The Ramsey Show - App - It’s Never Worth Staying in a Job You Hate! (Hour 1)

Episode Date: February 28, 2022

Dave Ramsey & Ken Coleman discuss: Jordan Peterson's career advice, Why it's never too late to start changing your life (just ask 74-year-old Dianne who paid off $30k!) Getting a trust vs. a will, Helping family get started on their financial journey. Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

🎵 Live from the headquarters of Ramsey Solutions, it's the Ramsey Show, where dad is dumb, cash is king, and the paid-off home mortgage has taken the place of the BMW as the status symbol of choice. Ken Coleman, Ramsey personality, host of The Ken Coleman Show, best-selling author of Paycheck to Purpose, is here to be my co-host today here on The Ramsey Show. The phone calls are free at 888-825-5225. We'll be talking about your career.

We'll be talking about your money. We'll be talking about your relationships and your mental health. We do it every day here on The Ramsey Show. Thank you for joining us. Chad starts off this hour in Phoenix. Hi, Chad. How are you? I'm great.

How are you doing today? Better than I deserve. What's up? I just have a real quick question for you. I'm trying to figure out whether or not I should spend a little extra money to get a trust. I've got my will in place. I went and met with a lawyer the other day, and he tried to convince me that I needed one, and I wasn't sure that I do. A trust or a will? The trust. Why did he say you needed a trust? Well, I've got kind of a unique situation. I'm divorced.

I've got three minor kids. My net worth is approaching about half a billion. He just said it would protect the kids a lot better and all that stuff. I don't know. He was warning me a lot about the Arizona probate courts and all that, so I was trying to separate out the sales pitch from what I actually need. It sounds like you need a new lawyer if you can't separate that out because the lawyer is supposed to be there to teach you, not sell you. Some of them in the estate planning world are good teachers,

and some of them aren't. Do you know what the probate tax is in Arizona? I don't. I don't know. I don't either off the top of my head. Some states have a very low probate tax, like a 2% or a 3%, which would be $10,000, $20,000 in this case, and it's not worth screwing with to do a trust just for that. I don't know why you couldn't draft a will in Arizona

that would leave everything to your children in a trust upon your death. I don't know why it has to be moved to a trust prior to your death. In Tennessee, I haven't had to do that. The will was strong enough to do that. But if he's saying the probate courts reverse a will in arizona i would be questioning whether the will was drafted properly you see what i'm doing yeah i mean there's two different issues okay there's issue the probate tax if the tax is really high you can avoid the probate tax with a trust on some of your assets and that might be worth it

maybe our tax our probate tax in tennessee is not very high so i haven't had to do that okay but in some states it's ultra high meaning it might be as much as 10 or something like that and so um all that to say i want to learn a little bit more and the fact that you're having to worry about his advice versus a sales pitch versus his advice bothers me enough to maybe you need to get a second opinion about your estate planning. Because, Ken, we always teach in every area to get someone with the heart of a teacher. And it's because what you just said. We don't want you to be sold something, especially in something emotional like this.

And most money issues are emotional. You start talking about this kind of stuff, and somebody sells you pretty quickly on something, and maybe in their mind, maybe it's not even sinister, but it's not sound. There's a difference between the two, and the heart of the teacher, as you've always said, when you're sitting down with a financial advisor or anybody, you need to understand what the product is. You need to understand how it works. And why I need it. Yeah. You need it because it does this, this, and this. That's right. And you go, okay, that sounds good.

I'll do it. Or I think I'll take that risk. No. That's right. I'll measure that out. And being informed, by the way, allows for greater questions. I just did a quick search. I'm not saying this is correct, but just checking into this,

you're looking at anywhere from $2,000 to $5,000, the average cost of probate. So just being informed enough to go, I'm going to dig into this, you're looking at anywhere from $2,000 to $5,000, the average cost of probate and everything. So just being informed enough to go, I'm going to dig into this myself and become a novice on some information and make somebody who's really in authority or has the knowledge, make them answer your somewhat informed questions will help you. Don't just rely on them for everything. Exactly. I mean, again, and I don't practice law and you shouldn't

practice law on google no yeah that's why you need to you do need to gather this up but it's good to start asking questions the thing i'm looking for here is the vibe yes that um i'm being taught and um you know i'm not being scared or slimed into something and that that bothered me more than anything else in that particular question. Amy's in Dallas, Texas. Hi, Amy. How are you? I'm great, Mr. Ramsey.

How are you guys doing? Better than we deserve. What's up? Hi. All right. So maybe I'm a baby steps fraud, but I am in baby steps seven, but I never had to be in baby step two. Well, that's not a fraud.

You got there. You just got to skip some steps. That's kind a fraud. You got there. You just got to skip some steps. That's kind of nice. But I have six or seven brothers and sisters, and I finally got one converted over to doing your method. And another one is very, very interested. So where do I start them? Total Money Makeover, Ramsey Plus.

I'm willing to pay for anything they need because if they promise me they'll do it, like you, you know, I don't mind paying for it. If they fully embrace it, Ramsey Plus puts more tools and things in their path because it includes Financial Peace University, it includes every dollar premium, and it's going to, you know, we're going to be all up in your face for months on end. If you get a book, you can leave a as a coaster on your coffee table and sometimes that happens with total money makeover total money makeovers got all the information but the activity and the proactivity of being in financial peace universities by far the best thing we do for money in this building and so uh if you can get if you get a commitment out of

no that's a hundred dollars versus twenty dollars okay so but if you get a a commitment out of them, that's $100 versus $20, okay? But if you get a solid commitment out of them, that's the route I would go. As a matter of fact, I'll just give you Ramsey Plus under the condition that you get a firm commitment to them to fully embrace Financial Peace University, go through every lesson, and do the every dollar budget. If they're not going to give you that, then don't take the gift, okay? Yes, sir. Because I'll just stir up trouble in their house is all i'll do with that otherwise so you hang on and kelly i'll sign you guys up sign your help you get your siblings signed up once we get this figured out one thing i would add uh for this

amy is make sure that they're ready for it and what i mean by that is i don't mean you know nobody's ever ready to do anything at some point you, you have to step in and do it. But what I mean by that is they need to acknowledge that they really have a problem because even the most well-meaning friend, family member, teacher, until the student— Are they just nodding to get you off their back? Yeah, that's what we're looking for because here's the deal. You will invest a lot of energy and enthusiasm in this. And I'm not saying they're not ready but i'm saying as as a family member here um they need to know that they've got a problem and that they're ready for a solution

as opposed to you going i think you have a problem here's a great solution you give them too much and they don't see their need um it's not going to be as effective so if to the extent that they haven't identified this you know it's a good point i see it. So, Kelly, what we could do is we can give her a total money makeover book and tell her to come back if she gets firm commitment, and you'll also give her Ramsey Plus. Let's do that. That way we don't turn on a fire hose when the poor guy goes up to the water fountain to get a drink. Because that's what, I mean, if you're going to go all in, Ramsey Plus,

I mean, Financial Peace University, we'll take you there, baby. We'll take you there. But it's not for the faint of heart because we're going to bring it. You're going to change, man. You're going to get her done. This is The Ramsey Show. Most people know me as the guy who did stupid with a lot of zeros on the end. I made my first million dollars in my 20s the wrong way and then went bankrupt. That's when I set out to learn God's ways of managing money and developed the Ramsey Baby Steps. By

following these steps, I became a millionaire again, and this time the right way. After three decades of guiding millions of others through the plan, the evidence is undeniable. If you follow the Baby Steps, you will become a millionaire and get to live and give like no one else. My new book, Baby Steps Millionaires, is now available for purchase. When you order my new book, you'll learn how ordinary people built extraordinary wealth and how you can do it too. I'll walk you through how to invest, build wealth, and bust through the barriers preventing you from becoming a millionaire. Baby step your way to becoming a millionaire.

Get your copy today at RamseySolutions.com. That's RamseySolutions.com. Thank you for joining us, America. Ken Coleman, Ramsey Personality, is my co-host today. He's host of The Ken Coleman Show, where we talk about your career. We talk about your career. We talk about your job. We talk about all the things going on out there right now. The great resignation is real. It really is, Dave. We're hurtling towards 20 plus million people have changed jobs since August of 2021. And the trends look like it's going to continue to happen to the point now where you've

got a lot of people just moving from one bus to the next bus chasing you know uh more money hopefully a better culture they're looking for meaning in their work they're looking for a leader who cares about them that's what they should be doing that's that's well in some cases they're just jumping sometimes they're just going just for the paycheck which you and i know is a wears off um it has profound negative effects on your health your life in so many ways when you just aren't doing something that you find meaning for. So one of the guys I've read a lot lately and I've enjoyed, and just because I like how he stirs things up, he's an edgy thinker

and a brilliant mind is Jordan Peterson. He's got a lot of things going on out there. And there's a thing gone viral on tiktok of him talking about working the miserable job i want to play that clip and um and then can't have you guys have you comment on it say i have a job i hate it's like well yeah but i'm not dying from it's like not as bad as it can be so you think well i can't jump out of this job because what about all the risk it's like yeah no kidding you got to get your resume in order. You've got to send it out.

Then you have to go get interviewed, and maybe you're not any good at that. You have to come up with a story while you're a good employee. What about all these risks if I go look for a new job? What about the risks for you to stay with this job you absolutely hate? Well, let's think that through. Okay, so I have this dead-end job. I hate it. I'm getting bitter. Where am I going to be in five years?

You're going to be just like you are now, except a lot more of what's good about you is going to be gone, and a lot more of what's terrible is going to be amplified. Because it kills your spirit somehow. Oh, man, yeah. So it's like you think, oh, my God, there's a terrible risk in pursuing this new job. It's like, yeah, there is a terrible risk. There's a terrible risk in you staying with your job right now.

One of the things that's really freeing to understand is that you're screwed no matter what you do. Ah. Last line's positive yeah i i have while he's a brilliant mind i take issue with two things he said there uh first of all that's just not true you're not screwed whatever you do i mean we've got a thousand people here that would testify to that not being true no i mean he's he's saying you're screwed if you look if you're in a miserable job and you look for it you've got the risk of looking uh and all that saying the risk of looking and all that. Oh, I know what he's saying. The risk of staying and both those risks, either one of those two options are screwed.

Yes. If you look at it that way. But I don't think you have to look at it that way. I don't. That's my point. I don't think that you have to look at changing jobs as super risky. And he likes to argue. I'd like to get him on here to argue.

I'd love to argue with him. As you know, I enjoy a good argument as well. But here's my point. It doesn't have to be so risky. Risk is basically an acknowledgment of I'm afraid that something bad is going to happen or there is a high probability that something bad is going to happen. You don't have to quit without having a job lined up. That's my point. Number one, if you move to something that, A, you actually are qualified for

and you have a high probability of doing a good job, and you have good character, guess what? And the people you're working for are good. And they're not jerks. And the work they're doing is good. That's right. And honorable. So now the probability of it working out is skyrocketing, and that's the reality. And if you get hired for that job before you quit your other one.

That's the other thing. I don't know where the risk is. That's my whole point. What's the risk? Your life's going to get better. Not that you're screwed either way. That's right. Let me tell you what the risk is in not pursuing work.

That you actually are good at talent. That you actually love, which is passion. And that actually you connect to the results of the work. That's mission. Here's the risk, Dave. That you get to the end of your life and you are full of regret because you never pursued that contribution that somewhere in your heart, somewhere along the way, you knew you desired to make.

In fact, now delineate for me the difference between I hate my job and it's sucking the marrow out of my bones and I just discovered this is like work and it's not always perfect yeah a big difference because i i also run into people on the other end of the spectrum who uh quit at the drop of a hat right the first time they encounter any kind of obstacle like someone for the first time telling them they're not beautiful pretty and smart and oh my god their little feelings and they're gone well you just identified that didn't happen to me but i just know well i'll tell you you've identified what's going on is that they've been psychologically shaken and here's where it comes from there's this work well by a phrase that we've adopted as truth and we've all heard this uttered before i don't even know who came up with it but it's if you love what you do

you'll never work a day in your life. That's a bunch of hogwash. I've said it. Well, it's garbage. Let me tell you why. You and I work our butts off. We do love what we do. We have hard, long days here sometimes, really hard days. And some days suck.

Some days do suck. And some seasons. And some seasons suck. And a calling will suck. And don't confuse that with, you you know because if you have the expectation snowflake that every day is going to be easy and you get a trophy at the end of every day and you eat gummy bears with john deloney at the end of every session right you know if you get this if you if this is your view on life you're about to get disappointed puppy you will spend

your entire life wandering yeah like a tumbleweed through the old western movies that's different than staying the job no matter what for 22 years and you hated every moment that's unnecessary suffering that that's those are two different things yeah you are settling in that case you are settling for uh mediocre or you are settling for below average or you are settling for suck so let me tell you uh jim collins talks about this he and i were having a discussion about it in person not long ago the and he talks about in the last book uh great by choice yeah he said people are not afraid of something that uh uh is a stated that that they're not afraid of real problems most of the time

but ambivalence yes not knowing it scares people to death yeah and so sitting in your job not knowing what peterson was talking about yeah that those two kinds of things not knowing causes you to not move that scares people to death yes so the way you get past the not knowing is you go through your seven steps. It's the seven stages in the book From Paycheck to Purpose. Get clear is stage one. Why is clarity so important? You just addressed it. What Collins is saying is...

Ambivalence will kill you. It's like driving into deep fog or a heavy rain to where you can't see past the hood of your car. That is terrifying. We immediately pump the brakes. We pull see past the hood of your car. That is terrifying. We immediately pump the brakes. We pull over to the side of the road. It's the same psychological feeling when someone goes, I don't know what my future is. I don't know how I get there. I mean, that's a real problem.

And so it is a paralyzing factor when we go, I don't know. So why is get clear so important? When I'm clear on all the different things i can do even if one of the options is painful of course i'm clear that's better than not knowing well if you show somebody well let's look at let's look at the context of the ramsey show for decades we've celebrated people and we will celebrate today people that have gotten debt free when you showed them a clear path via the baby steps, they knew how stinking hard it was going to be.

They went to the first couple classes of Financial Peace University and were like, are you kidding me? This dude that's yelling at me on the screen, I've got to do that? They know it's going to be hard, but they still do it. Why? Because they see on the other side of it. They see freedom from debt. No discipline seems pleasant at the time, but it yields a harvest of righteousness. We can do it.

When we see a desired future, we will endure pain and suffer. So I completely agree with – that was a 50-second clip. I completely agree with 47 seconds of Peterson. Yeah, absolutely. But you're screwed either way. I don't agree with that either. It's classic Peterson. It's a great line.

It's classic Peterson. But you are screwed either way if you freeze. Yeah, and if you accept the fact – If you accept the fact that risk is the only way to get out. That's a great line. It's classic Peterson. But you are screwed either way if you freeze. Yeah, and if you accept the fact. If you accept the fact that risk is the only way to get out. That's right. You can limit the risk by following a very clear path and a clear process for landing the other position that is better pay, but more importantly, a better environment with a better upside. That's right.

Better people and a better product than you're doing now. And you can leave the dumpy job with class. With class and never. After you've given it a fair shot. Yes. And know that when you went into it, here it is. The seven stages are get clear. I know what I want to do, why I want to do it.

Then I got to get qualified. That's the ticket to the dance. I got to get connected, Dave, because that's where opportunities come to me. I'm not beating doors down. Then I'm going to get the opportunity to get started. Now I'm focused on getting promoted, climbing up. I'm going to eventually get that dream job. And then I'm working like no one else to give myself away. I've made gobs of money, experienced tremendous meaning. Now it's about leaving a legacy. Those are the seven stages in the book from Paycheck to Purpose. And they work, by the way.

Nothing risky about those. Paycheck to Pur purpose at RamseySolutions.com. This is the Ramsey Show. We'll be right back. In the lobby of Ramsey Solutions on the Dead Breeze stage, Diane is with us. Hi, Diane. How are you? I'm great. I'm excited. Well, we're so honored to have you. Where do you live? I live in Charleston, West Virginia. Oh, very nice town. Very cool. Well, welcome to Nashville and all the way here to do a debt-free scream.

Yes, sir. How much have you paid off? I've paid off $31,718.31. I love it. How long did that take you? 36 months. Good for you. And your range of income during that time? I'm on Social Security and a small pension. I was between $19,000 and $20,000. Per year?

Per year. And you paid off $32,000 in 36 months? How did you eat? God. God provided. I'm telling you, manna. Oh my goodness. So what kind of debt was the $32,000? Well, it was a personal loan. It was some medical credit cards. And what else did I? That's good enough.

Good job. Well done. Oh, my mortgage. Oh, your mortgage. You paid off your house. Oh mortgage oh yeah there's that looking at a weird lady i love it no house mortgage way to go very cool all right so you are 100 percent debt free i'm debt free how long has it been since you were 100 percent debt free i've never been debt-free. I was never a natural saver.

I raised my two daughters alone, and I spent what I needed to spend. I just wasn't safe. So you're a retired single mom. Right. And how old are your daughters? Well, my oldest daughter has passed. And my youngest daughter is here with me today. She's going to be 50 next month.

Awesome. Very cool. What did you do? What was your career? I worked as an accountant or accounting clerk. Yeah. Bookkeeper and so forth. Yeah.

I worked for Blue Cross and Blue Shield for years. Okay, good. And that gave you the money to raise those kids and here you are retired and only $32,000 and you knock it out. Knocked it out. So what happened 36 months ago? Because this is a big change for you. Well, 36 months ago, the beginning of my story was in 2016. I got a call from my granddaughter that lives in Wisconsin, my daughter's daughter. And she told me that her mom was in the hospital. And I had no savings or anything. I couldn't get to her.

Mm-hmm. My oldest daughter was a kidney failure in the hospital in Charleston at the same time. Mm-hmm. And I had no way to get to Wisconsin. Mm-hmm. And I called my church and some friends from my church and asked them to pray for some kind of solution. I didn't know what to do. So they rallied around and came to my house and gave me money to get to Wisconsin to see my daughter because I didn't think she was going to make it.

She was in a coma, and they didn't think she was going to make it. If I wanted to see her, I had to find a way. So my church relative around me gave me the money. Then my grandson was there, and he drove me. We didn't have time for a plane, so he drove me all the way. Wow. Wow. So then.

That's a poignant wake-up call. Yes, it is. So you're saying, I've got to do something. I'm not going to be in this position again. Right. So then. That's a poignant wake-up call. Yes, it is. So you're saying, I've got to do something. I'm not going to be in this position again. Right. Never again. So then my oldest daughter passed in 2017. And so I was just an emotional wreck.

So I had to do something to go through the grieving process and, you know, get over her situation too. And it just, I didn't know what to do. So I started with essential oils and, you know, just to help me emotionally. And it really did. I. And it really did. I felt like it really did. But I went gung-ho with it and overboard and put it on a credit card and just run myself, you know, into debt.

And then – How did you get connected to us? Well, a friend from church had – I think in 2015 they put a financial peace class at the church but at the time i didn't feel like i needed it or they asked for a hundred dollars and i didn't have a hundred dollars at the time to pay for it so i didn't i didn't join it that time but i i knew after all this happened i knew who I could contact. So I contacted them and asked to borrow their book. I didn't know if you all had a book to teach you how to do it or what.

So I asked for the book. So I read. It wasn't the Total Money Makeover. It was like a money book. I'm not sure. Complete Guide to Money. Money, yeah. So I read that.

And then in July of 2018, I was – normally we would have a cookout with my oldest daughter, but she had passed. And so I was alone at you know that fourth of july so i i just got on youtube once i've read that book i got on youtube and started asking about dave ramsey and all that all that all that how can i how can i get out of debt yeah but i did pray i asked the lord you know lord i need to get out of debt and so um i started binge watching youtube and your shows and you are not the normal demographic that binge watches youtube i'm just telling you that would be your granddaughter i was desperate desperate to get out of debt and so i i uh i did uh binge watch and went back and just i don't know i heard you tell about the the first debt-free scream and i

thought and then when i saw the debt-free scream i thought this is the plan that i need i'm gonna do this here you are so here you are all right i'm gonna do something that will cause my mama to whip me but i'm gonna do it anyway because i think you're precious oh boy are you gonna do it dave yeah i'm gonna do it okay i gotta know how old you are i'm 74 74 i was 70 when i started this and in july of 2018 and the reason i wanted to be inappropriate for those of you listening we have the benefit of looking at this beautiful lady for those of you that are listening, we have the benefit of looking at this beautiful lady. But those of you that are listening, I want this to get your highlighter out and say anybody can do this and it's never too late. That's right.

Because you're a walking billboard. You're incredible. Thank you. You are amazing. On $20,000. And you are inspiring. You did this on no money. Yeah, $19,000, $20,000 and you pay off $32,000 in credit card debt

from the essential oil thing went bad, and get the mortgage paid off and everything else. Wow, I'm so impressed with you. The story behind the mortgage payoff, when I first started, I only owed about $6,000. And so I paid it down to like $2,500, and I was just, you know, I'm a Facebook junkie, so I put it down to like $2,500, and I was just, you know, I'm a Facebook junkie, so I put it on Facebook that I...

You're a high-tech lady here, I would say. Yeah, yeah, absolutely. I put it on Facebook that, woo-hoo, I'm down to $2,500 on my mortgage, and so my brother-in-law that I hadn't seen for 30 years, hadn't talked to him because my husband and I were divorced, and so the you know we wasn't close or anything but his wife had a Facebook page he wasn't a you know on Facebook but he stalked her so he saw that and he said usually at Christmas time he would find a family

in a church or something that he would give to so he i was in wisconsin that christmas with my daughter and i got a phone call that his wife had said my husband uh saw your and he wanted to pay it off he wanted to pay it off so i don't want to run out of time you're amazing thank you so much for being here that That's an amazing story. You're an impressive, impressive lady. Thank you. All right. It is Diane in Charleston, West Virginia. $32,000 paid off in 36 months.

House and everything. Retired on Social Security, making $19,000 to $20,000. She did this. This is an amazing lady. Count it down. Let's hear a debt-free scream. Three, two, one. I a debt-free scream three two one i'm dead wow that came from the soul there

first time in 74 years this is the ramsey show The Ramsey Show. So here's the deal. If 74-year-old Diane can pay off everything in three years on Social Security, I think all your excuses were just completely ripped out of your hands, and you get to go, that's pretty much a mic drop in your face some of you've been whining and sitting around talking about how the economy's bad and biden's in the white house and you got all these dead gum excuses while diane just goes and does it yeah boom it's amazing hey when the team gets together ramsey solutions we talk a lot about our mission to change America's toxic culture.

It makes us mad to see people trapped in debt or to watch kids sign away their future for a student loan. And for the folks that work here, this is not a J-O-B. It is a mission. If that sounds like a passion that you share, you've got to check out all the exciting roles Ramsey Solutions is looking to fill. ASAP, there's never been a better time to find a job doing work you love. We've got need for developers, UX designers, writers to help us build digital products that actually do something. They change people's lives.

To see what it's like to do work that matters with us before you apply, you can follow us on Instagram and Facebook by searching Ramsey Careers. Apply for your dream job at RamseySolutions.com slash careers. And you can actually go from paycheck to purpose the way Ken talks about. That's exactly right. Open phones at 888-825-5225. Cole is with us in Chicago. Hey, Cole, what's up?

Hi, Dave. Not too much. I don't want to take too much of your time, so I'll give you a little snapshot of what's going on with me. So I am $157,000 in student loan debt. I have $121,000 on a mortgage. I make $65,000 base with a commission that brings me to around $100,000 on a mortgage. I make $65,000 base with a commission that brings me to around $100,000 at the end of the year. I'm going through a divorce and once it's finalized, I'll have

somewhere around $50,000 in cash to my name at that point. And I just need a point in the right direction on what I should do to be a good steward of my money. How long have you been married? Just two years, but we were together for seven. Okay. Wow. I'm sorry. What's your career feel?

I'm a lawyer. Okay. All right. And how long have you been practicing law? This will be going on four years this May. I'm in private practice now, and prior to that, I was a deputy prosecuting attorney for the state. Okay. All right.

So now you're making a little money for the first time. That's good. Correct. Okay, because you were starving before, compared to your $150,000 of student loan debt. They get the law degree anyway. Right. That doesn't exactly set you up for junior prosecutor money when you've got $150,000 in debt.

You need more money, and so it's a good thing you're making some. So what we teach, Cole, is to work your way through all of your debt except your home first. It sounds like you don't have any debt except the student loan and the home. Is that right? That's correct. Okay. And so I'm going to take the $50,000, and I'm going to throw it at your student loan debt. I'm going to leave $1,000 in a baby starter emergency fund.

We call that baby step one. Two is get out of debt everything but your house. And I'm going to roll up your sleeves because you don't have anybody to hold accountable except the person in your mirror. You don't have to talk anybody into anything except the person in your mirror now. Your life is very clean and very simple. Sadly, and I'm sure your heart's broken, I'm sure it's not been a good process, but you're there. And the bad news is you're there. The good news is you get to make a choice now, and you can get after and knock this debt out in no time.

I mean, how fast do you pay off $100,000 making $100,000? I'll help you with this, two years or less. You live on beans and rice and you knock this stinking student loan debt out. Otherwise, you're going to be like your other broke lawyer friends walking around with debt around your neck 15 years from now because you haven't dealt with it. Right.

Get after it, dude. That's what I would do if I woke up in your shoes. I would use this opportunity and, you know, while you're healing from the broken heart and the grieving, the messed up situation you've gone through, and there has to be some of that, even if it's a fairly lightweight situation, it still breaks your heart, still leaves scars and scratches on your face, metaphorically, hopefully only. And so, you know, you got to go from there. And but the good news is it's a clean, blank slate. And I just roll up my sleeves and get with it. I would, too. To that end, I would be asking, how can I increase that commission? So I think he was on about a sixty

five thousand dollar base or somewhere in that range. And he's getting up to one hundred. You know, at this point, he needs to heal anyway anyway he doesn't need any relationships i'd be thinking about how i could use that law degree uh you're in private practice how can i increase that commission because i as i increase that commission that's it as i increase the commission i increase my speed of which i pay off that student loan yeah and so i'd lean in and throw the 50 grand at it, get on a really tight budget, not have much of a life, and just tear into work and for a short period of time pay a price so that you're free for the rest of your whole life. Too many people look at medical degrees and law degree, student loan debt as something you're going to have around for 20 years when you have the income to knock it out in two or three. And, you know, in your case it's two because you got this 50k to throw at it that's what i would do if i woke up in your shoes hang on i'm gonna send you a copy of the book the total money makeover that'll give you

the exact steps on how to do that am what's up? So this question is more so for Ken because it's reverting my career. So I guess it's not exactly what I'm passionate about. You completed nursing school and passed your bars at 19? Yeah, I just turned 20 when I graduated. Yeah, like an overachiever. You got with it. Yeah. But my senior year of high school,

I was between like dental hygiene and even wanting to be like a dentist in nursing. But I feel like my parents more so pushed me the nursing route. And now I just, I don't know if I'm totally satisfied and happy in my career. Why? Give me a short amount of time. What's the number one cause of uncertainty about nursing? What is it? I just feel like it's caused me a lot of like issues with anxiety and even, you know, some depression. I was working a lot of nights in a hospital,

and now I've transitioned to a clinic setting. And I feel like right now my anxiety, and it's a lot better now that I'm working normal hours. Well, and you kind of came through a pandemic that's a once-in-a-hundred-year event. Yeah. Amy, here's what I want you to do. I want you, I'm going to give you a homework assignment. Okay. I don't want you to make any decisions based on what you've experienced in the past. We're going to start fresh today and we're going to get clear. I want you to clarify and verify. So number one, I want you to walk through

what is better about the clinic side of things and the hospital and the hours. If your hours were better, and I want you to talk to nurses who have better hours and maybe work in not just a clinic environment, but other nursing environments. I want you to do a full scale kind of research project into the areas of nursing that you don't know a lot about and look at the hours and go, what was driving the anxiety? Okay. And maybe even see a counselor, not a bad idea. Okay. Now, before you make a decision about dental hygiene or being a dentist, same thing. I want you to hang out with some dental hygienist, coffee, lunch, and get the ins and the outs, the ups, the downs of that type of work. Before we make any kind of decision. We can't let emotions make us move from something. We have to allow our brain and our heart to actually get on the same page. When we're hurting, we're not very clear.

So A, we want to get healthy if we need to get healthy emotionally. That'll give us greater perspective. B, I want you to do some actual research on other types of nursing and the dental hygiene. And in doing all that, here's what I know. That is a process called clarify and verify. And when you clarify the ins, the outs, the ups, the downs of nursing and dental hygienic work or being a dentist, here's what's going to happen. Your heart will verify which direction you need to go. Don't make any decisions until you do that.

And the last two years are not a good platform to make a decision about your career from i would have quit doing this if the last two years were the reason to do it so it's just it's true good god oh hang on kelly's gonna send you a copy of paycheck to purpose this is the Ramsey Show. Hey, folks, Ken Coleman here. Did you know The Ramsey Show is one of the most popular podcasts in the world? Get your daily dose of advice on life and money. Check out all of our shows from The Ramsey Network wherever you listen to podcasts.