The Ramsey Show - App - It's OK To Admit You're Hurting During This Season (Hour 1)

Episode Date: March 15, 2021

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🎵 Live from the headquarters of Ramsey Solutions, broadcasting from the Dollar Car Rental Studio, this is The Ramsey Show, where America hangs out to have a conversation about your work, your life, your relationships, and even your money. I'm Dr. John Deloney, joined here by Ramsey personality and best-selling author Ken Coleman, and we are taking your life, or taking your questions. We're not going to take your life.

That would not be great. Very gruesome promise to start off the show. We're going to take your calls on work, purpose, life, relationships, money. Bring it on, man. They all kind of tie together, interestingly enough. When we lay out those buckets, you know, and you start to, depending on who you are, where you're listening, what you're dealing with today, what you've been dealing with the last week, the last month, you know, all those come together. John, I know that when people aren't happy in their work, they're not happy in their relationships because it kind of just spills out. When the guy goes home,

I'll pick on guys because I'm a dude. But it works for ladies as well. We know from all kinds of studies, when you're not doing meaningful work, you feel like you're stuck. You feel like you're not making any progress. That affects you in the home, and you see that come out as well. And then we know that, hey, if you feel like you're stuck financially, you don't feel like you can make a move to pursue work that matters deeply to you if you feel like your whole world is falling apart relationship wise money work that becomes secondary that's right they all everything works together yeah and i think we're feeling a convergence of that right across the country as people struggle with work and with money and with wellness and what does science mean what

politics mean what does my family relationship look like and should we stay together? It's just all landed right in our lap, right? Well, you know, let's just take a snapshot. When the pandemic hit, and of course in different parts of the country, you have more opening than other parts of the country. So, you know, it really is still a circumstance that has been hanging over large parts of our nation and certainly the world for a year, still hanging. And here's what happens when uncertainty takes hold of us.

And I think that's, John, that's what I just sense is since COVID came in, I just, there's financial uncertainty, professional uncertainty. It has exacerbated and made worse relationship uncertainty. Right. And boy, oh boy, we humans just don't do very well with uncertainty, do we? No, and I think most of us do one of two things, right? We clamp down and try to grab everything we can and fake certainty or you just

take off running, right? You cover up in the corner and just let the world spin at you, right? And it's finding the strength and the community and the relationships and the purpose

to get in the middle of that, right? Control those small things and then let go of the other things, right? Well, we talked about, I believe it was, oh, I'm going to say two or three i think it may have been early april dave ramsey rachel cruz and myself we did a live event here from our headquarters uh and we talked about was called a night of hope and the message that we drove home that night was that you control

the controllables focus on what you can control there's so much in this world that we cannot control yeah one of the things i talk a lot about on The Ken Coleman Show and helping people live and work on purpose is what happens when you're in a place of uncertainty or in a place of confusion? What do you do? Because that's an overwhelming feeling. The advice that I give is something that I do in my own life is that I retreat to clarity. So if I'm in a place where I'm in financial uncertainty or professional uncertainty or relationship uncertainty, I'm realizing right now there's a lot of things spinning around me, and I can't control it, John. I start to go, okay, I'm going to retreat for a second.

Not from the world. I'm not going to go to a cave and disappear. But what I am going to do is I'm going to just step back for a moment, whatever that looks like. Get some perspective. That's it. I call it getting clear. Just get clear. Now, what can I be clear on?

I'm clear that my wife Stacy's counting on me. My three kids are counting on me. Yeah. You know, whatever. If that's clear, get there. Right. And when I get there, I go, okay, that means I can't quit no matter how bad I'm hurting, no matter what's going on in my world.

There are other people counting on me. My team's counting on me. Right. Right. The Ken Coleman Show has a team. no matter what's going on in my world, there are other people counting on me. My team's counting on me. The Ken Coleman Show has a team. There are people that are listening every day. They're counting on me to show up. So for you in those moments, I'm just going to tell you,

step back and get clear. Get clear financially. Wait a second. What do I have to do to just pay the bills, the four walls? That's what we teach. Whatever your situation, relationally,

how do people get clear when it feels like their whole world's spinning on them yeah i think what i love what you say that just you got to back up for a second slow down stop right get some perspective yeah um and then sometimes ken like in in this weekend's a great example um you step back and you just got to sit down for a second right so? So I was telling you off air, and I hope I can get through this. Hey, man. The world lost a really remarkable guy from a community that I spent many years in, a guy I've known for a long, long time named Mark Rogers in Abilene, Texas, in a senseless, unfathomable car accident with his three lovely little

kids and his extraordinary wife, who's a longtime friend, president of Big Brothers, Big Sisters, a community leader. And get this. This is a story I don't ever tell. It was a dinner we had together years ago when he started his little podcast. It was the first podcast I ever did about being well outside inside relationships what does wellness look like outside of what we've been told and so ken my instinct is just like yours to pull back and say okay they're counting on me i gotta go back in sometimes you

lose a buddy when you lose a light you gotta sit down and just grieve it man that's right and so it's been a quiet weekend at the deloney House, sitting there, reflecting on sometimes life happens at you. And we're on the show talking a lot about how much advice we give and you've got to do this, you've got to do this. And I think it's dishonest and not truthful. Those are two separate things, right? It's just dishonest not to say, hey, life comes at us too, right? Yeah, well, we had a crazy thing. It's not a death with a friend,

but we lost our beloved Riggins this morning. Yeah, yeah. Long time. And here's the thing. Here's what we do, Ken. Unexpected. And I'm dying right now. Of course you are.

Because my wife's at home. She's about ready to tell the kids. It's like, what is going on here? What is happening? Where does this happen? He was fine last night and then boom and it's like what happens when you hurt and and you go i just want to shut down well you know it's good to chill a little bit but but but also and you lean on other people but then you lean on others you you come back out you say the sun's coming up up tomorrow. I think that's why we didn't plan to share this, but we're both hurting. Yeah. Different ways.

Yeah. And it's like, you know what? And there's no competition with grief, man. No, there isn't. And there's a lot of people hurting right now. A lot of people hurting that are listening today. You dialed in and you're going, okay, we got Deloney and Coleman. But maybe you were supposed to listen today because you've been through a season of pain.

Maybe you're in a storm right now where it just feels like financial storm or professional storm, relationship storm. Maybe it's all three. Can I just tell you? A, we know what it feels like. We've been through all three. We're sitting in it right now. We're sitting in it now.

Yeah, it's been a heavy season. Yeah. And I want to give people permission to both stop and exhale. Yeah. Take a knee and pray. Look at other people and say, this just sucks. I wish there was another thing to say. And if you are in a season of sunshine right now,

that's where you walk alongside people who are hurting. Somebody else. So here's the deal. 888-825-5225. That's the number. We'll hurt with you. We'll love on you. Sun's coming out tomorrow, I promise.

888-825-5225. Somebody needs to call. We're here waiting on you. This is the a smart move. I get questions all the time about where to start and what to do first. One of the most crucial and affordable first steps to take is to protect your family and get term life insurance. I know it's not glamorous,

but all the other steps mean a lot less if something happens to you and your family has no financial protection. Getting term life insurance needs to be a top priority. I recommend 10 to 12 times your income and lock in rates for 15 to 20 years. This gives you plenty of time to get out of debt and build wealth. I've been recommending Zander Insurance for over 20 years, and they understand and live this strategy, and will take the time to help you find the most affordable term life rates.

Go to Zander.com or call 800-356-4282. It's not that expensive, it's not complicated, and you need to do it now. This is the Ramsey Show. I'm John Deloney, joined here with bestselling author Ken Coleman. We're taking your calls on relationships, life, whatever's going on in your world. 888-825-5225. 888-825-5225. Let's go out to Salt Lake City, Utah and talk to Cherie.

What is going on? Oh, you know what? Hey, listen. I'm so glad I have the, and talk to Cherie. What is going on? Oh, you know what? Hey, listen. I'm so glad I have the chance to talk to you. Well, I am thrilled to talk to you. It's Cherie, right? Yes, yes, it's Cherie. All right.

We're good. I immediately, listen, you have to know this. The call screener, Zach, is sitting in for Kelly today, and he got on my headset and said, it is not Cherie, it is Sherry. And I said, great. And I promptly answered the phone, what's up, Cherie?

So I need everyone in America to know that was my fault, not his. So go for it. Oh, well, my question is, well, I'm trying to figure out right now how I get my 16-year-old to focus on the future without driving her absolutely crazy in the process. Uh-oh. I've heard this call before.

So give us a little bit more detail on what this conversation has looked like to this point, and then I will answer that. Okay. Well, I'll first tell you a little bit about my daughter. She's 16. She'll be 17 in a couple months. She's very bright. She's kind. She's witty. She's sarcastic. She's articulate. She's very artistic. And she has big, big dreams of doing something like in Hollywood or going to New York and being a performer or being a voice actor or being an artist. And I know she's so good at all of this. She's very good at all of this.

But I'm trying to kind of let her know gently that there might be a chance of her having to do something while she's getting her foot into the field, and she doesn't want to hear any of that. Like what? What's your suggestion? What do you mean? Well, my suggestion to her is to look at some things to what you can do for your day job while you are searching for this, while you're improving your art. Wait a second. Okay.

So let's recap, Sherry, because I want you to hear what you told us. We started off a phone call saying, guys, I need your help helping my 16-year-old take her career or her future seriously. I asked for more details. Then you went into how bright she is and how talented she is and how big her dreams are. So Sherry, we have a conflict. We don't need to help her get serious about her future. She's dreaming big. That's what I would want to give as a gift to every parent of every 16-year-old in the

world is a kid who's dreaming big sherry that's really good news it's sherry your safety muscle your parenting gland i'm making these things up they don't exist john there's for sure a parenting gland there is it's on overdrive right now and you're like you're basically telling your kid you need a plan for when your dream fails that's what you're telling your daughter and i know you're not saying that but that's what she's hearing and the reason she's hearing that sherry is because that's what you're projecting so sherry i love you i've got three teens sherry i'm not picking on you but guess what this kid knows that when she goes to new york or.A., she will have to pay rent,

and she will have to come up with food. This kid knows this. Don't you think? Yes or no? She does. She does. All right, so listen. So that's what I'd call a day job, three or four waitressing gigs or whatever she's got to do.

But that's not what you're talking about. You're trying to talk her into some type of safe career backup like being uh you fill in the blank and that is driving her bananas and she's going mom i don't want to do that and can i also just set you free sherry because you're the one that needs to be set free if she goes for those dreams and i hope she does and i hope you're her number one cheerleader because if she goes for it and it doesn't work out for whatever reason she'll fall back to something but we don't we don't encourage our kids if they play in a sporting event or they play a musical instrument hey at your recital next week do a good job but have a good excuse in your back pocket if you don't play well would you ever

dream of telling your kid that no but that's what you're telling her in her life. So, Mom, you need to relax and you need to say, how can I support you and how can I help you? And I'll help you find a job. I'll help you find a place where you can rent. I'll help you find a second or third roommate. I just want to support your dream. Anything that Dad and I can do to help you stay afloat

and stay in the game while you go for it, I'm all in, babe. That's what you need to be telling her. Okay. To make your heart feel a little bit lighter here, because you are going to have to do your work here. 16-year-olds are 16, right? 16-year-olds are 16.

And so when a parent goes full in support on their dreams, like Ken says, one of two things will happen. You will help fill that rocket with jet fuel and it will take off or they will realize it's not as cool when mom thinks it's cool, right? The second thing is this. Sherry, if I look back over the arc of my career, I've done a lot of schooling and sat in a lot of classes. If I was to tell you the number one thing that I have fallen back on as a senior administrator at

multiple universities, now in this cartoon job that I have right now, I'm just living this fantasy world, has been my experience in theater, my experience playing with music groups, my experience in front of other people. That will help her.

If she decides, as Ken said, if this thing doesn't work out down the road, you will never, the skills you learn working on a team and on a film crew, the skills you learn speaking in public, having to come up with, learn lines and project them and to help learn from all these different bosses, all of those things will go into her repertoire and she will take over whatever else job she wants to do. So you can't lose by encouraging your daughter to work on a team, as a part of her art, work on her art.

What you can do, though, is, man, if she wants to go all in, man, let her know. Like Matthew McConaughey told us, Dad said, you're going to go all in. You're going to go all in man let her know like matthew matthew mcconaughey told us yeah dad said you're gonna go all in you're gonna go all in you're gonna work really hard don't screw this up and here's the deal sherry uh you gave me enough evidence to believe that this is not a delusion that she does have the talent so what so if she doesn't make it on the la level or the new york level who cares maybe god's got a different place for her, but it was pursuing that path that led her to her ultimate position. If a kid's delusional parents, yeah, shoot them straight.

Let them know the real real, okay? But this girl's not delusional. She's got a dream, and she's got talent to back it up. So I would tell you, Sherry, maybe even an apology might be necessary here. Not that you've done anything really wrong, but just say, hey, babe, I care so deeply about you as your mom. I'm always trying to protect you. And the reality is, is maybe I tried to protect you too much. Here's how I'm going to support you.

That's what I think is necessary here. And then let her fly. I love, again, the idea of a parent taking their kid out and saying, you know what? I've been the breaks here. Yes. And so starting today, I'm going to be your number one fan. But if we're going to do this, we're going to go all in. And you're going to get really good at this.

And you're going to take classes. And you're going to work really hard and, and, and, and. Right? And I'm going to be on the front row of your plays. And I'm going to, whatever that looks like, we're going to support you. We're going to support you all in. I love that, Ken. Well, let me tell you something.

I deal with adults who call the Ken Coleman Show every day that are 35 and 45, and they feel like they don't know what they're doing. As I begin to dig and ask them questions, I've had so many just break into tears, men and women. And I'll say, why didn't you pursue it? This thing that we just got out of you, and I can't tell you how many times they've said, because my mom, my dad told me to do something smart and safe and smart and safe is sucking the soul out of people that's what's happening you were created to fill a unique role you are needed

you must do it and parents we got to wake up because if we try to push our kids into a safe college and a safe degree and a safe job, we might be stepping on their very souls. I can tell you how many law students, pre-med students, medical students that I've talked to and then said, I said, what are you doing here? They can't stand it. I have to. It's the only way. It's my only path. Minister students, any amount of students, teachers.

You don't like teaching. You don't like kids. Right. My mom said this is what we do in our family. Yeah. Parents, follow your heart. Not recklessly, not idiotically. No.

As kids say, you'll know. I've met with a lot of students that are like, hey, I'm supposed to be a singer. Then you hear them sing and you're like, no, you're not. You're not. Yeah. But if your kid's got the talent, get behind them. Support them. The world has plenty of people that will tell them that they're not good enough.

Yep. Let you be their cheerleader. Get in their corner. This is The Ramsey Show. I'm John Deloney, joined here with Ken Coleman. And one of my favorite things about the Ramsey Show, standing here in the lobby on the debt-free stage, is Bryce. What's going on, brother?

Not much, man. I just want to say I'm grateful for being here. So thank you guys for what you do. We're glad you're here, man. So where are you from? I'm originally from Illinois. I just moved to Houston, Texas two years ago. All right.

That's my hometown. That explains the boots. The boots look good. Those are debt-free boots, by the way. That's exactly right. You've got a debt-free stance about you. All right, man. So what'd you pay off?

$28,750 of student debt. Wow. $28,750. So no other debt. No other debt. Just student loans. What's your degree in, man? Occupational safety debt. No other debt. Just student loans. What's your degree in, man? Occupational safety and health.

Occupational safety and health. Is that what took you to Houston? Yes, sir. All right, man. How long did that take you? Six months. Wow. Oh, dude, you're not screwing around.

Luckily, I got a good job coming out of college and threw everything I had at it. What's your range of income? $75,000 to $82,000. That a boy. college and uh through everything i had at it what's your uh range of income 75 000 to 82 000 oh boy and that's that's during uh i've heard rumors that it was kind of a messy year or two yeah yeah so what happened six months ago that you said enough man well i mean I came out of school. I transferred into my university debt-free. So once I got into my university, I then graduated, and I didn't want to have that debt lingering. So hold on.

You transferred into university debt-free, and you thought, let's rock and roll? Not a mistake, or kind of a mistake to get back into debt. Was it party money, or was it for uh there you go yeah a little bit a little bit you guys can't hear the lobbies yeah i can hear them it's booing in a little bit yeah they were giving him some grief they're enjoying it out there that's right so one guy's got popcorn out there he's enjoying that line so much so you decided hey i've got one year left two years left let's live it up a little bit. You lived really nice in a really nice apartment. No, not at all.

Oh, so what'd you spend the money on? Just stupid stuff, man. Atta boy. Yeah. All right, so then you get this new job, then what? So I got the new job. Just from there, I just started throwing the money at the debt, and I wanted to get rid of it.

I wanted to be able to have a life that I could enjoy because, you know, moving down there, I had less than $1,000. All my family's backing up in Illinois. So I really didn't know anybody and just wanted to make sure I got that debt out of the way so I could live the life I wanted to have. So do people give you grief for making that kind of money and driving the same car and not going out and hanging out? Oh, yeah. All my coworkers, pretty much everybody that I know gives me the grief. I purchased a car for about $1,200. Attaboy!

Luckily, I'm mechanically inclined, so they all told me, you know, it's going to go down in a few months. But I fixed it, and now it's a little over 40,000 miles down the drain. Now, did you ever question this decision? Once you started getting that negative peer pressure, did you start going, oh, man, do I really want to do this, or were you a rock? Oh, every step of the way, I mean, I had that lingering thought. I was like, well, I could be doing that, And then I got my student loan paid off in six months.

How do you like them apples, right? Okay, so who got you on this program? So actually back in high school, my grandma and grandpa bought me a book. And it was talking about what not to do in college. So I went through college without any credit cards. Still don't have a credit card. So really they went through financial peace university and stuff got me hooked on it and then once i went to college uh i had a

three-hour drive back and forth from home and really uh the dave ramsey podcast kept me awake going back and forth from home so oh that's good it puts a lot of people to sleep so i'm glad i kept you awake that's wow man wow you know dave's not here today john's feeling very brave with the jokes uh so big fella i got a question for you what what what does it feel like now on the other side of this intense six month run uh just a huge sigh of relief honestly um in the grand scheme of things it wasn't that much debt um for me it was a lot um sure i listened to the show and i hear you know some people talk about how uh massive of debt they have and you know i'm grateful that uh i got to you guys pretty pretty soon so so i don't want you to ever get in

the comparison game starting now debt is debt and debt, and $20,000 can feel like $2.8 million, right? And it weighs you down, and it keeps you from moving through life the way you want to. Who was your biggest cheerleader? Who walked alongside you in this crazy six months? For sure my parents and then my grandparents as well. Okay. What was it like calling grandma and grandpa and letting them know, hey, guys, I transferred debt-free, I had no credit cards no credit cards and then i decided you know what i'm a handsome guy i need about twenty eight thousand dollars of just play money yeah they they weren't

super excited about that but uh no i'm kidding i'm kidding they were super stoked they were happy for you so what now what are you gonna do now so So I'm going to go on some vacations. Okay. That's why I decided to fly here because I wasn't turning down the chance to come here and talk to you guys. That's awesome. That's so cool, man. What's the key? People are listening right now. Other young fellows, young ladies out there, they're in their prime.

They're out there experiencing the world. They can do a lot of fun things. But if they do what you did, they're going to have to choose to sacrifice big time, and it's not so fun. What would you tell them the key is to get through all of that? Just be weird. Don't listen to what everybody else does. Pick your own path, and then you can be debt-free and stress-free. Very cool.

Love it. Who you got with you? I see a pair of shiny white boots behind the camera. This is my girlfriend, Mackenzie Grimsley. Very cool. Love it. Who you got with you? I see a pair of shiny white boots behind the camera. This is my girlfriend, Mackenzie Grimsley. She flew. She's just moved into Houston with me. Okay. She flew in with me as well. So wait a minute. You're telling me you can be on a budget and pay off debt and have a beautiful person chase you across the country? Yep. I thought that was mutually exclusive. Nope. Not now. Any big plans you'd like to announce here on the Dave Ramsey Show live? Or excuse me, the Ramsey Show?

Look at me putting him under pressure. I thought we could have a moment here. Listen, I'm not trying to put pressure on you. I'm just selfishly trying to create a great broadcasting moment. Yeah. No? Listen, this is all about us two. If you were to actually make this happen right now, this clip lives forever.

Him and I benefit from this. I don't know who's more embarrassed, her or him. It might be a tie. This is fantastic. You know, I thought about it, but my best man kind of forgot the ring. Oh. I love how you're deflecting that and blaming it on other people. Well played, man. Well played.

Alright, well Bryce from Houston, Texas paid off $28,000 in not one year, but six months during the middle of a pandemic, making $75,000 to $82,000. And he kept his girlfriend. Yep.

Rattle it off for us, brother. I'm debt free. There it is. That was fun he was sitting there going boy this this this is really happening did you see that that was the pause he looks up and he's going wow i actually did this that's the reddest face i've seen on that stage i think well we did we did put a little extra pressure on him because we can you know and we'll apologize to him on the break. Absolutely not. You had it shot, man. He's going to do it like in a restaurant in Houston now later on. Not going to be near as cool.

We tried to help you out. She actually emailed us before the show and said to pressure you. No, that's not true. It's not. Oh, my goodness. Can you imagine? Well, I'll tell you. I didn't make anywhere near that when I graduated college.

Oh, yeah. This young man has got a bright future. I got out, and then I ended up in more debt making good money. Yeah, he's making between 75 and 82. Let's say he's at that 82 right now. He's in great shape. Now he's just moving along through the baby steps before he knows it. He's a net worth millionaire.

His whole life is different. Yeah, his whole perspective. I love that he's taking trips. I would say to you, young man, when you take trips, use that time not just to recuperate and kind of restore yourself from a time of great sacrifice, reward yourself, but also think big. I mean, what could you do if you have no debt? What could you fund now that you don't have the tremendous burden that so many young people your age have? I got to tell you, as a guy who's always preaching live and work on purpose, now there's really nothing holding you back from what your dream is. What's your contribution that you're going to give to the world through your work and through your relationships?

So, man, we're really proud of you. Thanks for sharing that debt-free screen with us. It is our favorite part of the show and always will be because it's the moment when men and women step triumphantly across a very impressive finish line and it's all about freedom. So thank you, sir. Really good stuff, Bryce. And you don't know what this feels like yet, but take it from two guys with kids, your kids will never know the stressed out dad who is worried about losing the house because you did stuff on your own good for you it's legacy changing stuff man good for you bryce this is the ramsey show 888-825-5225.

This is The Ramsey Show. I'm John Deloney with Ken Coleman, and we are taking your calls on work and purpose and relationships and your money. Let's go to Zach in Cincinnati, Ohio. Zach, what's going on? Not much, man. Just working on living the dream, I guess. There we go.

So what's up, man? How can we help? So a few months back, I bought a $30,000 car basically just because I needed something that was good for the winter. I had a rear-wheel drive sports car, so I bought a four-wheel drive 2017 Jeep. $29,000 in debt. I work full-time and make about $13 an hour. I'm a full-time student, but my school is paid for. So my mom kind of said, hey, let's buy this car,

and then you can just use the Ramsey plan to pay it off. But after watching more of the content on YouTube, I guess the Ramsey plan. Yeah, that's not the Ramsey plan. Yeah, we are not fans. We should clear this up for everybody, parents included. We are not for you buying a car and then using the debt snowball to get out of it. It's not a one-two punch. It's kind of, hey, you know what, high-five your mom not a one-two punch. It's a cut of eight.

You know what? High-five your mom. Well played on her part. Yeah, nice move, Mom. So what's your question, Zach? I guess my question is, I looked up the Kelley Blue Book value. It's like between 25 and 27. I owe 28 currently.

Should I, at this point, just pay down to the value and then sell the car? Because I can do that at the moment. Or should I just try to take that snowball approach to it? Give us the numbers. When you say you can pay something on it, what's that number? So I can put probably about $2,800 on it this month to get me down into the range of the Kelly Blue Book value. I make $1,600 a month roughly. this month to get me down into the range of the kelly blue book value i make sixteen hundred dollars a month roughly i could make more and work more and get another job over the summer

to help pay the car off yeah but like just off of what i'm going off of now i make about sixteen hundred dollars a month i have five hundred dollar car payment yeah well so it's kind of a both and so here's what i want you to do uh you you need put the $2,800 on it, but you need to be working extra hours. You can do that now. You're a young guy. Just go, go, go, go, go. Let's pay more of this down so that when you sell it, you've got something to play with so you can buy a car that's, you know, a $4,000 or $5,000 car that will easily take care of you. Yeah, and, Zach, I would even go one step further.

I would see if you could list this thing tomorrow and see what you can get for it. And if you can end up, I don't mind you taking out a small loan to pay the gap off and taking that $2,200 and going to buy yourself a car with cash, a beater car, and then working really hard to get that small loan paid off. Because you're going to go from, I know it sounds weird for somebody on Dave Ramsey's show

to tell you to take a loan, but you're going to go from owing, what, $25,000 on a depreciating asset to owing, let's say you can get 26 for it, there's a sucker somewhere, and you're going to owe that $2,000. You're going to take that 2,800, you're going to pay that $2,000 gap,

and then you're going to save up a little bit of money and then buy yourself a car that's going to get you to and fro. You've got no business, man, being in a $25,000 car making $1,600 a month. The only thing I'd say is if you do John's plan, you've got to have a car or you're going to have to plan somebody's, you're borrowing a car. So if you need transportation, there's a couple ways to get this thing knocked out, but knock it out very, very quickly. This is not something I'm going to take my time with.

This is let's knock it out quickly, get yourself a much cheaper car, and then start building back. Yeah, I had $5,000 saved up on it. And truth be told, I thought it was a bad idea, but I seen the Jeep and then got kind of like. Hey, listen, don't beat yourself up. We've all had that happen at some point in our lives where, you know, the car looks really shiny and starts to whisper, buy me, buy me.

Hey, man. And if you get out of life with your stupid taxes, $4, $3 a year, come on, man. Decision taxes, $3,000, $4,000. Man, you've won. Dave talks about his stupid taxes had multiple commas in it. So you're good, man. You're good. Learn this lesson now as a young man

and then move on, man. You're never going to do this again and you've got a bright future ahead of you. Good for you. Hey, Ken, you have spent the last year during a chaotic season walking with people who have been furloughed,

lost their job, had their cage rattled enough to go, I've been living somebody else's life for so long, and I'm not doing it anymore. Because life's too short. I don't know what's coming our way. I'm going to make some changes here. You've been taking hundreds of calls throughout this year,

so much so that the world has essentially demanded, hey, let's do something big. Walk me through what you're doing, man. Yeah, so we're going to bring back a very popular Ramsey Solutions event that we did last year. I believe it was June of last year as people were really beginning to feel the shock in the job market as it contracted so quickly. And so we're bringing back the Get Hired event. It was a wild success last year. We're going to bring it back.

It's the first three stages of my seven stages to meaningful work. On the Ken Coleman Show, if you're new to me as a part of the Ramsey Solutions personality group, and of course our show is a part of the Ramsey Network, so I'm helping people figure out what they were created to do in their work and then making that meaningful work a reality. And so there's three stages that start off our seven stages. Get clear, get qualified, get connected. And so we're really going to hone in on those three stages at this Get Hired event. It is a live stream event. We're going to actually have a live crowd, John, here in Nashville. Stop the madness, kid.

Yeah, down in our gorgeous, gorgeous atrium area, and we're going to live stream it around the globe. It's April the 27th. And I would point out, for some of you, financially, you're in a place where you can afford it. You're looking for a trip. You just want to get out of your state. We're doing live events. We're healthy here in Nashville. So if you want to come, it'd be a great, great trip. And so it's limited live seats, but

most of the ticketing just starts at $20. We have multiple tiers, but just your basic ticket to watch it anywhere in the world, $20. You can purchase the tickets at DaveRamsey.com slash events. April 27th. April 27th. Put it on your calendar right now.

April the 27th is our Get Hired event, and it starts at 8 Eastern, 7 Central time. Tickets start at just $20. DaveRamsey.com slash events. Who is it for? It's for people that are starting out. We've got a lot of college kids, John, going to hit the world in May, June. It's for people that are looking to switch careers.

It's people that are saying, hey, I got furloughed or I got laid off and I've been doing two or three part-time jobs. I'm ready to get back in the full-time situation and get that shovel bigger so I can get out of debt. So if you need to get hired, you just let that sit for a second.

I want to get hired somewhere else than this event is for you. It's April 27th, 8 Eastern, 7 Central. Tickets, DaveRamsey.com slash events. And I would say, if you want to come to Nashville, this would be a great, fun trip. We're going to do some really special stuff for the live crowd. It'll be a couple hundred people. Very limited. Very safe. Very healthy. I think there's a fourth person I'd like to throw in there that I've heard through my show.

I always like a fourth person who could buy a ticket. So here's the thing. I bet there are untold people. We talk about the last year has been really people living in and out of a crisis. Business owners, small business owners, big business owners. We had the election. We've had the market roller coasters. We've had just chaos on top of chaos.

Sometimes in chaos, you find out who your leadership really is. They emerge, right? And you may have been distant from your leadership. You may have been close to them. And in good times, everybody's smiling. And then all of a sudden, something catches fire, and you find out how people respond in chaos. You find out how people respond when things get hard,

and suddenly you realize, my values don't align here anymore, or I don't want to be a part of this thing going forward. But you've put your time in, you've put your years in, you're on a career track, and you don't know what to do. I love that, yeah. And just being able to back up, like we talked about, at the very beginning of this hour,

you've got to back way up, slow down, and start with part one of your plan. You've got to get clear, man. Well, that's a great point, because a lot of those folks that John just described, what you're feeling is, wait a second, I'm too successful, I've got too get clear, man. Well, that's a great point because a lot of those folks that John just described, what you're feeling is, wait a second, I'm too successful. I've got too much money

invested in my 401k here. I've been here so long. I've been very successful in this industry and here's two things that happen. Number one, you feel like you can't move on.

Oh, Ken, I'm in my late 40s. I'm in my early to mid 50s. Ken, no one's going to want to hire me. That's that golden handcuff for you young people that are watching

and listening to the show today. That's where that comes from. I'm making too much money. I'm too successful to change. And that's simply not true. Certainly not with the economy booming the way that it is now and technology becoming easier and easier and easier to get into. I mean, we have people that are called the Ken Coleman Show, John, mid-50s, and they'll partner with Bethel Tech, one of our partners here at Ramsey and the Ken Coleman Show, and within nine months, for less than $15,000, they can start technology for $75,000.

That's just one example. So it's not too late. It's not too late. Join us at the Get Hired event. It's going to be fun. All right. That's first hours in the books. I just want to thank Zach and James, running the boards and the phones.

Ken, thank you so much. Always fun to hang with you. We'll see you soon. This is The Ramsey Show. Have a friend or family member that needs a daily dose of Ramsey advice in their life? Let them know about the Ramsey Call of the Day podcast. It's a quick hit of advice about life and money in under 10 minutes. Check out the Ramsey Call of the Day podcast wherever you listen to podcasts.