The Ramsey Show - App - How Can I Find Temporary Employment? (Hour 2)

Episode Date: December 24, 2021

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🎵 Live from the headquarters of Ramsey Solutions, broadcasting from the Dollar Car Rental Studios, 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. Dr. John Deloney, Ramsey personality, is my co-host today, best-selling author,

and host of the Dr. John Deloney Show. He talks on the show about life, about anxiety, about boundaries, about relationships. And we will take your questions, all in the mental health side of things, as well as the money side of things this hour. We're here to help you with your life and your money. The phone number is 888-825-5225. Jake is with us in Dallas, Texas. Hi, Jake.

How are you? Doing well, Dave. How are you? Better than I deserve. What's up? So about a year ago, me and my wife, we had some stupidness. We still had to get out of our system. We had been married for about 20 minutes and, of course, had to buy buy a house and we didn't have a whole lot of money for it.

So we didn't put 20% down. We put closer to 5% down and now we have a job offer. It was about 50, 60 miles away. So we're going to be moving out of that house. And I'm wondering, should we, because I've kind of been interested in real estate and running a rental property business, because this isn't a college town, should I still kind of keep this house, since it might be upside down if we tried to sell it with all the fees included, or should I just try and throw as much money at it as I can to be able to sell it and profit a little bit? Yeah. Well, it's not profit.

It's just a matter of whether you write a check when you sell it is all. So get with one of our real estate ELPs at ramsey solutions.com find out what your reality is this market is so hot my guess is you're going to get out of it that's my guess and here's the thing if you were living 50 miles away and working a new job you would not call me up and say hey dave i want to buy a house 50 miles away with nothing down leverage it all the way up to what oh as much on it as it's worth, which means the rent is barely, if at all, going to cover the payment. And so I really want to take on this liability 50 miles away.

Nothing down, by the way. You wouldn't do that. That's effectively what you got here. House has got no equity in it. And by the time you rent it, you're barely going to cover the payment. And by the time it's vacant a time or two, and then the heat and air burps on you, you're going to have a loss for the year. This thing is a problem. It is not a blessing.

And I just heard the other day that they, maybe today, that they reinstated the mask mandate in California and someplace. Like, you're one COVID away. You're one tick, uptick in numbers, et cetera, for colleges going back online and suddenly this thing that feels like it's a surefire bet in this college town not being so surefire anymore. The guys I know with college real estate, and it's admittedly not a lot, they're getting out just because it's so unsure, uncertain. Yeah.

You don't know if the kids are ever going to go back in that classroom again, or if they are, it's going to be an unstable and volatile situation at best. So in and out, in and out, depending on who's panicking where and where we're going to overreact again. But anyway, that's just a sidebar. Do you have a – I wrote a check one time to get out of a house. I think I took $4 to get out of the house. I think I took $4,500 or something to closing.

And that next 18 months, we ended up paying off six figures of student loan debt. But it was a painful check. It was hard to write. But it was what was right for an upcoming season that ended up freeing us forever. Is it ever – I felt good about writing that check even though I didn't feel good about it. Does that make sense? Yeah, well, no, it was the right thing to do. Right. So, I mean, if you lost $450 a month for 10 months, you'd have broke even,

but it's not going to be that bad, probably. Right. But you're probably going to lose that much on a house in a year, if you're fully leveraged on it. And we know you're fully leveraged because you didn't make any money above the mortgage. So meaning that your payment is so stinking high because you've got the most borrowed possible on it that the rent is going to be right there at it. And you put in the realtor fee and then you're stuck.

And your break-even is just not there. So what you don't want to do is I'm losing $600 a year, and so I'm going to panic and write a $100,000 check. Oh, yeah. You know, we don't want to go that far on the way. But most of the time, and here's the thing. I've always wanted to own rental real estate. You don't want to own rental real estate that you owe as much on it as it's worth because it does not make money.

And this is not fun. This is going through all the hassles of real estate and making no money that's that that's rental real estate that's fully leveraged there's no fun in here anyway oh well 30 years from now the renter will have paid it on bull crap you know that's just it's not how this works uh ravika is with us in new york city hi ravika how are you? Hi, Dave. My name is Rivka. I'm sorry, Rivka. I butchered your name. I apologize. No problem.

It's not an easy name, but thank you so much for taking my call. Sure. So, my question is my husband and I live in Brooklyn. Okay, you cut out when you said my husband and I live in Brooklyn, and that's all we heard. Try again.

Okay, can you hear me now? Yes, ma'am. Okay. So I'm a public school teacher. My husband is a chef. We both make a decent living. We are currently on Baby Step 3B. We're saving for a down payment on a house.

And the more I think about the possibility of buying a house in New York, the more I think about how it's a catch-22 where we'll have to factor in the cost of property taxes, the cost of housing is astronomical. And it just seems like we're going to sacrifice our decent living for a quality of life. Less time will be spent with family. And, you know, now in New York City, they're mandating that teachers and all city workers get the COVID vaccine. So it just it just seems like they give you a little bit of freedom and then they take it away. And so I'm just wondering, at what point would you say it's OK to get up, leave New York and move somewhere else?

You've already moved. Yeah, you already left. You're gone. There's nothing that you described here that's staying. The only thing that's left is your broken heart because you actually love the people in the area. You've got family in the area. You have history in the area. And your heart is hurting, but you already left.

You're gone. Every day you stay from this point forward is a decision to be a little less joyful. Right. Absolutely. Yeah, you've already analyzed it. Because any time we're going to leave or leave a job, leave a relationship, leave anything, Henry Cloud talks about this in the book Necessary Endings, which you might want to pick up, by the way.

It'd be nice. This is a necessary. It's one of my top five of all time. Yeah. Henry's a good friend of John's and mine both and just a great guy. But in Necessary Endings, he says you end a relationship with a place, a job, an item, a person, a whatever, when you lose hope that it's going to get better.

Right. And so any time after you've lost hope that it's going to get better, it's now lacking in intelligence and wisdom to continue to, I mean, he's not going to beat me anymore. He's not going to beat me anymore. No, I know he's going to beat me. Then it's time to to beat me anymore. No, I know he's going to beat me. Then it's time to end this relationship. You've lost hope that it's going to get better.

Even in a toxic situation, you've lost hope that it's going to get better. And the reason John and I jumped on this so fast is you very much described that you have lost hope this is going to get better. They've taken your freedoms. The prices are too high. There's nothing there. The good things there have been outweighed by the bad things long before you made this phone call in your mind. So you've already made the call.

Now you need to act on it. Y'all have a funeral. Then go living somewhere fun. you've got a lot on your plate a job your home your marriage and your growing family while you're enjoying the present you can't help but think about your future and your finances. As you explore your options, consider Christian Healthcare Ministries, or CHM, for your health care. Their generous maternity program and budget-friendly monthly programs have been a blessing to members welcoming children into their families. Visit chministries.org slash budget to see if it's right for you.

Christian Healthcare Ministries is a Ramsey Trusted Provider. I don't know if you guys have heard the rumor, but the cost of college might have gone up like a lot in the last 20 years. Yeah. If you're going to send a kid to college, you have to have a plan. Or you're sending a kid to college to get deep in student loan debt, one of the two. Neither one are a very good plan. So you need a plan, plan, plan, where you're saving money with a plan.

Something like an ESA, an educational savings account, a 529. These are accounts that let you invest after-tax dollars, and they grow tax-free, like a Roth for college kind of thing. Yeah, very nice. Differences between the ESA and the 529 are important. They have to do with the age, the income restrictions, investment options. What's the right thing for you? Well, you need to sit down with a good financial advisor. They help you with your kid's college planning. D planning duh just like you would for your retirement plan and so we recommend guys and gals around america that we have very carefully vetted

who are world class in this space they're called smart vestor pros and if you click smart vestor at ramsey solutions you'll be able to connect with the one in your area. It'll drop down a list of them, and you pick which one you want. That's pretty cool. And you can text INVEST to 33-789. SmartVestor Pros are trustworthy, Ramsey-trusted investing guides. That's INVEST, text INVEST three three seven eight nine jeremiah is in atlanta hi jeremiah welcome to the ramsey show hey dave thanks for taking my call sure what's up

uh got a question right now um so been listening to you i guess for about a year now started the baby steps and i'm probably, I think right now, I'm about six grand away from only having my mortgage left to pay. But besides that, I had, next year I'm set to be at

about 55 for my salary. A friend of mine who has done very well for himself and owns his own business has offered me a job that could potentially double my income um if it was a family member i'm pretty sure i would have no issue saying you know i appreciate it no thanks because i don't want you know i really don't want to work with family, so that would, you know, kind of have any sort of animosity if anything went south. But with it being, you know, not a family, it's somebody I've known for about 15 or 20 years.

Is it a smart choice or do I leave it where I'm at? What does potentially make double the income mean uh so well in passing we were talking and he you know he he said hey you know you know quit quit what you're doing now just come work for me he's i got a six-figure job for you and that's how that's how serious the conversation has been for that that's about it so i mean i know so let's get something straight down and yeah let's get something straight this this does not work if he's giving you a job paying you six figures and you don't know how to do a six-figure job that's called your friend giving you money for free and that's not going to work right okay so what i've got to understand if i'm you step one is to figure out okay I'm going to be doing something that is worth six figures to his company

and that he would pay someone else six figures to do the same job, and I'm able to do that job. Okay? So if he's asking you to do something you can't do, then you're going to disappoint. This is going to blow up. If he wouldn't pay someone else six figures to do the job, then this is going to blow up because it's charity. It's not a job. Or if you hate it, if he's bringing you on to be a salesman and you hate sales,

eventually you're going to have to disappoint him. Right? Yeah. Right. So I'm not good at it. I hate it. Or he's not going to pay someone else that. So I've got to understand what those details are.

Right now it sounds like a very, very off- comment not a job offer is that fair yes sir okay so let's let's go back you know to him and say okay were you serious what would i be doing and why would i be worth that okay now let's take it a step further then and give you some guidelines of how this works. When mentally healthy people, emotionally healthy people, spiritually healthy people work together. They can be family. They can be friends. Some of my best friends on the planet work on my team here. And they were friends before some of them.

Some of them became friends while they were working here. I've just got unbelievable respect for them. I love them. They're just good people. They're great at their jobs. Everything's good. Okay? Now, how can you do that?

How can you work with family, which you said you wouldn't do, or something near to family, which is a 15-year-old friend? The way you do that is this thing called just mutual respect and clear roles. When you work for him, he's the CEO and you're the whatever it is your title is. You're not friends in the sense of he doesn't owe you something because of your friendship. He owes you fairness and dignity, clarity, guidance, support. That's what a leader owes anyone that works on their team if they're a quality leader. And you owe him that you're game on. You're not mailing it in. You're not backstabbing him.

You're not half-buttoning it as an employee because, you know, anywhere else you work, you get fired for doing that. And if your friend fires you for doing that, then he did that because he was your friend, not because he's a mean old boss, because you're a half-butt employee. So if you go and you do your part at work, and he does his part at work, and when you're at work, he wears the hat of boss and you wear the hat of team member. Then when you take those hats off and later on you're hanging out and you've got two hats on that say friends, then you can treat each other differently there.

But you don't get a pass at Ramsey because your last name is Ramsey. As a matter of fact, you've kind of got to bring it more. And you don't get a pass at Ramsey because I've known you 40 years because I've got friends that 40 years I've known them, and they're on this team and have been on this team 15 or 20

years of the 40 years I've known them. But they still don't get a pass. And by the way, I don't get a pass either. I don't get to be a jerk to them just because we've been friends for years, so they have to take extra crap off of me as the boss does that make sense yes sir so treat people the right way as the leader as the employee and then you don't have to worry about whether you're friends or not and you can still be friends right a good friend would sit down and tell you if you were half-biting it right so how real is this fly-by job offer oh it's i mean it's it's pretty pretty real i'm

pretty sure i could head over there to the house and talk to him about it today yeah i would do that i think you need some relational clarity and you need some clarity for your soul. Because you're on a financial trajectory. You're working hard, and the lure of another 50 grand feels really good. Get some clarity on that, man. Oh, it feels great. Yeah.

Get some clarity on that. Well, it could be that you're underpaid where you are, and you built your value up in the market, and that you could land this type of a position somewhere else as well. That's possible. And it could be that he's going to say, yeah, all you've got to do is move 48 cars a month, your value up in the market and that you could land this type of a position somewhere else as well. That's possible. And it could be that he's going to say, yeah, all you got to do is move 48 cars a month and you can make $100,000 and you could say, yeah, I'm out. Yeah. I don't think I can do that or I want to do that.

Yeah. So number one, find out and firm up that you're going to bring value that's equal that. Number two, you're going to like the type of position. And then the last part is that whole last diatribe I just did was you can work with friends. You can be friends. One guy said you could never be friends with people that you lead. Of course you should be friends with people you lead. That's stupid.

If you're a good leader, you should love people enough when you're leading them to be friends with them. But that does not mean that I can't hold you accountable. It doesn't even mean I can't fire you. It means I will fire you. I fired some of my best friends for different reasons. I had some of my best friends quit, you know, and we remain friends in most cases, depending on what is going on there. But it's not that, you not that friends can't work together. That's not true.

Mentally healthy and balanced friends can. I think that is more of an indictment of what friendship has come to mean, which means I'm just going to make you feel good and say, You go, Dave. You go be you, man. I'm never going to tell you something hard. I'm never going to hold you accountable. I'm never going to walk on second thought. Demand excellence out of you. Yeah, friendship does all those things, even

if you're not on my team. Real friendship does, that's right. I'll guarantee you, man, I got men in my life that hold me to that, and I hold them to that. Heck yeah. They're not on my payroll. Yeah, but that's real friendship. That's exactly right. Tough love. No, honey, it's love. It's just love, man. This is

The Ramsey personality, is my co-host today. You can hear him every couple of days on a brand new podcast. Comes out three times a week called The Dr. John Deloney Show. You should tune into it. Most of America is these days. In the lobby of Ramsey Solutions on the debt-free stage, Craig and Rachel are with us. Hey, guys. Hey, how's it going?

Great. How are you? Where do you live? We are from Central Michigan. All right. Very cool. Welcome to Nashville. And how much debt have you guys paid off?

We paid off $55,000. Cool. How long did that take? Just shy of two years, 23 months. Good for you. And your range of income during that time? $50,000, and then we ended just over $70,000. Cool.

What do you all do for a living? I work in customer service in the waste and recycling industry. And I'm a sales manager at our local radio station. Oh, good for you. Very cool. Good old radio. Love it. Gotta love it.

It's a great world. Yeah, it's been a wild world this year. It has. Craziness. I was was gonna draw a parallel between uh waste management and the radio world but i won't do that since we're on the radio we already know so we get it very cool what kind of debt was the 55 000 mainly my student loans um a couple cars couple credit cards. Normal debt. Some student loans. We were normal. How long have y'all been married? Five years. We actually, so about 35 months prior to making our last payment, we started.

And two or three weeks into the journey, we found out that we were pregnant with our first child. Yay! Everything got put on pause there for a little while. And so that's why our journey's really only about 23 months okay very good very cool so what got made you guys decide to get serious about this get out of debt thing we had always kind of been on a budget but not a dave budget by any means um and we knew we wanted to start a family. And so we were like, all right, we got to get serious. We got to start this process.

And then three weeks into it, we really had to get serious. So just she's our why moving forward. Yeah, and to be honest, you know, for me, what it was was hearing you talk about changing your family tree and your legacy. And with us starting, it was like, okay, she's going to drag me along. I'm definitely the spender. Anybody that knows us knows that.

I'm the spender. I'm the free spirit. And so we started. I was excited. And then three weeks in, we obviously got the news. And so that message of changing your family tree really hit me in a different way. And it was like, all right, it's time to get really serious about this. There is something magical happens when the first baby comes there is game oh there is for sure yeah that's it yeah i hear you well congratulations you guys yeah thank you so

who had the conversation with who well well i started um friends of ours chris and kendra actually sat down and helped me write our first budget. And I was like, we're starting. It's going to happen. We're just going to start. And then he started listening to your show every day, every hour, like got crazy. You hooked me. Then we were both on board and there was no stopping at that point.

Are we on one of your stations? Unfortunately, not as of right now. I'm on the competitor. There's actually not really any local stations that are carrying you. They're a little ways away. But we definitely tuned in. We tuned in on YouTube and on the podcast. Any way we could, we did.

Before long, we were driving some Dave cars. Probably my biggest struggle throughout this whole thing was wanting to get a new lawnmower. We purchased a new house before we were on the plan. And it's got some acreage, and I wanted to get a new zero-turn mower. Sure. You know the whole thing. And instead, I'm driving a 1986 lawnmower around, and that's our form of entertainment sometimes. I have a picture of it on YouTube.

I love it. It doesn't even have the hood on it. Yeah, it doesn't have the hood. I like it. We put the girls in the wagon, and we go for a drive. That's how we have fun in Michigan, apparently. That's a manly lawnmower right there. There's our Dave tractor, for sure.

Yes. I love it. Wow, wow, wow, wow. Very well done. Y'all weren't making a million dollars. Y'all didn't mess around. This was a hard year and a half for you guys. It was.

We were very blessed to keep our jobs through everything that happened. And student loans went on and zero interest and everything was put on hold. And we said, this is our chance. This is our blessing. This is our time to just start throwing everything we've got at it. So the last nine or 10 months, we actually paid off 20,000 of it. Whoa. Game on.

I've got to tell you guys that this May, we celebrated our fifth anniversary and we had an elaborate trip planned for the weekend. And instead of going on that trip, we decided let's take the money that we would have spent because it's pretty close to what our last payment is. Let's just pay off our debt. And so we actually, on our fifth wedding anniversary, we made our final payment.

Submit. Yeah. Ding, ding. Stayed home and submitted our last payment. And celebrated. And it was great. Yeah. So that means you've had several months

of both checks depositing and no bills. Feels good, huh? It's been wonderful. That's cool. What do you tell people the key to getting out of debt is? For me, I was the one to actually write the budgets each month, and there were so many times in the middle where it's not like the beginning fun, exciting point, and you're not in the homestretch yet,

and there's so many times where you're like, I don't want to do another month. I don't want to do another month. Something hits, life hits, and you're like, it's not working, but just keep writing the budgets, keep doing it, stay consistent, and just keep moving. It's the grind. It is.

For me, I would say just listen to your wife and do as she says. No, I think just finding that why, and it's going to change multiple times regardless of how long your journey is. Everybody's on a different journey, and whether you make a million dollars or you make $10, it's all relative, and you just have to focus on your journey and put your head down and stick with it. Well done, guys. I'm proud of you. down and stick with it. Yeah. Well done, guys. I'm proud of you.

Good stuff, man. Thank you. Well done. Good, good, good, good, good. Wow. Who were your biggest cheerleaders outside the two of you? So my mom and stepdad are actually here with us. They were a huge support through the whole thing.

They've been listening to you forever. My brother and sister-in-law, they were kind of our go-to for calling and what should we do here? Go ahead with friends. My parents also were big cheerleaders and then really my whole family but our friends Chris and Kendra that

walked us through it and Kendra actually led our FPU class and then our friends Tori and Shauna. Oh, you went through Financial Pitch University? We did. At nine months pregnant, we went through financial. Oh, wow. Okay. Yep, and then our friends. That's commitment right there.

It is. And a very generous we. We were nine months pregnant. Yes. Yes, we were. I was just along for the ride. There you go. And our friends Tori and Shauna gave us your book to get us started, and so they were there

alongside of us the whole way. Very cool. Well, way to go, heroes. Thank you. How's it feel to be free? Amazing. So good. Good for you.

So good. Well, we've got a copy of the Legacy Journey for you. That's definitely the next chapter in your story, without a doubt. Can bring little Bailey up here. We're going to bring Bailey into the shot here. We've got to have the proper why in the picture. This is a beautiful why. Look at her.

Wow. I love it. She's cute as a button. We have Bailey, and we have number two on the way. All right. So, for another reason. Yay. I love it.

Congratulations. Thank you. We've also got an extra copy of Total Money Makeover for you to give away to somebody. Pay it forward and keep this stuff rolling. Keep getting people, keep getting America out of debt so they can be wealthy. So proud of you guys. Well, well done. All right, Craig, Rachel, and Bailey.

Lansing, Michigan, $55,000 paid off in 23 months. Hand out a baby. Look at that girl. My goodness. Making $50,000 to $70,000. Count it down. Let's hear a debt-free scream. Three, two, one.

We're debt-free! Yeah! Yeah! Whoop, whoop, whoop, whoop, whoop, whoop, whoop, whoop, whoop, whoop. I love it! Congratulations, you guys. Very, very well done. That's impressive.

Ah, that's, hey, I don't want to blow by the math on this. They rice and beans this one. Yeah, I mean, that was a rough ride. That's a tight turnaround, man. And they did some of it. They're piling up cash while she's pregnant, which you're supposed to do while pushing pause. And then throw it on the debt, push play when the baby comes home, mama's okay. Rock on through this, grind through it. Push it through.

Both of our debt-free screams on this particular day have been modest incomes and amazing amounts of debt, which means amazing amounts of sacrifice. But they did have a 1986 lawnmower to help ease the pain, right? I'm just saying, that lawnmower, that's a manly lawnmower. That's incredible. This is The Ramsey Show. Thank you. Dr. John Deloney Ramsey, personality, is my co-host today. Lane is with us in Wilmington, Delaware. Hi, Lane. How are you?

I'm good. How are you guys doing? Great. What's up? So in March, I passed my occupational therapy board, so I have my master's in occupational therapy. However, last year, I started a landscaping business. It's been full time. So rather than getting a therapy job, I went ahead and did the landscaping full time. It's been a great source of income. I have $12,000 left in debt, and I'm honestly just kind of burnt out. So I was trying to transition into my therapy job now so I have

less landscaping jobs and I'm kind of in a weird limbo where I had I accepted an outpatient pediatric job which I'm very passionate about but it's only one day a week and so that's not enough and I'm having a hard time finding places that'll take me for the other four days why did you leave the job you had before you had another job? So I didn't. I am a small business owner, so I couldn't grow anymore without hiring someone, and I didn't want to have to do that because then you make less. I didn't have a problem with that.

I'm just saying, why did you shut it down before you had the new job lined up? Oh, so I did not shut it down. Okay. I'm still doing it, but I have less jobs now than I did. Did you intentionally take fewer jobs? Yes, I did, because I honestly was burnt out, and my attention to detail was going down, and I didn't want to provide people services to that mindset, and I was ready to get started with my professional career for what I went to school with. That part I'm in complete alignment on.

It's just the timing thing. Right. What did you say? It's the timing thing. You stepped off of one income to no income. I would have loved for you to have had your, I mean, I'd love for you to have just gotten your occupational therapy job and just quit landscaping. Right.

So getting credentialed through insurance takes like a month. So actually a month ago I sent in some applications and then I found out now after I already dwindled down the job that getting credentialed through insurance takes some time. Yeah. And I do have $12,000 left of debt, which I feel like is eating me alive. And I kind of feel like a bum having eaten, like, two days off a week. So this is kind of just like a, I don't know, I can't go anywhere. I could go to a really great restaurant and apply and work there and make money. But, you know, who knows, in a month I might have to say I have to leave. I don't think

that's morally right to do. Listen, you're cooked. Yeah. I've sat with, I can't even tell you how many students who have finished their boards, or finished the bar exam, or finished whatever, and they're just cooked. Where you find yourself

is, you are fried, but you did jump off. You chose to stop paying attention to detail because you got tired, right? It's not something that happened to you. It's something that you chose to do. You are just zonked, okay? And what happens when you get zonked is sometimes you start catastrophizing and start creating situations that then you try to solve that haven't even happened yet. So what I'd love to see you do

is go find somebody in your community you can talk to. Just go talk to a counselor once or twice. Just go find somebody or go out with your friends. Have people over to your house. I want you to be human again. You've been a robot attacking tasks for a long time.

You've been in fight or flight for years. You're going to have to take some more long time. Yeah. You've been in fight or flight for years. Okay. You're going to have to take some more lawn jobs and just more

landscaping jobs until you land a full-time job and then here's what you do. You call your landscape clients and say,

I'm getting out of this and so here's your two week notice. And then you move on. Right? And they will

find somebody else. But you have overthought this and overspun this because your body's cooked and you just need to start laughing again. Invite some friends over to your house again. You got to make some money so you're going to have to pick up some more jobs again. If you just can't start that lawnmower one more time, then go get a job at a restaurant.

I just don't know why you wouldn't just do it for another five or six months. Getting your boards. You thought you were going to ride into a new job. As soon as you pass that test, we're going to start on Monday. And then you realize, are you freaking kidding me? There's more hurdles? Yes, there's more hurdles. And so now you're right back in it.

Take some more jobs. Make some more money. But start being a person. Make the transition by Christmas. Yeah. But don't make it by Tuesday. Don't make it by Tuesday. Don't make it by Tuesday. You're so close, honey.

You're so close, and you're so strong, and you've made it. You're going to be good, but you're not quite there yet. Okay. So maybe make Christmas my deadline, you're saying? I don't care. I just made that up. I just made that up. I'm tired of the land savings.

Yeah, you're tired, but you're so close. This is a terrible example, and I wish I had another one off the top of my head, but this is live radio. You know when you're in a long car ride and you've got to pull over because you've got to go, and then it feels right when you get to the gas station, all of a sudden it becomes a super emergency, right? That's where you're at. That's where you feel. You've just got to hang in there, okay? Don't go in the car.

Wait until you get inside, okay? Maybe the worst live radio analogy ever analogy i think it probably qualifies as one of the worst ever hey i know you're fried i want you to have some people over this week you'll watch a movie you get some pizza and a glass of wine y'all laugh but start re-engaging humanity again lane you're strong enough to hang on to do the transition wisely instead of this gap that you left between the incomes which is now scaring you more than the burnout scared you does that make sense i have no reason to stress financially i just got married in june and you know i'm where everything's great so your stress is not about math it's not about math

your stress is that your body has been in fight or flight it's been on cortisol and adrenaline for years and it finally just said enough you've been cranking through these tasks and it's just you you've you've been a in a machine in a good way but but very robotic. But it got you through there, and you can go from here. So you got the stuff it takes. You're just going to have to make this transition a little more gentle because it's driving you nuts. Jeannie is more gradual, I don't know, incremental. Jeannie's in Tampa, Florida. Hi, Jeannie, how are you?

Hello, Dave, John. I'm well, thank you very much. Thank you so much for all you do. Thank you. How can we help? I am 59 years old, getting ready to reinvent my life after 30 some odd years out of the traditional junk market. And I'm trying to decide if it makes more sense to sell my home and relocate to a less expensive area for a fresh store. Why are you reinventing your life at 59?

I love your spirit in that language. What's going on? Sadly, I'm facing a divorce after 33 years of marriage. Oh, that's heartbreaking. A reinvention. Yeah. When was it final? It isn't yet.

So I'm kind of in the process of that right now. It turned out after coming to Financial Peace in 2009, I didn't have a financial problem. We had, unfortunately, a relationship problem. So I had my ELP over last night, and I got a price for the house. What I could sell my home for my home is paid for. However, after it was all paid for, it ended up getting an equity line on it. So I do actually have two debts that would need to come out of the home if I chose to sell it. What are you using for income after the divorce?

That's a bit of an issue. I actually belong to a business boutique, and by trade, I'm a writer. And so, as you well know, with the publishing market, the way that it is, it's been kind of changing. So I've been self-employed for 30 years now, and so I'm going to have to kind of figure, sort of figure that out. So I'm trying to get a job. It hasn't been working, but, you know, I do have, I can make money, so. How much money do you have? Or will you have when the smoke clears?

The house. I'm sitting in it. That's it. What's the house worth? That's it. $225,000 according to the EOP lady, who looks very nice. Okay. If we could get your income going so I knew you had something to live on, I would tell you to slow down and not sell

it fast. Unless the household's memories and emotions that you'd rather get away from. That's part of the problem, Dave, quite frankly. My support system is here, but that said, it is like all I want to do is run.

This has been going on for quite a while now, unfortunately. You want to clean. You want the whiteboard wiped off. I don't mind you selling. You know, what I do is just sell a house and rent for six months. But what I would also do is not touch the money. Don't touch it. Go get a job.

Go get a job and make enough money to survive without touching the money. Don't use this money to be your fresh start. Go get a job at Costco. Go get a job and make enough money to survive without touching the money. Don't use this money to be your fresh start. Go get a job anywhere. Go get you a nice apartment somewhere. Get you a fresh emotional well-being around you. But don't spend the money. This is James Child, producer of The Ramsey Show. Did you know The Ramsey Show is one of the most popular podcasts in the world? Subscribe or follow today wherever you listen to podcasts.