The Ramsey Show - App - I Finally Got My Dream Job but I'm Terrified! (Hour 1)

Episode Date: April 23, 2021

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Live from the headquarters of Ramsey Solutions, broadcasting from the Dollar Car Rental Studio, this is The Ramsey Show. It's where America hangs out to have a conversation about your life. I'm Ken Coleman, Ramsey personality, host of The Ken Coleman Show on the Ramsey Network, joined by my colleague, Dr. John Deloney, who is host of The Dr. John Deloney Show,

a Ramsey personality as well. And we are here to take your calls, 888-825-5225. It is a toll-free number, 888-825-5225. Now, of course, you're familiar with the Ramsey Show and talking money, but we're going to talk about more than money. We'll talk about Dr. John's expertise, mental and emotional health. We'll talk about your work situation. Do you want to make some more money?

Do you want to switch jobs? Do you have a toxic work environment? Oh, John and I will team up on that. So what we need to do is figure out what you need, and then we work together to give you some practical advice. John, good to be with you as always. You too, man. And thank you for reminding me to even turn my microphone on.

Yeah, yeah. I was looking over there because I thought at any moment you're going to jump in and the mic's not going to be on, but that's what we do for each other. Well, here's what we do. They bring me in, who's a hack, next to a professional radio guy, and it works out really well for everybody. We have fun. Especially the listener.

And we love to help people. That's right. So John and I are going to team up. So again, we'll take your normal money calls. But John and I really do enjoy taking on the, especially when we've got yucky work stuff. I love it. Because I'll talk to you about the tactical and some of the,

hey, what's my zone, my country zone? But there's all this other mental and emotional junk there, John. It's all found out. And we like to team up on those. So it looks like we might have one of those to get started. Let's go to Mobile, Alabama, where Ricky is on the line. Ricky, how can we help? Hey, man, how y'all doing?

Thank y'all for taking my call. You bet. What's going on with you? Well, I'm having a little trouble believing in myself, jumping off into a new career path. And I'm just scared to take the leap. having a little trouble uh believing in myself jumping off into a new career path and uh i'm just i'm scared to take the leap um i've um i work i work at an alabama power plant uh-huh and uh i work seven days straight and i'm off seven days and i've uh i recently acquired my life and health

insurance license here in alabama and i want to i want to do that full-time I'm an independent broker I have contracts with the all the major carriers and I want to do that full-time and I'm just I'm a little bit nervous about going to a strictly commission-based income from my steady income now makes total sense I'm gonna have John jump in on on some of that fear stuff because he really is an expert but I do want to talk tactically to this. Dude, this ain't. Ricky, I'll tell you this is about fear. This is about tactics, brother. You've walked through.

You've got the license. You've gotten the connections, these contracts. You're into the fear part. Now it's just about tactics and math. Yeah. So, Ricky, here's the deal. It's a straight commission deal. Are you going to be truly out on your own under another broker?

Is that what that means? So if you were to go into this, which I'm not going to tell you to do, to just drop everything and go into this unless we've got the financial wherewithal to do it, but if you did that, it's just you and you're out there beating the pavement in Mobile, Alabama, trying to get people to buy their insurance through you. Is that how this is going to be set up? Yes, sir. Okay, great.

How much do you make right now in your Alabama power job? Last year I grossed $59, sir. Okay, great. How much do you make right now in your power, the Alabama power job? Last year I grossed $59,000. $59,000. Do you have any debt? I have two vehicles. I owe less than $9,000 together. Okay. And that's it.

All right. And so are you on the baby steps now? So you're in baby step two, knocking those two out? Yes, sir. Okay, great. And so you know baby step three two knocking those two out yes sir okay great and so you know baby step three is we got to get that three to six months emergency fund in place so right now you're in a financial situation where you can't just take a leap you could but i don't think it's wise for you to go to a straight commission leap right now

and that's what you're feeling, correct? Right, right. And the thing, the way my work schedule is, with working seven days at the plant and having seven full days off, I've been able to work both. That's where we were going, Ricky. Yeah, you're way ahead. You're already ahead of me. But I wanted to walk you through,

you're afraid of something you don't need to be afraid of. So here's my point. Because you've got this great job that's seven days on, seven days off, you're building the insurance business on the seven days that you're off. And you're not losing any progress on the debt-free snowball journey. And then the three-month expenses or six-month expenses, there's actually nothing to be afraid of. This is perfect. You actually have a full-time job that allows you a full week in between your week of working to actually

pursue the dream job. So go after it. You have nothing to lose. So you have nothing to be afraid of. John, that's where I've taken him. So Ricky, here's the hard part. I'm going to tell you about a conversation I had with my boss this morning. Uh-oh. And it's something that I'm terrible at

and that my guess is you're going to have to learn how to do too. Hold on one second. James, can we get somebody from HR in here? We don't know where this is going. We've had it. Hey, Ricky, here it is. You're going to have to be patient.

Oh, okay. Yeah, that's good. That's good. You're going to have to be patient. You're a go-getter. Yep. You are somebody who rocks and rolls and gets it done.

You run a power plant. You're the man. You make good money. You're crushing through these things. I bet you're a fun guy to hang out with. And then you decided, I'm going to go be a broker. I'm going to build stuff up.

And now you're going to have to do the slog, grindy, turtle versus the hair work of just showing up week after week. You're going to be exhausted from your seven days on. You have to get up and make those phone calls. Get up and do those things. You're going to be exhausted from your seven days on. You're going to have to get up and make those phone calls,

get up and do those things, and you're going to have to email those people back and have call after call after call where you make no sale, no sale, no sale. You're just going to have to be patient. That's it. All right? And that sucks.

It's not fun, and it's 100% part of this deal. But, Ricky, when you replace the $59,000, so you've got that insurance business up to where it's bringing in your monthly equal to your $59,000 job right now, then you can tell the power job, buy Felicia. Right? But until then, you stay with this. And then there is zero risk financially, thus nothing for you to be afraid of. The monster that you think is under the bed is not under the bed. That's right.

So that's how we do it. Now, to your point, John. It's got to be patient. That's tough. Because what happens is he starts getting those first couple insurance clients. I'm out of here. Oh, I love this. He's like, I don't want to go to the power plant for seven days straight. Here's what's going to happen. He's going to land three new clients in one week. Right. And then Tuesday

of that following week at the plant, he's going to get called in. He's going to get ringed out for not filling out a TPS report the right way. Or Harold the jerk comes in and throws his lunchbox on the ground and spills coffee. He's like, this guy. He's an idiot.

He talks politics all the time. I can't deal with this one more day. And the answer is you can't. You have to. You got to keep going. Because on the other side of all that slog, he's working for himself. Your own boss.

Hey. Yeah. Ricky, three years from now, you're going to be on vacation with your family at the beach, come out of the ocean, dry off, lay under the thing, pick up your phone, and go, oh, just made some money while I was flopping around in the ocean. Am I right?

Yeah. And I'm having some fun with this, folks, but I want you to get this. That's the vision you hold on to during the slog. That's right. I'm doing what I have to do so that I can do what I want to do. That's right. And again, this applies with marriage. I want to just pop back off with this conversation.

Oh, that's the truth. Don't. Be patient. With getting in shape. Yeah. Like, I want to have a hard week of workouts and just look in the mirror and be like, what's up? That's not how that works, sir.

Isn't that the truth? Yeah, we go to the gym for an hour. We go to the bathroom. We start looking at our waistline. It's like, what happened? Wait, it didn't shrink. You got to keep going. Yeah.

Got to keep going. We do that with our spiritual walk. Everything is about showing up and showing up. It's about patience. Right. About being patient. And then you're right. Three years from now,

walking out of the beach. Oh, yeah. Oh, great. Cash Raiders is going to be ringing on yours. That's right, three years from now, walking out of the beach. Oh, yeah. Oh, great. Cash Raiders is going to be ringing on your house. That's right. It's going to be a good Christmas, mama. Pass the Mai Tais. Hey, it's worth it.

Stay with it. Keep the eye on the prize. Don't move. More Ramsey Show coming right up. In an uncertain world, being a good steward of your money is more important than ever. While some circumstances can't be controlled, there are items within your budget you can take charge of, such as your health care costs. For nearly 40 years, Christian Health Care Ministries, or CHM, has provided a budget-friendly means of sharing for medical bills when our members need it. Learn more by visiting chministries.org slash budget. That's chministries.org slash budget. That's chministries.org slash budget.

Welcome back to the Ramsey Show. Thrilled to have you with us. I'm Ken Coleman, joined by my colleague, Dr. John Deloney, and we are here taking your calls. 888-825-5225 is the number. 888-825-5225. I've heard countless stories, I know you have too, from people who've lost a loved one and were totally shocked when they reviewed the will.

Your final wishes should not be a surprise, people. When you leave your family in the dark, you're setting them up for huge problems down the road. So make sure that you talk to them about your end-of-life plans. The How to Talk About Your Legacy Guide. By the way, John, really good job on whoever wrote that. Because if it said the How to Talk About Your Death Guide...

Yeah, not great. Nobody wants to download that. Legacy is a much kinder way to say that. Much nicer. The How to Talk About Your Legacy Guide will help you have the right conversations before and after making a will. It's going to kinder way to say that. Much nicer. The How to Talk About Your Legacy Guide will help you have the right conversations before and after making a will. It's going to teach you how to specifically plan your conversations, get on the same page with your spouse,

ask people to be your executor, kid's guardian, or power of attorney, and tell the rest of the family what's in the will. Now you can give your family peace of mind because there won't be any unpleasant surprises after you're gone text the word legacy to 33789 to get your free how to talk about your legacy guide today again text the word legacy to 33789 888-825-5225 is the number let's go to indianapolis indiana where james joins us james how can we help yeah i was um i have a 401k that um i just uh has a little bit into it and we have about nine uh 7900 left on our consumer debt my thought was to take that out and just pay that off take it out early and pay it off my consumer debt and then start with the rest of the baby steps. No, you should not do that.

You're so close, man. I know it's so tempting. Yeah. How much have you paid off? We've paid off, let's see, five and then... Carry the one. Yeah, I know. About $15,000. Yeah, good job.

What's your payoff date? It's going to be mid-next year. Yeah, here's the deal. You've got to be patient. You guys have done so much. That $7,900 could probably be paid off closer, sooner, if you get really, really creative on how you could do that. And I love the idea.

This came from creativity, right? But we always say no to this question. We'll always say no because you're going to take a tax hit on this when you pull that money out, and it's an unnecessary tax hit. That money needs to stay in your 401K and grow. You guys can knock that $7,900 out probably quicker than you think. And even if you can't, you're still going to get it. You're so close.

Don't make a bad financial decision, okay, to try to make a good one. You end up borrowing from your future self to pay back something that your past self did. Don't do that to yourself. Hey, let me ask you this, James. If you went berserker mode and just swallowed every last little Indianapolis ego pride you had, could you go get a job delivering pizzas or driving Uber and just crush this thing and pay it off? Could I? Yes.

Yeah. Yeah. Hey, I want to tell you, we talked to thousands and millions of people who pay off debt. I want you to know that you think you know how good it's going to be on the other side. You don't until you experience it. And when you do, you'll go, I should have got here faster. Dude, you are worth going berserker mode and getting this thing done. Do it.

Do it. Do it. Don't shortcut it. Don't borrow from yourself, from your future self. Just go get another job and get it done. Absolutely. Thank you for the call, James. Matthew joins us next in Orlando, Florida.

Matthew, how can we help? Hey, guys. Thank you for taking my call. You bet. What's going on? So I'm 22 years old, about to graduate from college debt-free. I have a job lined up in a couple of weeks where I'm going to be starting. I'm about to start baby step four, and I'm looking at getting a new car.

So I'm going to be getting a signing bonus from my upcoming job, and between that and my tax return, I feel like I'm going to be able to put together a lot of money towards a car how much i'm wondering is um i'm looking at about 10 000 towards a car um and then i'm looking at potentially even going up higher to closer to 15 000 but reducing from six months to three months expenses in my uh merchant. I was wondering if you guys thought that would be an okay thing to do if I wanted to knock it down to three months or if I should keep it at six months. Well, bottom line is if you look at what we teach, we say three to six

months. So, you know, are you breaking some rule? No. I just wouldn't do it. You've worked so hard to get six months expenses. That's a really good night's sleep. And you got 10K. This is all as soon as you start the new job. And you're graduating college debt-free. So we're only talking about three, four months of just super disciplined young single guy saving up the extra five.

So the answer is no, I would not do that. Matt, my wife has driven a car that we bought for $10,000 for the last four or five years, I think, with our two kids in it. The car I bought, I really went all in, and mine was 16. Now listen, there's nothing wrong with buying nice cars, and one day I hope to. But I haven't felt good enough financial position to just go blow a bunch of money on cars. This is your first gig.

You need to buy a $10,000 car, man, be super happy with it, and just be about saving that money up. Ken made what I think is the most underrated component to your health. Ken just called it out. It's a good night's sleep. And you're going to get into your new job, and you're going to think, this boss is terrible. I don't want to be here. Fill in the blank, fill in the blank, fill in the blank. And you will have nothing to worry about.

You got six months emergency fund. A $10,000 car is going to get you where you need to go. Your options will literally be limitless because you didn't go overboard. Now, if you had $25,000 in cash and somebody hooked you up to buy a car, is that bad? No, it's not.

I'm just telling you, in my own house, I don't even think it's that big of a deal, right? I did do this. I went and bought a big, new, fancy truck car, a truck, when I graduated college for my first job. I was the stupidest, dumbest, because I had to have it, Ken. I wanted to be so cool. Didn't need it, man. Matthew, get a $10,000 car and ride out, man. Call it good. Yeah, yeah. I mean,'ve got a couple options there. You're going to have a really good job. Do not touch the emergency fund. That's why we call it an

emergency fund. And you do not have an emergency. But congratulations. Let's not move over the fact that this young man, for whatever reason, is graduating college debt-free. That makes him a unicorn. Yes. He's all by himself.

That's right. And I think that's right. I think this delayed gratification on things that you can make a good case for are the toughest ones to deal with like this. Because he can make a case. Well, I could still have a three months emergency fund and he laid it out for us. And that's

the kind of stuff that kills your progress. That's right. And, man, I feel like this is a common theme already in this hour. It's just about being patient, right? It's just about being patient and patient and patient. Buy a car that's going to get you to and from. You're 23 years old. You have nothing to prove to anybody.

Get where you need to go and then head on back, man. Yeah. You know, let's talk about this for a second because you've been talking about patience and patience and staying with it. And I will tell you in my own journey, because I'm just speaking for me here, you can psychoanalyze me, my friend. The greatest tension that I have faced in my professional life, and then I'm starting to see it now as a parent with teens, the greatest tension I deal with is the tension between persistence and patience. I got to get up and do the right thing in my work. I got to get up and pay my dues, learn how to do radio, learn how to write books, all the things that you and I do professionally.

How do we help people better? We always wanted to help more people. So you and I, we haven't arrived. No. So we have to get up and persist. Right. But we got these big visions. I want the payoff. Big dreams. Yeah. And I got to be patient. So I got to get up and do, I got to get up and

show up. Right. But I also got to wait. Yeah. Right. Some of you spiritually waiting on the Lord and your prayer life, waiting to see that kid, figure that out, you know, it's all the things. I struggle so much there. John, I'm just going to give you a second to talk to me because I feel it. Listen, it could be for something you desire or it could be something that you need desperately. Ken, it's the air and water that we swim in and breathe and drink. It's so hard, isn't it? It's our culture that says, you know what?

You deserve it. You deserve it now. Yeah, and so they try to remove the tension. I'm going to pull all tension away. I'm going to make it to where you don't have to think about buying it. Just give me your number. I'll do it automatically. I'm just going to send it to your house. You don't need to think about it. I'm going to pull all tension away. I'm going to make it to where you don't have to think about buying it. Just give me your number. I'll do it automatically. I'm just going to send it to your house.

You don't need to think about it. That's right. What kind of loser thinks about their electric bill? I got it. Just give me the number. I'll charge you whatever I think is a fair rate. And if you go back generations before, it was, I'm going to buy things, make decisions, based on its effect seven generations from now. That's it. Right?

Folks, slow down. And this is the pot talking to the kettle here, man. Oh, yeah, we're preaching ourselves. I'm the worst. Hey, look, if you want something that really matters, you're going to have to embrace the tension between persistence and patience. Hey, I got something that'll relieve your tension. There's more of the Ramsey

Show coming up. Don't miss it. The Ramsey Show rolls on from our Ramsey Solutions headquarters in Nashville. So excited to have you with us. 888-825-5225. John, you and I both do shows. I almost instinctively went into the number for the Ken Coleman show. Yeah, James, the producer over there, that's happened, I think, the many times I've hosted. I've done it, I think, twice. I think you need to do it like I do it, which is I don't have the other number memorized yet.

Oh, yeah, I know. But see, the more you do it, it's just like... Sometimes incompetence comes in handy. It does. See? Thank you, James. That's really the story of my life. Well played.

Well played. But it really is a psychological thing. Like, you you, James. That's really the story of my life. Well played. Well played. But it really is a psychological thing. Like, you know, it's just amazing. Like, how many times you say that number, and I finally caught myself. That's the first time now that I've stopped. It's like, oh, there it is. It's 888-825-5255. That's the number to jump in.

888-825-5255. Never underestimate incompetence. Yeah. Never. It's true. James bringing the heat. He does. He beats me up all day long.

Love you, John. He has a low self-esteem. I let it happen. It's part of my... It's a gift. It's a thing. It's so good. All right.

Hey, we're here for your calls, and we're excited to do it. Baltimore, Maryland is where we go. Oh, actually, okay. There it is. Faith in Washington, D.C., that's where we're going. You've got to have her. Faith, how can we help? Hi, guys.

Thanks so much for taking my call. I am calling to say that I've offered my dream job and I'm terrified. Hey, Faith, can you try to stand still and hold that phone as close to your mouth as possible? We're having a hard time hearing you. Sure. There she is. I got offered my dream job, and I am terrified. What are you terrified of?

So I'm coming from the nonprofit sector and switching into finance, and I've been passionately interested in finance since I was 16, but have never done it professionally. And so I'm just worried that I won't pass my exams, that I'll study for everything, and then just ultimately just fail. Tell us about the last time you worked really hard on something and you just failed it miserably. Oh, boy.

College? Did you fail out of college? No, I did not. No? At your boy. College? Did you fail out of college? No, I did not. No? At your nonprofit, did you fail out of that? I did. You failed out of it? Yeah.

It's a long story, but basically I got fired from my last job, and then I applied for my dream job kind of on the fluke. I was like, well, I got fired, so I don't really have anything to lose. And then I got it. But did you get fired for incompetence? I got fired for a mistake that I made that was kind of dumb, but not like grossly terrible. There you go.

So that's what's shaking you. Here's the deal. Faith, you just got the job. They already gave you the job. So you you're in and so now you're going to work on getting trained and you have always wanted to do this you're equal parts excited and equal parts oh i've got this doubt because it's new and i know what that feels like it was 2017 faith i had just become the ramsey personality and and I was in Orlando, Florida with my family. And I got a call from Jeremy Breland, who leads our personalities, and he said, are you sitting down?

And I said, give me a second. And I sat down on a park bench at a theme park. He said, hey, this is not a guarantee that this is going to happen, but it looks like that SiriusXM is going to do a channel, a Ramsey Network channel, and you're going to have a live show leading into Dave Ramsey Monday through Friday if this goes through. How does that feel? Now, Faith, I was instantly excited. And he peed his pants. Okay, there you go.

I was thinking more sick to my stomach because i was like wait a second yes i'm excited i want to do this i've always wanted to do it but i hadn't done it on that level before and faith the day before i was as sick as i've ever been in my life about a job why because i'm where you are right now i'd always wanted to do it i built it up in my mind it was the dream job. It is the dream job, by the way, but I hadn't done it, and I was like,

what if Dave thinks my show sucks? What if I can't help anybody? They're going to fire me. My kids are going to starve. We're going to be living in a box under the bridge, and my mind went bananas. Faith, what's the worst possible thing that would happen if you fail that first exam, something I don't think you're going to do?

Tell us. I'll get an additional 30 days to try again. Oh, okay. So, Faith, are you going to fail miserably in this dream job? I don't know. I think it's worth it. No. Faith, Bad answer

You get to take the retest Right now Your name is Faith Yes Own your name Have some Gee whiz The answer to that question is no

Don't self-sabotage yourself Yeah You're going to crush this And like Ken said If you don't Then you get 30 more days And you're going to do it again I mean yeah I think it's also just like I'm putting a lot of pressure And like Kim said, if you don't, then you get 30 more days and you're going to do it again.

I mean, yeah, I think it's also just like I'm putting a lot of pressure on myself because my grandfather taught me everything that I know about finance. He passed away a couple of years ago, and so I'm also just like, well, if I fail, then what? Am I dishonoring my grandfather's memory? I know I'm not, but, you know. No, you're not. You're not. You're such a sweet, sweet, sweet heart. But I'm going to tell you something.

Your grandfather, you didn't disappoint him when he was alive. You're certainly not going to dishonor him now. Faith, this is all, you're just creating all these reasons why you may have stepped into the wrong thing. That's what you're trying to do right now because you're there

and now you've got to take the test. And so the fear of failure, while that fear is embodied in you and it's very real, the reasons why you're fearful, they aren't legitimate. We just walk through them. We put them on the witness stand. There's no evidence, Faith. And we're having some fun with you, but at the same time, trying to shake you out of this because you have created all these things that could happen if you simply don't pass a financial test.

I'd take that fear and anxiety and I would channel that towards studying my head off. And here's another cool thing, Faith, coming from the nonprofit world into the profit world. It's going to be an adjustment here, so I'll cut through the tape for you. The for-profit world hires people for one reason, to make them money. They would not have hired you if they didn't think you could make them money.

Don't let your employer have more faith in you than you do. They think you're worthy of the challenge. They think that you're going to make them money. That means you should believe them. Okay? You're going to do

a great job. And let me just, again, the reason I told you and our listeners that story is because I got to a point where I was really nervous, John, before that first day. Yeah.

I promise you. More than I've ever been nervous. And I got to the point where I said, why am I doing this? And I started focusing on where I wanted to go, why I wanted to do the show, why I was willing to suck. Because you do when you start.

The first time is the worst time. And I said, I've got to focus on why I'm doing this, and this is the pain. The root word of passion means to suffer my own criticism and suffer through making those early mistakes and not doing as good a job as I could have done to get to the opportunity to do it long-term and help as many people as possible. You must begin with the end in mind, and you can't be focusing on all the things that could go wrong. Because guess what? Some of them are going to go wrong, but most of them that you're terrified of aren't going to actually materialize.

So let's go to that all the way to the end here. She goes and tanks her exams. Okay? And I'm not just talking about faith. I'm talking about anybody. They have this dream. I used to deal with this with my students. I was put on earth to do one thing, be a singer.

The cosmos has called me to be a singer. I'm here. And then they sing and you're like, nope, it didn't. Yeah, right. It for sure isn't that, right? You know what? Still true. Person's still a person of value. Still got purpose and passion.

There is going to be some extraordinary things they can do, whether locally or small or on a big scale, doesn't matter. Who Faith is is not wrapped up in whether she becomes a finance person or not. And we often take our identity and our future and our this, and it's all going to come crashing down. My kids are going to be able to eat. And they put a pressure on this one test. Take the test.

Take the test. Hit the dude in the mouth. You're already in the ring. Swing hard. Swing hard. Train for the fight. You're already in it. I can just tell you, somebody who got hired for that job already has the proficiency.

That's right. The talent to actually do it. So if you're not a good test taker, there's aids and all kinds of opportunities and people that will tutor you. There's so much help. Yes. Just ask for help. It's a choice and a decision. And study like your life depends on it.

You'll pass the test. Who cares if it's an A plus? Call us back when you pass the test. Oh, that'll be fun. Yeah, we'll cheer for you. All right, folks. We're just getting started. What do you need to talk about?

Dr. John and not Dr. Ken are on the desk. This is The Ramsey Show. Thank you. Welcome back to the Ramsey Show. We're coming to you from our Nashville studios at our Ramsey Solutions World Headquarters. I am Ken Coleman, joined by my colleague, Dr. John Deloney. And we are taking your calls, 888-825-5225. 888-825-5225. Let's go to Baltimore, Maryland, where Chase joins us on the line. Chase, how can we help?

Hi. So I'm in high school. I'm 16 years old. I played for Mount Seagulls High School, and we're a national team in football. And I play wide receiver, and I have a very good chance to go to division one level and have a full ride scholarship to college but I just started a real estate business and I make about anywhere between 5 to 20k a month doing real estate and my father did his business and he scaled it up to a million dollars a year and I know I can do that but I don't I don't have

the time to effort because I only work about two days a week so I want to see where you guys are paying on this whole situation should be my opinion is based on your answers young man congratulations first of all on what you've been able to do that hold on so you're working about eight days a month and you're making twenty thousand dollars five to twenty thousand yeah I work Mondays and Wednesdays, so the other days I don't go to school. I work maybe three hours a day. Yeah. So, Chase, do you want to play Division I football?

Yeah. That's been a dream since I was young. And what's the dream beyond that? Do you have a dream for the NFL? Yeah, I have a dream for the NFL, and I have a dream for real estate as well. Yeah, but here's the deal. Here's the deal.

You don't have to choose between the two. What if I told you you could pursue both dreams? That would be the best part. Okay, now here's the catch. You cannot pursue both dreams at the same pace. That's the catch. Do you understand what I mean by that? Yeah.

Sure you do. So here's the catch. Do you understand what I mean by that? Yeah. Sure you do. So here's the deal. You're already way ahead of so many young people. I mean, you're in the top, like,.2% of young people in the country as far as just making income while being in high school. You can continue to grow that business. Your dad's got great expertise, as you have laid out. You can hire some really good people to continue to grow that. But if your dream is to play Division I football, you need to go for that.

And if you want to take a shot, if your health stays and you've got the prospects and you get to the point where you're an actual prospect, go for it. Because if the NFL doesn't come calling, you've got not a fallback plan. You've got another dream waiting on you. So I say you pursue both, but understand you're going to have to be patient on the real estate thing because you cannot grow it to the level you want to grow it to until you can go full-time at it. But both of those dreams are – you're running at both of those just different paces. John?

Yeah, man, if you have the opportunity to go, go play football, man. I look at it as, Ken, tell me if I'm wrong here. I look at it as a scale, if you will. You can't get to be 27 and say, man, I'm really done with this real estate dream. It's time for me to go to college and play football. That does not happen very often. You can't flip it that way. You can get through your sophomore year of college

and realize I don't like the pressure of D1 football. It's a lot. This is a full-time job. It's a life. I don't like it. I'm going to roll out of here and go sell houses. You can do that, right? Absolutely.

One of those things you have to do now or you're cashing it out, the other will continue to be with you as long as you go. And man i i say double down and here's the thing enjoy your life you're 16 man yeah you're 16 real estate's not going anywhere yeah and chase here's the other thing i think you trying to grow this thing while being a full-time student athlete i think it's going to make you a better business person for the day when you actually retire from sports, whether that's in college if an injury happens, which could happen,

or you go, it's not for me, and I'm tired of the two-a-days and all this stuff. I think if you grow this thing as a part-timer to the point that you already have it, if you can keep doing it, it's going to make you better because you figured out how to grow it on a scaled part-time basis.

And you want to talk about repeatable principles that you're going to be able to do. Man, I think you're in great shape. So go play football. Yeah, and enjoy high school. Go play football. See what happens. Absolutely. 888-825-5225 is the number to jump in on the conversation.

Dr. John Taloni is my colleague with me this hour. I'm Ken Coleman. Justin's up next in Chattanooga, Tennessee. Justin, how can we help? Yeah, so I was actually just hoping to get some kind of career advice. All right. What's the question? Well, right now I'm just a general laborer, basically.

I mean, I work in a factory. But I want to get into the tech industry in some way, form, or fashion to make more money and to be more fulfilled. And so I was just wondering if you had any advice about how I could go about doing that. Absolutely. Because I don't know if I should go to school because I'm 28 or if I should do something online or how to do that. Okay. So what we first start with, Justin, is what is the type of tech work we want to do? We don't have to be exactly sure, but we want a ballpark idea.

Do you have a couple of ideas or one clear winner in your mind when you think of this is the tech job that I would like to get into? Well, I do want to get into development. So like making websites, phone apps, video games, that stuff. Okay, so here's what you do. So you're clear, so now we want to focus on what's it take to get qualified. And the general assumption, which I know that you've got an open mind, is that, well, I've got to go to four-year school. No, you do not.

Not to be a developer. And so what you've got to do is you've got to go a little deeper than my general knowledge, but to be a developer, there are certain skills, and then there are certain certifications and things like that that you need. Are you aware of that? I am. I'm just not sure. I mean, there's so many out there. I'm not sure which ones would be the good ones to get,

and they're all expensive, so I just don't know which ones to focus on. Okay, so what you need to do is, I love this, and what you want to do is just start to talk to developers. In Chattanooga, Tennessee, do you know anybody who's actually a developer? I do not, and I've been trying to find someone to talk to. I just also don't know how to go about actually finding those people. Well, I'm telling you. So what you need to do is you personally have just said,

I don't know anybody that's a developer. So what you need to do is you think of all of your friends and family in the Chattanooga area. Then you start thinking of all the acquaintances you have, including coworkers. And you talk to everybody you come in contact with. You know what? Maybe the butcher that you get your meat from. Hey, you know anybody that's a developer? Because this is what the process is. You don't start with the butcher, John i'm making the point you're gonna get to the book you're gonna find a developer and then you say hey would you make a connection for us and just say look uh my guy justin here he just wants to pick your brain uh wants to be a developer and wants to get your insight knowledge most people are

going to be willing to do that because they feel valuable by doing that and so that's the beginning of what i wrote in the book the proximity principle which says in order to do what justin wants to do that because they feel valuable by doing that. And so that's the beginning of what I wrote in the book, The Proximity Principle, which says in order to do what Justin wants to do, he's got to be around people that are doing it, developers. He's got to be in places where development is happening. So even if you know somebody, Justin, who works in a company that employs developers, call that person. They're your good friend. And then say, hey, would you ask them if I could shadow them for a day? Now, Justin, do you know anybody that works in a company that has employees that are developers?

Not to my knowledge, no. The answer is yes, you do. Yes, you do. You just haven't started this process. So don't make this so difficult. Literally, you're talking to everybody that you know. Now, here's one other thing I want you to do. I want you to go to BethelTech.net. They are a partner of the Ken Coleman Show. They are training people in a nine-month period online. You don't have to go

anywhere. You can do it at home. And Ramsey Solutions listeners, they get a discount because they're paying cash. You can cash flow your way through this. They have a nine-month program. It's less than $15,000, and they can get you qualified. They place you. Making $75,000, just getting started within a couple years as a developer, you're going to make six figures. That's just one option. I'm not telling you they're the only option, but there are other organizations like that. Go do your homework. All you got to do is search. And those type of options, like Bethel Tech, it's BethelTech.net slash Ken, if you want to just talk to them. Do your homework. Talk to them. Are they the right fit? Or is there another school like that that will do this all online, pay as you go,

and they're going to get you equipped. They can tell you what you need as well. So talk to real developers. Get their take. Get three or four of them, those opinions like in a bucket. Talk to Bethel Tech. Talk to other organizations locally. There's probably some in Tennessee, John. Just do your homework. Ask lots of questions. And just like we tell people for our Smart Investor Pros, go with the one that feels right, the best fit.

And Justin, you can get there. And you will. Start today. Alright. Great hour, John. Always fun. And also with you. Thank you, sir. To our producer, James Childs, our associate producer and call screener, Kelly Dean. Thank you all very much, but mostly thank you folks for listening. This is the Ramsey advice in their life? Let them know about the Ramsey Call of the Day podcast.

It's a quick hit of advice about life and money in under 10 minutes. Check out the Ramsey Call of the Day podcast wherever you listen to podcasts.