The Ramsey Show - App - I Feel Like We Can’t Keep Up With Our Money (Hour 1)

Episode Date: July 27, 2023

Dave Ramsey & Ken Coleman answer your questions and discuss:  "Should we sell our condo?" "How do I prepare to start a business?" "I don't feel like we can catch up on our finances" "How do I say no to a promotion?" "I'm recently widowed; what should I do for work?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/TRS Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Live from the headquarters of Ramsey Solutions, broadcasting from the pods, moving, and storage studios, it's the Ramsey Show, where we help people build wealth, do work that they love, and create actual amazing relationships. Ken Coleman, host of The Ken Coleman Show, Ramsey personality, number one best-selling author of the book Paycheck to Purpose, career and jobs and work expert, is my co-host today. So if you want to talk about those subjects, he's here for you.

And anything else, the phone number is 888-825-5225. We'll talk about you right in front of you. Jordan is in Salt Lake City. Hey, Jordan, welcome to the Ramsey Show. Hi, thank you for having me. Sure, what's up? Well, I've been talking with my wife about something for a while. We have an opportunity to go and house it for her family down in another city. And we also

have our condo almost paid off. So we're in between decisions of deciding to sell it and really roll that to a new home or to rent it out. And again, almost paid off. So we collect rents on that and be able to use that to pay for a home as well. So kind of cross out there and figure to get your opinion on it. Okay. So you're moving to a better house. The only question is whether you're going to stop in between along the way and house sit for a little bit. Right.

Well, we are going to house it, but the question is. Oh, so the only question is whether to keep the condo or not. Yeah, keep the condo or rent it out and really take the rent without a payment on it. Yeah. So how much do you owe on it? Right now we owe about $38,000 left. Oh, good. Good for you.

When will it be paid off? We'll pay it off within the next few months or so. Okay. Good. Good. And what's your household income? About $100,000 a year. Okay.

And what will the property cost that you're going to buy probably later? That's definitely, we're probably looking in the range of between $300,000 and $400,000 for the next home. Okay. And you don't have that, and you won't be getting that anytime soon making a hundred right that's correct okay all right so the net result of keeping the condo is you're going to borrow more on the new property so it's as if you're borrowing on your new property to buy a rental condo. You follow that logic?

Yeah. So given that logic, that says we're selling the condo. Okay. Because if you had a house, let's say you had a $300,000 house and you owed $100,000 on it, and you called me up and said, I want to borrow $90,000 to buy a rental condo against my personal residence, I would laugh at you, right, wouldn't I? Sure, yeah.

And in essence, that's the net effect of this discussion if you keep the condo. So you didn't mean for it to be that way, but I'm reverse engineering on you to make you see the logic of where I'm going. So I love the idea of rental property. I love rental estate, but I'm not going to keep a condo and as a result, borrow more on my next property. Yeah, I think you're right. And what people need to think of when you lay this out is what is advancing me further down the road towards my financial goals. And selling this condo does that. They get to upgrade, massive down payment, less of a hassle. It's just a win all the way across the board.

Yeah, and you get the next house paid for real fast. That's exactly right. Nick is in Chattanooga. Hi, Nick. Welcome to the Ramsey Show. Hey, how's it going? Better than I deserve. What's up?

So my prayer's been answered. I got a promotion at work and I'll be doing an apprenticeship of sorts. And ultimately, you know, five, seven years from now, I want to have my own business, but start out like a side hustle. And I want to know what steps would you take knowing that's my end goal? What would I do from now until then what would be your advice on that so what business are you in now what's the apprenticeship in it would be electrical work like alignment okay and is the goal to start your own company in that same space yes sir yeah so how can you do that on the

side is there any kind of with that it comes down to this how can you do that on the side? Is there any kind of, well, that it comes down to this. How do you do that on the side without burning yourself out and then making sure that you aren't in any way poaching clients from your current employer? That's the key. And so as long as there's not a conflict of interest, you're doing a really good job where you are. That apprenticeship is preparing you. They're paying you essentially to eventually go out and do your own thing. And that's what's beautiful about the trade. So this is all about balance and then ethics is the short answer. Is that what you're asking? Pretty much, because a lot of it is just, you know, knowing what you're doing and how to do it and just having time, you know, doing the job because there's,

there's such a shortage of people do any kind of labor of that kind. And, uh, you know, I know some people that have done that and they, they're like, look, you know, I worked for somebody, it was awesome. But whenever I worked for myself, it just opened a lot more doors, but obviously doing it in a smart way, not saying, well, okay, I can get a loan for this. Oh, absolutely not. Absolutely not.

Like COVID happens, and then all of a sudden you're like, uh-oh, I can't make the payment. So that's the way I want to go about it. Well, that's the way you should go about it. So let me speak to the financial piece then. So you need to be patient financially and professionally here. You get in, you learn it, you get really good at it, you become very dependable. And now all of a sudden, you know, I've got everything I need, skill and experience to do this on my own. And I keep socking away money. I'm not going to go into debt. I'm going to work my way into the side hustle becoming a

full-time gig. Now, the advice I give for people that are in trade specifically to move from full-time jobs, side hustle, to working for themselves is, once you do the side hustle the right way, you're not poaching clients, you get out there, and I'd like to see you have six months minimum of your salary in the side hustle bank account. Minimum six months is what I would prefer. Six to more towards the 12 would make me a little bit more uh secure and stepping out on my own so i've got a pipeline of clients that i believe i can build on and i've got six to twelve months of salary yeah make sure if you're going to jump in the boat that you get the boat close enough to the dock before you jump that's right yeah that's what he's saying okay because sometimes go, I think this is going to work.

You know, and all it gets wet, you know? So, no, you got to get the income up on the side to where when you make the move over, you don't even feel it. Make sure you're not doing anything unethical and stealing your boss's clients to build your new business. That would be wrong. And then the last piece is this that I'll throw on top of this, Nick. One piece of you going in business for yourself is learning the trade. But running your business is not doing electrical wiring. Running a business is a different skill set.

And so you've got to learn some things about running a business in addition to learning the trade. So a lot of people, you know, good heat and air technician goes and open a business but doesn't know beans about running a business. And fabulous heat and air technician. But then they go out of business because they don't know how to do the marketing. They don't take care of the accounting and the taxes. They don't know how to hire and fire. They sign up for stuff they shouldn't sign up for. They overbuy on their tools and all these kinds of things. So you've got to start looking at

this also as you make this transition as a business person, not simply a tradesman. So the tradesman's awesome, but that's when you're working for somebody else. When you start working for yourself, now you own your gig and you've got to be able to run it. That's the deal. This is The Ramsey Show. Ken Coleman, Ramsey personality, is my co-host today. Oramar is with us in Canada. Hey, Oramar, how are you? Good, how are you?

Better than I deserve. How can we help? Well, I'm actually ecstatic to be on this phone call. I can't believe I'm talking to you guys, but I'm calling from New Brunswick, Canada. I actually moved with my family and my two babies, three and four, from Toronto, escaping pretty much what was happening over there. A normal run down home was $2 million. We didn't want to get into a mortgage like that.

And because we had the freedom of remote jobs, we decided, well, let's move. We wanted a more conservative place as well. So it's been amazing living here. But we purchased a house, $400,000 last year. It has been a year and a half. And I feel like I'm on baby step number zero. We are reading the book and we're doing everything we can,

but we had very bad advice with our mortgage. We went on a variable rate last year and I just, I feel hopeless. I don't know how to even get through this. So we've done what we can and we got the book from the church, Total Money Makeover. We've been reading it, but with two little ones, it's been tough. And I just, I don't know how to deal and cope with, I guess, paying the mortgage when we initially budgeted for $1,600, and we ended up at a fixed rate of actually we fixed the rate last week, and we ended up at $3,200. So you have a $3,200 mortgage, and what is your income? uh so my husband makes eighty five thousand dollars a year and i recently started i work uh with the same company actually and i'm making 33 90 uh i'm not on payroll but i am

i've been with them for 10 months and they are willing to put me on payroll it's just it hasn't come to that yet it's 33.90 an hour or 33,900 a year no 30 so 3,390 monthly plus um 85,000 a year that my husband earns which is I believe it's 4,900 a month so we're roughly around 8,000 to almost 9,000900 a month. So we're roughly around $8,000 to almost $9,000 a month. Yeah, you're about $8,500 a month take-home pay, and you have a $3,200 mortgage, which leaves $5,000 to pay the rest of your bills. Why can you not do that? I know, right?

We feel the same, but unfortunately, since we got our home last year, we had, I don't know why we came up with the bright idea that we wanted to finish the basement that we had in this house because we wanted to rent it out. We said, well, maybe let's do like a side income and have someone be downstairs. So is it finished or not? It is. Okay, is somebody living down there? We didn't finish it. Yeah, finally.

Okay, and how much are they paying you? $1,200. Okay, and so that's another $1,200 on the $8,500. Now, what other bills have you got other than the $3,200? What other debt payments have you got? Insurance, I believe it's $240. No, I'm talking about debt. Oh, that is $32,000 on a home credit line.

How much is the payment on that? A lot. It's like $900. $1,100. Maybe because we really got behind yeah okay eleven hundred all right so that's forty two forty three hundred okay and what else yeah uh twenty thousand on a credit card which i don't know how it even came to that okay or mar stop here's what's going on okay your brain is scrambled eggs on this money stuff

because it's you're all over the place just to talk to you and that's where all your stress is coming from okay so the numbers you've given me because you haven't thrown me any numbers here that don't work you've got ninety seven hundred dollars a month coming into this house counting the twelve hundred dollar rent okay the only numbers you've given me are 3,200 and 1,100 going out so when you just start just get no no no no my turn just at the top of the page write $9,700 and then write minus 3,200 minus 1,100 minus a little for insurance minus some electricity and food and then I then you're gonna go hey where's all my

dadgum money going because that's where i'm going right now i can't figure out why you're stressed out about this you should have plenty of money so what that tells me is is you guys are very disorganized you're very chaotic it's chaotic talking to you i'm not being mean to you but that's the that's what's happening it's the stress is in the air i can feel it and honey you got to get this you guys got to get if you'll if when you push this down onto paper and transfer this financial stress into actual arithmetic the stress will start to dissipate because you are not out of control here unless you've left out entire segments in this conversation which is possible but uh you've got there's something about writing it down that makes it come alive and makes it get under control so oramar it's

kind of like remember that time back in high school ken when you have a problem or you might do it as an adult, and you sit down with your friend who's going to help you with the problem, and you tell them the whole problem. And by the time you actually put it into cogent words, you know the answer, and it's not a problem anymore. Your friend doesn't have to say anything. They just got to look at you like you're an idiot, right? And so, or worse than that, you write it down. If you write yourself a report on what's going on, by the time your brain goes from jumble to verbal, and then one more step from verbal to written, you have processed this information very thoroughly,

and the answer oftentimes will appear right in front of you. You're on the other end of that spectrum right now, Ori Mar. So you guys need a budget. That's what you need and your your time is not being managed well your kids are overrunning you things are i bet your house is a mess and so you know the chaos it's in the air and when you get things orderly and straightened up the calendar straight the budget is straight you're going to get on top of this and you're going to be able to run. It's so fast because you're really doing better than it feels like you're doing to you. Your numbers are not nearly as bad as your emotions are telling you they are. Yeah. What I heard is someone who's being reactive instead of proactive and the power

in writing it down and creating this budget. Omar, what Dave's telling you is right. When you look at just that exercise where he said, all right, let's start with what's coming in. You guys have got to write down what's going out. And when you begin to get intentional, proactive versus reactive, you guys are letting every day come at you, and I don't think you have a plan at all. Your emotions are managing this. Your emotions are managing, not your logic. That's right.

So get your critical thinking skills up on top of it. Open up an EveryDollar app. Get that thing going. You've got a total money makeover book. You and your husband sit down, turn the TV off, put the kids to bed, tell them to stay in bed. And we're going to sit here and we're going to read this book and we're going to freaking do these steps exactly. We're going to get these forms out of the back of the book even. I don't care if you do it longhand with a yellow pad. But when you get organized, you will feel more in control. And the reason you feel that way is because you are more in control. And it changes everything.

Folks, when you jump on your EveryDollar app and do your budget for the first time, and you say, this is how much is coming in, and here's where I know it's going, and then there's this big pile of money left over, you're going to go, what am I doing? I'm spending like I'm in Congress. What am I doing? You're going to have that moment where you feel like you got a raise. It's true. Every dollar allows you to see where you are and then you can start making changes. But the problem is when you don't know where you are and what we felt in her was this i just don't know where any of it's going and i don't know and i don't know and here's what we know about just human psychology when the scariest thing is the unknown

and so every dollar allows me to actually for the first time go oh that's where I'm spending money. Bad news is not nearly as scary as unknown. That is so true. The human brain reacts more aggressively and positively towards bad news than it does the unknown. You might have cancer. It's going to be three weeks before you tell you. That's three weeks of hell. Yeah. And then they say, you got stage three.

Bring on the chemo. You're like, at least I know what it is. The devil i know let's fight it here we go game on but the unknown will drive you bananas this is the ramsey show thanks for joining us america we're glad you are with us ken coleman ramsey personality is my co-host today. The question of the day is brought to you by Neighborly, your hub for home services.

With 19 service brands nationwide, you can find reliable help from great locally-owned businesses like AirServe, Mr. Appliance, Dryer Vent Wizard. Visit Neighborly.com today for help with just about anything for your home. Today's question comes from Brittany in New Jersey. I currently have 100% job satisfaction. I love- God, Brittany, I don't have that. I know. And she puts love in all caps, by the way. I love my job. However,

I'm consistently being pushed to take promotions that I do not want. While flattering, I'm running out of ways to say no politely. Is it wrong to stay at the same level in my career? How do I say no to a promotion? All right, I love this question, Dave, because I do think this is a leadership flaw. And it's pretty common in America that when someone does a great job, we certainly want to reward them. And beyond pay, we end up pushing them into positions many times that they're not well suited for. So Brittany, my answer is, it's not wrong to want to stay in the same seat on the bus that you really love. I think that's honorable. And so the second question is,

how do I say no? I don't think you say no. I think you say thank you. I'm flattered. I'm honored. I like being here. I want to be on this bus, but I really love the seat that I'm on. Here's why I love that seat. And because of that, I don't want to step into this promotion. It's not because I'm not willing to try. It's not because of this and this. I just feel like this is my niche and I want to fill it. And I'm grateful for the opportunity, but this is what I want to do. And I think that that's shocking for a lot of leaders to hear, but I think you have to say it. Yeah, leaders assume that everyone wants to move up and make more money. But I'll tell you where we mess this up in leadership a lot is in the technical field.

Not everyone that likes designing and writing code wants to lead people. That's right. As a matter of fact, most of them don't want to lead people. Not everyone in our creatives among our video team and our, you know, the producing the graphics and the other work in this place, a lot of those prefer doing the creative work. And if they take a promotion into leadership they often miss doing the work that they love and so creatives and tech are the ones i've seen it

the most with the first time i ever experienced this in leadership and it's a little bit baffling for a young leader or an immature leader was the very first guy i ever hired russ carroll no yeah russ came to us he was a former pastor and and he was doing counseling, financial counseling, one-on-one, and he loved sitting down and pastoring and counseling, loving people that were hurting, helping them not lose their home, get their budget organized. He was a kind, compassionate guy, and our company's blowing and going and growing, and he was the very first guy ever hired. All of a sudden, there's 10, 15 of us, and we're like, okay,

we've got this department, Russ, that is the counseling department and the live events department, and do you want to come and take a promotion and run that? And he said, wait a minute, let me get this straight. I would not be doing counseling anymore, right? He said, and I would be doing budgets, yeah, and I'd be hiring and firing people, and I'd have to deal with their problems, the people, the employees' problems. I said, yeah. And he goes, that would be leukemia to my spirit.

Such a good line, too. Wow. But he was self-aware enough and mature enough to say, no, I get great joy from coaching and counseling and he counseled with he worked for us 20 years that's right and that's what he did the whole time yeah he did some speaking outside of here and uh in terms of we would send him to church to speak for us and something like that and uh and he did coaching and counseling never once ran a department and you know many many many people came and went running departments for more money yeah but he was very comfortable what he's doing and it's sometimes baffling for

someone in leadership but uh i've russ is one of my best friends to this day i love the guy and uh still honor him as our first team member at ramsey and he taught me that lesson yeah you know it feels nonsensical, folks, because you're turning down an opportunity to grow, and we're people of progress. However, Dave mentioned the key word there. It's maturity. Maturity to go, you know what? I know who I am. I know what I want, and I know why. And you can say, hey, I'm honored. And I hope leaders would say, you know what? I appreciate that. We'll give you a bump in pay because we want to reward you uh but we're going to keep you there and we're going to honor that and i think that that is a healthy response to

someone saying that but you're right dave most leaders got to a leadership position much the same way they were they were like i gotta say yes i'm an idiot if i don't yeah yeah how do i turn this down just by saying no langdon is in paducah kentucky hey langdon how are you i'm doing well dave and ken how are you all better than we deserve sir what's up all right so i'm just going to lay the foundation here before my question my wife and i we each invest in our employers 401ks up to the uh percentage. And what we put in goes into the Roth option. Now, we also each have Roth IRAs on our own. So this morning, we're having our budgeting meeting and we're discussing, okay, here's the percentage we're going to start putting into our Roth. My wife,

being smarter than me, brings up the thought, hey, why don't we just load up our work retirement on account of it's already a Roth option instead of putting it into our separate Roth? What's the pros or cons or benefits of that? And I said, I'm going to get an answer for you today, and that's why I'm calling you guys. Okay. There's no difference if the mutual funds are the same if your work mutual funds perform as good as your personal roth mutual funds there's no difference the only difference is you got a little bit more accessibility and control to personal accounts than you do to business accounts uh through your hr department or whatever right but it's uh these days with your web access and other things with most 401ks it's just fine

and as long as you're getting a good performing set of mutual funds at work there's no difference at all um what we would tell you to do is if you're out of debt everything but the house and you have your emergency fund of three to six months of expenses will be to take your total household income times 15.15 yes sir and then i want that much money going in some kind of a roth with with a match first and after that either one of these accounts is just fine i wouldn't put more than 15 in unless your home is paid off which is maybe step six is Is your home paid off? It is not paid off. We refinanced to a 15 a couple years ago, and I think we're on track for about six to seven years on that.

Good for you. And what's your household income? Household income is right around $100,000, I believe. Okay. So $15,000. Yes, sir. Totally. Yes, sir.

And I guess it's in theory our work employer, we can load that thing up to, what is it, $19,000 to $20,000. No, I'm telling you don't do that. That's exactly the point. $15,000 total between these four accounts and everything above that at your house. Yes, sir. Okay. So first take the match and then do either one of the other Roths. There's not a wrong answer unless your work has only bad mutual fund options,

and then you would move towards your individual Roth to avoid those bad options, even if it's got bad options up to the match. But if the options are weak, then you would go towards the personal otherwise. Those baby steps work every time. Every time. A lot of proof, a lot of years. Yeah,. Those baby steps work every time. Every time. A lot of proof. A lot of years.

Yeah. It's been happening a long time. Open phones here at 888-825-5225. Now, let me tell you the story. I don't know how old he is, but if you put $15,000 away and seven years later, your home paid off uh in somewhere around the time that your home is paid off you're probably a millionaire that would be normal that would be the normal set of mathematics and so this just tells you how quote-unquote easy it is to become a millionaire in america very very important to focus and be, which is not easy in a world full of ADD. This is The Ramsey Show.

Ken Coleman, Ramsey personality, is my co-host today. This is The Ramsey Show. Thank you for being with us. Valerie is with us in Boston. Hey Valerie, how are you? Good. Thank you for taking my call. Sure. What's up? So I became a widow last year in August. I have two children ages 15 and 16. Two days ago I lost my job. Oh my. And so I've been with the company for 21 years. I've been going to school full time while trying to resolve my husband's estate and also nearly becoming a single parent.

So my question is, being that I just lost my job, my job basically was the additional income that was allowing me to cash flow school. We do get my husband's Social Security. And so I'm kind of on the fence as to what to do now. I really wanted to finish pursuing school to open up my income potential. And I'm just concerned, do I go out and try and find another job right away to continue to cash flow school? Do I just put 100% effort into school, possibly take out a small student loan to get through? I'm just not sure where to go from here. How much school do you have left and what are you attempting to get?

What degree and where will that take you? I'm going to school for pharmacy. I'm looking to get a PharmD because I've been in the industry for 21 years. And so it's going to allow me to go into biomedical engineering to work in the lab developing the medications. Great. I still have a good four, four and a half years of school left. And I've been doing the cheaper route.

I've been doing community college, online classes so that I can try and manage the household all by myself. What were you doing that you got laid off from? Pharmacy technicians. And what were you being paid? Just over $27 an hour. Okay. And why were they laying people off? They weren't laying people off. It's actually a payroll dispute, which I'm appealing my termination with the company. They're saying that I fraudulently got paid out vacation time. My supervisor paid vacation time that I did not

request. And I have documentation of that. So I am appealing the termination, you know, but it's a hot mess. It's a very, very large company, but I am appealing the termination because after 21 years, I have an exemplary record. It's kind of ridiculous that with the first offense, they went right to termination. Oh, and they didn't even investigate. corporate america okay right um exactly wow okay what's the market like for farm techs right now i'm taking a stab but that's uh it shouldn't be hard to get it shouldn't be hard for you to replace that income correct well it wouldn't be hard for me to replace the

income the difficult part is scheduling because I am all by myself. It was that way before, though. Yeah. True, but the position that I just had, my direct supervisor was extremely flexible and very understanding with scheduling if I needed to fluctuate. For instance, now it's the summertime. Scheduling is a little bit different versus during the school year.

Once my son starts driving, I'm going to have to do more. Yeah, but that's not to say you can't find that again. They may be motivated enough for a hire that they will work with you on flexibility. So I think you need the income. And I think you're scared to go look for another place because in the middle of all the pain and tragedy you've already been through, this is one more kick to the gut. Yeah. It definitely is one more kick to the gut for sure. And it kind of takes some of your confidence away.

Yeah, for sure. And you've been with them 21 years. And I'm trying to make you feel good about this. There's nothing wrong with you. But you've been in one place 21 years. That's a massive change. And so your brain has got to get to a place where you go, wait a second. I can be just as valuable somewhere else.

And so this represents change. It might be really neat if you ended up making $37 an hour. Yeah. And this whole thing ends up being what's called a blessing. Right. And here's my concern, too, is we get the Social Security from my husband, and, of course, you can't make more than $21,000 a year. I want you to go make $210,000 a year and not care about that.

All right. Okay. Don't let the government dumb down your life. Okay. Yeah. So you can make enough more to offset anything they cut and there was there was no other estate when he passed other than that um there we have i have 374 000 in a traditional ira that i got from the estate um there's no

debt at all we owe 116 000 on the house there are well estate. There's no debt at all. We owe $116,000 on the house. There are, well, I apologize. There's one debt for solar panels that he had put on the house that I only owe $29,000. I've been working on getting that paid off. But outside of that, there's zero debt anywhere else. Cars are paid off. Everything else is paid off. So I just have pretty much just those two payments and then normal living expenses this is not a math problem valerie this is um you you've been uh you you've had the roughest two years of your life including an unreasonable uh bad poor weak leadership at a company you worked for that fired you for no reason. And the loss of your husband.

And these are things that just steal some of your confidence. But if you pretend for a second that you're like 19 years old and the whole world's in front of you and everything, and the sun is shining, and you just run out there and grab you something with a big smile on your face, you're probably going to get a raise. Okay. And you're probably going to find something with more flexibility than those twerps you were working for. Okay.

So I shouldn't stress about losing the Social Security at all? Not if you make more than the Social Security. Okay. And you will probably. I mean, let's go find out what's out there instead of sitting in the corner. Okay. And you will probably. I mean, let's go find out what's out there instead of sitting in the corner. But it's a normal human reaction to not feel super confident in your situation. That's right.

Right. But we're talking to a lady who's super competent. And so we see we're more confident for you than your last two years of your life have led you to feel. Right, that's for sure. Valerie, how much do you want to be in that lab four years from now? How much do you want to be in that lab doing that kind of work? I would love to be there, especially after my husband passed away from a very rare cancer. And the limitation on treatment options was huge. So it just kind of motivated me even more to want to be there.

See, Valerie, okay, now listen. That's what you've got to hold on to. Yeah. When your future, when the excitement for your future is greater than the fear of the unknown and greater than the hurt of the past, that's when you are unstoppable. And you have to keep that future in mind.

Four years goes by quick. You know know that you're a mama bear those kids were 10 and 12 and 11 and so four years no debt do not opt for the student loan you don't need it you got this far please don't take the student loan bet on valerie that's right yeah bet on valerie she's a good bet. Yeah. That's where I'm placing my bet. Yeah. And it's not on corporate America. This is the kind of stuff that makes me want to spit nails, where you've got her boss, who gave her flexibility, gives her vacation time, whether fraudulently or accidentally,

and they take it out on her. She has an exemplary record. It's not like there's a pattern of her doing this and she can't give herself vacation time can't happen that way this is where hr gets a bad name because there's idiots in there right bunch of paper pushers instead of wait a second let's look at who this person is yeah 21 years and by the way here this will get you in god will love you if you mess with widows there's that too let's just go ahead and do that let's just mess with widows and orphans and see how this turns out for you yeah good lord 21 years she's been with them stupid they're just stupid and they want you know i don't know how do

you build employee loyalty you don't pee on the ones that you have. Hello, try that. There's a good starting spot. Why is this hard? Goodness gracious. We can't attract good talents because you piss on the ones you have. It's just, golly, just dumber than a rock, man. If she wins the appeal, she's not going to want to go back there because of how they treated her on the front end. The only reason I want to appeal is get a dadgum check

that's what I want a nice fat check yeah for you know for yeah wow hey good riddance go make 37 an hour I'm betting on Valerie she's the horse going to win

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