The Ramsey Show - App - Don't Climb Over Someone Else to Lift Yourself Up! (Hour 2)

Episode Date: December 7, 2020

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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, Ken Coleman, Ramsey Personality, host of the Ken Coleman Show, where they talk about careers and jobs and finding your passion, is my co-host today here on the air. So we will be talking about money and about life and about your careers and your job positions. Open phones at 888-825-5225. That's 888-825-5225. Casey is with us in Grand Junction, Colorado. Hi, Casey. Welcome

to the Dave Ramsey Show. Hi there. Thanks for taking my phone call today. Sure. What's up? So, hold on just a second. So, I am a teacher, and I am kind of done teaching in the district. They kind of have a monopoly on an hour's worth of drive of where I am. So I'm trying to figure out, should I stop teaching at the end of the school year and make the hour commute to a new district? Well, I will be more happy. I used to teach there, but I would make about $10,000 less, and I would have to drive, obviously, an hour. What would I consider starting my own wedding planning business, which I have done for the past three summers, but it's not completely established. Is the long-term dream,

if we fast forward five or ten years from now, are you running this wedding planning business as a sole proprietor and building this thing? Is that the dream? That would be lovely. I don't know. The market is pretty flooded here already. So I'm not sure if it would be something that I could do full-time or not. But I'm saying, would you love for it to be full-time if you could make all of that a reality? To be honest with you, I'm not 100% sure, but I wouldn't be 100% sure about teaching either. Right. So I'm kind of lost. Okay. Well, I don't think you really are. I think there's a reason why that you are considering driving an hour and making $10,000 less. And I'm curious as to what's

going on, why you would leave one teaching position to make less money and drive more? Yes, I know. So what is it? Sorry. What is the reason why you would consider making less money and spending more time in the car to do what you're already doing? Well, because what I'm doing, where I am already, I am fairly unhappy. I'm happy at my school, but my district, the people that make all those decisions are being really terrible, and I really just don't want to work there anymore.

Okay. Really terrible ethically or doing some things that you just disagree with, and is it towards you or is it to everybody? It's just in general. I've just gotten tired of working for this district. Okay. Well, you've got a couple things going on here. Because the side hustle is something that you have gotten up and going, it's not fully established, but it's something that you enjoy,

are you paying yourself any money out of that? Is it making enough to pay yourself? No, not yet because I am mentoring with somebody right now, so I really don't make much money at all. Just because she owns the business right now and I just mentor with her. Yeah. Well, here's the thing. I think that you've got to decide where you really want to be.

And before you make any major decisions, including leaving this current district, I really want you to get clear on what the big dream is. You should be thinking about at this stage in your life, what is it that I really want to do? I call it working in the sweet spot where you use what you do best to do work you love to produce results that matter to you. And you're still a little iffy on this idea of the wedding planning. I think it's got a good amount of passion. You enjoy that work. But you've got to decide the big picture. When you do that, then you say, okay, what's the best move for me?

But I will tell you on the surface right now, I don't think it's a wise move to move to this other district. You're going to be spending more time in the car. There's some physical costs. There are financial costs to that. Plus, you're taking a $10,000 hit. I'd rather you sit tight, bite the stick, deal with it. I know it's not a perfect situation. I know it's not ideal.

But until you know what you ultimately want to do, then I think you've got to figure that out first, and then we make some decisions. But I would keep moving forward on this idea of learning enough to be able to start the side hustle. Why did you go into teaching? Oh, I love students, and honestly, like, I've worked for this other district before, and I absolutely 100% loved it, and I used to commute, and I did love it. Are you single? No. No, i'm married

and my husband lives here yeah and and he lives how far away from this district does he do you does he work about an hour so he works in the town that you live in yes okay are you renting or do you own we own our house. Okay. Because you could just move halfway between both of you have a 30 minute and make a little lesson. You loved being over there. So what is it that you loved about teaching? That's what I would revisit.

I think the wedding planner thing is an escape. Just listening to your, you're just not that fired up about it. You've never really made money doing it. Just something you were messing with on the side. Some friend of yours thought it was a good idea or something. But you get juiced talking about teaching, except that this one district stole your joy. And so I might be wrong, but I'm with Ken. You do not run from things.

You run to them. Yeah. And you're running from this district in this phone call, and that's fine, but that's only fine after you figure out what you're running to that takes you to your long-term goal. There was a little comment in there, Dave, where she said, I don't know if I want to do the wedding thing full-time, but I don't know if I want to do teaching either.

And that's enough to do what we're saying here, which is, okay, why did you get into teaching? Do you really want to teach if it's not in the classroom? Do you want to do corporate training? She loved every bit of it in the old district. She did. So that goes to show you that there's some toxicity here. Yeah, serious.

Diana is in Austin, Texas. Hey, Diana, how are you? I'm great. How are you? Great. How can we help? Okay. I recently moved my elderly parents closer to us and we've been going

through some of their finances. And I recently found out that my father, who's 87, has been paying 20 years for a whole life policy at $170 a month. And I freaked out about that. And I just didn't know whether it's a good idea to cancel it because my mother is 89. They don't have any debt. We're about to sell their house in the next three months, and my dad has only Social Security. My mom has Social Security and a pension. Do they have any money? I'm sorry?

Do they have any money? They have't i'm sorry do they have any money they have about 20 000 in savings so how are they paying 1200 a year for a policy just scraping it out yeah yeah my dad's the one been paying and what's the face value of the policy what's it pay if he or winning dice? It's $45,000. And I think the cash value is about $4,000. I think he took out the money a few years ago. To me, I want to cancel it. Yeah, probably. I mean, I'd seriously consider canceling it.

The thing is, you're betting against the statistical probability of an 87-year-old living with $45,000 on the line, and you can keep it alive for 12 more months for $1,200. I'm kind of tempted to keep it. You're not going to get another one, that's for sure, but I'm kind of tempted to keep it in this case because I've got no money, especially if you can help him subsidize it and keep paying it. This is the Dave Ramsey Show. The very last thing Christmas should give you is stress. So our famous $10 sale is going digital.

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Our question today comes from blinds.com. They have a 100% satisfaction guarantee. That means even if you mismeasure or you pick the wrong color, they'll remake your blinds for free. You get free samples, free shipping, and with the new promos they run every month, you'll save even more. Use the promo code RAMSY to get the best possible deal. All right, today's question comes from Maddie in Wisconsin. I'm 24 years old, and I started my current job back in March 2020. I started as part-time at $16 an hour, which was perfectly okay.

Then in August, I became full-time. In my first week of full-time, one of my coworkers told me he makes $18 an hour. I feel I'm being compensated unfairly and don't know how to handle it. I have a lot more responsibility than this coworker who is very lazy and messes up a lot. Wow, Dave. So this is tough because there's psychology involved here. You know, you go in and you know what you're making. And all of a sudden you find out a coworker has more money that's coming in per hour and you begin to do the comparison. And I'm not

saying that, Maddie, that this coworker isn't more lazy or isn't messing up all the time. But the reality is, is you can't focus on what he's being paid. You've got to focus on you. And this is a very tough thing because, again, you've kind of got this sticking in your head. And you can't allow that voice to say that they value this person more than they might. But it could be a story that you don't have the details on and you don't need to know, and they didn't tell you, but you found out because that person was irresponsible and talked about what they make in the workplace what you've got to focus on is does this opportunity that you have right now does it allow you to be on the ladder

and allow you to climb up to the next rung the next rung the next rung is preparing you for the future and if that's the case then you focus on winning in the now so that that next will show up. And this is not fun, but you need to focus on what you're doing and then talk with your leader about what your growth plan looks like. What do I need to do to make myself more valuable, provide more value to the company? How do we measure that? And then how does that play into my compensation? And even though that number's in your head, it's going to be hard to get out. It's's impossible actually. That's how you're going to have to focus on that. Dave, I get that call a lot on the show where somebody finds out that somebody younger came in and is making more money than them. And it creates a real, real problem psychologically to get over.

She says a little more background. I have a bachelor's degree and I'm working on my master's in the field. My cowork-worker only has an associate's degree. I'm not as sympathetic as you. No. You sound pretty entitled to me, Maddie. Oh. You took a job at $16 an hour, and you were perfectly happy, and you weren't snooty about your freaking academics

until you found out someone with less academics and that you don't respect is making more. Their position has absolutely nothing to do with you. That's right. Stop your dadgum whining. That is a different approach. I don't disagree with what you said. I was trying to help her deal with the fact that. I know.

You're sweet. You're a nice guy. No, but here's the deal. No, I mean real. It is a real. Is she being entitled? Yes, but is it also... Let me just tell you,

if she came in my office and was working for me and said that, I would say, thanks for your service up to this date. Right. Hit the road, Jack.

Which is why I told her, you don't talk about the fact that he's making $2 an hour more than you. You focus on you. You are not entitled to more money based on what someone else makes

or based on your freaking degrees. It's true. You are entitled to more money based on what someone else makes or based on your freaking degrees. You are entitled to more money based on the fact that you bring more value to the organization. And what George gets paid is irrelevant. It's irrelevant. That is true to your journey. It's irrelevant. You bring value. You will get rewarded for the value you bring.

So what I think is i think he messes up a lot i think you mess up more than he does and he you said he's lazy i think you're lazier than he is that's what i'm reading wow now that i didn't read into that i do read into that that she's going i'm as soon as i start climbing on his body in order to lift myself up i start reading all kinds of that is true well she's got him under a microscope now because she's comparing herself to him that's the cancer i'm you're just you're just a lot nicer than me i'm just not in the mood unbelievable you took the deal you took the deal yeah it's there's a there's a parable in the bible about this yeah you got you this is the deal you

took yeah i agree this is the deal you took and Yeah, I agree. This is the deal you took. And, you know, and you're going to gripe about the laborer that came in later in the day and make the same exact wages that you made. And the Lord said, I gave you a deal and you took the deal. Right. Well, that's true. And I skipped those last two sentences because I think that that makes her it does make her look petty. Who cares that you're working on a master's? Who cares? The fact of the matter is you've got to deliver results.

Yeah. And you've got to deal with your leader on what you're getting compensated for. It's none of your business. Just because this guy told you doesn't all of a sudden make it your business. That's the problem. We've had a lot of people in 30 years of employing people attempt to say they were valuable because of their degrees. And I keep explaining to them that your results, your raise is effective when you are. I love that.

Your raise is effective when you are. And so if you got a master's degree and the knowledge that you gained while getting the master's degree causes you to be more effective, then you should earn more. But the fact that you have a master's degree does not make you worth more. That's 100% correct. You're not more valuable. You don't get to say that you're more valuable because you've got more letters behind your name than somebody else. That's entitled BS.

That's exactly what it is. Open phones at 888-825-5225. Now I'll be nice. Let's give away some money. I need to try sometime, Dave. I need to try that approach and shock you. I need to come at somebody like that. You and Rachel are always just nice.

It's good cop, bad cop, right? You want some extra cash this Christmas? This is the final week to enter our Ramsey Christmas Cash Giveaway. It could be your last chance to win our grand prize of $5,000. Enter daily to win to increase your chances of winning the grand prize of $5,000. Plus, it's not too late to get your life-changing gifts during our famous $10 sale. That means you can gift books like my number one bestseller, the Total Money Makeover, for only $10.

And this week only, the Proximity Princi principle and Love Your Life Not Theirs audiobooks by Rachel Cruz and Ken Coleman. The two nice ones. They're on sale for $3 each. These are the perfect gifts to get you and your loved ones started on the right foot in 2021. Save some cash and sign up for the free $5,000 giveaway. No purchase necessary for that. Check it all out at DaveRamsey.com. Open phones at 888-825-5225.

You jump in, we'll talk about your life and your money. So since we kind of went on my little side rant there, let's talk about from an employer perspective what the role education plays is well it's this might shock some people but education does not play as big a role in your employer's decision or potential employer's decision to hire you or to give you raises you think here's what it comes down to your leader is trying to win they're trying to win in their role they're trying to win in their role for the organization and when they look at you they're saying does this

person help me help us win by nature of their role in leadership they are charged with leading a unit if we can call it that and they are driving towards a mission and just because you went and got out so we and got some certifications or maybe you've got a bachelor's or you've got a master's or whatever. To the extent that that indicates that you can help me win. That's it. But even then they're going to say it's not because of the degree. Did you learn a skill that you can immediately apply in the team?

So think of it like a military operation. We're going to try to take this hill. And everybody on the team, you've got the radio guy, you've got the medic, you've got the captain, you've got the artillery, you've got the whatever. And that team, everybody's got to win in their role so that the team wins. And if you can't show your leader that any education that you have already achieved or what you will go get allows you to play that role better, be more effective, it's not as big a deal as you think. I actually believe education in that area does put the tools in your belt to help you be able to add value. But the actual degree itself, other than the fact that it's an indication you may know some stuff,

but it's this idea that this is somehow you can have zero people skills. You can, you know. No experience. No experience. Your appearance is absolutely horrendous, and you have body odor. And, you know, but you've got more degrees than a thermometer. You don't get to sign up, baby. That's not how it works.

This is the Dave Ramsey personality, is my co-host today. Open phones at 888-825-5225. In the lobby of Ramsey Solutions on the debt-free stage, Matthew and Tiffany are with us. Hey, guys, how are you? Hey, Dave. Doing great. How are you doing? Better than I deserve.

Welcome. All the way here from where? Where do you live? Tampa, Florida. All right. To do your debt-free scream. Yes, sir. How much have you paid off?

We paid off $135,000. Awesome. And how long did that take? 39 long months. Okay. And your range of income during that 39 long months? We started off at about 85, and we ended at around 115. Good.

What do you guys do for a living? I am a health care worker. And I work for a boat builder and boat repair. Oh, perfect. Okay, cool. And what kind of debt was this $135,000? It was a lot of Sally Mae. $112,000, give or take, was my student loan debt.

I also had about $15,000 in car debt. And then there was about $5,000 in credit cards between the two of us. And the rest was miscellaneous. A little bit of Matt's cell phone, a little bit of medical debt. We've got a pretty accident-prone kid here. So lots of medical debt there. And then the other stuff was a 403B loan. Okay.

So what happened that started this whole journey 39 months ago? So at the time Matt and I were still dating. I had been a single mom for almost six years. Little Sammy here was about nine at the time and in the span of about a month my rent went up. My daycare went up. Everything was going going up I had gotten a raise at work so I was like yes this is awesome this is gonna help it kicked me into a new tax bracket and my paycheck went down so I had about 1400 extra dollars a month in expenses and less money coming in so basically left me feeling like what do you do I'm barely I'm a single mom I'm barely making ends meet you know know, putting food

on the table was hard enough at that time. And I told Matt like, this can't happen. Like I can't keep living this way. Um, and at the time our good friends, Elise and Davina, shout out Elise and Davina had been posting all over Facebook about how they had been paying off, you know, 15, I think it was 15 or $20,000 in a year. They paid off. And I was like, we have to do this. Like, that's not even a question anymore. I had been putting off trying to fix it for years.

I had no more forbearance time left. All the short term solutions, they weren't solutions. It was just pushing it further and further down the road. Kick in the can. Yeah. The bill had come due and Sally Mae was just, like you said, she had set up in our spare bedroom, and I wanted her gone. So I came home and told Matt, like, we need to do FPU.

She brought up the FPU, and at first I thought, what is this, some type of scam or something that's going to take money from us, pay money to learn how to use money. Then I looked into it and saw the principles and everything that went into it, and it turned into a no-brainer for us. So we went and bought the DVD package and spent date night sitting on our couch kind of watching the DVDs and looking at the book. So you were saying single mom, and now you're married.

So at what point in this process did you all get married? Nine months into it. Okay. All right. So nine into the 39. We had decided that we were... You were attacking it as a dating couple, a fiancé, and then you attacked it together. Correct.

And we had decided we were going to save money to get married later, and we actually got married at the courthouse, just went and did it and um then we ended up needing that money for expenses for the kid and now looking back getting married at the courthouse and just doing it was probably the best thing that we ever did wasting that money on a wedding it kept us moving right well it enabled you to combine and work together in a different whole different level. Correct. Well done. Way to go, you guys.

Okay, so you watch the DVDs at home. Yep. Takes 39 months. You pay off $135,000. You're what's called successful. Way to go. Thank you. You're what's called accomplished.

Way to go. What do you tell people the secret to getting out of debt and getting in control of your money is? For me, it was just believing in the system, believing in the program, doing the steps over and over again to motivate myself to get out of bed on the weekends, to bring myself into work when I necessarily didn't have to be there, but to earn extra money to get out of debt, to not have this hanging over us while we're starting our lives together for Sammy and for our baby on the way to get this pushed out. All right, and in the process, we get baby on the way. Congratulations. That's awesome.

Thank you. For me, I think it was remembering. At the time, it was just the one kid, but he's going to have a totally different life than she is. We've set her up for something totally different. And I was working two jobs. Matt was working. I mean, we were working like crazy. We were never seeing each other.

I missed out on a lot of family events, a lot of time with him. I was used to being the parent, and I came to never see him, and it was really, really hard. But he would tell me in the car all the time, Mom, you're going to do this. You got it. You got this. You got this. Nothing like that kind of cheerleader.

That's awesome. He was the number one cheerleader every day. All right. Very good. How old is Sammy? He is going to be 14 in February. 14. What was the most extreme thing you guys did other than working those crazy hours?

I sold a lot of my precious shoes. Oh. Anyone who has known me for longer than when we were getting out of debt knows that I loved my shoes. You can see them in our pictures there. And I didn't have any that were necessarily expensive, but they were some that women just love. And it was hard. I think I sold 30 pairs of shoes. Whoa.

Wow. Have you indulged in any fun shoes since becoming debt-free? No, because now I'm pregnant and I don't want to wear them. Well, those are going to feel really good once you actually buy those shoes. I'm going to be so out of practice, I think, with wearing them, but I'm willing to try. It'll come back before you know it. Well done, you guys. Well done. Very, very, very good job. So now that it's all done, how's it feel? Indescribcribable yeah there's a huge weight lifted off we can breathe yeah for sure just feels great makes me smile every day knowing setting our

family up for a better future yeah and we did it so early on into our marriage like there's nothing that can stop us right well you did it actually before. Yeah. Yeah. So, I mean, really early on. Yeah. I told him he was going to get with it with me or we were going to have a problem. Whoa.

That's how I got with it. Good decision. Very good decision. Good call. Good call. Well, well done, you guys. We've got a copy of Chris Hogan's book for you, Every Day Millionaires. That is the next chapter in your story. I want to hear from you when you're an edm one of these days and that'll happen before you

know it way to go way to go matthew tiffany and sammy the cheerleader certainly cheering mom on there that's good stuff 135 000 paid off in 39 months making 85 $85 to $115. Count it down. Let's hear a debt-free scream. Three, two, one. We're debt-free! Woo-hoo-hoo-hoo-hoo! Well done, you guys. Well done.

That's awesomeness right there. Very, very cool cool very cool every year at christmas right before christmas we do one of the most requested hours here or days rather on the air we do we devote an entire day of shows three hours of shows to giving stories stories where you have given something and you got the huge blessing of being the giver. Or maybe it was something where you received something and you want to just kind of brag about what it feels like on the receiving side, brag on the giver. We want to promote generosity, particularly this time of year. So we need to collect some giving stories.

We need to set some of you up to call in and do your story here on there, tell your story here on the air. You do that by emailing Kelly at just email her at the Dave on air email address, which is Dave on air at Dave Ramsey dot com. Dave on air at Dave Ramamsey.com, DaveOnAir at DaveRamsey.com. And if you'll email in to that and put on there giving stories, put a little bit about your story, Kelly will get back to you and schedule you to be one of our callers on that day.

We look forward to hearing from you. This is The Dave Ramazy Show. Ken Coleman, Ramsey Personality, is my co-host here today. We're answering your questions about your life and your money. Connor is with us. Connor is in Canada. Hey, Connor, welcome to the Dave Ramsey Show. Hi, Dave. Hi, Ken.

Thanks so much for having me on. Sure. How can we help? Yes, so I'm calling from Montreal, Quebec, Canada. It's a bit different system here than yours, but I have a two-for-one scenario. In March, I actually lost my job. I was let go as an insurance broker, so that's my profession.

I had been applying to become a border officer for the past three years, so I'm still in that inventory list, and I've went through all the steps to become a border officer because that's truly what I want to do long-term. A part of those steps was I had to do a medical, and in the medical, they found that on my left ear, I had a slight bone issue. So I went to see a doctor. The doctor evaluated. He said, yeah, you have a little bit of a frequency hearing loss. So I had difficulties with like whistling

sounds and stuff like that, but I could understand speech a hundred percent. So that wasn't the issue. I still wanted to look into the procedure to see what the option was and see how it could help me. So the doctor said, listen, this is a 98% successful procedure. Have faith and confidence in me. We can do this and everything will be okay. I ended up getting the procedure. I fall into the 2% unfortunately. I'm deaf in my left ear now. The doctor dropped a prosthetic in my head, left floating in my brain. And it's a little bit emotional, I apologize. And I guess he damaged all the hair cells.

So it's my speech recognition and everything, my severely to profound hearing loss in my left ear. So my question now is, I still pass the medical requirements because I have one good ear, as you can see I'm talking properly, to become the border officer. The border between the U.S. and Canada is still closed shut, and that industry is virtually dead for the time being. I'm still unemployed as of March, and I'm living off the government right now.

I've called lawyers, and they've said that they can sue the doctor on contingency fee. They would charge me $5,000 for a one-shot fee, and then if I win, I win the winnings. But if I lose, I potentially have to pay all the doctor's lawyer's costs, which would be, you know, 100 grand.

So it's definitely a risk question. My first question is, yes, so what would you say on the risk of a lawsuit, and what would your response kind of be on that? I don't have any idea. I think you would have to meet with a couple of attorneys on initial, you know, with an initial consultation, which most attorneys will do for free, and they need to convince me that I've got a real shot here, but I have no idea. And plus, I don't understand Canadian law either. I've got a decent grasp of U.S. law, but that's different. And so I don't know what your tort reform laws are there

and how much limitation there is on docs because you've got a completely different system of medicine too. So, you know, you'd have to ask an attorney there. I'm dumber than a rock on this, and so is Ken. I'll just go ahead and say he's dumb too. But very nice, apparently. Good cop, bad cop. Yeah.

Okay, well, I mean, the risk would be that I would have to lose $100,000, and I'd go in the hole $100,000. Yeah, so I need a real high probability that that risk is not going to occur. But you've had a real high probability before, and it didn't work out for you. So you might be a little gun-shy on that. Yeah, and, well, the second scenario is, as I've mentioned, I'm still unemployed. I've just kind of been depressed and kind of hard to jump back into motion here. And Quebec, where I'm living, is virtually half shut down.

It's been half shut down since October. And they're thinking of shutting it completely down in December to calm the waves. So I just don't know where to go from here. Well, so here's the thing. If I heard you correctly, you still are medically able to get qualified and to become a border agent. Is that correct? Correct. All right.

So that's a waiting game, right? Yes. That's the thing. I'm just waiting now. Well, but here's the deal. I have found in my life, and I went through a nine-year journey, and there were seasons where I knew I was having to be in the waiting due to qualifications, opportunities, things of that nature. So I tried to stay busy and I tried to get better. In this situation, you being unemployed, and again, I don't pay attention to the Canadian unemployment. I don't know what's going on there,

but I would assume there's some work you can do. And if it were me, I know you've got to weigh your unemployment benefits versus working, but I think working two jobs, three jobs versus unemployment, Dave, I think in that season, it makes you feel as though, hey, I'm doing something, I'm making money, I'm making some financial progress while I'm waiting for the professional doors to open up, to sit and kind of stay in that, oh, I don't have any say in any of this. I'm just waiting and waiting and waiting. It can really get damaging emotionally and mentally. It's a dangerous place versus get busy.

I'd get busy right now. And what's weird is that sometimes there's weird stuff happens when you're out there moving things around, pushing things, bumping into things that never happens when you're sitting at home. And so anything you can get to do to get you to lay your hand to, because you might run in, you might end up working with, I don't know, the 27 year old son of the general that makes all the hiring decisions of the border patrol. Who knows? You end up having dinner at their house.

I don't know. But that's not going to happen if you're sitting on your butt at home doing nothing. So I'm always going to be in favor of when in doubt, bust into something. When in doubt, push something over. When in doubt, move something around. I'm with Ken. I would, when in doubt, pick up some work and just go do it. Connor, I would look briefly into an exercise here. Do this today. What do I love about the idea of being a border patrol agent? What is the work that I love? My guess is that you enjoy work that is involved

in justice, right and wrong, safety, security. These are things that matter to you, results that matter to you. Those are those intrinsic motivators of why you're intrigued by that. What are some jobs in the Canadian marketplace that at least involve some of that, where I'm causing people to be more secure because of this role? I'm helping people with safety. You've got to find these little threads here that can help you see, oh, well, this is a part-time gig. Maybe I'm doing two or three of these, but at least I'm doing work that I see produces a result that matters to me. I think that's an additional thing I would add to that, not just any old J-O-B.

Look for some connection to the work. Yeah, but versus sitting at home, take anything. Anything. And then better than that, find something that's got that connection. That's right. Then better than that, find something even yet that gets your foot in the door towards your ultimate goal as an intern or whatever. Any way you can just keep moving in that right direction, keep the tip of the spear sharp, and keep pushing in. Hey, folks, if you feel like you should have made more progress paying off your debt by now, well, I understand.

When it comes to paying off debt, sometimes it feels like all grind, no reward. Here's the thing. When you try to do it on your own, you're more likely to fall back into old habits, and that's when you stop making the progress. This is why you need Ramsey Plus. Ramsey Plus is our step-by-step money plan that will give you the accountability and practical tips that you need to pay off your debt faster than you can on your own. It includes, of course, Financial Peace University.

Of course, every dollar when it syncs up with your bank, the premium version. It includes the Baby Steps Tracker. It includes Community. It includes Ask a Coach. It's all there. It helps you go from sort of to all in so you can finally get control of your money. If you want to start a free trial for Ramsey Plus, just text the word trial to 33789. That's trial to 33789. Trial to 33789. You know, back to our last caller, Ken, just for a second as we go out of this hour.

There is a, and John Deloney, Dr. John Deloney has taught you and I this, and I've heard it even prior to our having him on the show here with us. There's a direct correlation between activity and the endorphins, adrenaline, and various chemistry that is released in your body and pushing away depression. Going and doing something is always better when you're struggling with feeling depressed. The pandemic has caused two major problems. One, the lack of connectivity. We are relational human beings.

When we're isolated, it's a bad, bad thing. The second thing is when you're not able to work, to do something. It just feels as though you have no meaning and no connectivity. You take those two things together, it is a very dangerous place. Bad chemistry. Bad chemistry for the folks that are in those situations. Be careful with it. Good point.

Ken Coleman, good hour. Thank you, sir. That puts this hour of The Dave Ramsey Show in the books. make sure you visit DaveRamsey.com slash show and register. We would love for you to come to Nashville and tell Dave your story.