The Ramsey Show - App - I'm Unhappy With the Leadership in My School District (Hour 2)

Episode Date: February 18, 2021

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live from the headquarters of ramsey Solutions, broadcasting from the Dollar Car Rental Studios, it's The Ramsey Show, where debt is done, 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, Ken Coleman, Ramsey Personality, host of The Ken Coleman Show, where they talk about careers and jobs and finding your passion, is my co-host today here on the air. So we will be talking about money and about life and about your careers and your job positions. Open phones at 888-825-5225.

That's 888-825-5225. Casey is with us in Grand Junction, Colorado. Hi Casey, welcome to the Dave Ramsey Show. Hi there, thanks for taking my phone call today. Sure, what's up? So, hold on just a second. So I am a teacher and I am kind of done teaching in the district. They kind of have a monopoly on an hour's worth of drive of where I am. So I'm trying to figure out should I stop teaching at the end of the school year and make the hour commute to a new district? Well, I will be more happy. I used to teach there, but I would make about $10,000 less and I would have to drive obviously an hour. Or should I consider starting my own wedding planning business, which I have done for the past three summers, but it's not

completely established. Is the long-term dream, if we fast forward five or ten years from now, are you running this wedding planning business as a sole proprietor and building this thing? Is that the dream? That would be lovely. I don't know. The market is pretty flooded here already. So I'm not sure if it would be something that I could do full-time or not. But I'm saying, would you love for it to be full-time if you could make all of that a reality? To be honest with you, I'm not 100% sure, but I wouldn't be 100% sure about teaching either. Right. So I'm kind of lost. Okay.

Well, I don't think you really are. I think there's a reason why that you are considering driving an hour and making $10,000 less. And I'm curious as to what's going on, why you would leave one teaching position to make less money and drive more. Yes, I know. So what is it? Sorry. What is the reason why you would consider making less money and spending more time in the car to do what you're already doing?

Well, because what I'm doing, where I am already, I am fairly unhappy. I'm happy at my school, but my district, the people that make all those decisions are being really terrible, and I really just don't want to work there anymore. Okay. Really terrible ethically, or doing some things that you just disagree with, and is it towards you, or is it to everybody? It's just in general. I've just gotten tired of working for this district. Okay. Well, you've got a couple things going on here.

Because the side hustle is something that you have gotten up and going, it's not fully established, but it's something that you enjoy, are you paying yourself any money out of that? Is it making enough to pay yourself? No, not yet, because I am mentoring with somebody right now, so I really don't make much money at all. Just because she owns the business right now and I just mentor with her. Yeah. Well, here's the thing.

I think that you've got to decide where you really want to be. And before you make any major decisions, including leaving this current district, I really want you to get clear on what the big dream is. You should be thinking about at this stage in your life, what is it that I really want to do? I call it working in the sweet spot where you use what you do best to do work you love to produce results that matter to you. And you're still a little iffy on this idea of the wedding planning. I think it's got a good amount of passion. You enjoy that work, but you've got to decide the big picture. When you do that, then you say, okay, what's the best move for me?

But I will tell you on the surface right now, I don't think it's a wise move to move to this other district. You're going to be spending more time in the car. There's some physical costs. There are financial costs to that. Plus, you're taking a $10,000 hit. I'd rather you sit tight, bite the stick, deal with it. I know it's not a perfect situation. I know it's not ideal.

But until you know what you ultimately want to do, then I think you've got to figure that out first, and then we make some decisions. But i would keep moving forward on this idea of learning enough to be able to start the side hustle why did you go into teaching oh i i left students and honestly like i i've worked for this this other district before and i absolutely 100 loved it and i used to commute and i did love it are you are you single and you know no i'm married my husband lives here yeah and and he lives how far away from this district? Does he work? About an hour. So he works in the town that you live in?

Yes. Okay. Are you renting or do you own? We own our house. Okay. Because you could just move halfway between. Both of you have a 30-minute and make a little less. And you loved being over there.

So what is it that you loved about teaching? That's what I would revisit. I think the wedding planner thing is an escape. Just listening to your – you're just not that fired up about it. You've never really made money doing it. Just something you were messing with on the side. Some friend of yours thought it was a good idea or something. But you get juiced talking about teaching, except that this one district stole your joy.

And so I might be wrong, but I'm with Ken. You do not run from things. You run to them. Yeah. And you're running from this district in this phone call, and that's fine, but that's only fine after you figure out what you're running to that takes you to your long-term goal. There was a little comment in there, Dave, where she said, I don't know if I want to do the wedding thing full-time,

but I don't know if I want to do teaching either. And that's enough to do what we're saying here, which is, okay, why did you get into teaching? Do you really want to teach if it's not in the classroom? Do you want to do corporate training? She loved every bit of it in the old district. She did. So that goes to show you that there's some toxicity here.

Yeah, serious. Diana is in Austin, Texas. Hey, Diana, how are you? I'm great. How are you? Great. How can we help? Okay, I recently moved my elderly parents closer to us,

and we've been going through some of their finances. And I recently found out that my father, who's 87, has been paying 20 years for a whole life policy at $170 a month. And I freaked out about that. And I just didn't know whether it's a good idea to cancel it because my mother is 80, I'm sorry, 89. They don't have any debt. We're about to sell their house in the next three months and my dad has a only social security my mom has social security and a pension

do they have any money no i wouldn't i'm sorry do they have any money they have about 20 000 in savings so how are they paying $1,200 a year for a policy? Just scraping it out? Yeah, yeah. My dad's the one who's been paying. And what's the face value of the policy? What's it pay if he dies or when he dies? It's $45,000.

Man. And I think the cash value is about $4,000. I think he took out the money a few years ago. To me, I want to cancel it. Yeah, probably. I mean, I'd seriously consider canceling it. The thing is, you're betting against the statistical probability of an 87-year-old living with $45,000 on the line. And you can keep it alive for 12 more months for $1,200.

I'm kind of tempted to keep it. You're not going to get another one, that's for sure. But I'm kind of tempted to keep it in this case because I've got no money, especially if you can help him subsidize it and keep paying it. This is The Ramsey Show. I'm going to go on a little rant here for a minute. I took a call from a father who wanted to know how to plan for the care of his special needs daughter after he dies. Why is it that parents of special needs children are so deliberate in their planning while other parents have a tendency to be sloppy?

Do the needs of your family matter less if something happens to you? Oh, I'm sorry, did I just guilt trip you into getting some term life insurance? Well, then good. Your family needs you to step up. Having the right amount of term life insurance is a matter of personal responsibility. If you want to use the new year as a reason for doing the right thing, then do it. Term life insurance is something every family needs, which is why I talk about it every day. It's not complicated, it's not expensive, and you need to do this now.

Zander Insurance is the only place I recommend. Visit Zander.com or call them at 800-356-4282. Please learn from other people's mistakes and get this taken care of. That's 800-356-4282 or Zander.com. My co-host today on the Ramsey Show, Ramsey personality, Ken Coleman. As we answer your questions about life, money, career, whatever you want to talk about, darling, we're here for you. 888-825-5225. Andrew's in New Jersey.

What's up, Andrew? Yes, hi, Dave. Can you hear me? Absolutely. What's going on, sir? It's hard to hear you for some reason. You're fading in and out. Okay.

That must be your phone. Okay. Well, my landline. So, but here's my situation. I've been with my job for 26 years and the last 15 as a financial consultant. But in any event, I was offered a voluntary severance package because of COVID.

The company is trying to cut expenses, and they were offered this package. In my case, I would receive about 91 weeks of salary and about 16 months in health benefits. And I'm trying to make a decision whether I should take that package or stay put. The company does not anticipate that any involuntary layoffs would come about, but that's my scenario. Yeah, well, that's a pretty good offer. The question is, would you stay whether this was offered to you, or would you be looking towards something else in the future? Where do you want to end up, and how does this affect it? Yeah, I would like to stay with the company, but because of the nature of my job, I do things similar to Dave in terms of we have institutional clients.

On a given day, I'll go to a client and meet with maybe seven to nine employees per day, and they ask questions mostly towards retirement. But I have sales quotas, and some years I hit it, some years I don't. So, you know, it's a little stressful. And, you know, even trying to follow Dave's policy in terms of providing advice, you know, sometimes when you do that, you don't really hit your numbers all of the time. So short answer, where do you want to be working in 10 years? I would like to stay and I would like to continue to do financial consulting

without the sales quota aspect of it. Okay, how can you do that? I'm not sure. Broker-dealer. Go to work for a broker dealer right yeah yeah or work yeah and then essentially get to a point where you're essentially working for yourself so your answer was 50 yeah i'd stay but i don't like all these things about it and the answer is is you want to move on and this is a great opportunity it's a big check i mean this

is 91 weeks they're paying you to step into your future yeah you get like a signing bonus into your future i would go yeah i i would join a financial advisory group that has a direct to consumer uh aspect to it meaning where you've been doing on the wholesale side and working for a wholesaler but this is the typical like our smart investor pros where they meet with individuals at their kitchen table or they meet with individuals in their conference room and kneecap to kneecap and they do the right thing for them which is what you're concerned about and they build a book of business and over the years every year you add clients to your book of business you lose a few but mainly if you do a good job you just keep building the book over time and uh you know you

work 26 more years at that you're going to have a serious bank a business built and you work 26 more years at that, you're going to have a serious bank, a business built, and you will have had a very rewarding career. I'll tell you what's going on here. Andrew's a very, very bright man and a very successful man, but he is facing what many of us face. It's part of our human condition. Change is so unknown and thus so scary that we will talk ourselves into staying somewhere that we don't

want to stay. 74% of Americans know, this is pre-COVID data, 74% of Americans knew that they could move out of their current job, the day job, into something that they would really enjoy, yet they don't do it. And there's something about all of us. The devil that I know. That's right. This isn't an Andrew thing.

This is all of us. We would rather be miserable than uncomfortable. Because, see my misery i can steal myself i can put up with it i can talk myself into it but you talk to me about oh i gotta step out it's like oh and let me tell you that's what's going on there and he's not alone no that's everybody we all have a little of that some are more change averse than others and personality style and in age or demographic or whatever. So the answer is he has to get clear. When you begin to ask him that, he has to start to go, okay, what are the steps? What are the ultimate areas that I want to be in and how would I get there?

And so what is unknown becomes known. And now we can see, oh, this step leads to this step, to this step, to this step, and I can get there. And they're going to give him a really nice package to be able to go do that so that's how we have to overcome the fear of the unknown is go dive into it get all the answers to what are the multiple places and multiple paths to those places then it's not so scary well when the competence comes up because you've got some of the controllables controlled and then you start to actually be winning at the thing the competence goes up right after that and simultaneously the confidence that's right goes up and the anxiety goes down and so you get into a groove you know you get into a rhythm the first

time i sat down at a microphone first time you sat down at a microphone our hearts were in our throats they're racing racing we're like and we talk too fast and and i talk too loud i always talk too loud yeah i remember the first one of the first radio stations we got i was so excited the day we syndicated and we had two stations and a guy calls he was russellville kentucky a guy calls up and he goes hey y'all need to turn dave's mic down he's over modulating because i was just screaming yeah i was wired i was so pumped and it was just all it was was my my you know i i didn't have confidence i was scared yeah i was excited in the middle of that because we had a new station our first radio station now we've got 609 and uh and now i'm bored with it not really no but i mean i have to watch because i forget that i got 17 million people on the other side of every word right here and i can say

something stupid that would end my career so i have to because i'm a little too relaxed after 30 years of doing it but that's the other end of the story the first day the first day is that your heart's in your stomach's in your throat, both of them, and then later on you just get in the rhythm of it. You get in the groove. Yeah, the calm comes on the other side of that confidence. You're just calm. You go, I got this.

That's how it works. And he'll get there. Lance is with us. Lance is in Florida. Hey, Lance, how are you? Hi, Mr. Ramsey and Mr. Coleman. Thank you for taking my call today. Our pleasure, sir.

How can we help? Well, recently my wife and I sold our home, and we made $140,000 on the sale of that house. We're very excited. It put us out of debt, and we're able to put into our emergency fund, a six-month emergency fund. Way to go. We're really excited to be at that. Yeah, we're really excited. We worked really hard at our current, I own my own business, and the last couple of years have been just crazy but worthwhile. Long story short, I want to make sure I don't make some dumb butt mistake, as you might say, with my money, what's left of it,

making sure that it goes to funding you know, funding a future fund for my children. And then also, you know, what me and my wife should do next, if we should just, you know, try and buy a house outright cash, or if we should be trying to keep up with the Joneses, so to speak, and get a bigger home and put a 20% down payment. Yeah, I'm a little stuck. And I just wanted to pose that question to y'all and see what advice you might give.

So how much of the $140,000 left after you did your emergency fund and became debt-free? Yeah, so there's $121,000 left. Oh, wow. Okay. That's good. And your household income is what? So you would want to know my specific or what my business brings in. Your taxable income annually in your household.

Sure. Yes, sir. Last year, it was about $40,000. Okay. And how expensive a home would you buy? That's your whole household, you and your wife both. You're making $40,000. We're making $40,000.

We do run a lot of expenses through our business, like health insurance and things like that. Well, that's normal. Okay. Yeah, we bring in about $75,000. Well, last year my business brought in $100,000. And your wife doesn't work outside the home? No, sir. She stays home with our daughter, and she's going to be homeschooling.

That's important to us. Cool. Okay. But it would be our intention to buy something under $150,000, no more than $150,000, $180,000. Well, I mean, yeah, I would do that then and just put the rest of this money down and pay it off as quickly as you can. You're not going to have much of a mortgage. You end up at the credit union or the local bank because can. You're not going to have much of a mortgage. You're going to end up at the credit union or the local bank because the mortgage company is not going to touch a mortgage that small.

And just get you a little fixed rate loan and get her knocked out. I'd love that idea. Definitely do that. And then use your income to fund your retirement and your kid's college. You've got plenty of time on that. Good job, man. Congratulations. What a great start.

Amen. This is the ramsey show Ken Coleman, Ramsey Personality, joins me today answering questions about career. And I'll be talking to you about your life and your money on the debt-free stage. Right here in the lobby of Ramsey Solutions. Alex and Nakia are with us. Hey, guys. How are you? Hi. Hey, Dave.

How are you doing? Better than I deserve. Welcome. Where do you guys live? Richmond, Virginia. Wow. Quite a trek down to Nashville. Thanks for being here.

Thank you. And all the way here to do a debt-free scream. How much have you paid off? Yes, sir. We paid off $213,065.28 in 25 months and 3 days. Good for you. Wow. And your range of income during that 2 years? It started at $108,000, went up to $148,000, and then back down to $130,000.

Okay, cool. What do you all do for a living? We birth work at the same health care provider. I'm an auditor. I'm a registered nurse. Okay. Wow. Very cool. That's a lot of debt. Yes, sir. What in the world? $213,000. What was that? Yes, sir. It was a couple of vehicles, student loans, 401k. We had two houses between us one we sold and the other we paid off credit cards and 10,000 in medical expenses and a tax bill which we also cash flowed so you sold a house and you paid off the home you lived in so you're debt-free house and everything yes sir wow yes okay so tell

me your story what happened here okay if I may back up just a little. During our engagement period five and a half years ago, we discussed being debt-free and we developed a plan on how we wanted to become debt-free. During that time, we also spoke with our pastor, Pastor Holt, who encouraged us to actually combine our finances as well as do a budget. Good. When we got married, I had my house in North Carolina. That's the one we sold.

And he had his house in Virginia, his bachelor pad. So during that time, fast forward to us getting married, I actually, him and I, we actually done a rent-to-own agreement with one of our family members. And we done that and then fast forward the house actually three years ago had a flood a pipe burst and it was a flood there oh no yeah so we had to pretty much you know get involved and family member to help start it to decline so then we started saying like oh my my gosh, we have this $1,000 monthly expense now, plus the house in Virginia.

So that was our never had, I mean, our had it moment. So everything's up for sale then. Yes. We're selling everything. For sure. And then we gave our family members, we gave them options. And then during that time, they were unable to get the house financed and through their own name.

So we decided, prayed about it, we were going to put the house on the market. And that's when we put the house on the market. But during that time, just with repairs, and I bought the house when I was single. And during that time, we spent like $21,000 with the repairs and everything, money that we didn't have. That's when the 401K loan came in. We had to get the HVAC system and all of that. $1,000 with the repairs and everything, money that we didn't have. That's when the 401K loan came in. We had to get the HVAC system and all of that.

So I had a friend from work, Rosalyn Robertson. Her and her husband actually was here a few weeks ago with her sister. They done a debt-free screen here. So she introduced me to the program. She was like, hey, we're getting ready to have financial peace at our church. She said, Monday through Friday, 630, you and Alex are to come and join us come and join us and i said well at the time the schedule didn't work for us so um i started looking you up i'm like dave ramsey she was like um so this sounds familiar because i remember when we first got married alex had a video um about 45 minutes of dumping debt so we

done that so during that time we actually probably paid off for two years we only paid off ten thousand dollars that time and I was like well this looks familiar so this is more steps financial peace you sent me a photo and I started researching you on google and then I found the Dave Ramsey show which was exciting then I also noticed that you had a total money maker of a book and financial piece. So I called the library, and the library said they had the book. I ran and got it. So in two days in, I said, I think we ought to invest in this financial piece.

And we invested into the course, found a local church that was offering it. Good. And that's where we met our coordinators, Adrian and Mike Parham. They're amazing. So we actually went to the class and we had that support there. And it was game on. I mean, at that time we were like, you know, we got to make a change.

Alice got promoted during that time. The job that we worked to, a salary position that went to hourly, it was OT opportunities. And we just worked like nonstop. So after the flood, it all broke loose yes that is so true yes sir oh man it all came together that's amazing yeah because i mean

you'd had enough pain by the time you wander into that class you were ready to go yes and it was just so i mean i hear you there's only a certain amount of things that you can go over when you're in the station but that, it really helped us. That financial piece, having that accountability, that support, I mean, it was huge. It was really huge. Way to go, you guys. I'm so proud of you. Thank you.

Very well done. Alex, I was watching your face. Your wife's walking through all that. I could see you. You were remembering some of the pain and the sacrifice. Yes. So what was one of the toughest things after you made the decision, you go all in, what was one of the toughest adjustments? Traveling back and forth to North Carolina to do the upgrades to the house.

That was a real time where it was tiring, you know, getting up early, making that three-and-a-half-hour trip. And I remember one weekend we did a 48 hour we didn't sleep we just consistently worked on upgrades and repairs you know i learned how to replace a toilet you know i'm not a really handy person i have some basic knowledge of that stuff but you know when uh when i was going to it i was like like, well, I got to learn now. I got to figure out how to do this. And truly, necessity was the mother of invention. Yeah, it truly was.

The mother of a YouTube search. Exactly. How to replace a toilet in 14 minutes and 18 seconds. Oh, my gosh. Wow, guys. Very cool. So proud of y'all. How does it feel now that you did all of this?

Remarkable. It's amazing. Now, you sold the North Carolina house. You sold the bachelor pad. Where do you live? No, we actually live in the bachelor pad. Oh, you're living there. Yes.

But you paid it off. Yes. I was guessing it's no longer resuming a bachelor pad. Oh, no, no. No. Definitely not. Ready for it all. Yeah.

Yeah. So how does it feel to not have a payment in the world? Oh, Dave. Oh, my gosh. It is incredible. The night we paid off the house, I was pacing the living room back and forth, and I was looking at my Fitbit, and I saw my heart rate went up to like 116. I had to stop and lay down and just get myself and gather myself, come under control,

because I was so worked up. I was so excited. I didn't know what to think or say. I love it. Yes, sir. I love it. Well, very well done, you two. Thank you.

We got a copy of Chris Hogan's book for you, Everyday Millionaires. Without a doubt, that's the next chapter in your story, for sure. May I say something really quick, Dave? You sure can. All righty, thank you. And I just had to make some notes here, just i know we have we listen to you all every day i mean even on the weekends it was non-stop but i just wanted to say something to the listeners and the viewers and i have my notes and i try not to get emotional but um how to be successful first invest in yourself

and your family there's been so much you can hear in the air. I tell you what, the return of investment of the $119 we invested in financial peace, it was just unbelievable. It changed our life. We went from baby step one to baby step seven in 25 months. That's unbelievable. That is. Follow the plan. Like you all said, no deviations.

Initially, I didn't want to stop the 401K, but Alex said, let's follow the plan. So we went ahead and done that. And now we have a positive net worth, completely debt free. And we finished sooner. Be content. Our home now is like a thousand square feet and I've won another home. But we already said, we're going to stay there until we're able to save to purchase that next home. Pay your tithes.

God opened up so many doors. Alex got promoted and I went to the salary position. Take your advice. Zender insurance. I had a whole life policy because I have an autoimmune disease diagnosed with lupus years ago and I had a whole life and I'm like, I would never get approved again. Call Zender insurance. They wrote me a policy as well as it was more money for the policy coverage amount. Plus, it was cheaper. And we also went through the EOPs. They saved us $750 a year.

You're endorsing everything we do, but you got 30 seconds to do your debt-free scream. I love you. You're awesome. Count it down. Let's hear a debt-free scream. Three, two, one. Glory to God. We are debt free.

Lovely cast. They've done everything. They what? Everything. I'm going to take the rest of the show off and let her co-host with you. Man, I'm telling you. She's ready to go. She's got it dialed in.

Oh, that was amazing. Amazing. Ken Coleman, Ramsey Personality, is my co-host here today. We're answering your questions about your life and your money. Connor is with us. Connor is in Canada. Hey, Connor, welcome to the Dave Ramsey Show. Hi, Dave. Hi, Ken. Thanks so much for having me on.

Sure. How can we help? Yes. So I'm calling from Montreal, Quebec, Canada. It's a bit different system here than yours, but I have a two-for-one scenario. In March, I actually lost my job. I was let go as an insurance broker, so that's my profession. I had been applying to become a border officer for the past three years,

so I'm still in that inventory list, and I've went through all the steps to become a border officer for the past three years. So I'm still in that inventory list. And I've went through all the steps to become a border officer because that's truly what I want to do long term. A part of those steps was I had to do a medical. And in the medical, they found that on my left ear, I had a slight bone issue. So I went to see a doctor. The doctor evaluated. He said, yeah, you have a little bit of a frequency hearing loss. So I had difficulties with like whistling sounds and stuff like that,

but I could understand speech 100%, so that wasn't the issue. I still wanted to look into the procedure to see what the option was and to see how it could help me. So the doctor said, listen, this is a 98% successful procedure. Have faith and confidence in me. We can do this and everything will be okay. I ended up getting the procedure. I fall into the 2%, unfortunately.

I'm deaf in my left ear now. The doctor dropped a prosthetic in my head left floating in my brain. It's a little bit emotional. I apologize. I guess he damaged all the hair cells. So it's my speech recognition and everything. I'm severely to profound hearing loss in my last year.

So my question now is I'm I still pass the medical requirements because I have one good year. As you can see, I'm properly, to become the border officer. The border between the U.S. and Canada is still closed shut, and that industry is virtually dead for the time being. I'm still unemployed as of March, and I'm living off the government right now. I've called lawyers, and they've said that they can sue the doctor on contingency fee. They would charge me $5,000 for a one-shot fee, and then if I win, I win the winnings.

But if I lose, I potentially have to pay all the doctor's lawyer's costs, which would be, you know, $100,000. So it's definitely a risk question. My first question is, yes, so what would you say on the risk of a lawsuit, and what would your response kind of be on that i don't have any idea i think you would have to meet with a couple of attorneys on initial uh uh you know with an initial consultation which most attorneys will do for free uh and they need to convince me that i've got a real shot here um but I have no idea.

And plus, I don't understand Canadian law either. I've got a decent grasp of U.S. law, but that's different. And so I don't know what your tort reform laws are there and how much limitation there is on docs because you've got a completely different system of medicine too. So you'd have to ask an attorney there. I'm dumber than a rock on this, and so is Ken. I'll just go ahead and say he's dumb, too. But very nice, apparently.

Good cop, bad cop. Yeah. Okay, well, I mean, the risk would be that I would have to lose $100,000, and I'd go on the whole $100,000. Yeah, so I need a real high probability that that risk is not going to occur. But you've had a real high probability before, and it didn't work out for you. So you might be a little gunshot on that yeah and well the second scenario is as i've mentioned i'm still unemployed i've just kind of been depressed and kind of

hard to be get jump back into motion here and quebec where i'm living is virtually it's half shut down it's been half shut down since october sure and they're thinking of shutting it completely down in december to calm the waves so I just don't know where to go from here. Well, so here's the thing. If I heard you correctly, you still are medically able to get qualified and to become a border agent. Is that correct? Correct. All right. So that's a waiting game, right? Yes. That's the thing. I'm just waiting now.

Well, but here's the deal. I have found in my life, and I went through a nine-year journey, and there were seasons where I knew I was having to be in the waiting due to qualifications, opportunities, things of that nature. So I tried to stay busy, and I tried to get better. In this situation, you being unemployed, and again, I don't pay attention to the Canadian unemployment. I don't know what's going on there, but I would assume there's some work you can do. And if it were me, I know you've got to weigh your unemployment benefits versus working, but I think working two jobs, three jobs versus unemployment, Dave, I think in that season, it makes you feel as though, hey, I'm doing something. I'm making money.

I'm making some financial progress while I'm waiting for the professional doors to open up to sit and kind of stay in that oh i don't have any any say in any of this i'm just waiting and waiting waiting can really get damaging emotionally and mentally it's a dangerous place versus get busy yep i'd get busy right now yeah and what's weird is is that sometimes there's um weird stuff happens when you're out there moving things around pushing things bumping into things that never happens when you're sitting at home yeah and so anything you can get to do to get you to lay your hand to because you might run in you might end up working with, I don't know, the 27-year-old son of the general that makes all the hiring decisions of the Border Patrol. Who knows?

You end up having dinner at their house. I don't know. But that's not going to happen if you're sitting on your butt at home doing nothing. So I'm always going to be in favor of when in doubt, bust into something. When in doubt, push something over. When in doubt, move something around. I'm with Ken push something over. When in doubt, move something around. I'm with Ken. I would, when in doubt, pick up some work and just go do it. Connor, I would look briefly into an exercise here. Do this today. What do I love about the

idea of being a border patrol agent? What is the work that I love? My guess is that you enjoy work that is involved in justice, right and wrong, safety, security. These are things that matter to you, results that matter to you. Those are those intrinsic motivators of why you're intrigued by that. What are some jobs in the Canadian marketplace that at least involve some of that, where I'm causing people to be more secure because of this role? I'm helping people with safety. You've got to find these little threads here that can help you see, oh, well, this is a part-time gig. Maybe I'm doing two or three of these, but at least I'm doing work that I see produces a result that matters to me.

I think that's an additional thing I would add to that, not just any old J-O-B. Look for some connection to the work. Yeah, but versus sitting at home, take anything. And then better than that find something that's got that connection that's then better than that find something even yet that get your foot in the door towards your ultimate goal uh as an intern or whatever any way you can just keep moving in that right direction keep uh keep the tip of the spear sharp and and keep keep pushing in hey folks if you feel like you should have made more progress paying off your debt by now, well, I understand.

When it comes to paying off debt, sometimes it feels like all grind, no reward. Here's the thing. When you try to do it on your own, you're more likely to fall back into old habits, and that's when you stop making the progress. This is why you need Ramsey Plus. Ramsey Plus is our step-by-step money plan that will give you the accountability and practical tips that you need to pay off your debt faster than you can on your own. It includes, of course, Financial Peace University. Of course, every dollar where it syncs up with your bank, the premium version.

It includes the Baby Steps Tracker. It includes community. It includes Ask a Coach coach it's all there it helps you go from sort of to all in so you can finally get control of your money if you want to start a free trial for ramsey plus just text the word trial to 33 789 that's trial to 33 789 trial to 33 789 you know back to our last caller again just for a second as we go out of this hour there is a um and john deloney's dr john deloney's taught you and i this and i've heard it even prior even prior to having him on the show here with us. There's a direct correlation between activity and the endorphins, adrenaline, and various chemistry that is released in your body and pushing away depression. Yes.

Going and doing something is always better when you're struggling with feeling depressed. The pandemic has caused two major problems. One, the lack of connectivity. We are relational human beings. When we're isolated, it's a bad, bad thing. The second thing is when you're not able to work, to do something. It just feels as though you have no meaning and no connectivity. You take those

two things together, it is a very dangerous place. It's a bad chemistry. Bad chemistry for the folks that are in those situations. Be careful with it. Good point. Ken Coleman, Good folks that are in those situations. Be careful with it. Good point. Ken Coleman, good hour. Thank you, sir. That puts this hour of The Ramsey Show.

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