The Ramsey Show - App - I Took a Trip to "I Deserve" Island

Episode Date: April 25, 2022

Dave Ramsey & Dr. John Delony discuss: • Using gift money to pay off debt, • How to support an overwhelmed younger sibling, • Whether or not you should buy life insurance if you don't have income. Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6  

🎵 Live from the headquarters of Ramsey Solutions, it's the Ramsey Show, where debt is dumb, cash is king, and the paid-off home mortgage has taken the place of the BMW as the status symbol of choice. I'm Dave Ramsey, your host. Thank you for joining us, America. Dr. John Deloney, Ramsey personality, is my co-host today. Open phones at 888-825-5225. That's 888-825-5225. We'll take calls from you because we help people build wealth, do work that they love,

and create real relationships. By the way, that's done in the middle of a fake world, so there you go. It's God's and Grandma's ways of living your life. Again, free call, 888-825-5225. Devin is with us in Montana. Hi, Devin. Welcome to The Ramsey Show. Hi, Dave. Hi, Dr. John. Thank you guys for taking my call. How are you today? Better than we deserve. What's up? So back in early 2018, my grandparents had run into some money and they decided to give it to a lot of the grandkids. I was given $3,000, but attached with it, he wanted it to be used. My grandpa wanted it to be, well, both my grandparents, for education or investment only. I chose to invest it in some ETFs, which have grown about 50% since then.

But so my wife and I, we have started our debt-free journey at the beginning of this month, and we're already in baby step two. And I'm wondering if I should use this money towards paying off the debt, but I'm kind of torn because I feel like I'd be betraying the reason that I was given this money for. So I was curious on your opinion about it. When you get out of debt, what is your plan for money? Well, our first plan is obviously to build an emergency fund three to six months. Then what is your plan for money? Well, I would like to eventually start a family with my wife and move to a larger house.

Okay. You're going to follow the baby steps and start investing 15% of your income into retirement? Yes. And then when you're 100% debt-free, you're going to follow what we've been teaching around here, which is unbelievable generosity and continuing to invest? Mm-hmm. Okay. So are you not investing the money then well you're going around the barn to get there but my point is your most powerful wealth building

tool is not your grandfather's gift it is your income and by getting out of debt you're going to honor your grandfather's wishes because you're going to be an investor what your grandfather didn't want you to do is go buy something stupid right yeah and that's why it came with that stipulation yeah and what did he how long did he expect you to invest this for um you know he didn't really say yeah to never be used for anything ever to never use it when you never use it ever when you need it for anything to buy a house to do anything smart with he was just trying to keep you from doing some stupid butt something with it. My granddad passed away several years ago, but I guarantee you this. He's a World War II vet.

He was an engineer. He was meticulous. And if I had come to him and said, hey, I invested a gift you gave me for X number of years, it's grown to this, I'd like to use it to become debt-free. So that I can invest more. So that I can build wealth he would have hugged me right your grandpa would too dude yeah is your grandpa gone no he's still around okay all right yeah are we putting words in his mouth or not

uh no yeah so i mean you're listening if you want to take the money out and try and and cruise around the world and end up 25 years old and broke later i'm not going to tell you to do that and because your grandfather would wring your neck and so would i okay but that's not what we're discussing here we're talking about using the money to further your wealth building so that you can enjoy your life, be outrageously generous, and change your family tree, which was ultimately his intent. He was just trying to keep from doing something dumb. But, I mean, if you just go up and go, hey, I paid off all my debt,

and he thinks you're going to go right back in debt, he's going to think that was dumb. Right. So if you want to have a conversation with him, it wouldn't be too bad. How much debt do you have uh so we have about uh forty thousand dollars in debt what is this three thousand it's grown to about forty five hundred okay okay so you're not talking about cashing out a fifty thousand dollar plan either and paying off fifty thousand dollars worth of debt i mean you're not talking about cashing out a fifty thousand dollar plan either and paying off fifty thousand dollars worth of debt i mean you're talking about a small amount yeah just to kind of take a chunk out of it so um you know i i don't know how he'll react i have no idea but i'm

guessing this guy's just a common sense guy and he just didn't want you to do something stupid you're not doing something stupid very much as as long as you follow through on this, I think it's in the spirit of the gift. If you follow through and you're not consuming the money irresponsibly, instead you're using the money to invest, to ultimately become a better investor. But if you don't follow through on it, if you pay off the credit cards and then you turn around and run them back up again, I mean, he's going to box your ears and so will i and deservedly so right yeah or maybe maybe you make this the last 45 you pay off not the first 45 and it can be the you know the little

light here at the end of the tunnel yeah but i don't know it's okay to have a discussion with him about it um but um it's not his money anymore by the way yeah he gave that he gave uh he you're trying to be kind by honoring his intentions and that's good and i appreciate the honor that you have in that uh but you're under no obligation you can do whatever you want to do with it i mean you can go blow it i wouldn't recommend that but because i think you'd feel bad for the rest of your life about it so i inherited five thousand dollars from my grandmother when she passed away years and years and years and years ago. She had eight bazillion grandkids, and they sold the big farm, and we each got like $4,800 or something.

And I have no idea where it went. No idea. And so you don't want to live with that taste in your mouth the rest of your life, because I have to sit here and say that out loud because that's what really happened yeah and so you know in this case you know exactly what happened but the trick is that makes this an honorable move if you used it to pay off the debt is to follow all the way through and the net result is you're investing more and so but if if something short of happens, then you've not honored him, and that's not what we would advise you to do then.

So, good question. Thank you for joining us. It's a powerful thing, honor. Yeah, it's hard. Honor is a good thing. Yeah. And it's in short supply so when you can find a young guy like that particularly that is um concerned about honor that's a good thing it's the best thing yeah

if you if you say i'm a person who is honorable it will frame a lot of your daily actions and choices yeah it's a there's a beauty to it oh yeah there's a beauty to it. Oh, yeah. There's a beauty to it. This is The make any sense. Women make up half the workforce, contribute mightily to family incomes, and in many cases are the breadwinners and take care of their families 24 hours a day. This is one of the most overlooked areas when it comes to financial planning. Maybe it's a relic of the past, but a loss of income or the need to replace family care is equally important for women as it is for men. Single moms, working moms, and stay-at-home moms all need term life insurance. Rates are actually

lower for women, which is why I send you to Zander Insurance. They shop the top term life companies to find the lowest rates available. You can compare rates online at Zander.com or call 800-356-4282. This is something every family has to deal with. That's Zander.com or 800-356-4282. Dr. John Deloney, Ramsey Personality, best-selling author, host of the Dr. John Deloney Show, is my co-host today. You can purchase his new book, Own Your Past, Change Your Future. It's now available. Everyone needs to read it.

You can get it anywhere great books are sold, including RamseySolutions.com. Or if you happen to be in Dallas, you can see him in person. He'll be signing books, talking, and answering questions. And all this Wednesday, April the 27th at 6 p.m. at the Barnes & Noble at Prestonwood Town Center on Beltline Road. That's a great bookstore. I've signed books in there myself. Good folks there.

And you good folks at Dallas Turnout, let's have a bunch of folks there. See if you can beat Phoenix. Phoenix had a little over 100 folks there. So we're expecting 100 to 200 there in Dallas. And it's a party, so everybody come. It's going to be a blast. It's a party! Yeah, all right.

I love it. Hey, let me ask you a question when you think of a millionaire what kind of job do you picture them having some kind of high-powered executive like a vp or a ceo nope only 15 of millionaires actually have jobs like that the reality is the top five careers for millionaires in america are engineer accountant teacher manager and attorney that is one of the many surprising things our team found when we conducted the largest study of millionaires ever done. We talked to over 10,000 millionaires.

Our study made it clear that to become a millionaire, you've got to invest steadily and wisely, calmly. It's a big part of getting good investing advice. You need to work with an investing pro that can walk with you, talk you off the ledge, teach you, teach you, teach you about the options you choose. Our team recommends trustworthy, vetted investing pros from all over the country. We call them SmartVestor pros. To get in touch with one of our SmartVestor pros in your area, go to RamseySolutions.com slash SmartVestor,

and you can start building wealth today. RamseySolutions.com slash SmartVestor. Blinds.com gives us our question of the day. They're the number one online retailer of custom window coverings, free samples, free shipping, and new promos all the time. You'll save even more if you use the promo code RAMSEY. You'll get the best possible deal. All right, today's question comes from Christina in Houston.

Christina writes, my younger sister is 23 and works a part-time job at a mall. She's a college dropout, refuses to get a full-time job, and has a different dream job every day that she won't take any action on. She lives with our parents, pays no bills, and has maxed out credit cards. When I mention getting a full-time job while creating an action plan for her current dream, she says there's no time to work a full-time job cook work out hang out with her boyfriend and do these small steps towards her dream she has good intentions but often gets crippled at the overwhelming thought of juggling everything my parents tend to be enablers because

they don't want to make her mad and pushing her in the wrong direction how can i help her have the life that she wants? Unfortunately, older sister, I don't believe can because your younger sister continues to have parents that are funding and supporting and enabling this life. Reminds me of our friend Henry Cloud says, sounds like she needs to get some problems. She needs to get some challenges. She doesn't have enough problems. Her parents need to need to have her she doesn't have any bills she doesn't have any she is not dealing with reality here how can you help her have the life she wants to talk

your parents into kicking her out that's right setting some boundaries or you start paying rent in four months and this is what that's going to look like yeah because this girl's operating on a 13 year old mental emotional level it's 13-year-old emotional level, not a 23-year-old emotional level. She's a little girl that wants to do whatever she wants, and she's got princessitis, and mama needs to kick her out. Listen, baby, an eagle that doesn't leave the nest is eventually known as a turkey.

It's a problem. That may be the most Tennessee thing i've ever heard you say well i mean i like it though i like it yeah you gotta go man you gotta you gotta fly you do not emotionally develop the final steps of your emotional development into adulthood while living under your parents roof that's right not in america now there's other cultures where that's more standardized and there's a different process but the typical anglo-american idea and it's not to be cold and it's not to be mean or it's not to be any of that but you just when you pay your own light bill when there's no milk in the refrigerator unless you get your butt up off the couch go to

the grocery store and buy some milk with your money and put it in the refrigerator, something happens to you developmentally. It's called responsibility. And moms and dads, if you do not instill this in your kids, you are stealing from them. You are robbing from your kids. If you don't encourage them, not encourage them through, well, you know it would be good, but require them to have responsibilities, to do hard things, to get jobs, to participate in the function of your home. It gives them strength to go do life. It's amazing how often that doesn't happen.

We took our first kid to college. We spent the whole day moving her in. And it was a two and a half hour drive. And this is my oldest and it's my daughter. And so we cried almost halfway home, about an hour and 15 minutes. And by the time we got here, the sun had come out, and we were smiling. Life is good. We took the second one to college, Rachel.

Dropped her off in the dorm. We cried one exit. Nothing a Dairy Queen couldn't fix fix and then we got to the third one and we said college is that way exactly and we just helped him pack the truck and he left that's right have a great weekend man so because uh we were looking forward to empty nesting your mom and dad christina need to look forward to empty nesting. We love it. It's awesome. Yeah.

So, yeah, it's the natural evolution of life, and it is a – my point of telling that story on myself is to tell you the truth. The truth is that change from raising kids to releasing them is a painful change. Brutal. It's change. Brutal. It's hard. Brutal. And your mom and dad are being wusses by not turning. Your little sister is their security blanket.

They don't want to face their life when she's gone. Right. And they're couching all of this and being nice to her, and that's absolute bull. They're selfish. They need to release her. That may and that's absolute bull they're selfish they need to release her that that may be the best word they're selfish like they are choosing their momentary um she's their security that's right she's a the little shit i don't want this to be

over right that's it and it's not over it's just it's different that's right it's just different and so and let me tell you the different part is if she gets out there and marries the boyfriend, has babies, that's the awesome part. So let's do it. Grandbabies, I mean, they're awesome. I don't know how great grandbabies are going to be. I'd have been nicer to their parents. So, I mean, it's just, you know, there's a lot of stuff going on here. So bottom line is, Christina, you really can help her.

John's right. The only thing, the biggest help you could do is talk your parents into releasing her if you could convince your parents that they're harming her not blessing her which is actually the truth then you probably have done your job for the day and by the way christina um when when little sister finds out you have this conversation she's gonna be all mad at you and that's part of being a sister well that's part of loving her oh well z part of loving her didn't affect you one way or the other it's all for her her good good luck with that open phones at 888-825-5225 aaron is in utah i am a homemaker we have children

and more to come is it worth it to purchase life insurance for just my husband as a sole provider, or should we also purchase life insurance for me, although I do not bring in an income? No, but you bring in a ton of service. Let your husband be without you, and he will discover what Mary Poppins actually costs. She's somewhere around $40,000 to $50,000 a year right now, if you wanted the Parrothead umbrella and the whole deal. So, yeah, the chief cook and bottle washer, the tutor, the nanny, and the delivery service that delivers them all over town

for their various activities and processes. So, yeah, stay-at-home moms should have between $300,000 and $500,000 on them if you have small children at home. Because if something happens to you, your husband is going to lose a large portion of his income because he has to come home and take care of his family because he can't afford the help that you are now currently, the economic value that you are bringing to the household. That's just a true fact.

That's not just a stand for stay-at-home moms, but it's a fact. There's an economic value that's $40,000 to $50,000 a year. Thank you. In the lobby of Ramsey Solutions on the debt-free stage, Matthew and Jordan are with us. Hey, guys. How are you? Hey, we're great. Welcome. So good to have you guys. Where do you guys live?

Tucson, Arizona. Cool. Good to have you. How much debt have you paid off? We paid off $65,464.14. Love it. Wow. How long did this take you?

It took us 26 months. Good. And your range of income during that time? So we started at $99, and then at the end, with all our side hustles, we finished at $127. Excellent. Very cool. What kind of side hustles did you do? So I took up tutoring, and that was. Okay. Helping college students with essays.

What did that pay? So I charge $35 an hour. $35 an hour? Nice. Yeah. So I'm actually taking that more full time here after the honeymoon's over. So I'm really excited for it. Thank you.

Because college students writing essays is not a pretty picture. Oh, no. It's not. I'm so grateful you're in the universe. I should not have been reading my old papers listen just leave them alone leave me alone don't make good for you don't make this personal okay cool and jordan uh matthew i'm sorry what do you do for a living so um i'm an aircraft mechanic for the air force and uh i also for my side hustle it's not much of a hustle but i also coach coach high school swim. Oh, okay. So for my local high school. All right, cool. So when you're in Air Force, or is that mean you're in the Air Force? It's a bit of both. So I'm an Air Force reservist,

and then I'm a federal civilian during the week. So I work on the same planes with the same people, same uniform. It's just I get paid differently depending on the status. Gotcha. Okay, cool. Very cool. Great careers, man. This is awesome. What kind of debt was this? Well, it wasn't the debt. So I had $300 on my iPhone, $9,000 on my car, $21,000 for student loans for me. And then his truck was $31,000. Oh! That was a trip to Deserve Island before we started the Ramsey Plan.

A trip to what island? Deserve. Oh, I deserve island? Yeah. And then $3,800 on a credit card. It's true that it is an island, though. A deserted island. No, it was actually rather, it wasn't as fancy as I could have gone.

You thought you were playing it safe, right? Did you sell it or pay it off? No, I wound up paying it off. What is it? So it's just a Ram 1500. Just? Well, I've had a 93 Jeep Wrangler for most of my driving life, and I was always in the shop.

So my boss was like, please stop calling in for your broken down car and get a new car, please. Oh, whoa. Yeah, I'll be happy to do that when you pay the freaking payments. You can give me my financial advice. Okay. Wow. Look at you guys. Okay.

So you said honeymoon. How long have you been married? Six months. We also cash flowed our wedding during this time. Wow. Way to go. So you started this track on two side tracks and then you joined it in the middle and finished it.

Correct. Yeah. Very cool. So tell us the story what happened what got you started well the the biggest thing is um my mom has always followed the ramsey plan and uh was motivating me to it but i wasn't fully involved so you're a financial peace baby that went and bought a new truck yeah yeah okay my mom i don't get mom jacked up oh yeah you know i'm a dummy a little bit, you know. Oh, I'd jack her up, man.

I'm telling you, she's ready. So I had the Financial Peace videos, and we were trying to watch them, but we weren't getting into them sort of thing. And they were on DVD. And then when I proposed, my mom, as a gift, got us VIP tickets to one of their... Live events. One of your guys' live events with Anthony O'Neillill and chris hogan when they visited phoenix oh yeah and that spun her up real hard and i'm just like okay well yep okay we'll we'll do this that's fine now i got women on both side of me coming at me yeah

you ain't got a chance buddy no so that was that was a lot of fun and um like the only fight through the entire thing was at the very beginning of why are we planning a month budget after we've already went through the half the month because that was the live event was in the middle of the month oh yeah so we were like well we already spent most of our money for this month we had 14 left for groceries for the rest of the month whoa like so we're buying trash bags and stuff for grilled cheese sandwiches and that's what we're buying trash bags and Stuffer Girl cheese sandwiches, and that's what we're going to have for the next two weeks. There you go. Lots of sandwiches.

Wow, that's fantastic. You guys are fun. Congratulations. Thanks. Wow. I bet your mom is jumping up and down. All kidding aside, I bet she's happy. Definitely.

Yeah, very cool. How does it feel? It was a little unreal at first. Yeah. We actually were able to pay everything off just a little ahead schedule. I was able to have a reserve paycheck come in with additional orders and stuff like that. We were able to kind of put all of that towards it. And so we were just like, cool, we just hit it.

And then now what? And then it just disappeared from the account. We're like, okay, is that done then? Yeah, his truck was the last thing we paid off. And we were thinking, okay, it'll probably be like March, April. And we paid it off before Christmas. Whoa. Whoa.

Slam dunk. Yeah. Slam dunk. Good. Good for you guys. What do you tell people? Now you're pros. What do you tell them the key to getting out of debt is?

You really have to talk about the budget. And give yourself time because, like you said, take three months, figure out the budget. Me, I had so many subscriptions I forgot I had, and they would hit every three months or yearly, and I'd go, oh, no, and it was just a scramble to you know reconfigure the budget and after that three months it was it was actually really smooth sailing from there oh yeah so what kind of subscriptions did you have that were just bone stupid that you you look at and you go I can't believe I did that um I had like a meditation subscription app and I had you know like I was paying extra for Sephora to get free shipping and really unnecessary stuff okay really unnecessary all right there you go good I love

it that's good good for well everybody has them that's why you know you're not unique in that everybody has done that and that is one that does sneak up on folks and bust a budget that's a good point I'm glad you brought that up. Very, very cool. So what was your biggest disagreement you had? Let's see. I think it was when we were trimming down the subscriptions of like what streaming services are we actually going to go for and what families can we be able to share accounts with and stuff like that to make it all work out.

So, you know, and uh then just kind of went to we barely even used the the streaming apps once we finally were just working all the time when we got rid of our dish and yeah got rid of a bunch of stuff so what did you fill that time with doing crazy things like spending time together and going for walks and exercising and things yeah we did some of that but honestly this last year we've been working so much you know I work my 40 hour a week job and then I'd come home and I tutor for a couple of hours and he would do his full-time job and then go coach swim and then he'd have his reserve weekend so I'd have weekends to myself and I go okay i guess i'm gonna tutor some

more and uh you know we we have two dogs so you find out how much time we how much of our life we give away to those people on the screen who don't even know we're there just outsource it man yeah we give away a ton of our life to those people and uh just you know throw a brick through your tv you get amazing amounts of time back. Yes. Except you don't even have to break the TV to do it. You just unplug it. Well done, you guys.

We're very proud of you. Congratulations. Thank you. Very cool. Great way to start your lives. Great way to start your lives. All right, we have a copy of Baby Steps Millionaires for you and How Ordinary People Built Extraordinary Wealth, How You Can Too.

That's certainly the next chapter in your story brand new married learned how to work together got her done man very very cool also a copy of total money makeover for you to give away to somebody maybe you can stir up a ruckus in their life that'd be a good thing all right it's matthew in jordan tucson arizona 65 Matthew in Jordan, Tucson, Arizona. $65,000 paid off in 26 months, making $99,000 to $127,000. Count it down. Let's hear a debt-free scream. Three, two, one. We're debt-free!

Yeah! That's how you do it right there, ladies and gentlemen. Love it, love it, love it. Beautifully done. Beautifully done. I can't even wrap my head around how different my life would be in the positive. I was just getting started going into debt. Oh, me too.

I was just digging a hole. Oh, honey, we can make this one way deeper. This is the Ramsey Show. Thank you. Let's pray. Our scripture of the day, Psalm 27, For one thing I ask of the Lord, this is what I seek, that I may dwell in the house of the Lord all the days of my life, to gaze upon the beauty of the Lord, and to seek Him in His temple. Corrie ten Boom said, when a train goes through a tunnel

and it gets dark you don't throw away the ticket and jump off you sit still and trust the engineer oh that's classic i love it dr john deloney ram Personality, is my co-host today. Open phones at 888-825-5225. Dallas, Texas, mark your calendars. He'll be signing books this coming Wednesday, the 27th at 6 p.m. at the Barnes & Noble at Prestonwood Town Center on Beltline Road. Make sure you jump out there in Dallas and come see him. It's a great store, great opportunity. There will be a couple hundred folks probably there,

and he'll get the book signed really quick, answer questions for you, and be talking as well. You're going to learn a lot. AJ is with us. AJ is in Dallas, Texas. Hi, AJ. How are you? Better than I deserve, sir.

How are you doing? Just the same, sir. What's up? Well, sir, just some background information. I've been listening to you since I was two, and I am 21, about to turn 22. So you've been a great influence on my life. Thank you. Just a quick question.

My boss left three weeks ago from my current position, and we work in escrow. And I was supposed to go to the new company with her but uh legal action has been taken and i no longer have a viable option of going to a new company and my current position is kind of whoa whoa stop stop stop stop stop stop what are you talking about they start they put a cease and desist on her from stealing their employees? I can neither confirm nor deny that's what they told me. Who told you? Lawyers for the current company that I'm working at, sir.

I don't think they can put a gag order on you like that. I think they're trying to scare you. Okay, have you talked to the new company? Yes, they said they cannot offer me the position due to these legal actions being taken and because of that um my current position like i said is hanging on by a thread so i don't know if i should be scared uh all right so walk me through this for a second because this is so interesting so okay so your old boss left promised you a job at the new place. The new place said you can't come because of legal action,

and the place you work for now brought in their lawyers to meet with you at 21 years old and explain to you you cannot go to the new place because of the legal action. And you can't say a word to anybody about any of this? Yes, that's what I'm under the impression. Okay. Find you another job this week and leave this place. As fast as possible. Get away from these people. Yes, sir. That's what I was thinking. It's just, I mean, I have a move soon. I'm moving out of my apartment.

I was a college student. I'm moving into my apartment. I was a college student. I didn't say quit and be homeless. I said go find another job. How old are you? 21. Getting ready to turn 22. What do you make? $37,800.

You could find another job doing that. You have a college degree or not? That's a whole different story, sir. No, I do not. Okay. I do some family drama. How long have you been doing this? What now?

It's coming up on a year in July. Okay. You work for a real estate escrow company that closes real estate sales? Yes, sir. Okay. If you can't go to work for the same company that your boss went to, you can go to work for another one. You did not sign a non-compete when you went to work there.

I'll guarantee you you didn't. Did you? Yeah. Not that I'm aware of, sir. No, i went through my paperwork and i didn't see anything okay so something about the other guy stealing employees is what they're trying to shut down and so uh the poaching of that uh and and so you can you know if you don't go to work for another escrow company i don't care go to work for freaking uh target or walmart but go get a job in the next five days and get out of there.

These people are not good people. And, AJ, I'm going to speak into you a minute. Is that okay? Yes, sir. In this one phone call, I've heard you, as a 21-year-old, express in a couple of different ways that you're a victim and you're trapped and you're stuck. And I want to rattle you out of that you don't you don't have a college degree because you didn't finish a college degree you might have had family drama that contributed but you you haven't finished

a college degree you're getting you're a weird shakedown that neither day or i've never heard of before happening with your job cool i'm moving on i want you to have this be a moment where nobody's gonna own aj and aj is gonna make some life decisions financially you're not gonna owe anybody any money you may get a job making fifty thousand dollars a year if you start looking right now using techniques yeah get it you're not a victim you are a victor go get them man you know you see what i'm saying there's a totally different way to look at this you're going to drag me into your office and scare me with your lawyers, you're going to walk out the door. I don't need this.

I'm going to smile on the way out. Yeah. It's just, I think more so the reason I'm feeling so stressed is because I have a fiancee. We support each other. We're living together. And I'm in a deep hole, Dave. Because of the family drama, I screwed myself over. You know, I shot myself in the foot, took out loans that I shouldn't have taken out.

I had free tuition. But like I said, the family drama screwed me over. So I wasn't able to accept my FAFSA. No, it didn't screw you over. You chose in the middle of the family drama to make decisions that screwed you over. You screwed you over. Take ownership of it, man. No, for sure.

I signed my name on the dotted line. I totally understand that. It's not the family drama's fault. It's your fault. What do you owe, man? So here's the thing. All this stress that you have on you goes away if you find a job making $40,000 doing something else by the end of the week. And I'll bet you can, actually.

Would you agree with me that if you find a job making $40,000, all this other stuff that's bothering you, the debt, the fiancé, the apartment change, all this stuff, it's no longer a worry because you weren't worried about it before all this. Finding a job making $40,000 makes all this stress go away does it not aj yes sir to degree yes sir to degree well to the degree that it did before your boss left i mean if you were going to take the job over the other place all this stuff still would have been there you still got to change apartments you're still getting married you still got debt but that's just part you you got to fight through those things no matter where you are. But you called us about these crazy butt people that you work for.

And I'd be running out of there like my hair was on fire, man. Yeah. So go get a job. And as soon as you get a job, walk in and say, tell your lawyers I said stick it. And take off, man. I mean, you don't have to be that mean but that's just that's basically the message you threaten me with a lawyer i don't work here anymore that's easy done listen i have never tried to keep an employee by threatening one more the lawyer that's kind of

like that's probably just not good not good juice man it's not gonna get not gonna give them the result that they want because that just breeds loyalty every time i just really want to work so hard for this company because they threaten me with a lawyer. That's dumber than crap. That's the worst leadership I've heard in I don't know when. Stupid corporate America. And then to bring a 21-year-old and just sweat him out. Yeah, let's sweat the 21-year-old because we're obviously going to go out of business if he leaves. I mean, come on.

This is just ridiculous. Look how big and tough we are. Let's circle the – Yeah and at least if you have to let's say this say you have to bring the 21 year old in and explain here here's what's happening yeah here's this is the lawyers to do you're caught in the middle of a mess i'm sorry yeah and you're not gonna be able to take that other job because we're not gonna let the guy poach our company and so you you are stuck in that regard you may not want to work here and we're not going to let the guy poach our company. And so you are stuck in that regard. You may not want to work here, and we're not mad at you. You didn't do anything.

But anyway, so that's, yeah, go get another job, AJ. Hold on. We're going to give you a copy of Ken Coleman's book, From Paycheck to Purpose. And I'll give you a copy of the assessment to help you do that. And get on his site, KenColeman.com. Read everything you can about getting a job and go get one this week. Those $40,000 jobs are a lot easier to be had right now than they were a while back. And you need to get out of there, my friend.

You need to get out of there. And you own all this other stuff. It didn't happen to you. You're happening to it. That puts us out of the Ramsey Show and the books. We'll be back with you before you know it. In the meantime, remember, there's ultimately only one way to financial peace, and that's to walk daily with the Prince of Peace, Christ Jesus.

Hey, it's John Deloney, co-host of The Ramsey Show. Did you know over 18 million people listen to The Ramsey Show every week? A lot of those people listen on one of our 600 plus radio stations across the country. To find a station near you, go to ramseysolutions.com slash show.