The Ramsey Show - App - How to Weigh the Pros and Cons of a Job Change (Hour 3)

Episode Date: November 19, 2020

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Live from the headquarters of Ramsey Solutions, broadcasting from the Dollar Car Rental Studio, this is the Dave Ramsey Show, where America hangs out to have a conversation about your life, your money, and today, especially, your careers. My name is Anthony O'Neill, host of the popular YouTube show, The Table, with Anthony O'Neill, and co-hosting with me today is the number one career expert in America and even number one internationally when it comes to podcasts. The one and only Ken Coleman, host of The Ken Coleman Show, Monday through Friday on Sirius XM. And if you would love to have a conversation about your life, your money, and your careers, please give us a call at 888-825-5225, 888-825-5225. We're going to go out to Kalamazoo and have a conversation

with Micah. Micah, good afternoon. How can we help? Hi, thank you for taking my call. No, no problem at all. Thanks for calling in. How can we help? Well, I'm currently in my first semester at university right now, and I just feel like I'm not getting anything out of it. So I'm wondering if you guys think it would be worth it to get a bachelor's degree versus getting an associate at a community college. Okay, where do you want to go? What's the destination, the dream, or at least the ideas that you have? Well, right now I'm working for a really great company that I really love, and the kind of track is to become on their sales team eventually. And you're part-time right now?

Yep, currently part-time, working remotely, whatever I can do on the computer for them. If you were to call them up or email them and say, Hey, I'm thinking about dropping out of school, at least full-time college, to work with you guys full-time. Do you have a spot for me? You've got more hours. What do you think they'd say? I think they'd say yes. They work a lot with a community college near them for technical training. It's equipment sales and service. So I know they work with community

colleges, and I think they would take me on full-time if I did school part-time. And so you would go get the associate's degree while working with them and then take me 10, 15 years down the line, ultimately what you'd love to do. Well, I'd love to get more into a sales manager role eventually. Obviously, I've got to work my way up, but that would be kind of that top there. Well, AO knows what I'm going to say. Nothing in that description of your future says you have to have a college degree. In fact, there's no college in America that I'm aware of that's going to train you to be a really great sales manager because it's all book knowledge. And in order to be a

good sales leader, you must first be a good salesman. And in order to be a great leader, you must be a great follower. And the best way to learn how to lead is to follow. And I think if this company would take you full time and allow you to start making some really great money and you moved into the community college level, I know Ayo's a big proponent of that. I'll let him take over your money story. But, yeah, I don't think it's worth the money. No, I don't.

Not in this situation. I don't think there's any college degree in the world that makes you a better salesperson. Period. I can agree. I'm like 90% there. Here's where the 10% is. I do believe education is important. So I don't want to say education is not important. Is it the best thing for you right now?

It's sounding like it's not. Let me ask you this question, Micah. Have you asked your current employer do they offer any tuition reimbursement or college assistance um i'm actually actively doing that right now they're covering my entire tuition oh okay so let me ask you this question um so you're not paying a dime for it uh just housing okay so just housing and you're not paying a dime for it? Just housing. Okay, so just housing. And you're cash-flowing that? Yep, cash-flowing that. My dad was really good at saving college savings for me.

So let me jump in here. The question, is the degree worth it? It's not about the money because the money's not the issue. The question is, is it worth your time? That's what you're asking. Yeah. That's why I'm looking at an associate that would be more accelerated versus the four years of bachelors.

I mean, I think you have to answer that question because I can't answer. I don't know if Ken can answer. Oh, no. Oh, no. I answered it. I told him what I think. Well, when it comes to the money part, yes. Now, the time part.

It's not worth the time either. I mean, this is where me and Ken would probably be like 50-50. And that's okay. And that's okay. That's okay. Because if you're getting it for free, you're not racking up any debt. If this can actually accelerate your experience within a company, not yourselves, because I agree with Ken on that part. They can't teach you how to be a better salesperson.

But if it can accelerate you from getting to a higher position and you got it for free, I'm for it. But if it's not going to give you any ROI on it at all, no, it is not worth your time. But if there is a small ROI up to a medium ROI on it, and it didn't cost you a dime to get it,

then I would consider that process because you don't know where you're going to get it, where you will be in the next 10 years. And that's that's what I'm saying. Think about your future. And Ken is very big on that. Think about where you want to go. If you know you want to stay in that position with that company for the rest of your life at your age right now, then, you know, I'm going to lean with Ken. But if you can get a degree with no debt at all, I'm a fan of education. I am. Now, hold on. All right.

First of all, I think education is awesome. Yeah. But I'm a guy who looks at it pure, pure. Education could be a certification. Education could be a sales program that that company puts him through. Education in my world means knowledge, not a certification. Education could be a sales program that that company puts him through. Education in my world means knowledge, not a degree. So I am, let me just tell everybody who's wondering,

and I know you did not misrepresent me, because by the way, your answer, you should run for Congress. That was very political. It was a wonderful answer. It was a great answer. You covered all, you gave him all. Listen, I'm going to tell you what I think. And what I think is, is that education is about knowledge. And I don't care where you get it. And I've met some of the great tradesmen who never darkened the door of a college,

but they got tons of education. And let's talk about early America. Kelly and I are big history nuts. Kelly, come on. You know where I'm going. Early America was all about apprenticeship. You were 14 and you barely did six sixth seventh grade somewhere in that range if you can kind of compare it to where we are now and then you went and worked with your daddy or you went and worked with some guy and you lived above the shop and you got all kinds of education it wasn't book education that's all i'm saying so don't anybody send me any hate mail i'm not anti-education. By the way, I won't read your mail anyway, so save yourself the time. But I'm going to keep it real, folks, because education is about knowledge.

Where you get the knowledge, I'm always going to tell you, go to the right place, the best place. I'm very consistent on this. No, and Ken Coleman, you really are. I hope I didn't confuse America. No, you did not. You're one of my closest friends. You gave a very good answer. I defer with you. You're not wrong, you did not. You're one of my closest friends. You gave a very good answer. I defer with you.

You're not wrong, by the way. Okay, good. I can't say that you said anything wrong. I'm simply saying I just think if it's a waste of time, it's a waste of time. To me, I'm not impressed with your degree, even if the company pays for it. I want to get there fast. That's what I'm saying. I love doing this show. You know what I'm saying. I love doing this show.

You know what I'm saying? This is a blast, man. This young man is getting his college education paid for. I agree. And if the ROI is small or medium, I thought you made a wonderful point. I think you're right. I'm just going, get me to the job. I'm done practicing.

I'm ready to play. Oh, man. This is why we love doing the show together, Ken and I, because we just have – I mean, we just keep it 100. You're right. You gave tremendous – I thought it was a very good answer. Thank you. I thought so, too. That's why I said it.

888-825-5225. 888-525-5225. This is the Dave Ramsey Show. Give us a call. As we continue to face challenging times, I hear that a lot of you have been calling Zander Insurance to see if term life insurance plans are still available. The good news is the insurance companies are starting to loosen up the restrictions that they had put in place at the start of the pandemic, making coverage available to even more people.

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have a question let's say you're just sitting in your office or sitting at home working from home you just want to hear a good show, man, I would encourage you to log on to the YouTube show and watch us. And there we have about 2,000 people watching this right now live on the show, Ken. And they've got like an ongoing chat conversation I can see there. I'm telling you, man. They're active listeners. Oh, active listeners. Yeah, people like Aubrey, Joshua,ua sydney i mean i tend to go in there in the breaks just to see what everyone's saying and say hello to everyone and so i love our youtube world i love our youtube family so if you're just sitting at home one day you just want to have a conversation with other people who are like-minded um we call them the youtube crazies

because some of them are crazy but we enjoy their craziness because, you know, they're trying to pay off all the debt and just rock with the family. So check us out. So give us a call. 888-825-5225. Rachel's with us is in Warsaw. And Rachel, good afternoon. How can we help? Hi, I was wondering, actually, it's more for Ken about becoming a financial advisor. I feel it's my passion, but my husband and I are kind of on different ends of this. And I'm not working right now, so I feel odd about taking money out of my home budget to even start the process. So I don't know how to earn the money for the program. And should I spend that money on the program when my husband and I are not on the same page about it? Okay. So we got a lot going on there. I want to know where your husband is on this,

because I know you want to become... Now, you want to be a financial advisor, like a smart investor pro, where you're helping people with their investments and retirement plans, or do you want to be more of a financial coach? Coach. Coach all the way. Okay, and are you familiar? I helped my sister. Oh, sorry. Go ahead.

No, I was just going to ask. Are you familiar with our financial coach master training here at Ramsey Solutions? Yes, and that's what I'm saying. It's a bit expensive for me to buy it. I get it. But why is your husband not on the same page? Is it because of the money it's going to cost to get you through that training, or is it that he thinks this is not a good idea?

Well, tell me specifically where you guys are not on the same page. He doesn't see where I'm going to make the money from it. Okay. He knows I enjoy budgeting. I help my sister. i've actually helped three people get out of debt just on my own because i just i love them they needed help and i helped them is he aware of this you know and my sister was fifty six thousand dollars in debt wow he's debt free is your husband aware of your contribution to these three people becoming debt free

oh yes yes does he acknowledge that you are a good coach hold on i'll get there does he acknowledge that you are good at coaching people financially yeah okay so his big problem is oh man we got to spend x amount of dollars for you to get this and i don't see you making any money. So he's a cynic on some level about this particular venture. And he also thinks I need to be out in the public. He doesn't want me to work from home, although I feel more comfortable being home nowadays. Yeah, you guys got a communication problem. You do realize this, right?

Oh, we do. And we talk every night well i didn't say it i didn't say a talking problem i said a communication problem and i love your spirit about this here's the deal uh you guys are going to have to get on the same page this is really a marriage communication issue where you two sit down together and go you have your wants and needs i've got my wants and needs. I've got my wants and needs. And we're talking about professional and financial here is what we're talking about. And you want to be a financial coach. I think he wants you to make more money. He feels like you need to be outside of the

house. You guys are in disagreement there. And at some point he's got to go, all right, Rachel, I've heard you and I didn't just hear you. I listened to you and I know what you want. And you've got to look at him and say, I need you to support me. And I think you do need to cast some vision, not because you need his permission. Uh, cause I don't think you're seeking his permission. I just think you want his blessing and his buy-in. And I think that's really good marriage practice. And so, and so what I would tell you is you need to cast a vision. You need to explain to him, you need to get on the phone with our financial coach folks. Again, tell him you called into the Dave Ramsey show, you talked to Ken and I know those guys over there. We're all

teammates and say, Hey, will you help me? I need some facts. Give me an idea how long it would take for me to make a certain amount of money, how I can grow that business, if I take the training and you guys coach me. You need some facts to be able to go back to your hubs and say, here's how much money I actually can make doing something that I love. And if you pressure me, hubs, to go work in some job outside of the house that I don't want to do, you're not making any money now as it is. So show him how you're going to bring in more income and do what you love and make your collective life better and just ask for his support.

But you've got to show him some evidence and show him some passion and enthusiasm to where he figures it out. I better get on board or I'm sleeping on the couch. That's what I think. Oh, man, thanks for calling in rachel i mean thank you listen when you got a married couple like this that are on the same page the only way to get on the same page is to sit down both of you share um what you both want and one of you's not feeling

emotionally safe when you're disagreeing both of you got to feel emotionally safe to be able to sit down and go we both have our individual lives but we're living them together and we're in partnership. But you've got to communicate this stuff. Yeah. Yeah. Got to have a real good communication. I'm looking forward to that part when I get married. Ashley, no, I'm not.

Going out to Indianapolis, we have a conversation with Riley. Riley, good afternoon. How can we help? Hello? Riley? good afternoon. How can we help? Hello? Riley? All right. We'll come back to that. Kelly is telling me to hold on. All right. We're going to go out to Jackson and have a conversation with Dennis. Dennis, good afternoon. How can we help?

Hey, thank you for taking my call. No problem at all, man. How can we help? So I have a lot of different plans for my savings. I've got, basically what I've done is I've taken 100% of all of that in my income. I take it down to 10% for charity of 100%. And then I've got 50% for my different savings. And then I've got some spending stuff where I want to need, so that's 40%.

Okay. Where are you paying your bills? And what is it? Where are you paying your bills? I'm actually 18. Oh, wow. I'm still living on parents' house. Okay, okay. Way to go, Dennis. Yes, I'm liking this now. Okay, keep going. He did sound like he's about

35. Yeah, I was like, whoa, this voice sounds kind of deep. He ain't paying no bills. Yeah, yeah, yeah. Alright, so you're 18 years old. 40% is going towards your wants and needs. Okay. Alright, so how much are you making right now? I'm kind of in like a part-time hand-in-in position.

I work for, we've got congregations there, like churches. Yeah. So I'm working with church members. So how much would you say on average quickly you make a month? Quickly. About, I want to say about $100 to $200 a week. Okay. So you're, okay.

All right. All right. Cool. So annually that's about $20, $200 a week. Okay. So you're, okay. All right. All right. Cool. So annually that's about $2,000. Yeah. All right. Cool. So what's your question real quick?

We're about to go to a break. Want to help you out here? All right. So my question really is, is should I have, should I have a lot of different funds to put money into? Should I have really primary ones? Well, here's the thing, Dennis. You're already doing great.

You know, you're giving 10% back to your local church and to charity. You're saving 50% of your income. I would go ahead and just part that into a savings account. And then also what I would do is, and you're living off of 40%. At your age bracket. The main thing you should be doing is saving towards college, saving towards purchasing a car. If you haven't purchased a car and just honestly just making sure that you can go and do whatever you're going to do, whether that's college, whether that's trade school, whether that's entrepreneurship, whatever that is. I really want you to focus on that and make sure that you can cash flow that process.

But there's nothing wrong here at 18 years old living off of 40% of your income. This means that you're wise, that you're smart, and you're a good steward of the resources. So keep that up. And I'm proud of you, man. Kent, anything there? I think this young man is on his way. And depending on his vision, I would be funding that vision. Absolutely.

Man, this is The Dave Ramsey Show. Welcome back, America. You're joining the Dave Ramsey Show. I am Ramsey personality, Ken Coleman, joined by Ramsey personality, Anthony O'Neill, the showers. We take your questions and we're going to go to the blinds.com question of the day. Find out for yourself why blinds.com is the number one online retailer of custom window coverings. You get free samples, free shipping, and with the new promos they run every month, you'll save even more use the promo code ramsey to get the best deal rules and restrictions apply today's question from christy in alabama i am considering a job change but i want to make sure that i'm making a good financial decision

i'm single and responsible for everything on my own i currently have a job I love, bringing in a good salary, plus company-sponsored benefits, a 401k match, as well as a 10% annual STI. My company also gives healthy annual raises. I'm being recruited for a similar position at a smaller company, where my base salary would increase by 50%, but they do not provide benefits or a 401k match. Am I crazy to consider leaving the stability and benefits of my current position for a large increase in base pay? Are there any things besides insurance and retirement that I should be thinking of? You know, Ken, I thought this was a me question.

This is actually you and I. It's you too. Yeah, I mean, there's a financial play here. Go ahead. I'll weigh in. Crazy. I'm not going to go to that extreme and say you're crazy, but I will be questioning why. You know, yeah, you're going up 50%, but then also that's not really 50%. You're probably going to go up 20% because it's going to cost you a lot of money to get health insurance and then you're missing out on a company match. And so I'm not a big fan of saying stay somewhere because someone else is going just because of the benefits. But I'm not a big fan either to say leave so you can get more money.

Like, you've got to make the smart move and way out. Look at all the options on paper and write down the math verbatim. Okay, this is where I'm going to be at if I stay here income-wise. This is where I'm going to be at when I go out and pay for health insurance, when I'm missing out on 401k matches, and see which one is the best thing on paper. And then whatever is the best financial thing on paper, that's where I would stay from a money perspective. But then, Ken, you're very big on saying, hey, it's not just about money. It's also about your passion and your desires and stuff like that. Yeah, I think you laid it out beautifully. I would say the same thing financially. You got to look at these side by side.

So your cost on your benefits, if you pay for it yourself, you've got to look at that and compare the two with the 50% increase and see where do you stand when it's apples to apples and compare. However, I can tell you that an increase of 50% of your pay is going to allow you to cover the cost of your insurance benefits, and you can invest your own money. You don't have to rely on a 401k match. So without even seeing the numbers, I can just tell you, you're going to be okay and you're still going to come ahead. But I want you to still look at both.

Now, with all that being said, the last piece of this is you've got to look at the ladder that this new opportunity is creating for you. Are you going to be on a better ladder, AO? What I mean by ladder is in this company, this new opportunity, will it allow you to climb the ladder you want to be on and get you to the dream job? Is it going to get you there faster, more efficiently? Or does the current job, while it doesn't pay you 50% more, does it have you on a better ladder? Yeah. So you've got to look at both of these.

So same comparison answer that you gave. Financially, you've got to do the same professionally. Which opportunity puts me further down the path that I want to be on to step into that dream job? That's the holistic way you got to look at this. And then it's going to be very clear, A or B. Beautiful. Riley is with us in Indianapolis. Good afternoon, Riley. How can Ken and I help? Hey, guys. So my husband and I have been cranking out on our debt snowball since the beginning of this year, and we've paid about $65,000 off. Awesome. Way to go.

Thank you. My husband is a dentist, and he is currently in a practice with three other dentists, and he's presented the opportunity to purchase a quarter of this practice. This will more than triple his income, but it also comes at a price tag of approximately $600,000. So I kind of need some clarification. I feel a little overwhelmed because I know how hard we've worked these past 10 months. But I know that it's going to bump up his income so much that, yes, it would cover it, but is it worth it?

Now, I'll let Ken talk into from the career perspective. How much debt do you all have left to pay? So other than our house, we just have his student loan, which is bananas high. It's about $375,000. Okay. All right. So how much is he making a year? I'm curious.

Currently it's about $120,000. Okay. 120 K. All right. So listen here, I'm going to put the math on the table. All right. You're $300,000 in debt.

You don't have $600,000. Technically you need a million right now. Cause what you need to do is pay off the $300,000 and then pay $600,000 technically you need a million right now because what you need to do is pay off the $300,000 and then pay $600,000 to buy that so right now what you're saying is and what you think about this you're asking is it okay for us to be in nearly a million dollars

worth of debt making $120,000 well mind you Anthony he'll go from $120,000 to about $300,000 with a million dollars in debt with life expenses so my respectful answer to him and to you is no that's not a good opportunity right now I'm not saying it's not a good opportunity when you're debt free and you have the cash to go and do that

then it'll be a great opportunity but to have a million dollars in debt that is not even your mortgage ash let's go there because you still have your mortgage so you guys are over a million dollars in debt now that's going to add stress um onto this family that i just do not want you know so i want y'all to really focus on becoming debt free paying off all of his debt and i know he's going to miss out on this opportunity today. But we don't know if the partners say, hey, you know, we'll give you five years.

We'll give you six years down the road. But it's not a good opportunity to me. Say no to the goods. They are giving us time. Yeah, but this is. They are giving us time, yes. Yeah, Riley, listen to me. This is a gigantic no.

Yeah. No, no, no, no, no. Let me play this out because I want you to take this back to your hubs. And the good news is he can watch our answer on YouTube. I want the hubs to watch this. I'm talking to him right now on the camera. Okay. Riley, how much longer before you pay off the student loan? What's the payoff date?

Well, I haven't calculated that exactly. Roughly. But I would estimate that it'll take us about three more years three more years and then how much do you owe on your home um we currently owe 260 okay uh the 375 you said that's what it is is that right did i remember that correctly the debt um oh yes of his student All right. That's the, you have to attack that. Yeah. And here's what he needs to understand.

We'll try. I get it. You're doing great. You're doing great. $65,000 or $6,000 this year is fantastic. You need to be celebrating. Listen to me. He's not missing out on an opportunity right now.

He is avoiding a mirage that is full of quicksand. Remember those silly cartoons where, you know, Bugs Bunny or Daffy Duck, they'd see this beautiful scene out there and they'd go running for it and they'd get there and it looked like a wonderful oasis and then they get there and it's a mirage. That's what this is. He needs to say no to this because here's the deal. Most dentists are in big time debt and trouble. And he can run this path out making good money, 120 grand, pay off the student loan. And then you guys attack your house. And there's going to be a time in the future where he can start his own practice or buy into a situation.

And you guys could do it cash. And he can live and work like no one else. He needs to say no to this. This is not even a good opportunity. This is a mirage. It's not real. No, no, no, no, no. And here's the temptation, A.O., that Riley and her husband and many people feel. They see a great opportunity. I can make more money. Get equity.

No, it's not worth the cost. That opportunity is going to be there. Over and over again, the opportunity is going to be there for him to step in and maybe buy a failing dentist practice because they're in debt over their heads. So that's our take. Man, Ken, I love doing the show with you, man. Thank you. Well, the feeling is mutual. This is fun. We're just helping people avoid nightmares.

This is what we do right here on The Dave Ramsey Show. Our scripture today comes from isaiah chapter 40 verse 30 says but they who wait for the lord shall renew their strength they shall mount up with wings like eagles they shall run and not be weary they shall walk and not faint honor palmer says, always make a total effort, even when the odds are against you. Natalia is with us in West Palm Beach, Florida. Natalia, how can we help? Hey, guys, thank you so much for taking my call. Yeah. My husband and I were trying to figure out whether or not we should move out of my mom's house or whether or not we should continue living with her.

We have a daughter right now and we're expecting another one in February. And we kind of just want our own space. But at the same time, we're ready to tackle on the debt that we have. And we know that we can do that much sooner staying here and living with her. But we're also on the front of wanting our own place, you know, to continue our family. So I just wanted to get your opinion. Natalia, how old are you and your husband? 23 and 24.

Okay. How long have you all been living there? For about three years now. Three years. Okay. How long have y'all been married? Two. Two years. Okay. All right have y'all been married? Two. Two years.

Okay. All right. How much debt are you in? Two cars and one credit card total about $43,000. And how much are you making a year together, household income? So he is a car salesman. So our base pay equal about $40,000. He makes commission on top of that, which ranges from a low of $2,000 to $5,000.

He hasn't been doing this very long. So, so far, it's going up every month. It's looking like about $5,000 this month. So, we know we can get it paid off quick if we stay here, but we know that if we move out, a chunk of that will be taken out to go towards rent. Well, I'm going to be honest with you. And Ken, I want to know your thoughts on this. I am not a fan of a married couple. I don't care how much debt you have.

Being home. Okay. Being home with parents. A married couple, especially with a child, you all should have space. You should have freedom. And I think with your debt right there, $43,000, while it's a lot,

it's not as much as what we're used to hearing. And people who have $100,000, $200,000 are home, having their own established home. Now, I love the fact, let me say this, okay, Natalia. I love the fact of hearing you say, we really want to attack

our debt that is great especially at the age in the 20s but I want you to have that same thought process but in your own apartment so what I'm recommending is yes move out you have another baby coming go get you a nice two two bedroom apartment, something not expensive in West Palm Beach area. Tell mom, tell your parents, thank you. We're going to step out and really start doing grown people things. OK, we're going to start taking responsibility for our lives and we're going to attack the debt. And let me be honest with you, this may because it sounds like you're not working. Am I hearing this correct? I'm working part time right now. Yes. Okay. What do you do part-time? I work at a bank. Okay. I sell the credit cards. You do what?

I work at a bank. I'm like, I'm the one who tries to get people in debt selling credit cards. It's her bank job. Okay. Yeah. That's your bank job. All right. Cool. Sounds good. And it may even sound like Natalie, not Natalia, I'm sorry, that you may have to even pick up something on the side. You know, when he comes home from selling cars, maybe you can pick up something on the side. But I'm saying move out

and you may have to attack your debt, but it may not move as fast. Okay. Are you getting pressure? Are you getting pressure from mom or whoever's mom it is to move out, or are they fine with you staying a little longer? No, actually, on the contrary. She loves us staying here.

We help her out with rent every month as well. Do you have your own space in the house? We have our own room, and my daughter has her own room, which we should be sharing with the baby. What's your timeline? If you stay there, what's your timeline for getting out of debt and then being able to move on? So I calculated with his, because his commission would be completely thrown to debt. The lowest of $2,000 would take us 21 months. The highest $5,000 would take us nine months. Okay. And then what is rent? Give me a reasonable rent amount. What research have you done? What's rent going to cost you in West Palm? $1,600. Okay. And that would dramatically

slow your debt snowball down? Yeah, depending on what his commission is each month, correct? Yeah, I don't disagree with Ayo and what he said at all that I think you guys need to leave and cleave. I mean, you know, that's the famous language at a marriage ceremony, leave and cleave. However, because this is a healthy situation, I would submit that if you guys get really serious and because you got mom, I'd like to see, I know you got a baby on the way, but when baby two arrives to the extent that you can, I'd like to see you work as much as you can because you got the support of mom theoretically here and, and hubs get super fired up. I'd like to see you stay for nine months and get it done and get the debt snowball done. Then I would say leave and cleave. So I agree with AO, but I also think that this nine-month window, if you can do it in nine months versus a much longer period of time,

I think it makes sense to get it done that way and not take on this additional expense with the baby on the way. But again, that's just my take because I think you can get it done faster. But I'm admitted that I'm the guy that wants to knock out the goals faster. And I think if you guys can live comfortably there and there's no tension in the house, I would defer on that. Yeah. I mean, that's why we are King Coleman and Anthony O'Neill.

Yeah. But I mean, only because it sounds like there's no tension in the house with them living there. It doesn't sound like there's this boundary problem. I agree. You know, and I, and I think I will be okay with that if there was a clear, okay,

by this date. Yeah. I like that. We are going to be out if we have hit it or not, because I think for me, it's not really just about the money that they're saving. Yeah. It's about a young man and a young lady becoming a man and a woman.

They are married. They have responsibilities. I think that's the other part that I look to. I think that's a good addition. I completely agree with the timeline so that it's not this extended, let's just keep taking this opportunity. I should have said that. I think it's a very good point.

I'm going to hold them to the nine months. I would hold them said that. I think it's a very good point. I'm going to hold him to the nine months. I would hold him to that. I think it's okay for couples to say, you know what, we're going to sacrifice here for a time being. But you're right. As long as it's a sacrifice to live with mom, not this wonderful kind of vacation. There you go. That's a good point. I mean, it's all right, Ken.

That's why we do this thing together. You help me, I help you. Phoenix, Arizona has Sarah. Sarah, good afternoon. How can Ken and I help? Hi, how are you guys doing? Doing well. How about yourself?

I'm doing better. Thank you for taking my call. I know. How can I help? I've got a question about career paths. I'm 21 years old. I've spent a lot of my time since I graduated at 17, trying to figure out what I want to do with my life. I went to college for nursing and I wasn't exactly sure if that's what I want to do. How do you ask yourself, what's my path?

Where am I going? How, like, what's my passion here? I always want to help people, but I don't exactly know what. How can I ask myself? Are you pretty confident it's not nursing? I'm not sure. Okay, so here's what I want you to do. All right, so I'm going to give you two answers. I've got to do it quick, okay? I'm going to give you some resources, all right?

So here we go, coming at you fast. First of all, before you decide that it's not nursing, I want you to hang around some real nurses, people that are actively, actively successful in nursing and all different types of nurses, labor and delivery, emergency room, surgery, those that check them in, in-home nurses, all the different types of nurses and do like a college, you know, report on what they do and learn. And your head and heart are going to get aligned on that. And then your head and heart are going to say, eh, or ding, ding, ding.

So you're just uncertain right now. So start with that because you've already leaned into nursing. But here's the process. Number one, you want to line up what you do best. Write out your top talents, the things you do best, abilities and qualities. Second, write out the work that you love to do. I call that passion. That's high emotion and high devotion for tasks and functions.

Finally, mission, the results of your work that you want to create. You want to help people. Who are the people you most want to help, the problem you most want to solve, the solution you most want to provide? Start there. Go get the Career Clarity Guide for free at KenColeman.com. Fill it out. Call my show. The number's at KenColeman.com.

Once you've got those results, call me next week, and we'll get there. Beautiful answer, Ken. America, I want to thank you. I want to thank our producer, James Chowdhury, and associate producer, Kelly Daniel. And America, don't forget that the caliber of your future, especially your financial future, will be determined by the choices you made today. And y'all made the right one by listening to The Dave Ramsey Show. Hey, it's Kelly, associate producer and phone screener for The Dave Ramsey Show. This episode is over, but if you heard about an event, product, or service and didn't have a chance to write it down, don't worry.

We list everything you've heard about during this episode in the podcast show notes or head to DaveRamsey.com. Thanks for listening.