The Ramsey Show - App - “Greedy Rich People” – Myths vs. Reality (Hour 3)

Episode Date: January 13, 2022

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Live from the headquarters of Ramsey Solutions, it's The 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, Dr. John Deloney. Ramsey personality, best-selling author, and host of The Dr. John Deloney, Ramsey personality, best-selling author and host of the Dr. John Deloney Show is my co-host today. You can join us here on the Ramsey Show as we talk about your relationships, your work, your money, and you. It's a free call at 888-825-5225. This is launch week for our new book called baby steps millionaires and a bazillion of you

have bought the book thank you so much we appreciate it this is a uh become quite a little hot seller thank you man it's gone bonkers uh how ordinary people built extraordinary wealth and how you can too now we launched this book in the middle of a society where a portion of the people are out there. I call them hope stealers. Their job is to steal your hope. Their job is to tell you that the society, the culture, the country that we live in is so broken that the little man can't get ahead. You stand no chance unless you inherit it from a rich uncle. You can't make it.

We need socialism. We need wealth redistribution. Wealthy people are evil anyway. Correct. And so they should be punished. Continue. These hope stealers are everywhere. And James, our producer, handed me a sheet a minute ago.

This is so interesting. Farhad Manjo, I guess that's how it's pronounced. I may have messed up your name there, sir. I apologize. Has a whole section in the New York Times on abolishing millionaires. A billion dollars is wildly more than anyone needs, even accounting for life's most excessive lavishes. It's far more than anyone might reasonably claim to deserve,

however much he believes he has contributed to society. Billionaires should not exist. When American capitalism sends its billionaires, it's not sending us its best. It's sending us people who have lots of problems, and they're bringing problems with them. They're bringing inequality. This from a guy who is a reporter with student loan debt from his journalism degree. But this is, you know, this is ultimate tall poppy syndrome. The poppy sticks up its head above the others.

It must be cut down and so we're supposed to be jealous and envious to evil ideas to carry evil character traits of anyone who is one with money evil money is evil money is bad if you get money you are evil and you are bad and you should have it taken away from you and given to someone else so that they are evil and bad i guess i never thought about that part i don't but um if we give it out is it not a problem to the poor people that get it i mean if it's bad maybe we should just centralize it with a few people and destroy them instead of giving it to other people that's kind of illogical the critical thinking breaks down on this doesn't it mr buffett is actually the most dangerous kind of billionaire we have this guy says.

The worst billionaires are good billionaires, the sort who make it seem like the problem is the distortion of the system, when in fact the problem is the system. There should be no way that anyone has a million or a billion dollars in America. These are the voices that are out there. Now, I'm old. When I was young, we called those communists what's that who didn't want people who act this way they say these kinds of things this is straight up marxism i mean it's uh but this idea and of course aoc's policy advisor dan riffle comes out and contends that every billionaire we have is because there's a policy failure

the acquisition of that much wealth has bad consequences and a moral society needs guardrails against it see that's straight up marxism so let's take so i'm just thinking of the first guy that popped into my head um everybody's favorite target el Elon Musk comes up with a cool computer program and sells it for a lot of money. Helps a lot of people do a lot of things. Then he develops a car and a battery. Here's the thing. What's the inherent evil there?

I'm perplexed by the argument. Well, it's not logical. It's not good critical thinking skills. Marxism never is. So what ends up happening is that the whole thing is about vilifying wealth and the wealthy. So that we can do a power grab and move the money around and get credit for it. It's a power grab thing. And that's generally what is at the core of Marxism or these kinds of things all along.

So here's what actually happens, though, in the real world. Okay. And that's generally what is at the core of Marxism or these kinds of things all along. So here's what actually happens, though, in the real world. Okay. Not in these people's little fairytale minds that they have. In the real world, the most generous people on the planet are the wealthy. No, really. This is actual data, not theory, not political rhetoric that's trying to beat a drum. But the actual data says that wealthy people feed more starving children than not wealthy people do. 88% gave to a charity in 2020.

88% of affluent households donated in 2020. In a year with a global pandemic and other crises where people were scared to death there was a record of philanthropy nine out of ten nine out of ten households the study of a survey of 1626 households with a net worth of one million dollars or more millionaires there they are again excluding the value of their primary residence which means they're worth more than a million considerably annual household income of two hundred thousand dollars these were the people studied of them they gave 88 of them donated to charity yeah and in i got to tell you that everything we get our hands on about it says that they not only donated to charity they consistently donate to charity and it is substantial yeah um but yet they are

by marxist journalism student at the new york times are evil evil rich people and and everyone knows that a camel can't go get through the eye of the, so we know that rich people aren't going to heaven, according to atheists who misquote Scripture and don't understand it on Twitter. I don't know. I know some believers that quote that, too. I know, but they're ignorant. They need to work on their Bible study skills because it's a problem. Because here's the thing.

When you take that stance as a Christian, that's actually Gnosticism, which is a first- century form of heresy. Let me walk you through this, okay? Yeah. If rich people can't get to heaven, if that's your conclusion of that scripture, because you didn't read it in context and you didn't finish reading Jesus' words afterwards, which if you do, it explains it away and you understand what's going on. But if rich people can't get to heaven that means that

the work that jesus did on the cross and shed his blood is not strong enough to cover rich people there's an exemption there that's called heresy uh in doctrinal studies yeah okay that is a type of heresy and it's called gnosticism gotcha and so you know this this you little socialists who go rich people can't get into heaven. You're actually heretics. I don't. The idea that you dismiss somebody out of hand, their character, who they are, how based on their net worth seems like the low. It seems like the lowest form of critical insight. Kind of feels like there's an agenda. It's just so reductive and dismissive.

I might join Rachel Cruz in a conspiracy theory. Nope, she's in a league of her own, Dave. She is in a league of her own, for sure. This is The Ramsey Show. folks having an id theft protection plan has just become a necessity in today's digital world for you and your children the risk of being a victim is higher than ever. With all of these devices and time spent online, not to mention the scams and hacks occurring every day, it really is just a matter of time before you become a victim. There are a lot of options out there and even more gimmicks, but the only plan I've ever used

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Open phones at 888-825-5225. It's launch week for the new book, Baby Steps Millionaires. Thank you to all of you who have purchased it. We appreciate that. You can get it anywhere great books are sold. It's in Target, in Sam's, it's in Barnes & Noble, it's everywhere. Certainly at RamseySolutions.com as well. And if you want to join in on this whole wealth building movement

and become one of those evil rich people we were talking about, we want to show you how. And we're going to do that tonight. Rachel Cruz, George Camel, and I will be doing a live event here in just a few hours, 7 o'clock Central Time here in Nashville. We've got about 1,600 folks in the sold-out event space itself. In addition to that, we will, of course, have it streaming live online for those of you that want to do that. And it's completely free online. And so we would love to have you join us. Just go to ramseysolutions.com slash wealth, put in your email, and you can join the online

streaming for free. If you don't like the event, we'll give you half your money back. So check it out. Open phones at 888-825-5225. You jump in. John Deloney and I will help you out. Victor's in San Jose. Hi, Victor. Welcome to the Ramsey Show. Dave, good afternoon. How are you?

Better than I deserve. What's up? Dave, I wish I got on your plan a few years ago. I'm a new listener, and the plan that I've had for myself is very muddy and cloudy. And so I like your plan, and I hope I'm going to get some insight here. Hey, talk directly into your phone, brother. Hey, you're muffled like crazy. You need to speak directly into the phone.

Right into the phone there. There you go. Sorry. There you go. Is that better? Yeah. All right. So we, we make quite a bit of money over $300,000 a year and with a tax deductions and all sorts of benefits that we pay for out of that and saving for retirement, uh, we take home roughly 200,000. And, um, so then I started doing a whole lot of things and maybe I took on too much so

the fundamentals here I have about $80,000 in savings I have $200,000 in a 401k I have $30,000 in a Roth $42,000 in an index fund. That's what you said, right? And I've got a house mortgage for $365,000. All right, listen, let me stop you a second. I apologize, but we can't do your whole financial plan. What's your question? Oh, so my main question was I took on two rentals that I have a mortgage on, and the idea was that I would keep these for 15 years,

and they would pay for my kid's college fund. Good. And I've got a mortgage on them. They cash flow positive to pay that mortgage, but I'm not sure if that's a great idea yet, and I've got these index fund, $42,000 sitting there that I also was going to use as a liquid fund for kids, college, or whatever is needed 15 years down the line. Okay. I'm going to back you all the way up and pan out to clarify.

You said you've got this murkiness because there's too many things going in too many directions. So let's just streamline it right down the baby steps. So make sure you have an emergency fund of three to six months of expenses setting liquid in a simple savings account. Don't touch that for anything. That's just for emergencies. Make sure you're debt-free but your house. I think you are based on what you're saying.

You're making really good money. Then at baby step four, you need to be putting 15% of your household income into retirement. You're putting some of your money into retirement. You talked about the difference in your 300 down to 200. So I don't know exactly what that number is, but go back and recalculate and make sure you are putting 15% of your income into retirement. Maybe step five is kids college. Six is pay off your home as quickly as you can. And so you've got some rentals that you're thinking you might use for the kids' college. You might do some other things. So I'm taking the 42 out of the index fund.

I'm taking some of the money out of the $80,000 sitting in savings. I'm going to set some aside for that three to six months of expenses. I'm going to throw the rest of it at your personal mortgage. When your mortgage is gone, then we'll reach over and start paying off those those rentals and so let's get the mortgage knocked out and then start paying off the rentals as fast as you can and just direct your cash flow at those things instead of instead of dispersing it across so many different things because what you're realizing is is that by spreading out the focus by not having any focus the money loses its power when you focus it and narrow it down and rifle it rather than shotgun it it'll go a lot further a lot faster much like a rifle versus a

shotgun does and so that that's what you've got to do here and that's the beauty and the clarity of these baby steps and walking them that way hang on man i will send you a copy of the new book baby steps millionaires it'll talk about what i'm talking about here and exactly how to do it to turn what you're doing into millionaire status but the clarity is what you're missing you're all over the place with it and you're right you you self-diagnose that really well yeah so and man you'll sleep better yeah you'll just sleep better you live in that chaotic life everything's everywhere you'll sleep better. You'll just sleep better. You live in that chaotic life. Everything's everywhere. You'll just have a more peaceful life.

When there's a circus going on in your brain, it's hard to sleep. That's normal. Adam's with us in Orange County. Hi, Adam. Welcome to the Ramsey Show. Thanks, Dave. Thanks for taking my call. Sure.

I had a quick question for you. We're following your program. We've been saving for the last five years to buy a house. We put a big down payment on. We got into a house. And my company just got recently acquired by a private equity firm. And I've been gifted some shares to the company. But then I also have an opportunity to be a co-investor into the company. And my decision... don't i don't want to be a minor stockholder with a private equity firm being the dog i'll pass you got no control you have no reporting you have no liquidity you're gonna get your you know you got as good a chance of getting your head taken off as you do making money here it's a very very high risk play very high risk play i wouldn't do it i mean and i get the opportunity to do stuff like that every

day and i don't do it and i've got the ability to lose the money and still be okay and i don't do it um it's just a it's an uber high risk play now if i were the private equity firm and i could control everything then i might do it but the fact you got no control you're sitting in a minority stockholder position they can just vote crap going on there that you don't want anything to do with and they run the company poorly they run in the ditch they could sell it off for pennies on the dollar because they lose patience with the deal and you go with them on the ride and you don't get any choice so yeah yeah it's like getting in the back seat when you're a freshman and your brother's a senior and all his friends are too and you're going wherever they're going to go well and they've

been drinking and they've been drinking too that's exactly there's that yeah max is in new york hey max welcome to the ramsey show hey thanks for taking my call sure Sure, man. What's up? So I am 23 years old. I have about $70,000 in student debt, $71,000. I made a routine investment into NFTs. I lost about $15,000. Well, let me stop you right there. You can't lose money on NFTs. They're a foolproof way to become a billionaire right i thought everybody made money on bitcoin and

nfts what happened nfts are the future max i'm wondering the same thing yeah you'd think so you would think so if you read reddit you lost 15k 15k and you're 23 years old with 70 000 in credit cards how quickly did that go away, man? Like 20 seconds. Probably about a month. And it's not credit card debt. $71,000 in student loan debt. I know. Did I say credit card debt?

I'm sorry. You did say student loan debt. I heard you, but I just said it wrong. Max, I'm sorry. I'm poking at you, but I'm sorry. That's a hard loss. We get trashed all the time for telling people not to do this, and then here calls a guy 23 years old.

This is why we tell people not to do it, just exactly what happened to you. put 15 000 real money into this where'd you get 15 000 i make 90k a year good okay so let me just tell you i think this is absolutely wonderful the best thing that ever happened to you you're not 83 you're 23 and you already got one level of stupid out of the way. You'll never do this again, will you? Man, you just paid 15 grand in stupid tax that you will never pay again. When you are alive on that? I did the same thing when I was your age, Max. I lost 5 grand in 26 minutes on a gold future.

This guy was never, he hid everything on gold futures. I put money on gold futures, it just evaporated. I had to go home and tell my wife, and she looked at me like the idiot that I was. I was 24 years old. The ROI on that 15 grand? You know what? I have never lost another dime on a future either, by God. You get it out of the way when you're 23, it's awesome, man.

You make $90,000. You're a stud. Get on with your life. You're great. Never do it again. Dr. John Deloney, Ramsey Personality, is my co-host today. Open phones at 888-825-5225 thank you for joining us in the lobby of ramsey solutions with a question joey from chicago hi joey how are you good how you doing dave and john better than we deserve brother what's up so i had a question uh for retirement advice um i'm in the uh i'm

blessed to be part of a uh trade union and I'm an electrician in Chicago. And so I've got a pension and annuity through that. And so as far as my take-home pay, that part that's withheld for retirement equals around 30%. So I was wondering as far as like maybe additional investing, because you usually say kind of don't count that to the fullest when you don't have full control. I saw some things, I've kind of got the eye for real estate like you do, and I saw some things where you can have a portion of real estate, kind of like a mutual fund works where it's, you invest in, the company you invest with gets you portions of real estate and kind of invest that way. Well, there are several models of that.

The most liquid and the most, meaning you can get your money back out, and the most stable and reputable version would be a REIT, a real estate investment trust, an REIT. And that is basically aIT, a real estate investment trust, an REIT. And that is basically a mutual fund for real estate. And the better run REITs have gotten as good a returns as like a growth stock mutual fund would. So they're doing really well overall. And if you want to get in that way, that's not a bad place to play, given the way you've got the rest of your portfolio is out of your control, but it's over there hopefully in mutual funds with the union and everything and in those annuities and all that stuff.

So, yeah, that wouldn't be a bad way to do it. Now, there's other ways that you can buy portions into things, some limited partnership stuff and some other things. Those would probably scare me in your situation. So if I were in your shoes, I probably would do one of two things. I would either buy REITs or I would buy REITs until I had enough money in that that I could cash it out and just buy me a piece of real estate. That's kind of what I was thinking. Yeah, that kind of a thing. I might do that and just call it all real estate as far as a category goes. That's not a bad idea

at all, actually. It's a good way to get to the business and have your money in the real estate business but the the reits early on 20 years ago 25 years ago they were they had a lot of heavy fees and they were milking the properties with management fees before the money got to the investor and so the returns weren't that great but uh in the last probably decade or so, they've really become a valid, good, long track record, well run. You can research them like you research a mutual fund. You can get with a SmartVestor Pro and pick one out even, that kind of a thing. But, yeah, I think that would not be a bad idea at all. That's a good idea. I would not do limited partnerships.

I wouldn't do partial things, you know, where you like 100 people are coming together and doing a deal i wouldn't do that that's that's more like that last guy that he's got a a minority interest in a company that kind of thing you get yourself in a pinch there but the reits are more mutual fundish like in terms of how they operate and or then just pay cash for some real estate yourself that's cool i. I like that idea. Yeah, me too. Hey, thanks for stopping by, brother. Thanks. Open phones at 888-825-5225. Gabriel is in Bozeman, Montana. Hi, Gabriel. How are you?

I'm good. How are you? Better than I deserve. What's up? So I'm wondering if I should move to Texas. So the situation is that I'm having difficulty finding a good job where I live right now. And currently I'm doing DoorDash to pay for everything. The thing that complicates that is that I recently got rear-ended

and the tow hitch of my car is broken. is that I recently got rear-ended, and the tow hitch of my car is broken. Do you have a job lined up in Texas? I do not. Why Texas? Yeah, what's going to be different about Texas than Montana? So in Montana, well, it's really two-fold i guess um i also have difficulty finding apartments um so in the entire state there's like 10 apartments available right um and i think gabriel come on if i move, I want to move somewhere that I put...

If you want to move, that's fine, but you don't have to lie about Montana. There's 10 apartments in Montana. Come on, dude, really. I mean, you just said that out loud in front of everybody. Seriously. Okay, so if you want to move to Texas, I'm cool with that. Fix your trailer hitch and load up the truck and head to Beverly, man. Right.

What's the hesitation? Why not just go? Fix your trailer hitch and load it up load up the truck and head to beverly man right what's the hesitation why not just go fix your trailer hitch and go what are we missing um so i'm i need to like uh gather a uh moving funds um the the hesitation there is that um i have been considering for a couple of months and i'm not i feel like i'm not quite ready to pull the trigger just yet i mean like you said i don't have a job lined up i need to i need to make sure that i have that first if i am doing that how old are you i'm'm 19. 19. Okay. Where does your family live? My family lives here in the state of Montana. Okay.

All right. Could you swing by there and camp for a little while and build up some money and get some family support before you head out? Or are you? Go ahead. I think, so, I think that's off the table right now.

I've already lived under their roof for a little bit and I'm pretty sure they might have declared that like, you're on your own now. I am currently living under a friend's guest bedroom

for rent, which is around $300 a month. So, Gabriel, it sounds like what you need, brother. It sounds like you've got a lot of apprehension and a lot of things in your head and a lot of things floating around and a lot of uncertainty. Man, I really want you to get a buddy and y'all go out and grab some chips and queso and make a plan. Write this stuff down on a piece of paper. And it's going to get it out of your head and get it from all over the place, man, because you've got a lot of fear built up.

Do you have some mental health challenges you struggle with? I'm sorry, can you please repeat that? Do you have some mental health challenges that you struggle with uh no no i i am i am struggling to make money though um i'm making around anywhere between a thousand and fifteen fifteen hundred bucks a month and i feel like i'm not able to pay off my debt with that amount of money. Absolutely, yes. I don't disagree with that, but there's a whole lot of bouncing around going on in our conversation with you.

Yeah. And so what we're trying to help you do is to settle down and streamline through a game plan here. Texas feels like it was just going to be the glory land where everything was going to be okay and everything was going to be different. The common denominator is it'd still be you. You go with you, brother. And so you've got to work on all that.

So have you been a member of a good church? I have not, no. Okay. Do you have some of your dad's older friends that you trust to kind of coach you since the whole thing with your parents is not going that great? Not really. Okay. I'd love to get somebody in your life that has their crap together

that would sit down with you and kind of walk you through over some chips in case. So maybe more so than one of your buddies that might kind of give you a little bit of coaching, a little bit of guidance and tell you in love what they see and what you can do to get this stuff going. Because I, I, I, I don't think you are running to something in Texas. I think you're running from something, and I don't think you're going to find it there. You absolutely will not. Yeah. You asked, brother, and we're obligated to tell you because we love you. This is The Ramsey Show. We'll be right back. Our scripture of the day is Proverbs 10.4.

Lazy hands make for poverty, but diligent hands bring wealth. Ralph Waldo Emerson said, The best lightning rod for your protection is your own spine. Ooh, I've never heard that. Wow. The best lightning rod for your protection is your own spine. Boom. Love it, love it, love it.

Hey, Blinds.com gives us our question of the day. They have a 100% satisfaction guarantee. That means even if you mismeasure or you pick the wrong color, they'll remake your window blinds for free. With free samples, free shipping, new promos all the time. It's a great American company, the place to get your window blinds for sure. Blinds.com. Use the promo code Ramsey to get the best deal. Today's question comes from Sarah in Canada. My husband and I earn about $5,000 a month and we're $30,000 in debt. We've

been looking for a new rental situation, which is challenging in the current market. Out of the blue, one of my husband's clients offered to let us live in one of her homes for 500 bucks a month. My husband will still get paid normally when doing work for her. She is a real rags to riches story and is incredibly generous. And for the first time, we don't have to be scared about whether we can make rent or bills and our debt will be paid off quickly. My question is this, when you've always been treading water to keep your head just barely above it, how do you learn to kick back and float? How do you let yourself feel safe and breathe for the first time in years? There's a lot in this question, Dave.

Here's my thoughts off the top of my head. There is a difference between letting yourself feel safe and breathing and kicking back and floating. Ah, great. And if you kick back and float, you will never feel safe and you will never be able to breathe. And so I don't want you to ever

quote unquote kick back and float. I wish there was a sexier way to say this, but you got to practice. You got to practice reminding yourself, you and your husband come up with new words that you give for each other when the other person's starting to get amped up and you say, hey, let's take a breath. My wife and I did this for years. Anybody healing from trauma does this. You practice it and you call it out with each other. And over time, your body adjusts to being

safe. And I'll also tell you, if you're living in a special rent situation, you're not safe. You got to save up some money and get yourself your own place because this this isn't going to be this way forever that's my thought so when we're coaching people with their money and they're in a highly stressed out freaked out they're behind on their bills their car is about to be repoed. They got a lot of debt. It is, if the first 10 years I did it, it caught me off guard. It would catch me off guard. It no longer does just because of experience that when people start doing a budget and then they use the money that they've got and they say we've got this much money

and on this date we'll have that fixed. On that date we'll have that fixed. On that date we'll have that debt paid off on that date we'll be debt free on that day we'll have our emergency fund based on projecting the budget that's in front of me and they do their budget for the first time and they're able to extrapolate their future none of the work is done their situation has not changed only their ability to see their way out of their situation with a system has changed that is where you can breathe and feel safe and their stress level goes down 90 just by laying out the freaking plan there's some research that says people with the moment you make your first counseling appointment you start to feel better well and people cancel their counseling appointment because they feel

better yeah they feel better like they have a big fight book a marriage counseling appointment and then they make up and they don't get the help they need and they don't get the help and they cancel the appointment happens all the time the same thing happens when you do a budget even though you still have your bills are out there screwed up everything's still up in the air it's still a mess but now you can see how you're going to get out the stress level drops 90 and that's when you can breathe and feel safe so you need to project this temporary rent situation that you have out and say we're going to be out of debt here and we're going to move out of this voluntarily before the generosity of the sweet lady runs out, and you change your narrative about the way you look at her because suddenly she actually wants to collect rent.

And all that's different than kicking back and floating, doing nothing. You feel safe because of your plan. You breathe because of your plan because we have a thing we're doing here we're working the baby steps we're on a budget we can see the progress we can see a future that is bright there's a vision for our life and your stress level goes down and you breathe and feel safe but you're not kicking back and floating you're you're busting it with great intensity that's right so yeah i agree with you to separate those two statements. And I think you're wanting something you should probably never get, which is to do nothing. Don't ever, don't ever strive to do nothing.

Resting is not nothing. There's no joy in it. There's no joy in it. You've got to rest, and rest isn't, that's not what we're saying. And you've got to sleep. That's not what we're saying. Those are critical parts to being well. But you've got to be intentional about rest. You've got to rest, and rest isn't, that's not what we're saying, and you've got to sleep, that's not what we're saying. Those are critical parts to being well, but you've got to be intentional about rest. You've got to be intentional about sleep.

You feel safe and breathe while you're getting crap done. Absolutely. That's how you feel safe, is having purpose and working towards something. That's a good point. That's a good point. There's this empty nothingness thing. I mean, these chambers that they've got at these things now where you can go float. Oh, yeah.

And all that stuff. That is not, I mean, it's fine to do, and I'm not mad at it. It's nothing like that. It's not a way of life. But you don't want your life to be that. No. You want your life to be, I'm climbing a mountain. My life is, I'm going on a hike.

Me and Pat, let's see what we're talking about. Our whole culture is set up for that. The goal is to. We work to do nothing. To do nothing. To get to the end of the day and sit culture is set up for that. The goal is to do nothing. To get to the end of the day and sit in your recliner and kick it back so you can do nothing. What a lame, terrible life. Which is why people die right after they retire. Or they die all the way of their working life.

That's even worse. Josh is in Chicago. Hey, Josh, how are you? Hey, guys. How are you doing today? Great, man. What's up? I just had a quick career question that I've been struggling with.

It's a little bit of background. Three years ago, because of a retinal disease that I was diagnosed with when I was a baby, it started kind of going crazy on me, and since then I've been losing vision. And at this point, I'm blind, for lack of a better diagnosis. My problem is I've been looking for work, and I'm struggling to find a company or a specific job role that enables me to use computers and programs with a screen reader technology that blind users use. So I guess I'm just wondering, do I think about making a career path change? What were you doing?

What's your career? So before all this happened, I worked at a small business. I was a marketing and sales manager on top of doing customer service. I wore a lot of hats there um and so what would you do what would you do if you could do anything using this computer program to aid you in doing the thing what would you do i've been asked this a couple times since since like the beginning of the year. And I, I keep falling back on something customer service related. I just, I w I love working with people. I love trying to understand where they're coming from. Um, and you know, that's, that's where I feel like I would

succeed the most, especially, you know, having a disability, I would want to set myself up to grow within a role and an industry. And, um that's kind of that's where i'm at i can't i can't really think of of anything else i would love to do in addition to continuing your job hunt using all the ken coleman tools um the first thing that pops into my mind because it always pops into my mind because i'm an entrepreneur is what could you do that you own it with a computer in your living room? And you could control all the variables and control your destiny a whole lot more in that setting than being dependent on someone else to make a way for you to be able to work in their organization.

I don't know. Have you contacted DARS in your local community, the Department of Assistant and Rehabilitative Services? Yeah, so I'm actually working with a recruiter. There's a program through Social Security called Ticket to Work, and it basically sets you up with a recruiter who is familiar with working with people with disabilities. There's job coaching. But that's different. DARS will help you with disabilities. And, you know, there's job coaching.

But that's different. DARS will help you with the computer programs, depending on your state. Like, they'll help you with the software to get you the microphones, the tech, that kind of stuff that you need. And that can be a real gift to rocket launch you out into your career. Man, I'm proud of you. You've got a lot of courage facing this down. You're going to get there.

You're going to help a lot of people, too. You're going to turn into something really important. This is going to be amazing when we hear the end of your story or hear further down your story. Thanks for calling in. That puts us out of the Ramsey Show and the books. We'll be back with you before you know it. In the meantime, remember, there's ultimately only one way to financial peace, and that's to walk daily with the Prince of Peace, Christ Jesus.

This is James Childs, a producer of The Ramsey Show. You can listen to all our shows with the Ramsey Network app on your smartphone. Browse by topic or even send clips to your friends. Download the Ramsey Network app in your favorite app store today.