamsey.com slash show.

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