The Ramsey Show - App - Learn to Live in the Now Instead of the Future (Hour 1)

Episode Date: December 18, 2020

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Live from the headquarters of Ramsey Solutions, broadcasting from the Dollar Car Rental Studio, this is the Dave Ramsey Show, where America hangs out to have a conversation about your life, your work, and your money. I'm Dr. John Deloney, here with my good friend, the handsomest-faced in radio radio, bestselling author Ken Coleman. We are taking your calls.

More about life and work today. Yeah. We can try a money call. Yeah, we'll take your garden variety money question as well. You know, we've done it. I've taught FPU multiple times. I've hosted six years of smart money events. I've sat by Dave for a few months.

There we go. We have a general idea, but we're going to have fun today. And I think what's fun about you and I teaming up is here we are, two Ramsey personalities that aren't doing money shows, aren't doing money content, but we are doing life content. All day. You think about work, working on purpose, which is my cup of tea, and we think about healthy relationships, your cup of tea. You know, I get lots of phone calls on the Ken Coleman Show that involve relationship and marital stuff

along with this pursuit of work that matters. And I know you get the same thing. And vice versa, that's right. You and I are very excited about the type of calls we get and how we're going to be teaming up in the future because if you think about relationships and work, those are the two biggest buckets of time that every human being has. That's exactly right. And as Dave has been saying for 30 years, how you spend your money is usually indicative of the shape of your relationships,

the shape of your work, the shape of your soul here. So let's go to Eric in Indianapolis. Eric, how in the world are you? I'm doing great. How are you guys? Outstanding. Thanks for the call. What can we do to help?

Just a question I had for Ken and you, John. Recently I had a conversation with Superior. We were working on a project and came to a successful conclusion, had some good things go my way, and then after the project he he asked me, you know, to kind of tone it down with the successes next year, because he didn't want to feel replaceable by his superiors who are above me. And they both asked me to be on the project. I'm just trying to think about how to respond to that in the new year, or if to respond to that at all. Well, I got to know a little bit more about that. Was it, hey, man, tone it down.

I don't want the bosses to think that you can take my job. Or was it really, really serious? I think it was in a serious tone, but knowing my boss, he kind of tried to play it off. But then it was kind of funny. The next day he got the recognition, I think he thought he was missing. And so he tried to play it off again. So I'm just trying to, you know, you see that relationship and you see it, you know, you see a different side of your boss. Yeah, it's unfortunate. That's not healthy. But I'm not sure there's much you can do about his

own health. I think I would sidestep that a little bit of a bullfighter, you know, with the red cape. And what I would focus on is doing the best job that you can do. And those other leaders, his leaders, superiors, I assume that not only did they ask you to be part of the project, but they very much saw your contributions and they noticed what you did. And I think you keep doing the best job you can do, and you don't worry about his insecurity because that's what that is. That's insecurity. That's exactly right. And it's been my experience that through my years of work, Ken and Eric,

I think nobody's watching. I think I have a boss that's taking all the credit. People know. People know when you're doing good, solid work, when you're humble and you're kicking butt and you're getting your work done. Most of the time, people know. Occasionally, you get a deceptive boss or deceptive leader there. But most of the time, you know. I love that recommendation, Eric. Go about doing excellent, excellent work. And Ken, you can help me with this because you take this call every day. Are we working to make sure our boss likes us, or are we working for the innate sense of we're doing excellent work? Yeah, that's a great point. And the answer is we are working to make the contribution that we are supposed to make. And that supposed to make has two applications to it.

Number one, you're getting paid a wage, and in this case, a fair wage to do a job. So there's some duty involved. Do the job you're supposed to do, and do it to the best of your ability. That's high character. That's honor. Then there is, as you walk the seven stages that I teach on the Ken Coleman Show, to work like no one else, which is to get in that dream job and then give yourself away. It's about legacy.

It's not working for money. It's not working for affirmation. It's working for contribution to make your world, that little speck in this gigantic universe that we're in, a better place. And so, you know, John Quincy Adams said it best, John, so I'm going to go to the history machine for you on this one. Let's do it. Our sixth president of the United States once said, duty is ours, results are God's.

Now, if you're not a person of faith, that still holds a tremendous amount of truth. Duty is ours, and the results aren't largely up to us. Right. There's so many things outside of what our duty is that we cannot worry about. In a situation like this, Eric, as John said, you do a great job. You do the best job possible. And you make the case, and I don't mean through your incessant self-promotion on a witness stand or on a platform, but you make the case through your effort and through your results that you are tremendously valuable to the organization.

And if it happens, and it does, so everybody listen here, because you can do what John and I are saying and be in an unhealthy organization with unhealthy leaders and still get whacked. That's exactly right. Happens every day. And you go, well, wait, wait, wait, what now? Well, guess what? Go to a healthy organization. Learn what's healthy, what's not healthy.

And don't take your value, don't take your cue on how valuable you are from unhealthy people. There you go. They don't get a vote, man. They really don't. Now, it feels that way, and I get the feelings. So I don't want to minimize feelings. Right. Because even in this situation, here you've got a leader who is insecure.

So we don't know how unhealthy he is but in a moment of insecurity which we all have we make a little comment i do it probably every day and don't even realize you make a little comment oh it's clothed in jest it's got a lot of truth to it a lot of truth it's the it's the old guy that we all knew in college that would say hey you want to go uh you know tell tell the group of girls any one of y'all want to make out tonight and you know they would be like no weirdo he'd be like dude i'm just kidding what's wrong with you but if one of them was to say yes he'd he'd surely take him right so there's the jest clothed in yeah there's always a little bit of embarrassing me how much truth is

in every joke john probably a lot the better jokes are more truthful, right? Oh, okay. So the better the joke, the higher level of truth. Yeah, the more gold in that grain of truth is. And I've got one more question to ask you, Ken. I'm learning about work here. Okay. Eric kept referring to his boss as, quote, his superior. And I know that's semantics.

Yeah. That didn't feel right to me. I like that. I see where you're going there. Yeah, I don't think that's't feel right to me. I like that. I see where you're going there. Yeah, I don't think that's a word game. I see what you're saying. I think that's important

to step back and go, I have to honor authority. Absolutely. We all do. We all have authority. I shook hands. We've all got leaders. We've got bosses.

Yeah, but I don't let their comment threaten me. I cannot be threatened by someone who, even though they hold positional authority over me, I cannot let them by someone who, even though they hold positional authority over me,

I cannot let them threaten my contribution. See, this is where we start talking about working on purpose. That's what we talk about on The Ken Coleman Show. Listen, you're supposed to do something. The world needs it. Desperately. So do it, and do it well. And forget all the haters and all the doubters and all the lids in your life.

Do it anyway. Don't let anybody hold you back. This is The Dave Ramsey Show. you've worked hard to make your business successful blood sweat tears and prayers because as a business owner you are the secret sauce and your company is only as strong as you are. So what happens if a key ingredient is missing? And what if that ingredient is your health, resulting in expensive medical bills? Christian Healthcare Ministries, or CHM, presents health cost sharing. It's different from insurance in that Christians help other Christians to meet their medical expenses. Various programs are available depending on your needs and budget.

As a Better Business Bureau accredited charity, CHM has helped its members successfully share over $5 billion in each other's medical bills for nearly 40 years. Various programs are available depending on your needs and budget. Learn how CHM has served small business owners just like you by visiting chministries.org slash budget. chministries.org slash budget. That's chministries.org slash budget. This is the Dave Ramsey Show. I am John Deloney here with best-selling author and good friend Ken Coleman. We are taking your calls on work, on life, on purpose, on holiday drama in your house.

Oh, yes. You just got laid off. You don't know what's next for you. What do you do next? You're in an unhealthy work environment. You want to be a better husband. You so badly want to be a better parent. Give us a call. 888-825-5225. That's 888-825-5225. Let's go to Sadie in Sacramento, California. Sadie, what's going on? How can we help? Hi, Dr. John and Ken. Thank you so much for taking my call. Thank you for calling in. Appreciate it. What can we do? My question is, how can my husband and I be motivated and really excited about saving for a house at Baby Step 3B

when we're making great progress, but we don't have a clear picture of where we can buy a house that's affordable in Sacramento, and we're open to moving out of California, but don't know where. Well, there's a lot to break down there. Well, let's just break down the root word of motivated, and what is that root word, Sadie? It's motive. Motivate? No, it's motive my motive motive right so to be motivated you have to really get clear on what your motive is so why in your short answer do you and your husband want to buy a home what's the big why why do we want to buy a home yeah why do you want to buy a home what's the big why why do we want to buy a home yeah why do you want to

buy a home uh so that i well we really we're debt free right now and we really really want to have a paid for house so that we can live out like a lot of other dreams and goals that we have for our family that's what i was looking for dr john those dreams and goals that we have for our family. That's what I was looking for, Dr. John, those dreams and goals. Paint me a picture. Yeah, what are those? Don't just say, hey, we want to have a chimney, we want to have a house. Be specific. Dreams and goals, give us one.

Paint us a picture. Yeah. So, for example, we really, really want to travel. We want to have money to be able to send our kids to college. We want to be able to pay for their extracurricular activities. But you're not answering the question, why do you want to have a house? Why do you want to buy a house? Oh, because we want that financial stability.

We want to have a set payment, monthly payment, that eventually we can build equity in the house and pay it off. There you go, which allows you to do all those other things that you just listed. So the reason we're walking you through that, Sadie, is you said, how do my husband and I stay motivated in this process? You stay motivated by keeping your eyes on the prize, which means you are looking towards that future. I grew up in a group of family members and friends, and I would go to their house, and I would always see multiple pictures on a board, on a cork board near their kitchen. And I remember asking this family friend one time, what's it all about?

And these are my goals, son. It's what we're shooting for. And they were pictures of a really awesome Corvette and a cruise ship and other things like that. And early on, I saw the power of what some people call a vision board. You don't have to have a cork board. You don't have to cut out pictures of a magazine. But the point is that you and your husband need to have a regular practice

individually as well as together where you envision and talk about it. Over dinner, Stacy and I love to do this every year. We'll get together and we'll go, what are our big goals and dreams for our family, for each other, for next year? And when you talk about them, your heart starts to, the heart rate spikes and you get a little bit excited and you're reminding yourself. So I think the way you stay motivated, the motive is what it's about. So what's your motive? And you got to get your eyes on it. It's got to be specific. We got to look at it every

day, John. We got to talk about it every day. And that's what drives you through this little desert season. They're in. We're like, oh, we're slugging so hard. We're saving. We're saving. We're saving. We're just not where we need to be to put that big old down payment down. And it feels like, what are we doing? We're spinning our wheels. And the answer is you're not spinning your wheels. You're getting closer. That's right. Every day. And closer.

It's little wins, little steps. And Ken, I know you and Stacey do this. It took me and my wife years of being married before we figured this out. We speak in pictures, but we think in words. Yeah. And where that's so important for folks in Sadie's position, folks who have been married for 40 years and they're trying to navigate married life and what the next stage is going to be is this. We'll say things like, I want to have a paid off house. Somebody's got a picture of a small house down the street in their mind and they're going to start grinding out.

And somebody's got a picture of a giant house on a lake across the country, right? And you find yourselves working towards what you think is a common goal, and you pass each other, and you end up further than you started, right? We're all going to go on a date this weekend. You and me, or me and my wife, we're going on a date. Not you and me, Ken, but me and my wife. Yeah, I was starting to say, no, no, we're not. Going on a date. And the picture I have of a date is we're going to go to a romantic restaurant.

We're going to dress up nice, and her picture of a date is Taco Bar Night Tuesdays, baby, and it's going to be tacos on Friday. We're going to go crush them. We both love dates. We both love tacos. We both love romantic nights out, but we're going to miss each other. We're going to end up further apart because we weren't aligned. So, Sadie, a question that my wife and I ask each other every day of the week is this.

What's your picture of today look like? Not, hey, I need some time tonight after the kids go to bed. It's what's your picture look like? What is your picture of this year going to look like? And we've got to hold them loosely, right? What is this picture of this house going to look like? And as Ken says, I think another fancy word for motive is why. Like, why are you doing this, man?

And I'm about to, in a couple weeks, Sheila and I, my wife, are going to have our annual retreat where we get together and review this past year what our hopes and dreams are for this year. Who are we becoming as a couple? Ken, I know you and Stacey are about to do that. So, Sadie, find someone to keep the kids. Get together with your husband. And y'all put together a picture of what that's going to look like. All right, let's go to Jake at Des Moines, Iowa. Jake, what is going on, my brother?

Hey, guys. I'm really glad to talk to you, too. I've been at home since March, and so you guys have really gotten me through the whole show, the whole crew. So I really appreciate you taking my call. Well, thank you so, so much, man. How can we help today? Well, I'm a recently new father as of July 27th. I'm 30 years old. My wife and I are both gainfully employed. Purchased a house in September. I don't know if it's the season's

changing or a combination of COVID and staying home and working from home. But, you know, I'm just feeling this sense of anxiety and trying to provide for the future, you know, providing for my family. They're really trying to lock down plans. You know, I love how you're talking about goals and hopes in the last call, because that's what's really been getting me through is picturing, like, how do we want to live our life for the future and what are the steps um to get there i guess um my problem now is i have these long-term goals the house we just bought we think we can sell it in a couple years for a nice profit and then maybe build in the future but i guess my problem right now is trying to narrow my focus on the here and now

instead of constantly looking towards, you know, the far distant future. So when you were talking just now, I wrote down, the note I wrote is living for tomorrow. And Jake, as a new father, you're excited. You're experiencing the anxiety that comes with the great unknown, which is reckless love, which is parenthood. There is nothing scarier and nothing more rewarding and nothing more terrifying and nothing that you can control less than the heart and mind of another person when you finally let them out of the nest. And all of that comes to you in the middle of COVID, in the middle of financial insecurity, in the middle of global unrest, all of it.

Right. And so all anxiety is is an alarm. It should be going off for a brand new father. All this means is your heart and mind work well. And the focus now is to not spend so much time planning for tomorrow that you miss the beauty and discomfort and ugliness and dirty diapers and connection that is right now. I never thought ever that I would miss changing poopy diapers and mixing bottles at 3 a.m. But I miss it sometimes. I miss it.

Because of what it represents. It is a memory of a different time that was pretty beautiful in its own way. A simpler time. Parenting teenagers. You don't have any bottles or messy diapers, but boy, the problems are so much bigger and stickier and uncertain and scary. So I think you're right, John. Listen, young parents, live in the moment because it's going to go so fast. Trust me.

That means lots of skin-to-skin contact. Touch that baby. Hold that baby. Make sure your wife is honored and she's got what she needs. Connect, connect, connect. And plan for tomorrow. Hold them both in tension. You're doing the right thing, Brother Jake.

This is The Dave Ramsey Show out of Nashville, Tennessee. I'm John Deloney here with best-selling author and host of The Ken Coleman Show, the one and only Ken Coleman. We're taking your calls on life, on work, on purpose, on marriage, all of it. And here's the thing. It can feel like when you're sitting in a job that's driving you crazy, when you're driving home to have a conversation that you know is going to cause heat in your marriage, when you're dating somebody

and you know, you know they're not the right one, it feels like you're all by yourself. And what I can promise you, what Ken can promise you, is you are not alone. Millions of people are having the same thoughts, the same experiences, the same I don't know what to do next as you are.

Give us a call, 888-825-5225. And not only are you going to get answers for yourself, you're going to help out thousands, millions of other people along the way. Yeah. You know, we were just talking about during the commercial break, here's a phone call that we're wide open to take. I get this call a lot, and I rarely have John. We need to have him in more. Of course, we're all doing to take. I get this call a lot, and I rarely have John. We need to have him in more.

Of course, we're all doing our own shows. But we tackled this when you came on my YouTube show recently. But we get this call a lot. Hey, Ken, my spouse is miserable in their work. How can I help him? So I think a lot of people listening right now are going, uh-oh, that's us. My husband, my wife, they feel stuck. They're miserable.

It's affecting our relationship, and I feel horrible for them. I don't know how to help them we'll take that call triple eight eight two five five two two five we're going to be here uh that's a phone call you can make right now john and i are going to come at that uh in our own unique ways he's going to focus on the relational side the psychological and emotional side and i'm going to come at it from here some tactical things that you can actually do to help nudge them to pull them along, not push them, not nag them, and help them discover what they were created to do. And that'll get them a little bit more juice. That's a big topic.

So we're throwing that out there because I think there are people today that are going, boy, a Christmas gift for me would be how do I help my spouse not be miserable anymore at work? Yeah. Or how do I clear the spouse not be miserable anymore at work? Yeah. Or how do I clear the decks so that they can have the space to make some hard decisions? There's that, too. Lots of ways of coming at that. So anyway, just kind of put that out there.

All right, let's go to Isaac in Detroit, Michigan. Isaac, how are we doing? Hey, guys. How are you doing? I appreciate you taking my call. Thanks for giving us a shout, brother. How can we help? Hey, so I am 29 years old.

My wife is 29 years old. I got a year and a half old daughter. We're about 40 grand in debt. And we make about 65, 70K a year. It'll bump up a little bit whenever, you know, I take on, you know, my business. When I go back into my business. Now, you know, I take on, you know, my business when I go back into my business. Now, you know, we're going headstrong in it. We want to do it. Um, I'm a little nervous. I apologize, but I want to say on the mental side, the mental health side. Okay. So I'm a recovering

alcoholic and I, how many years you got? How many years you got? No, I just have like under a year, to be real. Hey, listen, I'm going to celebrate 10 months with you, right? I'll celebrate 15 days with you. Yes, sir. Got it? Thank you. I appreciate it. Thank you.

And let me put it like this. You know, I have like the mind of Dave. I know that I used to do like minor, like, you know, drugs, like, you know, like marijuana and, you know, alcohol, nothing big, but I know that I'm not doing what I love. And I know that I have to get out of debt and save three to six months of expenses and, you know, help out my kid with like money and like, I mean, excuse me, uh, college and save up for a crib and like pay it off. And I love it. I love that stuff. And I know the mental side of myself. I feel like I'm doing it on my own. Like my, I love her to death. She's the best wife in the world. We just turned seven years.

We just got seven years married anniversary, like, and she's ready to go. Like our car broke down on December 5th. Our car got repossessed in October. Um, we're losing the apartment and we're going back to our parents' house and we're, they're letting us, and we're going to pay everything we can. and I know what to do it's just the thing is about me is that I feel like like I feel like I think my wife has to have the same knowledge as me and I know that's selfish that's why I'm putting myself on blast because I I know what to do I got the blueprint I followed Dave Ramsey you know I respect both of you gentlemen you gentlemen. I watch on y'all's own show. I got mad respect. Isaac, I respect you.

I respect you for making this call. I respect you for wanting to be a better father, a remarkable husband. Here's what you're going to have to deal with with your wife. You are all on board, and i can guarantee you've been all on board a number of different things over the course of the seven years you've been with that wonderful wife yeah and my guess is living with an addict is tiring and exhausting and you know that right so i'm not beating you up i'm trying to give you another side of that coin, right? And so you're on the road to being whole.

You're on the road to being the father you need to be. You're on the road to being the husband you need to be. And you're going to have to show your wife. There's not an amount of information you can give her right now. There's not another story, another pleading, another, okay, but this time what she needs for you, Brother Isaac, is to show up and keep showing up and keep showing up. Isaac, quick question for you. She's on board with the baby steps, yes or no? She is now. And I apologize, and I want to say really quickly, is it wrong?

And I know Dave preaches hardcore about it needs to be the both of us it is but I feel like I got it like I see it and I just I feel like I won her like I love studying like the you know the stocks dividend you know like the rock hour raise I love it but she really doesn't. Is it wrong for me to take off? I feel like I'm being selfish. Like, oh, I know it all. No, no, no, Isaac, Isaac, Isaac. Listen to me, Isaac, Isaac.

That's my problem. You know what I mean? No, no, no. Let me tell you what's going on. She's on board. You said she's on board. She's not holding you back. She's not messing around with the budget.

She's on board. No. Your problem is you've misunderstood the colloquial phrase that's been around forever, are we on the same page? Interestingly, the line is not are we on the same line of the page. It's are we on the same page? And I've never said this before. It's a new analogy, Isaac, but I'm going to teach out of it anyway.

John, you can clean it up if you feel you need to. But it's going to teach. Isaac, listen, you guys are on the same page. But because of your personality, because of your life experience, because of your love of stocks and you nerd out on spreadsheets and maybe spreadsheets make her eyes cross every which way doesn't mean you guys aren't on the same page it means you aren't on the same line of the page and that's okay because stacy and i've been married almost 23 years there are times where

we aren't on the same page but when we are on the same page i can tell you that i don't know that if there have been a handful of times where we've actually been on the exact same line of the page, but I've found that it doesn't matter. We just need to be on the same page because she's unique and you are unique and you take these two unique individuals with unique personalities and

unique stories and you smash them together. You guys are on the same page. Relax. She's never going to be into stocks and bonds like you are and that's okay yeah and isaac you're pulling a classic beginning recovery move you're over complicating everything yeah you want it to be harder than a baby step you want it to be harder than you hold that baby and put your skin on that baby's skin and you look that baby in the eyes. You want it to be harder

than you do the dishes for your wife. You want it to be harder than just grinding out a crappy job and then you're doing another job on the weekends and you're doing whatever it can. Because you guys are rock bottom, brother. You're broke. You're living with your parents. Your cars are repoed. You're the story now.

Correct. And you want to overcomplicate it and overdramatize it, and you want dragons to come out and the music to swell, and it doesn't. You just continue to grind it, and you grind it, and you grind it. I want you to stay on the line. We're going to give you, Ken and I are going to give you Ramsey Plus, you and your wife, for a year. Madison's going to give it to you.

You and your wife are going to watch all the videos. You're going to go through FPU a couple of times. You're going to get on the same page. You're going to use the EveryDollar app. And at the end of this deal, you're going to be the guy that comes into this studio with your wife, with your baby, and another one on the way, and you're going to scream we're debt-free, and your whole legacy is going to be different because of this moment. I'm proud of you, Isaac.

Stay clean. Stay connected. And start grinding. This is The Dave Ramsey Show. I'm John Deloney, joined by Ramsey personality and bestselling author Ken Coleman. We're taking your calls about life and relationships and work. You can throw a money call at us. We'll do our best.

We'll do more. We'll do more than our best. I'm kind of selling a short. We can answer the money questions. Bring them on. Give us a shout at 888-825-5225. Here we go. 888-825-5225. Let's go to Victor in Los Angeles, California.

Victor, what's going on? Hi, Dr. John. Ken, how are you guys doing? We're having a blast. What's going on with you? I bet. I bet you're having a blast. My question, well, I'm going to give you a quick synopsis of what's going on.

And I promise you it's going to be fun it's a two for one career dream so we are in baby step four five and six nice we have two kids i'm a disabled retired veteran and uh but i still work in uh fixing helicopters and i'm about 70 percent happy in that job uh after i retired to my wife that I want to help her to reach her goals and for following me for all those years of my career. And if possible, I want to quit my current job to help her. After reading your book, Ken, this last May, I noticed that my wife has been using the proximity principle,

and she has been very successful. She has a bachelor's degree in communications, and for almost a year she has volunteered at a Christian registration for Hispanic community here in California, where she co-hosts two one-hour live shows, and she opened a Facebook page, Instagram, Twitter. We are about to open a YouTube channel and her website with her own brand. People listen to her in four states, Mexico and Colombia.

And she requested, the question is going to be the next, she requested the owner of the radio station at 30 Minutes to do her own radio show, and we will pay for it. But he told her that he's not going to charge her for that uh she also asked him if she can have a sponsor to pay for her time and other things and he said yes that's okay great um and uh so an hour later the manager from the radio station station asked her if it's possible to do another 30-minute show. So now she will have two 30-minute shows for free. Very cool. My question is, so a proximity principle always works.

So how I can help her to find suitable sponsors and how to charge the right price. Sure. how to charge the right price, and also how I can get to where she is in four states and internationally, how she can go to nationally. Okay, great. Well, there's a lot there, so we're going to get right to it. First, John and I both want to tell you that we appreciate your service. You're a great American. Thank you.

Thank you, sir. Okay, so here's how this works. Don't overthink this. Don't get scared, because the same people who gave her two 30-minute slots, so they've given her 60 minutes at the radio station to have her own show and they're not going to charge her. Well, guess what? The station manager has all the information. The salespeople there have the information on what they charge for the radio spots, which are essentially advertisement.

That's when the radio shows that she's currently hosting go to commercial break. They are selling that time. And so they've already got those rates and numbers figured out. They know what the market will bear. They know what they charge, okay? So if she is moving, is this a weekend hour they're giving her, two 30-minute shows on the weekend, or is it weekday? It's going to be weekday and weekend.

Okay, great. So you're going to get the weekday rates and you're going to get the weekend rates. And so if she's got a 30-minute show, however many minutes of commercial breaks that she has, that's what she has to offer to a sponsor. And there's a couple ways to do that. They can get the actual ad time or they could get an interview on her show from time to time. She could do what's called a live read. So, you know, we do this all the time for Blinds.com. So we'll come back from a commercial break and we'll have a question of the day.

In fact, we got one coming up later. And so it's brought to you by Blinds.com. And so you can work the content and the sponsor together. So she can go get all that information so you guys don't have to sit there and spend any brain power trying to figure out how much to charge a sponsor. You work from within what the station is already charging, and so that way you're relevant and you don't have to really explain anything.

Now, as it relates to the type of sponsor, it depends on the type of show she has and the type of show she's going to do. And so you want to think about who is she trying to attract? What's the message? Who's the audience that she's trying to attract? Who would be sponsors that would want to get in front of those ears and eyes, if you will, if there's going to be a YouTube version or any of that. And so I would look at the whole picture. And because the radio station is giving her the time and so that you guys are your own entity. You're an independent little operation here. I would think about YouTube, Instagram, Twitter, Facebook,

all of those social platforms, plus the 30-minute show times two, and I would come up with a sponsorship package where they pay for the ad themselves, and you've already got that rate. Then you can increase and get some input from the salespeople at the station. They're friends with your wife.

They're colleagues. Take them to lunch. Say, hey, if you help us sell those, if that's not a conflict of interest, we'll throw you a little finder's fee. But all of this information is right there in front of you guys. Don't overthink it. Now, finally, how do you grow the show? I wouldn't worry about growing it internationally right now.

I'd get those two shows launched. I'd get those things singing. What's right? What's wrong? What's missing? What's confused? Four great questions to always be asking as she continues to mold that show. And then because you're podcasting it, which you should, and then you're putting it on YouTube, it will grow itself.

And what I mean by that is you put in a good year, then start looking for other stations that may want to pick it up, Christian Networks, whatever the situation is. But that will come to you, and all of the advice and answers that you want on that lie largely within the relationships that she has with the current executives and the people that run the station she's on. So this is not like this mysterious dig. That's exactly right. So, Victor?

Yes, sir. You be a husband who supports her, who loves her. Yes, sir. Continue to not be somebody who's always racing around for answers, but somebody who is honoring her voice. And Ken just laid it out there for you, brother. You can actually go back on YouTube, go back on the podcast, and write down those things that Ken said.

Yeah, have her watch it. And have her watch it. And, man, the sky's the limit. Remember this. Sponsors give you money so they can make money. It's an investment in you. If the radio station is giving away spots to her, it's because they think it's going to end up helping them.

Right? And so just remember that these are business relationships, and they don't owe you anything, and hopefully you're going to make the money. Good for you guys. I'm excited for you, Victor. And again, as to Echo Ken, thank you so much for your service, and I'm impressed by anybody who can fix a helicopter, man. All right, let's go to Jason in Greensboro.

Let's take one more real quick. Jason, how are we doing? Doing great. I hope you all are. Good deal, man. We're one more real quick. Jason, how are we doing? Doing great. I hope you all are. Good deal, man. We're running up against the clock, so how can we help? So basically, the manager at my job, I work for a small lawn care company. He came to me and my coworkers this morning and was telling us that we were going to be

getting a raise in January. And he's basically asking us to come up with reasons why we should get the raise and how much the raise should be, even though he does have a number in mind already, but he just wants to see what we think about it. I was just wondering what metrics I should be using. Double it. Just say double it or triple it, dude. No. I'm just kidding with you.

Don't do that. Don't do that. So you're making an hourly wage. Everybody's making an hourly wage right now? Right. How long have you been with him? I've been here for, it'll be three years in July. Have you gotten any raises in the three years?

Yeah, I've gotten two raises. How much was it each time? How many dollars per hour? It went from $14, and then it went up to $15, and then it went up to $17.31. Okay, so you're at $17.31 right now. So I think this guy is less looking for ideas on what he should pay you, and I think this is some sort of exercise. I can't get inside of his head, but he wants to know why you think you deserve a raise,

and I would cast a vision for where you'd like to go in your life and that this job is an opportunity for you to do so and how much you appreciate him and the raises he's given before and that you think that you can add him more value and more money. I'd do 20%. I wouldn't go above 20%. Let's see

what he comes back with. I love it. Safe but aggressive. That's right. I want to thank James Childs. I want to thank Madison. I want to thank you, my good friend, Ken. Good being with you. We've got one hour in the books. This has been The Dave Ramsey Show. Hey, it's Kelly, associate producer and phone screener for The Dave Ramsey Show.

This episode is over, but if you heard about an event, product, or service and didn't have a chance to write it down, don't worry. We list everything you heard about during this episode in the podcast show notes or head to DaveRamsey.com. Thanks for listening.