The Ramsey Show - App - I'm Not Passionate About the Business I Started (Hour 3)

Episode Date: September 2, 2021

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Thank you. Live from the headquarters of Ramsey Solutions, broadcasting from the Dollar Car Rental Studios, it's the Ramsey Show. Where debt is dumb, cash is king. The paid-off home mortgage has taken the place of the BMW as the status symbol of choice. Dr. John Deloney, Ramsey Personality, is my co-host today. We're talking about your life and your money. Dr. Deloney on his show talks about all kinds of relationship things, mental health issues of all kinds, boundary issues of all kinds. And we weave those into the Ramsey Show when he's along with us, and sometimes do when he's not and we just reference him so we're glad he's here today open phones at 888-825-5225 that's 888-825-5225 Curtis is with us Curtis is in Lexington Kentucky

hi Curtis welcome to the Ramsey Show. Thank you, Dave. What's up? Well, I got a question. Like you tell many other people, I think I know what you're going to say, but I wanted to ask anyway. I've got $20,000 worth of credit card debt, and it's charging me around 24% interest. And so I was wondering if I was thinking about refinancing my house because I can save 2% on my mortgage and doing a cash out to pay off the credit card or do a HELOC,

which would be around 7% or 8% and pay off the credit card and pay off the HELOC faster than I'm going to do paying minimum payments on the credit card. What's your household income? About $45,000 to $50,000. Do you have any money? No, sir. I got about $500. How old are you?

65. 65. Okay. All right. Well, the problem is that the credit card debt is the symptom of other things going on, and if you paid it off really, really fast, the interest doesn't matter much. It's going to be tough to pay it off really, really fast. You work in 40 hours? Do you work 40 hours a week?

Yes, sir. Okay. What do you do? hours a week yes sir okay what do you do i'm i'm in transportation okay all right are you married yes sir and does she work no sir how come she's on disability oh okay so your household income with you in transportation and her disability payments is a total of $45,000? Yes, sir. Okay. All right. Cool. Well, obviously the credit card debt is due to overspending. Can we agree on that? Agreed. Okay.

Credit cards have been cut up. That's good. Good first step. Well done, sir. All right. And so then the trick is to get rid of them as fast as possible. You really can't borrow your way out of debt. You're just moving it around. And so you're right. I'm going to tell you not to move it over onto your mortgage. But that's going to entail that you guys really cut your budget to the bone

and do anything you can to create some extra income. And let's get those credit cards paid off very, very quickly. See, the interest rate isn't the problem. It's the debt. We've got to get rid of the debt. That's what's killing you, and then the interest is attached to that. If you want to refinance your mortgage in the meantime and lower your interest rate 2% if you're going to keep the house,

that's a wise thing to do. But, no, I would not recommend a cash out because I don't want you to move credit card debt where you bought a stake you couldn't afford, and now you've financed it 30 years over on the house. And that's what credit card debt is. I mean, it was crap you bought at Target, and now it's financed 30 years over at the house. Or it's something else, you know, repair on the car, and now it's financed 30 years over on the house.

And so it just sticks in my throat, and I can't tell you to do that. I don't think it's wise long term. Short term, it feels pretty good. And you're're right it does get rid of a high interest rate but i i really really really want you to do something to get your income up your out go down and slam that credit card debt and say hey sometime in the next uh 18 to 24 months it's going to be gone that means 10 000 bucks a year extra coming from somewhere part-time job something and uh attacking that and and forcing it and getting rid of it but i'm proud of you for cutting up those cars that's a big first step and um uh since i'm in the old dog club too i can say this it's it's tough for

us old dogs to learn new tricks i'm proud of you for doing that and can i tell you um i just for some encouragement here i've watched my my dad's 70 and i watched him transition a couple of different positions over the last few years and he's found something that he just absolutely loves about two years ago and so still within the same basic um realm of his expertise but i want to encourage curtis it may feel like i'm 65 no one's gonna hire me i can't do anything else as i'm just stuck doing this thing that may or may not be true depending on where you live and what you want to do and what you're willing to invest to learn something new and i've watched my old man do it it's pretty neat curtis i think you can do it and

like dave said um there may be some late nights of driving and driving on top of driving but just get this stuff out of your life and you're going to stand six inches taller when this thing's over. Yeah, it changes everything for you. Holler at us any time, brother, if we can help. Sydney is in San Diego. Hi, Sydney. How are you? Dave, how's it going?

Great. How can we help? Okay. Well, first of all, we love you. We're debt free. And all because of you. We just love you so much. But we're wondering, so Disneyland is back open.

And we are wondering if it's okay for us to make monthly payments on our Disney passes just because we're thinking if California shuts down again, will we be out of our money for the passes? Oh, so you want to buy season passes to Disneyland? Correct. They have a monthly plan or an annual plan? Yes, and it's an interest-free plan. So if you quit paying the monthly does the past just stop correct okay well that's just like you're buying anything else

then that's more of a subscription than it is a debt okay so i mean you can stop by if you bought put cable tv in your house and you decide you didn't want it anymore, you stop doing it. Right? Okay. And you don't have the bill anymore. And that's what this is. What's the difference between the annual plan and the monthly plan? Well, the annual plan is $650 up front.

And then the monthly plan is $40 a month for 12 months. So the monthly plan is cheaper by $200? Something's wrong. Well, it's – I'm on my way to right now. 40 times 12 is $480. $480 is less than $650. They're charging you less for the monthly plan. Oh, you know what? I think that you also have to make a down payment when you first sign up for the plan.

The monthly plan. Okay. That's probably equal to the difference. Just do the math because you may find out that it's five months is going to pay for the annual plan. And I understand not wanting to have them holding your money um if they have if california shuts down again but yeah do the math on it yeah make sure you gotta have the other piece of this what's the down payment if the down payment's 400 now you got 880 bucks versus 650 that's not interest-free darling you know that's just a different price plan where they made you wish you'd paid interest. That's right.

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Our term life calculator makes it easy for you to find the right policy. It shows you how much coverage you need. It takes less than five minutes to get your numbers, and here's what to expect. First, answer a few questions to give us a snapshot of your life situation. Our free calculator will then tell you how much coverage you need, about 10 to 12 times your annual income, and how long you need to keep the insurance. That's the term. And then you'll be able to compare rates and select the best policy at Zander Insurance, our Ramsey-trusted partner.

They'll shop over a dozen top insurance carriers, find you the best deal. It's that easy. To get your results, text TERMLIFE to 33789. We'll make all this happen for you for free. That's TERMLIFE at 33789. Chris is with us. Chris is in San Antonio, Texas. Hi, Chris.

How are you? Hey, Dave. How are you doing today? Better than I deserve. What's up? I can echo that certainly um so i've been hearing a lot of your um advice about life insurance policies and that's something top of mind right now i just turned 50 years old so that's really a benchmark moment in my life

and now that i have someone in my life, I don't think I'm saying the most. Uh-oh. We missed you. Where'd you go, Chris? Are you going to come back? You wandered off. Chris? Chris? I'm going to put you on hold.

Kelly will pick up, see if we can get you plugged back in, brother. All right. Travis is in Hopkinsville, Kentucky. Hi, Travis. How are you? Good. How are you, Mr. Dave and Mr. John? Better than weville, Kentucky. Hi, Travis, how are you? Good, how are you, Mr. Dave and Mr. John? Better than we deserve, sir.

What's up? Well, I'm just wondering. I've got going through a little divorce now. She woke up one day and told me she didn't want me anymore, didn't want to be with me after almost three years. I'm sorry, two. Got married in 2019. Well, I've got a little student loan and a little truck loan, gym membership, and student loan is $185 a month. Truck loan is about

$375 a month, gym membership at $20 a month, and I make about $16 an hour with no benefits, a little bit of OT. And my question is, should I buy the house that I'm living, that me and my wife are living in now from my mother at roughly $130,000 or should me and my mother, because it's her house, continue to split the payments of about $300 a month. Your mother doesn't live there, right? Correct. She lives on the other side of Nashville, about two and a half hours away. Okay. And what is the house worth?

My mother's told me she's had offers right now of $160 160, just as it sits without anybody coming inside and looking at it. But that's just what people would offer her. That's not an actual agent or an appraiser. How old are you, sir? I'm 27. I'll be 28 December. Well, sounds like you've had a hard year, sir. I'm sorry.

Yes, sir. I'm sorry. Yes, sir. What I would have you to do before you buy a home from anyone, your mother or anybody else, is to become debt-free and have an emergency fund in place. Correct. So that means we need to clean up. The gym membership is a membership. That's not a debt. But the rest of it is that we need to

clean up and um if you can't get ot at this place you maybe need to look for some ot somewhere else uh the second second and i'm as soon as i get off the phone with you i'm headed to my side hustle to mow yards okay good well you're not afraid of hard work that's for sure no sir and um so the the on the career side of things the next question you start asking yourself is I'm 27, and I make $30,000, $35,000 a year. So what am I going to be doing when I'm 37 that pays double that? And what steps have I got to take to get there? Those are Ken Coleman-type questions if you've ever listened to him.

And so to develop a long-term career path that gets you up and beyond where you are. There is no shame in where you are at all. You're not afraid of hard work. You work hard for the money that you got. I'm proud of you for doing all that. But I don't want you doing the exact same thing, making the exact same money 10 years from now. Do you? No, sir. Okay okay so what is your plan

what are you going to be when you grow up so to speak well i actually um just quit my job about a month ago um and now i'm doing i follow ken coleman and i did jump out on a limb and started my career path i'm the assistant golf course superintendent at a local golf course here and looking to move up to the head superintendent i like it okay you're way ahead of me then all right i'll step back then and let you and ken run that path you're doing a good job with it well done thank you all right yeah let's hold off on buying the house till you're debt free and have an emergency fund in place and that is also going to give you the side benefit of giving your hearts your broken hearts

some time to heal. Travis, something we do when somebody pulls the carpet out from under us is we start trying to grab for stability. And it feels like buying mom's house is going to give you a foundation. Right. And it's not. It's going to be another albatross on your neck right now because you can't afford it. Okay. Because I've lived here for 25 years, and this is where i grew up as a kid no i got you there's your heart your heart is looking for a place that's going to receive it back right yes sir what i want you

to do is stop looking at truck payment stop looking at other payment find out how much you owe and get out of debt and let that be where you begin to get stability get stability in taking steps after step after step towards a whole guy. Don't try to look into your past and try to recreate something you've had. And your mom may say, well, then forget you. I'm going to sell the house. If that's what she chooses to do, that's what she chooses to do. Go rent a one-bedroom apartment while you climb out of this mess.

But you can get there, man. Exactly. So here's, okay, so Ken is giving you a path to run on, and John just gave you some really important words there. The old joke is that broke people tell you how much the payments are, rich people tell you how much debt they got. Right. You know, how much down, how much a month, that's the broke people talk.

How much is what rich people ask. And so not how much debt they've got, but how much, that's what they say. Not how much down, how much is what rich people ask. And so not how much debt they've got, but how much. That's what they say. Not how much down, how much a month. So quit thinking of your debt in terms of payments. Start thinking of it as I have this much car debt, I have this much student loan debt, and I've got to get rid of it. You may have to sell your truck.

I mean, do what you've got to do, brother. Get out of debt and find that stability walking forward. Yeah, and the beautiful thing about that is it gives you something to focus on while your heart is healing that's right and uh and you don't have to buy a house right now uh so that house will be there you're gonna get all this done probably in a year and a half two years and then you'll buy the house from your mom's probably what's going to happen uh or you may decide you don't want to live there. That's okay, too, by the way. Open phones at 888-825-5225. Scott is in Las Vegas.

Hey, Scott, welcome to the Ramsey Show. How are you doing? I just want to thank you, first of all, for your plan and your teachings on goals because between being debt-free as of today, I've lost 54 pounds, I've lost 54 pounds and we're talking about that in the last, but my question is, uh, right at the moment I am uninsurable. Um, and through my current job, I have a life insurance, approximately 210,000. And I want to know, like, what, if I'm looking to change jobs to get more income, how much of a salary increase would it be worth to make the change? So why are you uninsurable?

I had a heart attack four years ago, and I've had a couple different, you know, they've done some stents two other times since then. Okay. And I'm obese. Not as much as you were. Yeah, you're down 50 pounds, brother. So you're on your way to solving this long term. That's right.

Short term, you need the coverages. There's not enough income to just say oh the family will be okay if i die uh i gave up you know two three times my salary so uh i'd want to make a lot more if i changed in this short term in this short term it's not going to take care of them if you die but i'd want to make a lot more because you start to look at some policies that are going to be rated, but you can get them, and that's in your near-term future. 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 co-host today in the lobby of Ramsey Solutions on the debt-free stage. Ethan and Taylor are with us. Hey, guys. How are you? Hey, Dave. Better than we deserve.

How are you? Better than we deserve. Welcome. Where do you guys live? We live close to Wilmington, Delaware. Oh, yeah? Okay, cool. Welcome to Nashville. How much debt have you guys live? We live close to Wilmington, Delaware. Oh, yeah? Okay, cool. Welcome to Nashville.

How much debt have you paid off? $46,000. $46,000. How long did that take? About seven months. Wow. Whoa! And your range of income during that time?

Started around 73, ended around 76. Cool. What do you all do for a living? I'm an engineer. And I'm a stay-at-home dad. And also, he did some door dashing, too. Okay, cool. What kind of debt was the $46,000?

It was two cars, some student loans, and some phones. Wow. Okay, so tell us about your journey. What put you on to this, and what made you decide to do it, and what did you do? So the start of the journey was definitely my maternity leave, where I decided to pick up the book that had been sitting on my shelf for a couple years at that point. Oh, the old dust collecting routine. Yes.

It finally called out to me when I had some free time. And ironically, my mom's actually the one that got it for me. And as I started digging into it, her and my dad were hesitant about some of the advice. But obviously, we went all in. In September, we sold my car. Whoa! Got real serious. Yes. In September, we sold my car. Whoa! Got real serious. That's when things got real serious.

What did you sell? What kind of car? Chevy Cruze. Okay, and what did it sell for? Like $12 or something. We owed like $15. Okay. And the other car is what? A Honda HR-V. Okay. All right. Fun. Fun. So when you start selling cars, the parents are like i'm sorry

i gave you this book and now you've joined a cult and i'm worried about you and yeah it was the stopping the 401k contributions that made my dad worry ah okay it was a temporary thing dad come on he hears you right now so i'm glad you can tell him that i don't blame him i understand the nerd part of it. But we have found that when people focus on something is when they win at it. And that's what you guys have done. You went all in. Yep.

And so after we sold the car, then we started just playing a show all the time at our house. That's how our one-and-a-half-year-old is a huge fan of you because she just sees you on TV all the time. Oh, my gosh. Well, I'm honored. And especially the debt-free screams, too. When she was first even just learning how to clap, she's always loved to clap for those. It'll be exciting to see what she thinks today, for sure.

That's great. That's fun. So, what do you tell people the secret to getting out of debt is? Let's see. The first secret is a zero-based budget. Even people who don't want to hear my Dave Ramsey spiel, I tell them about zero-based budgeting. Like, here, minimum, everyone would benefit from zero-based budgeting.

Yeah. Congress. Congress. Yes. For sure. And then just being all in because Ellen tends to don't want anyone to convince you not to be all in. Who had the first conversation with who that sat down and looked across the table and said, I think we should do this? Definitely me.

And you're an engineer, so did you spreadsheet him? No. No? Just kind of the broad concepts to get him intrigued by it i think you gotta start a little bit and work your way in with all the details the very mystical baby steps yes were you you were all in yep absolutely just like that just cool i mean you did it in seven months that's impressive yeah you like you sprinted through the big thing march so we paid off everything in. In March, we just had a ton of windfalls.

It was like I was saying, hey, you guys are meant to get out of this quickly. And so we had like 12K in windfalls just in March. That helped speed things up a lot. And sold a $12,000 car. That helped as well, yes. And so that's 24 of the 46. Yeah, all right. That makes a lot of difference.

And then you knock the rest of it in the head. Wow. Very, very good. Cool. So the zero-based budget is a secret. Yes. And what else do you tell people? Just to have a clear goal.

Just to be focused. Very, very clear. Nothing gets in the way. Mm-hmm. Yeah. It sounds so simple. It does. Yeah.

Until you start actually doing it, and then all kinds of stuff. There are legions of spouses right now looking at you man um thinking i wish it was that easy i'm gonna sit across the table and say that's what we're doing and you'd go okay we'll sell the car tomorrow okay i'm gonna have a great day that's awesome man the world needs more ethan's out there this is true very fun very fun so outside the two of you who were your biggest cheerleaders? Probably our parents. Other than they questioned your sanity. Minus Dave's terrible advice.

Towards the end, they were convinced as the numbers started to go in our direction, like, oh, this might actually be good. Yeah, yeah. Look at that. They're free. Yeah. How's it feel to be free? Great.

Incredible. Was it worth selling the car to get it? Oh, yeah. It's worth every bit of it. Absolutely. All the windfalls, throwing it all at it, everything. You get so much more control. You can see your budget, and as you pay off the debt, more and more is in your control.

And you can say, this is where I want that to go. Not to that payment, not to that other bank for them to build their skyscrapers. What was it like in May or June when you got your paycheck deposited and then you didn't have any bills? It was crazy. It's pretty wild, huh? Yeah, just start to see the numbers go up in your emergency funds. That first time, you know, going from 1K to 2K, it's like, whoa, it doubled. Yeah, yeah, yeah.

That's a lot of fun. What was the hardest part of this for you all? Staying focused, I guess, when not many people are Ramsey-minded. Yeah, that's true. That makes sense. Okay, cool. And you brought the one-and-a-half-year-old with you. That's true. That makes sense. Okay. Cool. And you brought the one-and-a-half-year-old with you.

We did. What's her name? Emily. Emily is one-and-a-half years old. And she's been practicing clapping to her dead free screams as long as she's been clapping. Indeed. That's awesome. What a way to learn how to clap.

I like it. That's good stuff. We've got a copy of the Legacy Journey for you. That's for sure your next chapter in your story. You are changing little Emily's legacy for sure. And we've got a copy of the Total Money Makeover for you to give away so he can collect dust on somebody else's shelf until it calls out to them. So that's how it's supposed to work. It's the world's largest coaster on the coffee table.

Look at that little girl. She is precious. My goodness. Cute, cute, cute. Look at Steve. Fun stuff. All right. Hey goodness. Cute, cute, cute. Fun stuff. All right. Hey, kiddo. What's up?

All right. Here we go. Ethan, Taylor, and Emily, Wilmington, Delaware, 46,000 paid off in seven months, making 73 to 76,000 a year. Count it down. Let's hear a debt-free scream. Three, two, one. We're debt-free. I love it. Oh, that's fun. That is exactly how this is supposed to work. Well done. Well done.

Patrick is in Tampa. Hi, Patrick. Welcome to the Ramsey Show. Oh, hi. Thank you for taking my call, Patrick. Welcome to the Ramsey Show. Oh, hi. Thank you for taking my call, Dave. Sure. What's up? All right. I've been working on your baby steps for a while now. I'm trying to eliminate all my debts out.

Now, unfortunately, there is a collection that's on my record that's been on there since 2018 that I really do not want to pay because it really shouldn't be my responsibility to pay that. Why? Well, because, well, here's the thing. That collection came from an apartment complex that I moved out of in 2017 that they gave me that me and my brother moved out of. So when we moved out, they gave us the okay to go, uh, apartment complex. And then when the lease ran up on it, which was around September and October, September, I'm not sure when, but it's around that time,

me and my brother was already in a different apartment complex. And while my mother was already, because I was living with my mother at the time, but we was already gone at the time. And then when we come to, when we decide to go find another place to live in from the new apartment complex we got in, that's when we discovered the collection on our record. Why did they put a collection on you? Why did you owe them money?

Well, according to the lawyer, because, like I said, I was living with my mother at the time, and we all signed the lease. That's just me, my two brothers, and my other three siblings. They said that, according to to them that since that we, our names are on the lease still, and my mother didn't move out at that time, and when the lease was up, it was a hold, they were a holdover to them, so that's where we owe the money on. Actually, they're right and you're wrong. You owe them the money.

And so what I would do if i were you is i'd get on the phone with them and create a dollar amount uh hopefully at a discount that will settle with them and i'd pay them yeah and get it out of your life it's not going away they got you you you lose uh not only do you lose on a moral basis because what they just said actually occurred she's living in the apartment she's a holdover tenant they charged your rent and your name's on the lease you guys were irresponsible on how you handled the business This is the Ramsey Show. your mind, and it'll feel good to clean up and do the right thing, because that's really what you need to do here. This is the Ramsey Show. Our scripture of the day, 1 Corinthians 16, 13 and 14. Be on your guard. Stand firm in the faith. Be courageous. Be strong.

Do everything in love. Henry Ford said, One who fears failure limits his activities. Failure is only the opportunity to more intelligently begin again. Oh, I like that. Failure is only the opportunity to more intelligently begin again. Good stuff. Brandon is in Miami.

Hi, Brandon. Welcome to the Ramsey Show. Oh, my God. Thank you for that, the prayer right now, because thank you guys for being men of faith, too, that you guys are teaching people. Thank you. And honestly, changing lives. And it's something that I look up to, and I spend hours, hours and hours and hours watching the videos and I'm seeking, I'm not sure.

Cause I started a business, um, a couple of years ago and I was in debt and I basically started from zero, like handing out flyers to people. And what I do is I clean and ceramic coat boats. So I have an opportunity to make good money but it's just I don't feel like I'm that deeply rooted like I'm not passionate about it so I just wake up and I go do the job and then it kind of feels sometimes like I'm dragging I'm bringing home pretty decent money, but it just doesn't feel purposeful.

What kind of money are you making? It depends on the job. I mean, what are you making a year? I really haven't done the numbers that good like that. Well, you did your taxes, didn't you? Yeah. So what did you pay taxes on? I think it was around like $40, but the thing was that I also slack off a lot.

It's not that I'm working every single day, too. I work once or twice a week. Okay. So, Brandon, this isn't a passion problem. It's not a job problem. This is a branding problem. What you're doing is you're watching a lot of videos trying to find that one spark that's going to get you up and going. And one of the themes of all these videos you're watching is you just got to get going.

Yeah. It's been my experience. Now, hold on. People get passionate about things they're good at. And you get good at stuff that you practice over and over and over again. And you're not going to get passionate about something. It didn't have to be this job.

But you're not going to get passionate about something. I'm good at it. Yeah, but you only do it two days a week, man. It has nothing to do with the job. That's what I'm saying. It's a choice. Why aren't you getting up every day and going and doing it five days a week? I don't know. I don day and going and doing it five days a week? Um, I don't know.

I just, here's the thing. I don't have that drive for it. If, if, if I gave you any job, I have a feeling that in about two months you'd start slacking off. Is that fair?

No. Okay, good. I'm glad you pushed back. So what do you want to do, man? See, that's what I was going to say. So I'm kind of, I'm doing this, I'm doing this business,

but then on the side I've noticed, and it's just, it rubs off on me that people are spending ridiculous amounts of money on just basic stuff and no one has any money saved up. And this is an actual problem that I see going on. So then I just, you guys preach and I feel like I'm so attracted to it. That's why I spent hours on it because I resonate with this and this information I've helped my friends get out of debt and I've helped them like change their lives. But it always feels like then when I go work for a paycheck,

then I'm not into it. So I was thinking that maybe I continue doing what I have to do now for a salary and then on the side help people with their finances. You can start that way. I mean, you could go through the Master Coach Training Program that we have and learn how to do financial coaching and maybe just help some people at your church with it at first and see if that lights you up.

But in the meantime, it's going to be really good discipline for you to force yourself to work five days a week. Or six. Yeah. Do you struggle with depression, man? Yeah, I guess mental. Yeah. Mental health.

How long have you struggled with that? I thank God for all that. How long have you struggled with that? I mean, I've never diagnosed it. No, no, no. I know. It's been my whole life. Okay.

Your whole life. How old are you? 24. I want you to go talk to somebody. That's going to be your first courageous step. Go tell them that it's hard to get out of bed sometimes. That sometimes it's hard to find motivation to do work and you find yourself trapped in these internet cycles

where you're watching and watching and you love being connected to people and those magic moments. Because this is bigger than that. This is bigger than I just don't have passion for cleaning boats you may not and that's okay man but this is this is bigger than that like dave said the discipline of i'm going to get up every day and go work six days a week is that's not the issue isn't either

because i'm a hard worker i i can go like this morning for an example i woke up at five and i got the boat done around 12. And anything I do, I'm a hard worker. When you work, you're a hard worker, but you seldom work. Exactly. Exactly. So, by definition, that's not a hard worker. You should have had three boats today. Not should have.

You could have had three boats today and three boats every day this week and next week and the week after. Yeah. I think what's happening is is that um i think john's telling you something that's very very important um you're exhibiting the symptoms of someone who is depressed you've got no energy to get up and do basic things in life and that is one of the symptoms of someone who's struggling with depression and i don't i and i don't think it's a thing that's going to put you in the hospital. I don't think it's going to ruin your life. But I think you're going to, whatever you set your hand to,

you're going to struggle with because of this until you deal with this. And I don't know what it was that happened to you that's caused this, but this lack of energy, of focus, of the ability to play through, other than in short bursts is an indicator you really do need to sit down and talk to a good counselor. And there's no shame in that, by the way. The shame would be if you don't do it. And so these are two guys.

We're not psychiatrists. We're not prescribing drugs to you. We don't know any of that stuff we're just saying our observation of life is that um if you were my son i would put my arm around you and i would walk you to a coach to a counselor that can walk you through this and say all right let's do it and it might be it might be a fairly short period of time that you learn some things about yourself and all of a sudden you start feeling your energy level come up. That's exactly right.

And when you've been living under a heavy blanket for so long, yeah, it just feels like, well, I'll just go look at the next thing, and that thing will light me up, and that will light me up. And then you get little glimpses of joy, little glimpse of that fire coming to light inside of you when you help somebody get out of debt, And that might be your future, man. But right now, that future of going to help people get out of debt is going to turn into the same thing that you're dealing with with the boats, and the same thing that you've dealt with

with every job you've had since you were a little kid. And that is that, well, let's just go back to the computer and maybe later, maybe later, maybe later. So man, you are worth going to talk to somebody and having that light on all the time. Yeahon uh you're a good guy absolutely love yourself enough to go work on this plan really do um again if you were my son my son's a couple years older than you i just put my arm around you and i would hold you so tight you couldn't get loose and we

would walk into a counselor's office and and I'd sit your butt down. I would walk out and let them talk to you and make you do it because that's how strongly I feel about it, okay? And that would be a dad loving his son. That's all it would be. And so that's what I'm doing. That's what we're doing right now. So just feel my arm come around your shoulder. I am not letting go of you.

You are walking in there, bud. Now you're doing this okay and that's going to change it's going to help everything everybody goes through sometimes that they that they have dealt with some level of trauma and it knocks the breath out of you and different people take some longer to get their breath than others and that's all we're talking about that's exactly right and then sometimes right when you're about to get your breath again, something else pulls you back. And right. And it's just it's a season.

And that's why you need people, whether they're professional or they're friends. And or. And or. That's right. You need connection. You need both of them. But, yeah, you got to have people to walk with you. And there's going to be seasons.

I don't want to get up and come shoot another show. And you get up and you go again. Right. Do it anyway. Do it anyway right do it anyway do it anyway if you can't do that that's that blanket on you go talk to somebody yeah that by definition then that's right hard work that's right good for you brandon thanks for calling man absolutely good job john good job ben and kelly in the booth i am dave ramsey your host

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. 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.