The Ramsey Show - App - How Can I Apply These Principles to My Business? (Hour 1)

Episode Date: October 18, 2019

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NBC News is reporting, as one in five American adults wonder how to pay off their combined $1.6 trillion in student loan debt, Sally Mae executives and sales team members wrestled with a different question between meetings. Should they spend their time on their five-day paid trip to the luxury Fairmont resort on Wallalia Beach in Maui? Yep, Sallie Mae brought more than 100 of its employees to Hawaii in August to celebrate a record year of $5 billion in student loans made to 374,000 borrowers.

The company said it didn't pay for the employees' families to attend, but some did tag along. Sally Mae just sent 100 folk to the Fairmont, which is a pretty sweet property in Maui. Guys, this has reached the point that these scumburgers really don't even understand how bad their optics are on this. This has reached the point of sheer stupidity. Sally Mae and Navient are both getting hammered for their lack of service, their mistreatment of borrowers, and they're celebrating another $5 billion that you and and i as taxpayers government insured student loans were made to

another 374 000 borrowers and they're in maui dancing on your grave and your congress continues to allow this to happen. When are we going to wake up in this country and realize the idea of loaning an 18-year-old $100,000 unsecured to get a degree in underwater basket weaving is a stupid butt idea? When are we going to realize that the student loan problem is not just a problem, it's an epic plague, and Congress caused it, and Congress and only Congress can stop it. It's way past time to stop the federally insured student loan program. If it's so bad that you left-winger dingers out there think we have to forgive the loans, then how is it anything except intellectual dishonesty to continue making the loans while you're talking about forgiving them? That's just not logical. Now, politics in Washington has never been logical.

And when people are trying to make a point to get your vote and okay that these scumburgers are working on their tan in maui how is this okay under what set of rules under what set of screwed up toxic psychology could you possibly get to the idea that this is morally right? It's just not. And it's out of control. It's got to stop. So I was speaking to a group of highly influential business guys this morning, and I always get the question in the Q&A, Dave, do you ever get invited to Washington to tell people how to balance their checkbook there?

I'm like, yeah, I get invited all the time. I quit going because the only reason they really wanted me there was so they could say the next time they did a campaign that Dave Ramsey came at their request. They were just trying to use my name and my brand for their political gain. They intended to do nothing. And so I quit wasting my breath. Instead, the best thing i can figure out to do

is to activate all of you to either fire their butt or light their offices up until they decide they're going to stop making student loans oh and by the way there's another way we can put them out of business right quit taking out student loans ta-da mean, even if they kept making them, if you just quit taking them out, we could make it where it isn't so cool for Navient and Sally Mae to have 100 scumburgers working on their tan at the Fairmont in Maui. Celebrating the fact that another $5 billion has been peddled, I could use other words, to 374,000 more borrowers. Guys, this is ridiculous. The more we get into this mess, the student loan thing, the bigger a problem we see it is,

the bigger the predatory actions of these guys are the uh stupidity of the cultural acceptance where it has just become accepted that you can't be a student without a student loan dave you're a dream killer no baby i'm a nightmare killer and i'm a nightmare for people who want to put people into a nightmare too because i got a big loud voice and i'm gonna step all over your butt if you don't quit messing people over. So yes, I'm a dream killer. If your idea of a dream is going $235,000 in debt to get a degree in left-handed puppetry from Harvard so you can say you went to Harvard, then I am here to kill your dream. Because your dream is getting ready to become a nightmare and the 42-year-old version of

you, while you're still paying that crap back, is going, and the 42-year-old version of you, while you're still paying that crap back, is going to hate the 22-year-old version of you, and you're going to want to smack your stupid butt high school guidance counselor who didn't give guidance, and you're going to want to strangle your parents when they didn't stand up to you and say, no, you're 18, and you're stupid. You're not doing that. I want to kill nightmares.

I want to kill nightmares. I want to kill nightmares. If you want to call that killing a dream, if your dream is to go deeply in debt to get a degree so you can say you went to a certain school, I am here to kill your dream. Because you're going to find that to not be a dream when you get out here in the real world. Because in the real world, nobody gives a rip where you went to school. They just wonder if you learned something while you were there that's actually useful. That's all they want to know. Did you learn something? Just getting a degree is not your ticket.

Just getting a degree from a famous university is not your ticket. Success is not caused by those things. Success is caused by hustle and grind and knowledge and hustle and grind and some more knowledge and character and integrity and perseverance and hustle and grind and some more knowledge and this is where success comes from it doesn't come from where you went to school that's the dumbest butt thing I ever heard in my life. And you've got to quit telling these lies to each other out there, people.

It's time to stop this mess. Hey, you guys go to Borrowed Future and download the Borrowed Future podcast and listen to those eight episodes. You're going to get as pissed off as I am if you listen to this stuff. You're going to be going, this is ridiculous. This is absolutely asinine. Borrowed Future, wherever you listen to this stuff, you're going to be going, this is ridiculous. This is absolutely asinine.

Borrowed Future, wherever you listen to podcasts, borrowedfuture.com, whether it's Apple, Google Play, whatever, Spotify, go listen to this thing. There's eight episodes. I think we've downloaded

four of them now, and it is absolutely rocking. And this article wasn't even out when we did this. We would have pounced on this thing. Good gosh. This is the Dave Ramsey Show. Are high health care costs getting you down? Are you confused trying to navigate your options? Do you wish you could find an affordable biblical solution to your health care costs?

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chministries.org. So guys, big news. The book Debt-Free Degree debuted on the wrong list. Yeah, an employee at Ingram, our distributor, screwed up the categorization, and it ended up on the wrong list. So if it had been on the right list, it would have been a number one based on books sold. And instead, it's on the large nonfiction list, and so it's number seven the first week out. So it did really good. Again, we could call it a number one if we want to.

It's just on the wrong stupid list, and we have the numbers to prove it and all, but oh well. Next, Anthony's Weather's on the road, and debt-free degree is on fire, baby. Congratulations. I'm so proud of you. Oh, man, thanks so much, Dave. Appreciate you for just, you know, the support and allowing me to do it, man, a part of the team. It's been a huge and a fun ride.

Excited about tonight. Get to meet some more people. Continue spreading this message. We're expecting a sold-out, not a sold-out, but a packed out uh night tonight at book books a million here in katie mills at 6 p.m so i'm pumped dave i'm just ready to keep going and keep spreading this message very good stuff is happening man i'm telling you so did you see the article that i was reading from before in the other uh thing nbc news is reporting that uh sally may took a 100 of its employees to a resort in Maui. I did, Dad, and probably thousands of my followers. I have literally about 200 DMs saying this crap is horrible.

What do you have to say about it? And it's frustrating, you know, Dave, that while they're out there having a good time and celebrating, we have millions of individuals out here struggling, not buying homes, sacrificing things and hurting, which is why this book is hurting, helping a lot of people because this is ridiculous. Well, the good news is we have the vaccine to get rid of the disease. And the vaccine is go to college debt free.

Right. And is is go to college debt free. Right. And is is go to college debt free. And we give you the step by step process on how to do it. I was on Fox 26 this morning and they asked me to do five segments day, five segments, because they were so excited about this, this book and our message right now. And they asked me the same question. I just said, hey, we don't have to worry about Salome. What we're going to do is we're not going to entertain Salome. We're going to be teaching young people how to go to college debt free. And if you follow the principles in the book, you will do it 100 percent debt free. You don't have to evict Salome from your house if you never let her in in the first place. That's it, Dave.

There we go debt-free degree the step-by-step guide to getting your kid through college without student loans is an official an official best seller and uh anthony's been traveling all over the country for two weeks doing book tour and uh ends up in houston tonight and tonight we're doing a book signing. He's doing a book signing at Books a Million at Katie Mills. That is this evening, right? Yes, sir, 6 p.m. And, Dave, I don't want to forget because this has been great.

We're giving away $500 cash to someone 18 years and older, and I'll be answering questions. It's going to be a fun night. We've had a blast the last two cities we've been in doing book signings. So please come on out, you guys. I look forward to hearing from parents and parents listening. Please bring your kid. I don't care if they're five years old or 18 or 21. Bring them and let's have a talk about how we can keep Salome from outside of our families and even from outside of our homes as well. So please come on out. Anthony, you and I have talked about it quite a bit over the last year

as you've been putting this material together, and we've even talked about it on the air several times. There's a group of folks that are now saying that college has become so expensive that it's just not worth it, period. Forget it. And we're really not in that group. No. We're really, I mean, you're saying there are times that someone, we do need a revival in trade schools.

We do need a revival, especially if you're in the technology field. You don't necessarily need a four-year degree. You probably don't need a four-year degree in the technology field. There's lots of fields you can go into without a four-year degree. but the idea of just saying all college is bad because some people have done it wrong and done it wrong with toxicity, we're not in that camp. And how much of that are you hearing in the Q&A times? Are people raising their hands saying, just forget college? Absolutely.

I've been hearing that often, like, well, should I even go to college? And, Dave, my thought is this. I am been hearing that often, like, well, should I even go to college? And Dave, my thought is this. I am a huge fan of education. I believe education is very, very important. Here's what I'm saying. College doesn't have to be experienced. Getting your education doesn't have to. And it all boils down to the route that you choose, the school that you choose. If you want to go to a college, a four-year university, choose local in-state school. If you maybe start at a community college or maybe look to a trade school or a tech school, it doesn't have to be expensive. Dave, you taught me this a while back.

Let's just do the math. If the average school is going to cost you in between $6,000 and $11,000 in-state, let's say you get on the high end you're spending ten thousand if you divide that over 12 months that's 833 dollars if you stay at home and you eat at home you can work 10 to 19 hours a week and pay cash for that a month so yes while there are expensive options out there the route that we choose doesn't have to be as expensive. We can do it 100% debt-free. It's going to require work, but we can do it. Have you actually had anyone at the Q&A at any of these book signings you've done all over the nation just accuse you of saying, oh, you're a dream killer. You're telling people not to go to this expensive school, and everyone knows expensive schools

are the gateway to success. I don't have no one accuse me, but I did have someone very challenged me a lot. Like I have to go to Harvard if I really want to be a lawyer. Are you telling me that I cannot go to Harvard? And I told him, I'm not saying that you can't go to Harvard. What I'm saying is you better not go to Harvard if it's going to require you to graduate with debt. So that's what I'm saying. And I think people are getting the picture when they hear my message overall, Dave, that I want you to go to whatever school you want to go to. I just do not want you to have debt. So if you start off two years at a community college and then transfer to Harvard, I'm all for that. Or if you get a scholarship to go to Harvard, I'm all for that. But if you're saying I'm going to borrow $200,000 to go to Harvard just so I can be a better attorney, I'm sorry to say this to America,

but just because you go to Harvard doesn't mean you're going to be a better attorney. Education is education. What makes you a better individual is your hard work ethic, your character, and if you're living with intentionality. So it has nothing to do about where you graduated from. It just means do you have the education and are you willing to put in the work to become the very best? Anthony O'Neill, author of the national best-selling book, Debt-Free Degree, the step-by-step guide to getting your kid through college without student loans. So if you're out there and you've been trying to clean up your own mess and you've got a junior in high school, a freshman in high school, a senior in high school, and you feel like you've messed up as a parent because you can't pay for their whole college, it's okay. It's okay.

Anthony can show you how to do it. Right, Anthony? I sure can, Dave. And I have seen a lot of that at the book signings. Parents coming up to me saying, we just got on the Dave Ramsey plan. We've just been following you, Anthony. We don't have any savings. And one thing I'm telling them, it's going to be all right. One parent says she wanted to go into a 401k. And I immediately told her that's not a smart option. Connected her with Chris Hogan and his book. And I said, we need to stick with your retirement. Get this book because there are several ways that your child can go to school debt free.

So I'm feeling for these parents out here who really want the best for their children, but they do not have to sacrifice their future. I'm going to walk them through and how they can do this for both of them. They can keep their retirement and their child can get the education that they deserve guy called me yesterday very very very condemned and shamed makes ninety thousand dollars a year his kid was going to community college and he said how are we going to do that without them going into debt and i said what's it cost three thousand dollars a year two hundred fifty dollars a month like dude you make ninety thousand put 250 bucks a month in the budget i mean cut your cable you're you're you're not a failure as a dad you know you know you junior can deliver some pizzas

you can buy a leaf blower rich people are afraid of leaves they'll pay you to get rid of them that's the sound of money right there you know there's all kinds of stuff you can do so anthony very proud of you man very well done keep it up books a million tonight houston katie mills 500 given away no purchase necessary come out and see national best-selling author ramsey personality anthony o'neill with the book Debt-Free Degree, the step-by-step guide to getting your kid through college without student loans. We'll be right back. Thank you for joining us, America. Wade is with us. And Wade is, where is he?

There he is. In D.C. Hi, Wade. How are you? Doing great, Dave. How are you? Better than I deserve. How can I help? I thought I was doing my debt-free stream. You are. Good for you. That's what I see on my screen. Congratulations.

So how much have you paid off, sir? It was about $40,000 in 15 months. Good for you. And how long did that take, or 15 months? And your range of income? I started at around $60,000, but with overtime and everything, I got up to about $85,000. Cool. What do you do for a living?

So I'm a support engineer for Amazon Web Services. Gotcha. Okay. And what kind of debt was the $40,000? Yeah, so it was a mix of everything stupid, basically. It was a car loan for about $7,000, a motorcycle loan for $12,000, and then the rest were all student loans for an associate's degree. I had not even a bachelor's, so.

Cool, cool. So they just flashed a picture up on the YouTube channel of your of your bike sweet bike oh it was it was i mean it was great but was you say like in like in past tense did you sell it i did i did yep oh it was uh i i was with the uh with car and jar with the motorcycle insurance and everything. My payments were upwards of about $600 a month. And at the time, I realized that I've got to get this stuff squared away. And having that over my head, it wasn't worth it. Good for you. So how much did it sell for?

So I was able to sell it for about $7,500, and then I had to cover the rest that I owed on it. Okay. All right. Cool. Hey, man, congratulations. The good news is you live like no one else later. You can get whatever you want to ride, right? Exactly.

One day I'll be like you. Good for you, man. Very well done. So what started this story 15 months ago yes so i got my you know first job kind of making you know decent amount or at least i thought it was at the time um i mean i still do now but i at the end of the month you know like a lot of people that call on your show there's just nothing left you know and I was just kind of scraping by counting down the days until my next paycheck. And I was just kind of sick and tired of being sick and tired and decided to take the step. And I'd actually gotten your book when

I was around 18, I'm 29 now. And I'd read it and, you know, I was really into it for a little bit. And then it kind of just went on my shelf because I didn't really have any major bills or anything at the time. You know, I wasn't very responsible. And, yeah, 15 months ago, you know, I kind of kept looking at it, you know, on my bookshelf and started listening to your podcast almost every day on my commute to work. Now you're in trouble. Once you start doing that, it kicks in, right? No, exactly, exactly.

Exactly. And, you know, I just felt this almost guilt that, you know, I was going to end up, you know, broke somewhere, you know, when I'm 70 years old with nothing to my name. And I didn't want that to happen. Amen. How's it feel now that you're free? It feels amazing. Absolutely. There's no words that can really describe it.

I mean, you're free from bondage of self, I guess, in that sense. Cool. How old are you? I'm 29. You said that. I'm sorry. That's right. Okay.

Cool. Well, congratulations, sir. Who were your biggest cheerleaders while you were doing this? Oh, so that would have been definitely my grandma. I'm actually calling her from your house now because I don't have a landline at my home. But, you know, my grandma, you know, she was always there for me. She's always been really good with her money. I just never listened to what she told me, unfortunately, when I was younger.

My girlfriend, Shane, she also was a huge motivator, too. I mean, I try to be as frugal as she is but well done it's hard to do very well done proud of you congratulations thank you cool and now on to the next chapter everyday millionaire right yes sir hope they'll be calling back to your show here in a few years i'm ready for the millionaire theme hour me and hogan will be sitting here waiting on you brother we're going to send you a copy of Hogan's book, Everyday Millionaires. That is the next chapter in your story.

Just chapter one's done. Now it's chapter two. Chapter two is Bill Wealth, and get after it, man. Proud of you, Wade. Congratulations. Wade in D.C., $40,000 paid off in 15 months, making $60,000 to $85,000. Count it down.

Let's hear a debt-free scream. Three, two, one. I'm debt-free! Yeah! Woo-hoo-hoo! There we go. I love it. Very well done.

Gabrielle is with us in Tennessee. Hi, Gabrielle. How are you? Thanks, Scott, Dave. I'm well. How are you? Thanks, Dave. I'm well. How are you? Just the same, sir. How can I help?

So my wife and I got on your program about six months ago. We read your book, Total Money Makeover. We use the EveryDollar app, and it has totally changed our marriage in a really good way. So we want to say thank you, first of all. Cool. My question is, I run a small kosher food truck here in Nashville and, uh, I'm struggling to follow the same principles that we use for our personal finances that you recommend while I'm managing a business, particularly the small business. So I, I'm struggling to do it without credit card debt, basically. I got a

business credit card because I was really struggling to make ends meet. And all of a sudden, boom, it's shot right up to $14,000 right now that I'm in debt. And I don't know how to apply the same principles that we use for personal finances now in the business setting. So that's my general question. How good a job are you doing with your business keeping the books? Decent. Unfortunately, I had a bad experience with an accountant, so I have to do a lot of it myself. And it's not – numbers are all right with me,

but it's definitely not my strong suit. I'm a people person. This is why you're in debt. Okay. It's not because debt is necessary. It's because you're disorganized. You're probably not making much of a profit, and you don't even know it.

So we're going to have to get these books dialed in. The accounting is how you know. It's the health assessment of your business, and the only way you can make adjustments in the menu, the only way you can make adjustments in the cost of food that you're choosing to purchase, the only way you can make adjustments in the hours you're working or where you choose to set the truck up is if you measure profitability and income, gross revenue, as a result of all those decisions. And you cannot tell if the business is doing, other than you have this vague sense of, seems

like people are buying a lot of that one item. But that's a vague sense because you're not tracking it. Now, the reason you had a bad experience with an accountant was you asked them to take over and run your business no that's not your their job their job is just to produce the numbers so that you can run your business i i don't want you to have hey listen i am really good at math i hate doing accounting it sucks and people who like doing accounting are weird but there's some of them that are out there and i hired several of them who work for me to do accounting because they think it's fun and i tell them all the time you're strange if you think that's fun they say

you're strange because real people like doing this and we argue and have fun with it. But you need someone who actually enjoys doing it. But you have to enjoy knowing the pulse rate, the heart rate, the cholesterol count, the whatever other number we want to use as a medical metaphor for your business. And you're looking at the numbers. The numbers are the tea leaves by which you can read the future of your business and the past of your business. And you look down in the cup at the tea leaves and you say, oh, my son, I see stress or whatever. Because, you know, you don't like debt.

You didn't go get debt just because you thought it was a wonderful thing. You got it because you had to cover a bill and you didn't have the money to cover the bill. Right? Right. And the reason you didn't is you don't know where the flip you are with your money. So you got to get your dadgum accounting straightened out. It's okay to get a bookkeeper to help you do it,

but don't turn your life over to them. Their job is to help you produce the numbers, and they might even do a little bit of teaching with you and say, Hey, Gabrielle, this is what you're going to see, man look at this number you're a lot of the sandwiches like this are going good a lot of this other item's not going at all it's costing you a bunch of money your waste over here is huge your profit over here is huge so let's do more of the profit thing and you change your menu around you do every bit of that We'll be right back. Well, I just got a flurry of emails and texts at the break. Our publishing team moved mountains and was able to get the Wall Street Journal to fix the error that was done on debt-free degree.

It is officially a number one bestseller. Number one on Wall Street Journal street journal very very cool it we had enough books sold to be number one they just put it in the wrong category and we had and then but usually once it's in there you're done i mean it's like the super bowl's over even if there's a bad call you're screwed right but they thank you wall street journal wow thank you so much for being a little bit flexible and allowing the truth to be there, because the truth, the mathematical truth is the book is the number one bestseller. And Anthony's been working his butt off on this stuff, and so has our team. And so, touchdown, baby, another number one bestseller.

Anthony O'Neill is officially a number one bestselling author. Wow, way to go, sir. Well done. I hate I miss it by 10 or 20 minutes or something that he was on the air with us a little while ago. But that came in literally in the last three minutes that we got that straightened out. Our guys did a great job on it. Absolutely amazing. Absolutely amazing.

Wow. What a week. What a week what a week rachel has charles winston cruise on thursday night anthony has a number one bestseller on friday not bad or wednesday night that was wednesday night my week's running together i think that i can't remember it was wednesday yeah okay i went running out of here in the third hour you guys had to throw tape on because I'm heading to the hospital. But, hey, what a great week. Congratulations to the whole publishing team at Ramsey, the media team at Ramsey, the creative team at Ramsey, the marketing team at Ramsey that all pulled together to cause that to happen.

Anthony O'Neill is a number one best-selling author can't think of anybody i'm more proud of very well done sir very well done oh i feel so much better i was so unsatisfying when it didn't hit the list in the right place ah oh wow i go i go from really frustrated to uh celebratory in about 30 seconds there. So very well done. All right, Matthew is with us in California. Hey, Matthew, welcome to the Dave Ramsey Show. Howdy, Dave.

Good to talk to you. You too. What's up? So I've got about $4,200 left of all my debt. It's tied up in my car. Um, but I got a surprise, uh, dental prognosis basically, that's gonna push it back a little bit. Uh, it wasn't budgeted. It wasn't in the books and it's a little more than our emergency fund would cover. Uh, and it's only going to get more expensive the longer I wait. Um um so i'm not sure whether or not to just

what is the procedure and why was it a surprise great question um it's it's potentially root canal but it's it's just a number of stuff i haven't basically this is the first time going back to the dentist in a long time is your is your are your teeth hurting are you in pain no i'm not okay so you went in for a routine cleaning and they discovered that you need some major work done basically yes okay all right cool and uh what how much is the major work how much does it cost uh 1200 to 2000 or more depending more, depending on how long I wait. Well, you waited a long time just to get your teeth cleaned.

You're not hurting. And now suddenly this thing's going downhill like a car over a cliff. This sounds like a dentist making a sale. There's a thing in dental practices and medical practice called practice management and it has to do with going to burger king and they say do you want fries with that and so it's the profit maximization of their of their deal now not not many of them do that to the extent that is manipulative or they do work that doesn't need to be done. But occasionally when I hear someone being that is not in pain and does not have a medical problem but has something that actually does need to occur, being pushed to do it as if

if you wait a month, the whole world's going to come to an end, then I start to question what's going on. So I'm going to do two things here. I want you, if I'm in your shoes, you do whatever you want to do, okay? And the vast majority of dentists have a lot of integrity and are fine, and you may find that to be the case here. I hope you do. But you're going to go get a second opinion from another dentist.

Okay. And another bid on the work that's going to be done. It's just like hiring a contractor on your house. You're going to get more than one bid. Okay? Got it. And that way you start to learn a little bit about what the cost is and why the cost is there. And the other guy comes in $3,000.

You go, okay, well, I got a pretty good deal over here if I get out for $1,200, right? Or the other guy comes in and goes, yeah, you probably ought to do this sometime in the next year and it's probably 800 if you hear that then that tells you it's time to change dentists got it the only reason i'm a little touchy about this is i've seen it several times in 25 years of doing this and it happened to me the year we went bankrupt i went in for a routine cleaning the guy said if you don't do this three thousand five hundred dollars this is in 1988 if you don't do this three thousand five hundred dollars worth of work by the end of the year most of your teeth will be gone they will fall out that was the that was the prognosis i didn't have thirty five hundred dollars i wasn't borrowing thirty five hundred dollars i had just come out of bankruptcy. I couldn't have borrowed

it if I'd have wanted to anyway. And so I just thought, well, by the end of the year, I'm going to look like a hillbilly. I can't do this. I am now 30 years older. I never had one of those items done and all of my teeth are still there. So I always question these prognoses. All I can think is that guy's tuition for his kid must have been due, you know, because apparently or he's an idiot or he's a crook or whatever. I don't know what he was. And I'm not saying that's the case with your guy, but that actually happened to me. Okay?

And I've had people call him and stuff like this so i don't want you to mess up your mouth i don't want you to create a problem i don't want to go overboard the other way and act like this is not going to happen and frugality to the point that the teeth fall out of your head we don't want that okay but this idea that you have to run borrow money because you're 300 or 400 short and on something that's not hurting. We're going to get a second opinion. We're going to save some money, and we're going to do this with cash. And by the way, let the dentist know you'll be paying cash the day of the procedure,

and you want a discount for that, whoever you work with, your current one or another one, and you'll likely get that. So very, very well done. Excellent, excellent, excellent. All right, open phones at 888-825-5225. And Kenny is with us in Wisconsin. Hi, Kenny, how are you? Hey, Dave, I'm doing okay.

Good. How can I help? Hey, I had called about nine months ago and was going to make a transition to moving to a different state, which I did. My wife and I did, and we doubled our income, which you said would happen, and it did. But my job is, I don't like it at all. I thought it would be a good fit, and certain things about the job are okay, but I think the environment and the industry that I'm working in is just, it's draining on me. And I just, it's kind of, it's caused a lot of other problems at home and because I don't like it and because it's so draining.

And so my wife and I were still in babysit two and we've got about 50,000 in debt, but just didn't know what you recommend in the situation I'm in. Why is it draining? What's killing you? I think it's really just the industry and the coworkers. I mean, I'm kind of in a leadership role, which I do enjoy, but I think it's the industry and what I'm doing. What is the industry that's so scummy? It's transportation.

So I kind of oversee a transportation company, and yeah, the staff that we hire are mostly college kids, so they're kind of hard to lead and to keep around. I'm trying to keep around. I'm trying to do things. You're talking about like a limo service type transportation? Valet. Do what? Valet. Oh, valet stuff.

Valet parking, and we do transportation stuff too. Okay. Well, I mean, obviously you adjust what you can adjust there, and if you can't make it where it's palatable, you don't want to spend the next 20 years of your life doing something you hate, so you don't leap out adjust there. And if you can't make it where it's palatable, you don't want to spend the next 20 years of your life doing something you hate. So you don't leap out of there. You find something to step to. Don't step out of the boat and there's no boat pulling up.

So have another boat pulled up, and then you can make another step if you need to. That's all I can tell you. This is James Childs, producer of The Dave Ramsey Show. Did you know you can now listen to The Dave Ramsey Show on Pandora and Spotify? For all the ways to watch and listen, check out our show page at DaveRamsey.com slash show.