The Ramsey Show - App - Get Rid of Your Limiting Beliefs (Hour 3)

Episode Date: July 3, 2019

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live from the headquarters of Ramsey Solutions, broadcasting from the Dollar Rental Car Studio, this is the Dave Ramsey Show, where America hangs out to have a conversation about your life and your money. Sitting in for Dave Ramsey this hour, I am Ken Coleman, the best-selling author of The Proximity Principle and host of The Ken Coleman Show. We can hear on national syndication throughout the country,

Sirius XM 121, and in podcast form. I'm one of the Ramsey personalities. And we're going to do a career-themed hour. So if you're starting out, you're switching or thinking about switching, or you want to know how to advance, we're going to talk about work that matters. That is a phrase that is an anthem here at Ramsey Solutions. And so we want to help as many people as possible find the work that they were created to do and then make that

dream job a reality. Very simply put, the Ken Coleman Show believes that every person on the planet was put on this planet to fill a unique role. That means you are needed and you must do it. So we're going to do that this hour here on the Dave Ramsey Show.

Thrilled to have you with us. 888-825-5225 is the number. 888-825-5225 is the number to join the conversation. Let's go. Robert is on the line in Pocatello, Idaho. Robert, you're on the Dave Ramsey Show. Hey, thanks for having me on. Sure, how can I help?

So I'm currently in my dream job, but the problem is that I'm in a very rural area with limited opportunities financially for my career to grow and the like. So I'm wondering if I need to go back to school or if I need to find a way to start my own business. Well, I don't know why you would assume that you need to go back to school right away, because it sounds like the problem that you're having is you're in an area that, because of its size, geographical location, there's just not much of a ladder in your current dream job. So tell me why you think that going to school or starting a business is the better option.

So currently I'm an athletic trainer. I do medical coverage for sporting events. So I'm looking at going to school either for physical therapy or physician assistant. Just try to I guess advance in that way. Okay so would that still be work that you really really love you have a great passion for it seems like it's similar enough yeah i i think so um i guess i you know as a physical therapist you can run your own practice and do that sort of thing it's just um i guess finding the financial means. I graduated debt-free with my undergrad. Going back to grad school would be an issue. Yeah, sure.

How much would that cost you if you'd done the research? Yeah, so the one college around here that offers that program is about $46,000 for the entire program. Wow. How much money do you make right now as a physical trainer? About $38,000. Okay, and you're telling me you're capped out. There's no way to make right now as a physical trainer? About $38,000. Okay. And you're telling me you're capped out. There's no way to make more money in that role. No, not in this area. Who do you do that for? Are you just contracted by schools? Tell me what that looks like.

So, yeah, I work for a local hospital. There's only two of them here, and the hospital has the contract with the school district to do the medical coverage for the sporting events. Okay. Well, so what's going on here is you said school an option, Ken. Is that the best option or starting my own business? If you started it on your own, would you make more than $38,000 eventually? That's the thing. I'd have to find a way, I guess, a more niche market because the way the medical board of the state runs limits my scope of practice and what I can do on my own. And so I'd have to, I mean, I guess just network with physicians

who would be willing to take me on and work with me on running that business. Right. And that seems really, I don't know if that's the best option. It doesn't even sound to me like you're fired up about that. Am I right? Yeah, not really. So here's your reality. What is your debt situation?

Do you have any debt at all? I don't, but we're about to. We just found out that my wife's pregnant, and the baby has a lot of issues that are going to happen when he's born. Oh, boy. And so we're going to be in a pile of medical debt as soon as he comes. Oh, I'm sorry about that. Well, here was the question I was going to go to next, but that's a real curveball there, is are you able to move locations to where you can do what you do, but on a bigger scale and a better financial return? Because the only other option

that you've got, Robert, is that you're just going to have to save up the money to be able to get the qualification necessary to do something in that field, you know, where you are paid much better. The physical therapy work is a really lucrative situation. I think getting through this pregnancy is probably number one, and let's make sure we stay stable in this process, and then you're thinking about what do I do next? What are my steps forward? Because you know what you enjoy doing. That's the good news.

You're in a situation, though, geographically where, again, there's just not a lot of options for you. And so when somebody doesn't have a lot of options, my advice is we need to figure out how to get more options. And that's what's going on right now. So this medical situation with this newborn baby, that's step number one. So I don't want you making any kind of decisions to start a business. That's not a good decision right now. You need to stay where you are until the baby's born. Let's figure out what that situation is going to look like.

Let's come up with a plan. You're a Dave Ramsey Show listener. You know how to get out of this. You've done it before, so you can get through this. You may have to look at a temporary move where you can make more money that will allow you to get stable and then save up the money to get the qualification. You can go to school online. You can get that qualification over time. I'll caution people that you don't have to walk away from a dream because it may take a little bit of time. It took me seven years to get to Dave Ramsey. Seven years.

I started out doing high school football play-by-play on the Internet. Nobody was listening to that except for the kid next to me and my wife at home because she's a good woman. It was an incremental thing. Year after year after year, making some progress because I had a company that I had to run that allowed us the freedom to pursue the dream. The day job funded the pursuit of the dream job. So we've got a situation right here.

A lot of you right now are listening and you're going, I can't even think about a career switch. I can't even think about doing something different because I'm trying to pay off debt. And that's not the case. You can pay off debt and begin to make some type of small incremental steps, learning something one class at a time, something like that. It took me seven years to get here and then I paid dues for another three years to get the opportunity to do what I do now. So I know what I'm talking about. It might take five, six, seven, eight years.

But the question is, are you willing to do what it takes? This isn't just for Robert, who's in a situation where he can't do a lot right now because life has thrown some real serious curveballs at him. Everybody says, yeah, Ken, I'm willing to do what it takes. But here's the big question. Are you willing to wait as long as it takes? Are you willing to do what it takes? And are you willing to wait as long as it takes? So we've got perseverance and then we've got patience. There's a tension between getting up, getting after it every day and going hard and not seeing the results or seeing that it's a long way down the road.

Sometimes it feels like I'm never going to get there, but you will if you keep moving forward. Are you willing to do and wait as long as it takes? The career-themed hour continues. Don't go anywhere. I'm Ken Coleman sitting in for Dave Ramsey. You know, I get asked all the time, at what age should I buy life insurance? Let me be clear.

If you have a family, if there are people depending on your income, now is the time to have term life insurance. I don't care if you're 20, 30, 40, 50, or whatever. Your age is less important than your financial situation. If you have debt and a lack of savings, it makes no sense to risk your family's financial well-being based on the cost of a term life policy. Term life rates are just plain cheap, even if you're not in perfect health. And the best way to compare those rates is through Zander Insurance. Zander only sells the plans I recommend and shops among the top companies to find the

best rates and the right coverage for you. Call 800-356-4282 or visit Zander.com. You got no excuse to put this off, folks. Bad things happen to people all the time, regardless of age. And it's your responsibility to deal with this. That's Zander.com or 800-356-4282. Welcome back, America. This is the Dave Ramsey Show.

We're holding a career-themed hour. This hour, I'm Ken Coleman, host of The Ken Coleman Show, author of the best-selling book, The Proximity Principle, A Ramsey Personality. And I am here for you this hour. If you are stuck, if you're confused, if you're scared, you're dealing with a lot of doubt, whatever it is, we are here for you.

888-825-5225. That's 888-825-5225. Let's go to Alex, who's on the line in Plano, Texas. Alex, how can I help? Hi. Nice to talk to you, Ken. My question was that I came from the finance industry and I switched over to what I thought was my, you know, dream job of being in construction, but it turned out to be a very horrible decision. So I'm wondering if I should go back to the original plan of going to

law school? Say that one more time you broke up go back to what so i started um working at a construction company right because i thought it was my dream job but i came from finance okay so it turned out that this was not a good idea so now i'm questioning whether i should go back to law school oh to law school okay school. Okay. Well, let's first look at why the construction thing. You thought that that was a dream job situation. You were excited about that. Why? Because it was the whole interior design and working on new homes, and it turned out to be, one, the pay isn't so good, and the company is not at all good. Okay.

All right, now, let me ask you this. What did you think the pay was going to be, or what do you need it to be? I needed it to be to at least, you know, $40,000 to where I can, you know, maintain my bills and all of that. Okay, were you surprised you took this job? So my question is, at what point were you surprised that it wasn't going to pay $40,000? I think as soon as I got it, I thought, okay, I can probably work my way up at some point, you know, in the long term, but no,

it hasn't been that way. Gotcha. How long have you been in the position? A little more than a year. Okay, great. And how much are you making? What did you take the job? What was the pay at the position you're in? It was $12,000. $12,000?

No, $12 an hour. $12 an hour, okay. All right. So I love your spunk and I love your attitude. I think, though, that there's something missing here with the law school. It feels like that's coming out of left field. Like, well, I think I'll just go try that. I think it might be motivated by money because I'm wondering if just for an alternate reality, if I could snap my fingers, Alex, and I could give you an interior decorating job or something similar to that, where you're using your creative skills and you're doing work that you really love, which is transforming something, making it look pretty, making it look inviting, making it feel homey.

If I could give you that right now and you were making $40,000 with the opportunity to make more and you knew that it was there, how would you feel about it? I would love it. So law school's not the answer. I think you're doing the right thing in the wrong place. Does that make sense to you? Yes. So why in the world would you want to get out of doing something that you know you love? It's just not a good environment. There's not a ladder. I talk about this in my new book, The Proximity Principle, that you want to find a place to grow, like a Ramsey Solutions, where Ramsey Solutions is known, Alex, for developing our team and promoting our team.

If you come to Ramsey Solutions, do a good job, they're going to develop you, and you'll get the opportunity to move up the ladder. So that's what you're looking for. And the other thing you need to do is you need to be connecting with other people in the Plano, Texas area. It's a great area. A lot of opportunity for something that's very

similar to interior decorating. Maybe you go work for an interior decorator and learn the ropes. Would you love to eventually do this for yourself one day, I wonder? Yes, absolutely. Yeah, I had a sense of that. How old are you, Alex?

See, I'm 32, so I'm wondering if I'm running out of time. No, goodness no, you're not running out of time. My goodness. On behalf of everybody in their mid-40s, you're a youngster. So you've got plenty of time. See, here's what's going on, folks. Alex is calling me, and she's saying,

do I get out of something that I love? It's not a good environment, not a good situation, but I love the actual work. Do I go to law school and go get in a bunch of debt or do something that I can't afford or take me forever to pay for if I cash flow it?

No, that's not the answer. Alex, I'm going to give you a copy of my new book, The Proximity Principle. Kelly's going to give it to you. And listen, here's what I want you to do. I want you to read it, but I want you to actually identify, let's say, three to five people, and you don't have to know them personally, just somebody that you know knows them and they are successful in that interior decorating, remodeling, staging homes, that kind of stuff. You know what you want to do. So find some people through your connections that are doing that and doing it successfully.

And then I want you to sit with them and go, hey, do you know who else I need to connect with? Because I'm not in a great situation now, but I'm willing to pay my dues and work my way up. I just need a ladder. Who else do I need to talk to? How did you get successful? And if you have an opportunity down the road that opens up, I'd love to take it. And you hang in there right now.

Don't you dare quit. But I can tell you you're doing the right thing in the wrong place. So our strategy is let's hang tight and then let's find another opportunity by using proximity and connections and step into something else. Let's go now to Ryan, who's on the line in Des Moines, Iowa. Ryan, how can I help? Hey, thanks for having me on the show, Ken. I really appreciate it.

Sure. How can I help today? Yeah, so I found my sweet spot. I work in the entertainment industry, more specifically work in the casino. And the first job I ever had was with a company that paid really well. But I left on bad terms, and I feel like I burnt a bridge. So my question is, how do you go about preparing or repairing a burnt bridge? Well, how did you burn the bridge?

Give me the short version. So, in my two weeks, they said at the end of the two weeks, you would have an exit interview, carry your grievances. They never gave me the exit interview, and I basically said my piece before I left. Okay, well, so were you disrespectful? Were you angry in saying your piece i just had a lot of stuff vented that i uh told them a lot only part of it was good but the other part which is very negative yeah and i feel like it stepped on a few people's toes yeah

i think you probably jumped on their toes, it sounds like to me. So you've got a couple options here. The bigger question that you started off with is, Ken, how do I get back into that same industry? Let's keep it high level. So instead of getting back into that old job, it's getting back into that industry, because you now know that's the industry you want to be in, correct?

Yep, and I'm actually in it right now. I'm actually at another casino. Then why do you want to leave? Why do you want to leave? To go back to the old one? Oh, I don't want to leave. Oh, oh, oh, I'm misunderstanding. You just want to fix the relationship because you feel bad with how it ended.

Exactly. Oh, okay. All right, great. I apologize. This is very simple. I misunderstood. So here's the deal. This is as simple as you did when you were a kid

or when you've been in any kind of relationship where you have hurt somebody. You go directly to them. This is not an email. This isn't a phone call. You could reach out via email or a phone call and say, hey, I feel badly about how I left. And I've now learned that I didn't handle that the right way. And I owe you an apology. And I would like to deliver that apology in person and if they say well that's not necessary we can hop on the phone then do it that way but you you go in and be nice to just walk in one day if you can and you know where they are and walk in and go hey i know you're surprised to see me and i'm here for one reason i don't like the way i left i didn't leave well tell them everything you did wrong and then just

ask for their forgiveness. And that's it. That's all you can do. Now whether or not they receive that apology and actually forgive you and the relationship becomes repaired, I can't guarantee that that's going to happen. But that's how you go try

to fix a bridge that you blew up. You build it back one piece at a time, and the way you do it is by owning what you did wrong, not making excuses for it, and being humble and asking for forgiveness. You'd be surprised how few people actually do that, and it's really powerful.

Hey, don't go anywhere, America. More of your calls about your career, about doing work you love, work that matters deeply to you. I'm Ken Coleman, and this is The Dave Ramsey Show. We've been voted one of the best places to work in Nashville 11 times. You want to know how we do it? Well, our team has been using LinkedIn jobs for years to find the best people from all over the country to come and help us change lives. Think about it. LinkedIn has more than 600 million active members.

I'm talking about people who come to LinkedIn to make connections, grow their careers, and discover new job opportunities. In fact, 90% of LinkedIn users are open to new opportunities, but not actively scanning job boards. This means LinkedIn Jobs gives you access to an entirely different demographic. Don't wait. One hire can change the direction of your company. Post a job today at linkedin.com slash Ramsey

and get $50 off your first job post. That's linkedin.com slash Ramsey. Terms and conditions apply. This is the Dave Ramsey Show, and I'm Ken Coleman, Ramsey personality, author of the best-selling book, The Proximity Principle, and host of The Ken Coleman Show that you can hear now in National Syndication and on SiriusXM Channel 121 and via the podcast to learn more about the show and the book and what we're doing to connect with us on social media. You can go to KenColeman.com and you can get all kinds of goodness there, good content. We have three get-hiredides that we feature there for you. How to flip your resume so that it's noticed and how to leverage the relationships necessary to make that resume actually worth something.

And then how to prepare for the interview. We teach you and show you how to prepare so that you perform well in the interview. And then finally, the touchpoint timeline. How do you follow up after the interview, and then finally, the touchpoint timeline. How do you follow up after the interview? These Get Hired Guides all come from the day-to-day calls we have on the Ken Coleman Show, and these are free resources. They're absolutely free. PDFs, they're well-written, easy to follow, and extremely practical.

So those are some free resources, along with the book, The Proximity Principle, that you can get at KenColeman.com. All right, let's go to Shereen in Hilo, Hawaii. Shereen, how can I help? Hi, Ken. So I spoke with you before, and I wasn't even on your step one. But now I'm on the embark stage. Okay.

And I went ahead and created my resume. I finished your book, Proximity Principle. I was really eager when it came out. And I just have a few questions for you. Sure. Since then, we decided that nursing was the field I was going to head toward because it was what my passion is or my sweet spot. And so I took a step out and signed up for classes. I got funding,

just giving you an overall rough kind of what happens. The instructor got injured, the classes were put on hold. I turned around and I was really bummed actually. And I said, you know, what we can do. I kept listening to your book and I was like, he wouldn't give up. He would keep pursuing this. So I got in the proximity of people that did what I wanted to do, where jobs opened up, applications opened up. I went and I filled out your resume the way you said. I had no support on that from anybody. So they wouldn't endorse me.

They said they didn't know what that was and they didn't want me. So I got one person to endorse me, which was awesome. I did one look better than none. I ended up submitting that resume. I went back into the proximity of the people, and another job opportunity opened itself up to me in a dialysis. And I actually found out that they actually pay for their dialysis technicians to go to nursing school eventually. So I was like, oh, my gosh, this is amazing. I wouldn't have to pay for schooling.

I would be doing what I do. I would gather knowledge and all that type of stuff. But right now I'm kind of stuck. I don't have the medical terminology that I think I would need to get in that basic starter point of it. But I am in the proximity of people, and I'm just really lost right now. What do you mean you don't have... I guess my question to you is, I'm sorry.

Okay, go ahead. Hit me with a question. This is my big thing. I'm wondering if I should go to my doctor's office and offer free services because I can offer that right now, and volunteer there to just gain more knowledge and have something under my belt saying, Hey, I've been volunteering doing this at my doctor's office, so yes.

Okay, volunteering doing this at my doctor's office. So, yes. Okay, volunteering. I have some experience. Okay, volunteering doing what? Medical assistant, just because everything says medical terminology. Medical terminology. I have CNA skills, and it was years ago. Right, but you have the qualifications to become a nurse, yes or no? No, I do not.

Okay, so you didn't go to nursing school you don't have that and you're trying to do what what would be the end end result you wanted to do nursing medical field right to um get some background and then work through baby step two with dave and as soon as i have a baby step to save up some cash to go back to school okay i got you and then ideally you get a job in the medical field that can help pay for the nursing. Yeah, okay. Well, I didn't even think of that till the second one. I was just getting in the proximity of the people who are doing what I want to do. Well, that's right. And you're doing the right thing there. You're doing exactly what I write about in the book. But the challenge is in order for you to be a nurse, you eventually have to have that qualification. How much debt do you have to pay off?

Me and my husband together right now have $69,000. What's your payoff date, if you had to guess, or what have you planned for right now? Well, we've been gazelle intense, so we've been paying off more, I want to say two years. Okay. All right. So I think you're doing all the right things. You've just got to work your relationships and stay in proximity and get a... What are you doing right now for a job? I actually own my own business, but it's not what I love. I hate waking up on Mondays. Okay, well then, how much money do you need to make?

How much money are you making? How much money will we need to replace? $2,000 a month. Okay, great. So here's the deal. I love the idea of volunteering at the doctor's office if they'll allow you to do that. I just don't know enough to know if they'll allow you to do that, but I love that. Volunteering is such a huge way to get in.

And so I like that idea, if they'll allow you to do it, if they're open to it, yes. The other thing is, though, I just want you to move from the self-employed situation that you can't stand. And I want you getting a job. I don't even care at this point if you're mopping the floors in a hospital. You know what I'm saying? Because now you're in and you're meeting more and more people. And we're going to try to keep moving up the ladder in a non-nursing job while you and your husband are paying off debt. And you're getting relationships.

You're learning the medical terminology, all those things are great. I think this is a great play for you. I would get out of the self-employed situation and go get in the medical field working in an office, even if you're a receptionist. I think you can make $2,000 a month somewhere in the medical field and you're telling everybody that you meet, I'm going to be a nurse one day. I'm going to be a nurse one day. I'm going to be a nurse one day. Two more years, my husband and I are out of debt, and then we're going to start cash flowing me through nursing school.

And I think you're going to find more opportunities like you found already. It just didn't go your way. But just because the first rock you turn over doesn't work for you doesn't mean you quit. And so keep working it. You might be surprised at how you'll find that somebody else might be willing to fund you through nursing school. Keep looking for those type of things. I love that. That is really, really good.

All right, let's go to Ray, who's on the line in San Antonio, Texas. Ray, how can I help? Hey, Ken. Thanks for taking my call. Sure. I'm calling because I'm having a hard time just trying to figure out a purpose. Okay. Go ahead.

Well, what are you having a hard time figuring out? What you're good at or what you love to do most? A little of both because I'm retired in the military, and I've done quite a few things in my military career. And education-wise, I've gone and done the education track. I've got up to my master's degree and being retired military and being I'm not married. I never got married while I was in the military and I have no kids so it's just me my military retirement just covers all my living expenses so financially i'm in a good place it's just that uh being retired from military i really

don't have to do anything else to work okay but hold on a second so let's just put you to the test for a minute forget limitations because i think you're dealing with some limiting beliefs i just feel it and i deal with these calls every day on the Ken Coleman Show, and there's a bunch of reasons why, in your mind, you can't do what you want to do. I think you know what you'd like to try, so let's call it trying. It's not risky. We're just going to test it, and if I could snap my fingers and put you in a situation tomorrow, forget about job title.

Forget about the specifics of the title. Tell me the kind of the title. Tell me the kind of work that you think you would love to get paid to do starting tomorrow. Just try it. What would it be? Say it. I honestly don't know. That's not true. I think you got your master's degree in something. There are things that you

have wondered about. There are things you enjoy doing in the military, and you've just never allowed your brain to accept the fact that you might be able to do that full time. Well, there's things that I've done in the military that I enjoy doing. What? Tell me. Tell me. Tell me. Tell me what you loved most. The work that you loved more than anything else you did in the military, what was it? Well, I enjoyed looking out for my people, is one thing. I was a section commander one time, and I did that for a year.

And as part of that, I had the opportunity to help the enlisted folks that were retraining find another job. Interesting. So I was able to do that, but I was also able to lead people in a unit. And one of the things that I enjoyed doing was, it's called leadership by walking around, I found out later on. Yes. All right, Ray. Ray, here's the deal. I'm going to put you on hold. We're going to come back.

Ray thinks he has no passions. Retired military, he deal. I'm going to put you on hold. We're going to come back. Ray thinks he has no passions. Retired military, he does. And he just gave us a clue. This is the Dave Ramsey Show. Don't go anywhere. This is the career hour of The Dave Ramsey Show. I'm Ken Coleman, Ramsey personality, best-selling author of The Proximity Principle and host of The Ken Coleman Show, nationally syndicated and on SiriusXM and podcast form.

And as we went into our last commercial break, with Ray, a retired military. And Ray started off the call by telling us, I have no idea what my purpose is. And when we look at helping someone find their purpose, there is a two-part process. You have to know what you do best. This is talent and skill, strengths. And you have to know what you love to do most. This is work that you're passionate about, not just the work itself, but the results of the work. When you, as a human being, are aware of what you do best and what you love to do most,

now you look how they intersect. We talk about this being the sweet spot. Within the sweet spot, there are multiple careers, multiple roles that you can fulfill. It's not just one. It's not this needle in a haystack. So what we do is we say, how do we use what we do best to perform work that we love to do most?

And so right before we went to break, Ray said, the thing I loved most about being in the military, this whole career, was leading people, leading others, supporting his team. And so that's where I want to pick up. All right, Ray, so you've had some time to think about this. I want to ask you to go a little bit deeper. You were talking about leading while walking around. That was an observational thing, and you're looking to help.

You're looking to serve. When you were put in a position, Ray, to lead someone, to guide them, to help them with a problem, whether an official work problem or a personal problem, and you helped lead through that situation, what did it feel like on the other side of that? Oh, it felt great.

Especially when, like on the receiving end, like when for them, like when the light bulb goes on and things seem either less burdensome or there's a good outcome, you know, like let's say they were facing some sort of issue and then I helped them to resolve it or come to a point where they could resolve it, or if they were just having difficulty doing something as part of their job and I helped train them on it. Both of them have that same, oh, thank you so much moment. Yeah. And it's rewarding. Yeah, it's rewarding. And you looked forward to it, didn't you? You loved leading.

Yes. So let's start the call over. What do you think your purpose is? What do you think your work purpose is, Ray? Well, I guess it could be leading. Yeah, but I want you to say it with some confidence, because you know what the answer is. That's why you're chuckling. You just needed me to shine a mirror in your face.

You love leading people, and you're good at leading people. If I were to interview most of the men and women that you had the opportunity and the privilege to lead in our armed forces, what would they say? If I said, is Ray a quality leader? They would say yes. Yeah, and guess what? I hope that's not my ego saying that. No, no, it's not your ego.

No, no, no. Let me tell you something, Ray. You are not a braggadocious guy. In fact, I think you suffer from a little self-doubt. Is that true? You're probably correct on that, yes. That's exactly what's going on. So I'm here to tell you that we just broke it down.

You just gave me the answers. I didn't tell you what it was. You told me what you love to do most. Now, here's the practical part. Ray, you served in the military for how long? 25 years. 25 years in LendWell. Are you telling me that organizations, big and small, medium-sized organizations in America, wouldn't see the value in your leadership ability? Because leaders lead no matter what the environment

is true or false that's very true do you ray have valuable leadership skills and experience that you could offer to a company right now yes yes you do so now it doesn't even matter the industry i think you've been hung up on the wrong things. I think you've been thinking about a job title, who would it be for, what industry. I don't think that matters at all. I don't think it matters if the company's making widgets or they're, you know, who cares? You want to be in a situation where you are responsible for leading and developing a team. That's what gets you fired up every day.

Am I right? Yes. Now here what gets you fired up every day. Am I right? Yes. Now, here's the other thing to remind you. You don't need a bunch of money, Ray. You're financially very stable. So I think this could be really fun for you at this stage to start applying and making some connections with people you know in San Antonio. So don't just do cold calls and cold resume submissions.

I want you working your personal relationships, your acquaintances, and say, hey, I want to get into leading people. I don't need a ton of money. I just want to get in the business of leading people. So if they need somebody to lead, to manage some teams, I'm the guy. And you start looking at those opportunities as they present themselves, because they will. The people you know will go, oh my gosh, well, I know somebody that needs to hire somebody right now.

And you look at all the opportunities. You go online. You see everybody that's hiring a leadership, a management position. And you, sir, are an American hero. You served our country well. You served our country valuably. And that value is going to be recognized. And I think you're looking for opportunities just to lead a team of people. Why do we have to make it so complex? You know what you love to do, Ray. And many of you people are listening right now. You know what you love to do. Don't get hung up on the title or the industry.

Just get to the core. And what we did with Ray just now was let him realize what it is he actually is passionate about. And it's leading people! And I'm telling you right now, folks, businesses are always going to need leaders. They're always going to need people who will lead. Always. So you're extremely valuable.

Let's go to Sean in Sacramento. Sean, how can I help? Hey, how are you doing today? I am looking to make me the jump from employed to being my own boss and trying to get that boat closer to the dock. Okay. So how can I help? Yeah, so my family, we're on baby step four, five, and six.

Great. And we're doing, we've led financial peace a few times, and that has really drawn out the passion that I have of helping families move forward in their finances and finding that financial peace. Okay. And, you know, I don't live in Nashville, so I can't work with you guys, but I'd love to help people in my community doing the same thing. So I'm trying to find a way to just shrink that gap down so I can make that jump over. Do you want to do financial coaching for your business?

I do. Okay, great. Absolutely. Okay, well, here's the great news. You're in baby step four, five, and six. And so that means you're winning financially and you have options and you have stability. So there's no rush. But I think you can get there faster than you think. But this is still going to be incremental. So here's my overall philosophy for someone who wants to go from

a day job to creating their own company and working for themselves. Here's the philosophy. Start small, grow slow. Let me say it again. Start small, grow slow. You're in a good situation. Even if you're not doing work you love, that current work needs to be viewed with gratitude because it's your base. And so what you start doing is you use the proximity principle. I want you to find some successful financial coaches.

Maybe look at Dave Ramsey's website, DaveRamsey.com, and go find some of our smart investor pros. Talk to them. Say, hey, I'm a Ramsey guy, and I'm looking to make some connections in this financial coaching world to see what it's going to take for me to win. And you want to sit down and have coffee, lunch with these successful financial coaches, some of our smart investor pros and say, okay, what does it take to win in this space? How long do you think it would take to build a client base? What's the financial model? Learn everything there is to learn about this business you want to start from people who are actually doing it and doing it well. Now, all of a sudden, you have a really good idea of expectations.

How long it might take. What qualifications do you need? How much is that going to cost you to get the qualifications? How long will that take? Just from a time standpoint. Now you've got yourself a plan. And then, Sean, here's what you do. You begin to just coach one team, excuse me, one family, one person at a time. Do a great job coaching them,

and they're going to tell other people, Sean changed my life. That's how you build this business. There's no magical formula. I just gave you the practical steps, and if you do that, you'll be doing it full time before you know it. It's great stuff,

and you've got a great financial base. Oh, this is fun. I want to say a big thanks to our producer, James Childs, and our associate producer, Kelly Daniel, and you, America. Thank you for listening to The Dave Ramsey Show. Once again, you made The Dave Ramsey Show one of the top five most downloaded podcasts last year. To get your daily dose of motivation and inspiration subscribe today