The Ramsey Show - App - I'm Being Advised Not To Take a 2nd Job (Hour 1)

Episode Date: September 3, 2021

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Live Live from the headquarters of Ramsey Solutions, broadcasting from the Dollar Car Rental Studio, this is The Ramsey Show, where America hangs out to have a conversation about your money and your life. I'm John Deloney, joined with my good friend and best-selling author, Christy Wright. How are you? Hey, this is so fun. You and I haven't hosted together in a while. Have we ever hosted together? Yes.

We did? I think I blocked it out. Well, I don't actually know. I don't think we ever have. I'm so confident. I think you're imagining things. But listen, everyone wants to host with me, so you're right. Well, that's a fact.

That's actually not a fact at all. Hey, listen, give us a call at 888-825-5225. We have a packed house here. Everybody came to see Dave, and they got me and Christy, and we are excited to see it. You're welcome. Yes, that's right. 888-825-5225. Take your calls on life, on relationships, on mental health, on money, on anything you got.

And Kelly and the gang are standing by, and we are happy to see everybody. It's Friday. It's Friday. It is Friday. We're in a good mood. Who's not in a good mood when it's Friday? And it's beautiful outside here in Nashville. All right, let's go to Caitlin A. right down the street in Nashville.

Hey, Caitlin, what's going on? Hi, you guys are the perfect people to answer my questions. That's what I was thinking. I knew it. I love the start to this, Caitlin. Way to go, Caitlin. Awesome. Okay, so my question is, one, I just started my own cleaning business.

I quit my full-time job because I was making way more money doing a cleaning business in March. Way to go there. Thank you. It's doing really good. But I got a second job because we're just trying to get out of debt really fast. Not really fast, but like, well, yeah, really fast. And so I was talking to my therapist about it, and, like, she totally was, like, against it.

She's like, it's not good for your mental health. You always live in fight-or-flight mode. Like, it's not an emergency to get out of debt. Dave Ramsey just doesn't, like, care about your mental health, which I know is not true. And, like, so she was totally, like, against me getting a second job. And I got it at a gym, so it's not too hard. And it's my second week this week, and I'm really enjoying it.

And I got a lot of hours last week. And, like, I did the math on it. Like, we could be out of debt in, like, six to seven months completely. Why did your counselor tell you why did she why did she tell you not to get a second job there's something deeper than she just doesn't like dave yeah well she says because like um i just started working with her and i have like a lot of trauma in my um and she says that i constantly live in the back of my brain where it's like fight or flight and I make everything an emergency I

always try to fix everything for everyone and like she says I don't know how to relax and she sees it as being unhealthy and she's like hold on you're saying she is she she she she a lot is is the truth in what she said yeah like what she says is absolutely. Well, hang on a second. Hang on a second. So you are paying a therapist, paying a counselor to walk through some challenges in your life with you, right? And you're paying this person. You're walking alongside them, and they are giving you a professional recommendation to, yes, get a new job. You're doing it. You're getting it. But based on where you happen to be right now, I'm going to recommend you slow down a little bit.

Not because Dave's stupid. Not because of, you know, fill in the blank here. But I'm going to recommend you slow down. And so your first instinct is to run from that decision, right, or run from her recommendation or his recommendation to fight his or her recommendation, right? And that puts you right. It just validates what they're trying to tell you. Does that make sense? Yeah, and I was, like, trying.

Like, I mean, I want to listen to her. But you don't really want to listen to her? But it's just, like, to me, like, the debt, I feel like, is drowning me. Okay. And, like, it gives me, like, so to me, like, it makes sense to just work really hard for six months. And then I can enjoy the rest of my life. But like I see where she's coming from, but it's, I don't know, it's just really hard for me. So I just want to get out as fast as possible.

I got that. So there's two sides to this. Number one, if you get to the end of any finish line and you've burned out everything, that victory is hollow, right? You've just created another set of challenges. And the other side of it is maybe she doesn't fully understand. Maybe she doesn't fully get it. And so maybe it's a mix of both. I'm never going to tell you on a call on a radio show to, oh, your psychologist is an idiot. You shouldn't do that. No, don't do that, right? So I'm always going to tell you, if you're hiring a professional here and they're walking alongside you, listen to your counselor.

And at the same time, I think coming with some sort of, Christy, I'm thinking some sort of compromise here between her and her therapist. You're looking at me like I'm crazy. No, I just have questions. I'm so anxious to ask you. Ask them. Ask them. Okay. And I wanted questions. I'm so anxious to ask you. Ask them, ask them. Okay, and I wanted to make sure you were able to.

Yeah, so Caitlin, some sort of compromise here to go with your counselor and say, hey, I've decided to take this second job, and I want you to walk alongside me, and let's come up with a couple of benchmarks here that we're going to know I'm over my head, that I'm starting to spin out, I'm starting to get exhausted, I'm starting to fall back into some of these fight or flight things, some of my default addictions, those kind of things, and that you're going to give your counselor permission to call you out on it. There's one question I have in relation to Caitlin, and I think you're talking about this,

but at what point are you able to look at the fruit where one of the things I paid attention to that Caitlin said is like I really enjoy it. It's like I'm happy. It's where you can look at the fruit and go, okay, it's not causing the outcome that she said it could cause. And then I start to go, oh, if it starts causing that, then that's a red flag. Let me pull back on my hours or whatever. But if there's fruit that's positive, is that a point where you can go, oh, maybe this is,

like you said, more of a compromise? I'm curious about that in relation to Caitlin, but then I have another question. You can actually get addicted chemically to fighting and running. You can get addicted chemically to anxiety. So what that means is when things are a little bit calm and you spin everything up or you take another job and you say yes to another thing and yes to another thing, it can feel good in the moment, right? I see.

Like you are hitting that addiction. Like ding, ding. And it goes, ah, right? And same as when you have peace in your marriage, sometimes I just got to spin up a fight here because I need the conflict because that's what my body needs. I've never done that, John. I have no idea.

I was looking at Kelly, not you. I can't relate at all. Exactly. So some of us, and I'm talking about myself, who are addicted to the chaos, addicted to anxiety, the actual biochemistry of it, will spin it up, right?

Okay, I have a question, and it made me think of it when Caitlin was talking, but I think this is something that is so relevant for every person listening, certainly anyone that's ever been in counseling or ever planning to be in counseling. So at what point, because you make such a good point that you're hiring a professional for their professional opinion, but how do you discern in the moment that there is the possibility that they're wrong? And I say this, this john can i tell a crazy story you can tell anything you want i don't know if i'm gonna get in trouble for this they'll

edit it later or something if so i've never it's live but go ahead i've never told this story but this the reason i ask is because there are a lot of counselors and most are good and most are right and most are awesome and all that you're gonna have some right that maybe aren't or they just don't have the full context or they're you know they're going by the script or they're training and they're not considering the full picture or the client's not being honest or whatever so this is the crazy story matt and i when we were um dating and engaged we went to premarital counseling through someone that was um yeah totally through a counselor and someone that was recommended from recommended whatever we didn't know i mean we mean, we didn't have counselors at that point.

And she was fine. We'll come back to this in a minute. She was fine. But there was one thing she said that made me go, I don't think you're right. So we'll circle back to that. Ooh, cliffhanger. I can't wait to hear your answer on this. Cliffhanger in segment one right here.

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and we're taking your calls on relationships, on life, on business, on your money. 888-825-5225. And at the break, you were telling us, you asked me a question about when do you know that you are with the wrong counselor, right? Yeah, like how do you discern the possibility that they're wrong? And so my scenario is Matt and I were in premarital counseling, and this is when we were dating, and it was a referral from a referral or so on. And so Delaney says she met with us a couple times together,

and then she wanted to do a session with us each separately. And so in my session with her, we're talking about Matt and I's personalities and our, you know, just different things. And she looks at me, John, and she goes, it's not too late. You haven't walked down the aisle yet. Like she literally started advising me not to marry Matt and like, bless her. But like Matt and I don't have a perfect marriage, but he's the man for me. Like God created us for each, like, like we have a wonderful marriage.

So she was just wrong. She was just wrong there. And I felt it in my spirit. Because I was like, yeah, I'm going to not heed that advice. Because I just don't think you're on point. And so that's an extreme example. And I know it's ridiculous that our premarital counselor told us not to get married. We have a great marriage.

And I just feel like she just didn't get the memo from God that we actually were supposed to be married. But regardless of the situation where you have someone very well-meaning and very well-trained that's advising someone. And, of course, when you're the client, that can be hard. You're like, well, to your point, they're the professional. And so what about when they're not? What about when they're not? I mean, not professional, but not right maybe. It has to happen sometimes. Yeah, so there's a few things that i keep in mind one is like right when you said that i'm thinking of what a marriage a premarital counselor's advice is to give you all

some tools and some skills and then to enter into a relationship with you and oftentimes if you've never been to a counselor if you don't know what that is you think i'm gonna go some then listen and they're just gonna spit out some advice for me and that's not what that is what it is is practicing how to be in a relationship with somebody. And they'll ask you questions and make you think about things and give you assignments that you're going to work on at home and things. And so I'm thinking, if I was doing premarital counseling, I would say, hey, it's not too late.

And if your gut rises up and says, oh, for sure he is, then you know. And if you went home and thought, you're right, this isn't too late. She goes, why did you choose him? I go, because God told me. Whoa! no. And if you went home and thought, you're right, this isn't too late. She goes, why did you choose him? I go, because God told me. Whoa! Well, I guess we're done here. I'm going to tell my wife that because I think she's still wondering, what did I do?

But I think, to your point, the discernment process, if you're asked, if your counselor tells you to do something that is outside your moral bounds, obviously that's ridiculous. If somebody has listened to your story and says, I think a second job is too much for you right now. Yeah. I think this person's not for you.

Here's what I would do. I wouldn't fight the counselor. I'd go talk to somebody that I trust and say, hey, I'm meeting with a therapist. They gave me some wild advice. Gotcha. And use that as a relational leverage. If somebody misses the boat completely or tells you something stupid,

yeah, walk away. And my big thing is it's all about gut feeling. And because it's a relationship, if you walk in after a session or two or three, I always ask people to say three or four. I'm not clicking.

I don't trust you. It needs to be a good fit, yeah. I don't feel like I can fully just speak my mind here, my heart here, then you should go find somebody else. Well, I think it's relevant for people that are in counseling

and they're going, hey, is this advice on point, you know, in this example type of thing. I think if you're getting a lot of advice from a counselor, that's a problem. If you're getting what? A lot of advice from a counselor, right? It's going to be some recommendations and some assignments and some discussion.

Let's go to Ashley in Buffalo, New York. Hey, Ashley, what is going on? Hi. I'm kind of going to graduate college this year, and I'm really lucky. I was a computer science major in college. You're kind of going to graduate, or you for sure are? I'm definitely going to.

Stand up, Ashley. You are in Buffalo, New York, and you are going to graduate, right? Yes, sir. Yeah, good. Don't say sir. I'm not that old. Okay, so you are going to graduate, and? Yes, sir. Yeah, good. Don't say sir. I'm not that old. Okay, so you are going to graduate, and you're an IT major, right?

Yeah, like computer science. Yes. Yeah, IT is the way we said it back in the 1400s. You are. Computer science is the right way. Okay, so what's your question? How can I help? So the thing is that I'm really lucky.

I'm going gonna at least be making 90k a year because like that's the current offer i have i'm gonna have to like keep looking for other jobs but um my i'm really lucky like through financial aid scholarships and my parents i'm gonna graduate with no debt but um i kind of told my parents a long time ago you kind of told them or you did tell them um i did tell them. She's kind of done a lot of things. Yes. Okay. You told them?

That I would probably pay back whatever they paid for school for me, which should probably be around $50,000, depending on how much I make this year and how much I contribute with my part-time job. So I don't know if after graduation I should kind of go in the debt snowball first or if I should like do the emergency fund. I'm just kind of not sure. So number one, don't kind of do anything ever again. You are too smart and too, um, talented to kind of do things. Is that cool? Yeah.

Okay, good. All right. Here's the second thing. Do you know for sure? I couldn't tell. Do you owe your parents this money or not? Was this like a statement that an 18-year-old said, like, I'll pay you back? And they're like, oh, great. And they're counting on this money? Or are you going to sit down and have to, and they're going to say, no, you're not paying us back, but my brother's special needs, like very severely special needs, and they kind of don't have a lot of money for retirement, if that makes sense, and he's not going to college, so I kind of feel like the internal need to pay them back, if that makes sense. It makes sense.

And, Christy, I love your thoughts here. Ashley, my gut reaction is I would love for you to sit down with your mom and dad and say, I made a commitment to you guys. I told you I was going to pay you back. And what would this actually look like for us? It's not your responsibility to take care of your parents financially at this point. You're not,

you're, you haven't even graduated college yet. If they come to you at some point and say, Hey, we need help with your special needs brother. That's a whole other conversation here. But right now you have put yourself in the position of being their financial backup plan. And that's not your job, not your role. That's their responsibility.

What I would love to see you do is to sit down and clarify your financial role with them. And then begin going through paying off any debts you have. You graduate debt-free. That's incredible. And now you're going to take this awesome salary because you're talented and brilliant. And then you're going to be off to the races. Yeah, I think clear communication with your parents, Ashley, is going to be huge.

So you just sit down and say, hey, I really want to do this. I'm going to create a budget that allows me to live on half of what I'm making. And I'm going to pay you guys back super fast. It's something I want to do. I know I don't have to do it, but I want to do it if you do. and you guys get on the same page and just

you clearly communicate that. The other thing I know we joked with you, Ashley, but seriously, I want you to practice not saying kind of because when you say kind of you sound young and insecure and you're not insecure and you will instantly project more confidence that will then become real confidence when you take out weak words i i talk to women about this all the time it's not just kind of it's also i mean i just so i'm sorry i have a question when we act pitiful it does something to our sense of self and so i want to help you um truly practice this it's just a habit you don't mean to we all say things we don't realize we do um but that's going to help you in the workforce and it's going to help you in life.

So work on practicing, catching yourself, taking out kind of, I mean, I just, you know, these weak words and it's going to help you build confidence and project that really intelligent young woman that's in there, which you are. I just want people to be able to see that. So I, that's my second assignment in addition to the money question, but I think you're going to do it. You're going to do great. All right, Gabrielle in Bangor, Maine. What's up, Gabrielle? Hi, I'm so nervous. So bear with me. Sorry. We're nervous too. We don't know what we're doing. So hey, how can we help? Yeah, so actually my dad just decided to take out a loan for his family business. He wants it to be a family business.

And I'm excited to do it with him, but I don't know if I should, but I'm not going to be doing it for like six months because he needs to get that set up on his own. He's that type of person. But he's not saying that I need to, but should I be helping him pay for the loan? Absolutely not. Okay. No, if your dad is running a business and he's deciding to take out a business loan. When you say you're helping him,

can you explain that? Are you an employee? Are you a partner? Are you a co-owner? Well, right now it would just be, I guess, an employee, but he wants to, in about six months, plan to do well enough where I can just leave my job and make way more money working with him. Yes.

You need to put in the arrangement that you're not paying this debt, regardless of your title or role, but make sure it's clear and it's on paper. And if you're going to become a partner to his business, you all have to be on the same business principles, following the same plans and have the same philosophies for how you're going to handle your money, right? No, this is not your debt to pay off. What in any shape, form or fashion right here on the range. Dave here.

We just launched a brand new listener survey. We want to know what you think about the show. You'll be entered to win a $100 Amazon gift card. No purchase necessary. Take the survey at RamseySolutions.com slash survey or text survey to 33 789 this is the ramsey show and we are back and we have two beautiful people standing on the debt free stage rob and jill from Marietta, Georgia. How are we doing?

Great. I'm assuming since you're standing on the so-named debt-free stage that you are debt-free. How much have you paid off? We have paid off $150,000. Wow. Way to go, you guys. Thank you. How long did it take you to pay this off?

It took us 30 months. So we started January of 2019 and finished about three months ago. Okay. 30 months. How much were you making pay this off? It took us 30 months. So we started January of 2019. Okay. And finished about three months ago. Okay. 30 months. How much were you making during this time? I started at $187 and ended at $214. Nice. What do you do for a living? So we're both nurses. I'm a nurse practitioner. Yep. She's a nurse practitioner. And he's a nurse. Yep. Awesome. I like how you said that right. Just so we all know. Yeah. She's smarter than me. There you go. There's a hierarchy here. We see it. We see it.

I stay in my place. So what in the world happened 30 months ago that y'all two said, we've got to do this now? Well, in October of 2018, a couple of things happened. We thought we were doing the right thing. Went and sat down with some friends. Some friends recommended a investment company goodwin investments um sat down with some guys there and they uh ended up being a smart investor pro and um they said you have an elephant in the room that you need to escort out before you can

invest you know nicely uh meaning our 150 000 of student loans and two cars. So before you can invest, we'd like for you to consider this plan. So they looked at you and said, we don't want your money until your life is clear. Yeah. And immediately I was sold on, you know, the company. I mean, they could have just, you know, we had a great income, obviously. So but he said, just consider this. I'm not saying no, but this is a plan and um you know i kind of sell the kool-aid as it were as a smart buster so um the other thing that

happens we sat down with our really good friends chris and amy um and uh they're they're smarter than us have they've seen a lot more life and they looked at our five almost six hundred dollar car payment and said this is a choice but um this is what we've done so uh it was just kind of a a moment and then in february of that same year we had had our first little girl so awesome all of a sudden you know you're looking at other reasons yeah so when y'all said i'm so curious when y'all sat down with this smart professor pro and they present this plan to you had y'all ever heard of the baby steps or dave ramsey or anything unfortunately i had okay well sometimes it can be one of those shocking things of like a life without debt i've never considered that and and usually it's a family or friend or someone that

kind of gives you their testimony and that is a word of mouth referral but to have it from a professional like just kind of in this quick meeting that kind of gives you their testimony, and that is a word-of-mouth referral. But to have it from a professional, like just kind of in this quick meeting, that's interesting that you guys were really receptive to it. That's really cool. Well, in 2002 to, let's see now, it would have been 2004 to 2006 with my church. We lived in Rome at the time, Rome, Georgia. We were introduced to this concept, but Dave was stupid because he was telling me to not take out student loans, and I was taking out student loans

to go to a private college. Right. So a lot of student loans. So obviously he was dumb. He did not know what he was talking about at all. It was not for us. We were an exception. So when he brought it up, I said,

wow, this is, again, you know, another wisdom piece from God. And Jill, right away, you were on board? Absolutely not. Hey, I love dishonesty right now. You're a nurse practitioner. You're going to drive what you want to drive. You're going to live what you want to live.

I make all this money. Why am I not buying this and doing what I want to do and going on this vacation? Buy a house. Why am I not? Buy a house. Yeah, buying a house. We've been living in the same tiny little house. So halfway through this journey, you have an almost two-year-old.

Then the world shuts down and looks at you two and says, help. Right. Walk us through how you kept going through that mayhem. You don't have a choice, right? That's your job. So you just keep going every day. You're like going to work, going, okay, here we are. Luckily, I mean, I work in an office, so it's not as bad.

But I do go to the hospital and i see all that and it's just crazy but you guys kept making a budget every month you kept doing it every month yeah who are your biggest cheerleaders so yeah shout out to chris and amy obviously that we mentioned them already brandon and kristin um our small group we're in a great small group been in for years um all of my friends, because people I work with, we constantly talk about our journey. It was kind of our way of, I guess, keeping us on track, talking about it. And obviously, I'm thankful for Jill. She was, I'm the nerd, I'm the spreadsheet guy.

She's the dreamer. So, just thankful for her for sticking with me. I didn't want to to but we did it yep yep we did it together what's what would you tell people just met you on the street what's the key to getting out of debt um well if you choose this plan uh you need to stay on it um you need to read the book um go through the nine-week class we did in person i'm not sure what that looks like now with um you know our world uh meeting in person but um'm not sure what that looks like now with our world meeting in person. But the podcast was huge for me,

listening to people's stories that had more debt and less money to work with. The podcast is what I lived and breathed. Remembering your why. Why you're doing it. Remembering our why. Our sitting in there. That's incredible.

So have you had a month yet where the check's deposited and you've got no bills? Yes. We've got a couple, I think. Yeah. And it's staggering. Both of y'all are smiling real quick for those who are listening. It's crazy.

Well, all of a sudden, you're like, what do I do with this extra money? Oh, yeah. 3A and 3B. Oh, wow. Yeah. We still rent. Okay. Very cool.

And so, hey, listen. We've got a copy of The Legacy Journey because that's your next step here. You're on the road to becoming everyday millionaires. And we're going to give you a copy of Total Money Maker so you can bless somebody else with it. You can give it to somebody who's just chit-chatting about their problems, and you can tell them about their elephant. And let's bring this beautiful, beautiful Lucy up. Lulu. Come here, boo-boo.

And how old is Lucy? Lucy's three and a half. Three and a half. She's been practicing. So we will here, boo-boo. And how old is Lucy? Lucy's three and a half. Three and a half. She's been practicing. So we will see if Lucy performs here. Yes. Right. So we've got Rob and Jill and beautiful Lucy from Marietta, Georgia, paid off $150,000

in 30 months, making about $187,000 to $214,000. And they are now debt-free. Rob and Jill, count it down. Say it with me,000 and they are now debt free. Rob and Jill, count it down. Say it with me, Lou. Three, two, one. We're debt free! Freedom!

Yeah! Yeah! Wow! That's amazing. That's really, really cool. That's a huge amount of debt, but it's just amazing where when you decide, when you decide, like we're sick and tired

of being sick and tired. We've been trying this. It hasn't worked. We've got to try something different. Man, you never look back once you stand where they're standing right now, where you feel the feeling

of not having those payments. So let's average this. Let's take $200,000. It's a great income. It's a great income. A little over over about two and a half years, right? $150,000. And so sometimes you fall into a trap, you make a good salary. You think, right, I deserve this car. I deserve a house that looks like this. It needs to be mine. And then I needed to add on to it and fill in the blank, fill in the blank. And man, Rob and Jill sucked it up for two years,

two and a half years. And that little girl, Lucy, man, she reminds me of my little girl. It's just, she's so precious. She's never going to know the $150,000 elephant in the middle of a living room, right? Nope. Because mom and dad said no.

And the decisions that they make in six months and six years and 16 years are going to be so different because there's no debt determining those decisions it's whatever decisions they want to make with the cash that they have and the freedom and that's what i want people to understand this is not just about money that we teach we're talking about your future your options when you've got money you've got options when you've got stuff you don't have any options that doesn't get you that doesn't get you anything when you have a spouse when you've got options. When you've got stuff, you don't have any options. That doesn't get you anything. When you have a spouse, when you've got a partner in life that you've gone through two and a half years of, we're just going to be weirdos. In the trenches.

And then you come to the other side and you've completed this incredible goal, then you think, we can do anything. Yeah. We can have to deal with mom and dad struggling. We can deal with economic issues. We can deal with, we've got to change churches. Whatever the thing that pops up in your life. We can deal with economic issues. We can deal with, we've got to change churches. Whatever the thing that pops up in your life.

Paying for Lucy's college. Whatever. There's just so many more options. College will be $11 million for Lucy. They could possibly have it by then. They could figure it out. That's right. I wish folks could understand.

Y'all listen to this on the podcast. There's something about being in here every time. And every time I think I see a little kid kid i see a couple that's made it i think back to my marriage i think back to my little kids i know you do the same and it's inspiring every single time yep uh people ask me about working here i tell them it's it's like working in a glitch in the matrix right you get to be re-inspired every time i come to work by amazing folks like robin jill little lucy she's doing laps on the stage right now this is so amazing guys thanks for blessing us thanks for blessing the country what an incredible journey guys we're talking to you

you have a hundred and fifty thousand dollar elephant in the middle of your living room you can make your change and you can start today. Start today. are you feeling overwhelmed or stretched too thin i've been there after being on all day at work at home and with my kids, I used to feel like I was running on empty too. And let's be honest, sometimes I still get there. We all do. Here's the deal. Balance is something that you can create in your life. You don't have to be overwhelmed by this elusive idea of balancing everything all the time perfectly. You can actually create your own version of balance. And that comes from doing the right things at the right time.

And the great news is you get to decide what's right for you. That's exactly why I created my new book, Take Back Your Time, The Guilt-Free Guide to Life Balance, which, by the way, is on pre-sale for one more week, which means you got one week to go ahead and get your copy. And then you get all the free bonus items. I was listening to them rattle off the bonus items. It's like, we're going to come roof your house and give you a swimming pool. It's incredible. Yes. Or just ebook, audio book. You get the ebook, you get the audio book, you get a ticket to my event on September 16th live stream here from Nashville. Me and Dave Ramsey are speaking. You also get access to a private Facebook community with me.

And so it's our way of saying thank you for getting your order in early. So you guys have got another week to do that. We will still ship it on launch day, which is September 14th. And when you do, you'll be helping us with our marketing, which we appreciate, which is why we give you those bonus items. Here's the thing, John. I have started seeing reviews come in, which is the greatest feeling as an author. Oh, yes, it's connecting. And what's really cool, I saw one today and the woman said, this book has allowed me to

take a deep breath. And I thought that was really cool because that's the heart behind it. This is not a book about how to do more. It's about how to do what's right for you and actually experience freedom in your life. And I think that's really powerful. So get your copy, take back your time. The Guilt-Free Guide to Life Balance. You've got one week to get your pre-order

and you get all the free stuff. I can't think of a book that is more timely and more needed in a season where, you know, was it gonna be two weeks to flattening the curve and now we're a year and a half later? Everyone's had to do everything and then there's industries have popped up telling you what everything's supposed to look like and there's the right way to do everything and to be able to get your hands on i love that piece right and we throw that word around a lot we don't know what

that actually means it means dropping your shoulders taking a breath well it's so foreign to us i mean we walk around all of us not just women not just parents you walk around with your shoulders taking a breath well it's so foreign to us i mean we walk around all of us not just women not just parents you walk around with your shoulders up by your ears your chest is tight all the time this is what you talk about with anxiety and man some of it is the culture and some of it is outside of our control but man some of it is within our control some of it is pressure we put on ourselves a lot of it is yeah just just helping people understand why they do what they do it's not the way i've been saying it lately is that this is not just about the calendar. It's about enjoying the life that the calendar represents. And I want to help you do that.

And so we've got to get to the root issue if we're going to fix it at the root level and not have it keep creeping up in the same way. I'm just so glad you wrote this book. That's such a needed thing. Good for you. Thanks, John. And high five to you. There's nothing more terrifying than putting a book out there and the reviews come in. I know.

It's like you're holding your breath. You're like, are they going to get it? Is it going to connect? And so, yeah, that's been fun to see the last few days. I thought that when we were out of elementary school, I would stop asking the question, do they like me? And still, do they like me? And there's millions of people right now that were just like, nope, we don't.

Nope. Thankfully, we never see that. Let's go toby in fairbanks hey abby in alaska what's going on um hi thanks for taking my call you betcha what's going on how can i help how can we um so so i'm taking the foundations class for high school the high school um and i'm just learning about like um different ways I can pay for college, and one of them is community. And I'm going into medical school, so I'm just wondering what my options are financially.

What's the best option? So what grade are you in now? I'm a senior. You're a senior in high school or college? High school. Senior in high school. And what do you're a senior in high school or college? High school. Senior in high school. And what do you want to do in medical school? I either want to be a PA or a nurse protectionist.

So you're thinking more nursing school, a program like that, versus medical school, which would be you want to go be a doctor or a surgeon or something like that. Yeah. So there's a number of different options. And I guess at the root of your call, you're asking, how in the world can you do nursing school debt-free, right? Yeah, yeah. So it starts on a foundation of a debt-free undergraduate degree, right?

You're going to make – that's going to be a commitment that you're going to make. I will not go into debt. That means I'm going to start at a community college if I have to. That means I'm going to go to in-state. I'm going to apply for every grant, every scholarship I can possibly. I'm going to make that a second and third job. I'm not going to go into debt for undergraduate. Then when you head into nursing school, there are several different options here.

Sometimes you can graduate and go work and get a bachelor's degree in nursing and go work, and you can work for bachelor's degree in nursing and go work. And you can work for a place that will put you through nursing school. I mean, to get your master's in nursing or in your PA degree, you can do that. You can work along the way and take night school and pay for it along the way. You can go work and be a nurse with a bachelor's degree for a few years and save up and do it. There's a number of different ways. I want you to focus your first next couple of years on making sure you graduate with your undergraduate degree debt-free.

And then begin researching places that are going to support you in your work. Right now, agency nursing has exploded. There's all over the place. You're going to have a million different options here. But I want you to focus. I want you to take the right steps in the right order. Yeah. The thing I would say, Abby, that I love that John's telling you, just think of this because you're thinking long-term and I love that. I love that you're thinking long-term. You will make different decisions now in your undergrad than you would because you know you want to go to this additional education. So for example, if I were you, I would try to get

as many scholarships as I can to pay for your undergrad so that when you work during undergrad, you're stockpiling that cash for your additional education. Whereas if you work to pay through school, which you can do, it's going to be hard to stockpile cash in addition to paying for your undergrad cash. You can do some combination of this, but I'll tell you, time spent looking for scholarships, which so many people get intimidated by, there's fascinating research on what you average per hour. Most people think, oh, I'm just going to sign my name to a loan because that's all I can do.

One guy I actually got to know and interviewed years ago, John, when I first started working for this company, he searched and searched and searched for scholarships and he averaged out afterwards the amount of hours he spent searching for scholarships and the amount of money he made and he averaged $900 an hour. Wow. There's not a part of my job in the world that will pay you that. So it's worth the work to search and apply and search and apply and write essays. Abby, do that. I would do that as much as you can for undergrad and certainly for your additional education, but start there. And then

when you work during undergrad, you get to keep all that money for the most part. And I want to add that if you can, Abby, get a job at a local hospital, get a job at a local, at a blood bank, someplace where you can be around the profession because they're going to also have different, they're going to have insider information on, oh, that nursing school helps you this way. This job will pay for your master's degree. So start now, have four years of working in the medical profession

and make sure you get out debt-free. And then the other avenues are going to begin to open up, especially if you put in the time. You'll learn more about what you want to do by being a realtor. That's exactly right. And you may go in for a year and be like, whoa, I'm not doing this.

I'm going to do something else. That's right. All right, let's go to BK in for a year and be like, whoa, I'm not doing this. I'm going to do something else. That's right. Alright, let's go to BK in Calgary. Hey, BK, we're up against the clock, so get right to your question. Hi. Hi, both of you. My story is pretty magical, and the magic

was brought by Steve Ramsey. I started listening to him back in 2013. I paid off about $150,000 in about 38 months back then. But then life happened. We moved to Canada. I got a baby boy and did medical expenses and everything. We were debt-free at the time.

We wiped out our savings and got about $7,000 in credit card debt. I'm working multiple jobs to pay off. Good deal, man. By the end of this month, maximum. ABK, we're right up against the clock, so get right to your question. Yeah, there we go. Thank you. You guys, I'm actually also trapping an e-commerce company on the side.

I started with $2,000. It's roughly about $8,000. It's just my savings that I'm trying to build up the company with, not trying to borrow. I've got about $47,000 in consumer debt, out of which 42 is a car, which I need for my jobs and other things that I do. So here's the thing, brother. Number one, you don't need a $42,000 car. You need to sell your car and get out of debt. Sell your car and get out of debt sell your car and get out of debt and if your question is should you pay off your consumer debt before you start

funding a hobby a side business what's the answer yes yes pay your debts off start this side hustle debt free right and never go back into debt again b BK. You know better. Life happened. You can do it. This has been The Ramsey Show. Dave here. We just launched a brand new listener survey. We want to know what you think about the show. You'll be entered to win a $100 Amazon gift card.

No purchase necessary. Take the survey at ramseysolutions.com slash survey or text survey to 33789.