The Ramsey Show - App - My Dad Has Been Paying Into Whole Life Insurance for Over 30 Years! (Hour 3)

Episode Date: September 17, 2021

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5, 4, 3, 2, 1, GO! Live from the headquarters of Ramsey Solutions, broadcasting from the Dollar Car Rental Studios, it's the Ramsey Show. Where debt is dumb, cash is king, 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, where he talks about finding your dream job and finding a job

and how to get on board and how to figure that all out. The seven proven stages of walking into that. So if you want to talk about careers, Ken's here to help. And he'll step in on all the discussions we're having today. And as will I. We're here to help, and he'll step in on all the discussions we're having today, and as will I. We're here to help you. Phone number 888-825-5225.

Alex is in Orlando. Hey, Alex, welcome to the Ramsey Show. Hello, Ramsey. First of all, thank you for your years of wisdom, and we've been following you for a long time. First time caller. I have a question. As the pandemic started, I told my dad that I will get, and my family that I will get life insurance.

I know your point of view on term life. We were trying to get some term life insurance at the time. My dad had me over a whole life. I had been paying for 36 years. I'm 42. I'm sorry. Right now, the policy has about $11,000 cash value with 8%. He thinks I should keep it.

I see about three options with it. I want your take on it. I'm having trouble hearing you. You need to speak directly into your phone, please. Yes, can you hear me now? Yes, sir. Thank you. Yes.

So my dad handed me over the policy that he's been paying for 35 years. It's a whole life insurance. Right, I'm sorry. It has an $11,000 cash value. That's awful. And about 8%. He thinks I should keep it because he's been paying for so long for it that he doesn't see much of a downside this term as I'm 42 years old.

And I want to know your take on it. I've been looking for 10 life. I see three options. I can either keep it, I can either let the cash value pay for it for the next 12 years, and make a decision, or I can take the money and with that pay the new one.

Paying for both is not an issue. It's not a money round step four to five, and financially, okay, if we can pay for both, it wouldn is not an issue. It's not a money round step four to five. And financially, okay, if we can pay for a boat, it wouldn't be an issue. So I want to know your take. I know you don't like that whole life. I wonder if you have any ideas what to do with it. Whether I like it or not doesn't matter. What matters is does it work.

That's all that matters. and the reason i don't like it is it's a piece of crap it doesn't work okay and that's why i don't like it and here's the reason okay you got eleven thousand dollars in this stinking little policy after your dad's paid on it most of his entire life and i know he's proud of it he was doing the best he could do and he got ripped off and and he thinks it's a good idea but that doesn't make it a good idea you've discovered some other things that your dad thought was good ideas that aren't good ideas too as my son will do and and as i did we all will discover these things in our life and so um the eleven,000 that's in there, when you die, they will pay your beneficiary the face value, and they will keep the $11,000.

You have a savings account that when you die, they keep your money. And on average, whole life pays 1.2% in the United States. So you have a savings account that pays 1.2%. And when you die, they keep your money. Yeah, you could use that to buy their ripoff overpriced life insurance by letting the cash value pay out, but why give them the money? Why not cash it out and put the $11,000 to work in some good way, and before you do that, make sure you have the proper amount of term life insurance in place.

You can go to zanderinsurance.com, get a quick, easy quote. We've endorsed those folks for 20 years, and this is the reason. Because, you know, you pay 20 times more for whole life. You pay $100 for what you would pay $5 for. 20 times more. That other 95 is supposed to build up an investment inside the policy called cash value the first three years you get zero they keep it all after that when the cash value finally starts building it builds at 1.2 percent and after that when you do finally build it up and you die

the thing you paid an extra 95 out of every hundred dollars for they keep the investment dude that's just straight up stupid it's just straight up and not on your part of your dad's part but the concept is straight up stupid and so that's why no one in the financial world teaches that you should buy whole life except people that are in the whole life insurance business they're the only ones nobody else believes in it because i mean they figured out it's a payday lender of the middle class. So you do what you want to do with it. But it's not I got rid of it because Dave Ramsey doesn't like it.

Who gives a crap what Dave Ramsey like or doesn't like? All that matters here is what works. That's all that matters. And, you know, Dave Ramsey doesn't like Fords, so I'm not buying a Ford. Why? I got a Ford. I do like Fords. I was going to say, you really like them. But, I mean point the point is i mean yes you gotta do what's right why you like

something or don't like something if you just don't like it because you grew up not liking it you know uh sporting team or whatever else right you know that's fine but if there's an actual mechanical logical reason that something sucks then there're you know that's what that's what that's what matters sure then you form your own opinion and based on that you make your adult but decision that's right this is how we do stuff open phones at 888-825-5225 lynette is with us in pittsburgh hey lynette what's up hi there i'm a huge fan uh thanks for taking my call sure how can we help um so i started my baby steps back in july of 2019 uh started paying off 93 000 worth of debt dwindled it down to about 14 000 way to go um but i i stopped my 401k contributions

to maintain my gazelle intensity. Good. Fast forward to today, I am now engaged and planning a wedding. Yay! Thank you. So we're getting married and paying for everything with cash. But this has caused me to pause my debt snowball. Sure. So once we are married, we'll have about $30,000 in debt, what's left over from mine and then what he has.

So that's probably going to add another 12 months. Why? Is he not adding income? He is adding income, so it'll be $30,000 cumulative between both of us. I know, debt. But what is your income now? My income is $92,500. And you've got $14,000 left. And his income is what?

His income, well, he just started a new job maybe like a month or so ago. Are they paying him? They're still figuring that out. They are paying him. Good. What's the income? I think he makes about $1,300 every two weeks. i'm not sure what that is i haven't calculated it out yet about 40 grand a year okay so you have 130 000 household income and you only have 30 000

in debt i don't think this is a problem you need to pay it off really really fast gazelle intense kiddo as soon as you come home from the uh dad blame honeymoon you pay cash for you start everything again you push plop push play on your debt snowball and you pay off thirty thousand dollars in a freaking heartbeat making 130 okay so we'll be able to still pay for the wedding because obviously we're that's before that's before right now everything's on pause to the wedding yes you pay cash for the wedding and you come home and you got $30,000 in debt making $130,000. Okay, cool. Get it. You make it sound so good.

Thank you. Get after it. You got this. You can do it. Get it. This is the Ramsey Show. Hey, y'all. I'm Christi Wright. Listen, when you're tired and not getting enough sleep, your health and happiness suffers.

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I like that. You never know. Everybody had some ornery uncles, right? Ornery Uncle Ken. I'm going to own that. With my niece and nephews. Ornery Uncle Ken. There we go. own that. That's pretty good. With my niece and nephews, yeah. Ornery Uncle Ken. There we go.

That's a new one. Summer is with us. Summer is in Cincinnati. Hi, Summer. How are you? I'm great. How are you guys doing today? Better than we deserve.

What's up? I'm so glad to be talking to the two ornery uncles. Yes. It's like two of those old men Muppets. My question is, my father-in-law passed away a few months ago, and since that time, my mother-in-law has been dealing with her finances on her own.

They have plenty of money. They've never had debt, and they're very blessed. But she called my husband last week and told him that she wanted to gift us twenty thousand dollars to put toward we're having trouble hearing you summer can you speak directly into your phone she wants to give you twenty thousand dollars to do what she wants to give us $20,000 to put toward an above-ground pool for the kids

and also a barn for my husband because he is inheriting a workshop full of tools and equipment and other things. So my first reaction was, we're in babysit two, by the way. We should be finished with babysit two in October. We've been on the journey for 15 months. We should be finished with Baby Step 2 in October.

We've been on the journey for 15 months. We have $21,000 left to go. Yeah. So I thought we should take the money and put it for Baby Step 2 because we were going to save in the future other items. Your phone is all over the place. We're having real trouble hearing you. If you can stabilize it somehow, it'd be great.

Okay. I'm sorry. So I thought we should put the money towards Baby Step 2. My husband thinks that we should use the money as my mother-in-law has given us for wishes.

What do you think? I think you shouldn't take the money. Okay. At all. Here's what's going on. Your husband and his mom are grieving. They're hurting. And they're not thinking clearly. Okay. He's lost his dad. He's got all his dad's tools coming that he probably used to work in the garage with his dad and that brings back a lot of memories and he's trying to rebuild that

portion of that memory because of it because he's hurting he lost his dad and how long were how long were your mother-in-law and him married? Fifteen years. Yeah. I mean, she just lost, like, her right arm and her right leg, you know? I mean, I've been married to Sharon 38 years. I don't need to be making decisions like this two months after Sharon's gone. My brain's not going to be working good. And your mother-in-law's a very sweet person and she's hurting deeply okay and so you need to love her gently

and kindly and just say you know what this is not a good time for us and it's not a good time for her and by the way even your husband you need to tell that too and he needs to take care of his mom you don't need to say a word to her because you'll get painted in the ungrateful daughter-in-law position if you're not careful okay yeah she's just hurting honey and because this is truthfully her suggestions are ridiculous. The last thing you need is more expenses while you're in debt. And an above-the-ground pool does not add value to anything. It's useless for the property. It's good for fun, but it does not add value to the property.

It may, as a matter of fact, detract value from the property. And it has to be maintained the money i spend on my in the ground pool makes me want to throw up per hour we swim in it you know it's crazy you don't need an extra expense right now well we'll do it with our own chemicals well you gotta buy the freaking chemicals and you gotta go out there and spend the hours dealing with the thing uh for a lot less you can take your kids to your kids to another pool and put them in somebody else's problem. And this is just her hurting and her wanting to express love, and she just doesn't know how right now. And it's completely inappropriate, and the conclusions that they're

all coming to are silly. Okay. But it's all sweet and it's all love and it's all because he was probably just a great dad, wasn't he? Yeah, he was. Yeah.

50 years. Yeah, I know. I will have my husband talk to her then, and we will tell her now's not the right time. Yeah, I just think it's a bad idea. And I think she wants to do something that she can see the family enjoy, and getting you out of debt is not something she can see and do that with. And you guys just plow on through the debt, and then later on when you get ready to do something,

if she wants to give you a gift to do something for the kids and with the kids. I mean, I'm trying to channel my inner John Deloney. Ken, what are you thinking? Well, I absolutely think you're right here in this situation. There are strings attached to this gift. So it's not really a gift. It's really not a gift. It's got all kinds of conditions.

It puts you in a situation where maybe your husband and you could be at odds because you guys have been walking out baby step two if i heard you correctly you're out of debt in october so you can see the finish line i think you're right yeah but i think the most important advice you gave was that the husband needs to a be on board with summer and he needs to deliver that news i thought that was because she doesn't win if she delivers that no there's no there's almost no mother-in-law in the world that's going to love that coming. No. I mean, that's just a hard thing. And he doesn't even need to reference Summer when he delivers the message.

That's the key. He just needs to say, you know, Mom, I appreciate this, but I'm hurting right now with Dad's passing. I know you are, and it's just a bad timing. Let's just put this on hold. We'll look at doing it later maybe and just be very kind and very gentle because she's really grieving and and not grieving well by the way uh when you start throwing money around like this right in the face of a loss after 50 years it's it's a bad sign for how she's handling this so she may need to sit down with a pastor with a good counselor and just start to

walk through all the pain, because it's legitimate, real pain. I mean, this hurts. And you don't make financial decisions in a vacuum ever. You're always affected by your emotions. You're always affected by your relationships. You're always affected by your career status. Everything around you is a variable affecting your financial decisions. So there's no one that makes financial decisions based purely on math.

It never happens. There's always something going on. And it could be good things or it could be horrible things, tragedies like this. Joy is with us. Joy is in San Diego. Hi, Joy. How are you? I am well.

So happy to talk to you guys. You too. Thank you. We have a home that we raised our kids in, and it is just, we own it. We own it outright. We are debt-free. Thank you very much, Dave Ramsey. Way to go.

Uh-huh. And we, I'm ready to sell, and my husband is too, but he keeps going back and forth. Okay. You know, the holiday market here is great. We can get a nice penny for our home and walk away with the money to buy another home. We cannot buy back into Southern California because it costs too much. We are considering buying in Michigan, but then maybe buying back in Southern California when the market goes down. The question is, my husband says maybe we should keep our home and rent it. No.

Okay, why? No, because you don't need to be long-distance landlording. If you're moving out of this house, it's time to sell it. But I'm confused. If you sell a home in Southern California, why can you not buy a home in Southern California with that money? Because that's pretty much going to be our retirement, although we do have a nice nest egg. Okay, so it's not the Southern California thing.

You don't want to put the money back into a house. And then that's pushing you out of Southern California. So I think you ought to sell it, but I think you probably ought to look at just buying another house there. I think you live there. If you're wanting to downsize or right-size or something, I'd probably do that. But I would not move out of it and rent it. That's not going to work. It's not a rental house.

It's your home. I saw some recent financial statistics and there was some pretty troubling news. When families were asked how long it would be before they faced financial hardship if a spouse died, nearly one-third said they'd be in trouble immediately. Another 44% said they'd be financially drained within six months. People, it does not have to be this way. Term life insurance plans are just plain cheap and companies have made it even easier by not requiring exams in many cases. There really is no excuse to leave your family in this situation by not having life insurance. This is why I talk about Zander Insurance every day.

They're committed to protecting families with the only products that I recommend, and their team keeps the entire process simple and affordable. Go to Zander.com for quick online pricing or call 800-356-4282. This has to be a priority. If your family is in this situation, you need to get this done. ken coleman ramsey personality is my co-host today here on the ramsey show i'm dave ramsey your host open phones at 888-825-5225 in orlando florida beth is on her on the line to do her debt-free scream. Hey, Beth! Hi! How are you doing? I'm so excited to be in your show, and this has been amazing. And I wanted to share with everyone that I write an email, and I wanted for people to know...

How much debt did you pay off, Beth? $121,000. I love it. How long did this take you? Took me five years, around five years. And I can tell that I started. I have a friend that's listening right now. She introduced me to Dave Ramsey, the plan. And she spoke to me at work.

And I'm like, okay, what's that? I have all this debt. I don't know how to do it. And I was always struggling. I came from Puerto Rico with zero, with nothing, with my daughter escaping from a domestic violence relationship. Wow. To live in a shelter. I used to live in a shelter to protect myself and my daughter. daughter and when I came with nothing um I was like struggling like like a single mom with just

a job with a thousand dollars back then and when I started the plan my salary was around I will say like 52,000 what is it now like uh right now I'm 68 what do you do I work for a sheriff's office in Central Florida. I'm right now a community services coordinator. I also am a public information officer for the state of Florida. And I'm in that law enforcement, IT service and classes. And you save lots of women who are facing domestic violence like you used to. Correct. I opened when I started here.

I didn't know English at all. I learned the language. I created a nonprofit to help and assist other women that are going through domestic violence. It's called Life in Your Hands. And I'm here today, Jeffrey, because of you, and I'm so thankful. And I would say that that $1,000 made for me everything, because that was the first step for me, the $1,000. And I say, okay, I can save money.

How am I going to do it? I started cutting things, using the envelope system. I remember my friends used to make fun of me because wherever I went, I had the envelopes. And it was fun because that was my goal. I say that before 50, I wanted to pay off my house. And I did it with a lot of sacrifices. Wait a minute.

This is your house you paid off? I paid off everything. My car, my student loan, the house. What's your house worth? Right now, it's around $180,000. So from homeless in a shelter due to domestic violence to $1,000 to $180,000 paid for house, a new career and new language skills all in five years. You are an amazing woman.

Oh, but no, but I got here before that, many years ago. But in five years, I started everything, like the process with you. Oh, I see, I see. Yeah, no, but that took me longer. Learning a language is difficult. But I'll say that I follow everything. I paid using the Snowball. And I've been telling everyone I see everywhere because I did a video and I shared it in my social media that when I paid off the house.

And I wanted people to know that your plan really works and the way it requires a lot because you have to sacrifice different things or trips or vacations but I'll say that from all the steps the hardest one for me was the three to six month expenses um but because it was little by little trying to get that money and get it all together how does it feel now that you're completely debt-free i accomplished and when i have big this is for me it's been everything because i wanted to show my daughters that you can do it but you can can live debt free because I remember when I pay off my car, when I was, I was planning to pay off the car.

Someone from the family say, why are you paying that car? You need to make payments monthly. So if something happened, why are you going to spend all that money paying off the car? I say, I don't want to have no debt. And they couldn't understand what is living debt-free.

And for me, it was kind of like that encouraged me to keep going, keep going and say, no, I can do it. Everyone has something they have to pay, and I want to live debt-free. And the other thing was my retirement. I have the actual retirement from the state. And in addition to that, following your baby step, I added a 457 tax-deferred plan. So I have two. So you are going to be the first millionaire in your family i don't know about that but i'm

working on it well you're sitting with a two hundred thousand dollar paid for house and you're loading up your retirement you're only 50 years old i think you're going to make it no i'm 47 no yeah no yes you put three extra years on there dave no no that's no good you're still gonna make it you're still gonna make it right beth what does your family think now those people who are saying why would you do that why would you do that now they've seen you on the other side what kind of impact is it having for my family they were so thrilled and my friends as i say i did a video i recorded a video on my way to the bank to pay off the house. And I documented everything on my way there. And I kind of like gave my testimony how God from nothing, zero, came here

to the States with nothing and where he placed me now. And as my testimony, kind of like I shared with everyone that video. I edited, added pictures and all that, shared with everyone. And I even wrote it for a newspaper. And the feedback was amazing. People kind of like sending messages that they wanted to do the same thing. Your whole life is inspiring. I'm inspired. You're so impressive.

Well done. They all ask me how I did it, and I definitely say they ran the baby steps, and I'm so grateful. I'm so grateful you're a blessing. You are. And keep doing what you're doing, because it really blessed us.

Wow. You're an incredible lady. Yes. I'm so honored to get to talk to you today. Absolutely incredible. Very well done. So are you ready to do the debt-free scream, Beth? I'm ready.

All right. I have a request in Spanish. Okay. I don't care. You can say it in German. I don't care. You can say it in German. I don't care. $121,000 paid off, house and everything, at a mere 47 years old. Did it in five years, making 52 to 68, a life completely transformed. Count it down, Beth.

Let's hear a debt-free scream. Three, two, one. Estoy libre de deudas. Woo-hoo. Woo-hoo. Yeah. I like that. I love it.

Yeah. Man, what a story. Unbelievable. What a life. What an arc. I mean, that's incredible. And, you know, we find find when we did the millionaire study, we find more people like her than we do some kind of blue blood, you know, went to Harvard and, you know, had had all kinds of advantages or something. We find we matter of fact, people who come to this country legally are four times more likely to become millionaires than Americans are that grew up here.

And it's because they believe. It is the land of opportunity. They believe in the Statue of Liberty. Yeah. Well, you know, one of the powerful things for everybody that becomes debt-free are the baby steps is just a clear path for people. And they say, wait a second, there's an opportunity to live debt-free. And she caught that opportunity from a coworker. To your point, she believed in it.

And there's no stopping anybody. There's no stopping her. The human spirit is alive and well. Holy, there ain't any stopping that woman. She's incredible. Yeah, that's great. Beautifully done, Beth. Beautifully done.

So proud of you. You're an absolute rock star. This is the Ramsey Show. Our scripture of the day, Hebrews 12.11. No discipline seems pleasant at the time, but painful. Later on, however, it produces a harvest of righteousness and peace for those who have been trained by it. C.S. Lewis says, Hardships often prepare ordinary people for extraordinary destiny. Love it.

Open phones this hour. Ken Coleman, Ramsey Personality, is my co-host this hour. Ryan is with us. Ryan's in San Antonio, Texas. Hey, Ryan, how are you? Hey, Dave. Hey, Ken. Thanks for having me on the show.

Sure. Hey, I have a question for you guys. My wife and I, we've been following your program for years now. We've made it all the way through Baby Steps 3 to pay off quite a large amount of debt. Earlier this year,

our house burned down. Oh, no. We had just... Anyways, we're still going through the process now, you know, with insurance and all that. And we actually just – we finished – just last week we had to access our six-month emergency fund to help cover some costs and all that. But we actually just topped it off again. So we're back.

We finished Baby Step 3, and now we're on to 4, 5, and 6. And we have a budget, and we are following your steps in doing all that. The issue is that, you know, with insurance and, you know, with all of our contents and everything, you know, at some point we're going to come into, you know, with all of our contents and everything, you know, at some point we're going to come into a, you know, sort of a large amount of money to cover all these things that we lost. And honestly, we, you know, we don't know what to do. We're so used to just not having money and, you know, budgeting and saving all this. And then when the settlement comes and we get that money, we're a little confused about what to do with it. Okay.

Well, it is earmarked for two things. One is to rebuild the house, and two is to refurnish it. Yes. And, I mean, we have one policy which is covered for rebuilding the house, and that's sort of taken care of, and then we have a separate policy for all of our – to refurbish it. And, I mean, you know, I don't know what that's going to be, and we're so – I don't know if the word is thrifty that, you know, I don't – you know, I'm not –

it could be tens of thousands of dollars i'm not sure but you know once we rebuild it and we have leftover money or once we refurbish it like you know what do we do when you rebuild it and you have all the furniture in it if there's any money left then worry about it then i mean should should it go to, I don't know, four or five and six? Yeah, it'd be five and six if you have money left after you refurnish it. You need to take this money and, you know, you've got the building project itself, which is one lump of money. You've got the money to replace your personal loss, your personal items and furniture, and that's

a different check. Am I correct? Correct. That needs to go into a separate checking account, and you need to manage the refurnishing and replacement of your items as a separate project completely independent of anything

else. Okay, so just treat that money completely separate from... Anything else until you get the house completed and you move in it and you're done. And you go, okay, we're done. Oh, look, there's $5,000 left. Oh, look, we had to put money into this because we didn't have enough.

Oh, look, you know whatever but you're going to manage it to swear i'd like for you to rebuild i'd like for you to refurnish the home and have a little bit of money left if you refurnish the home buy your clothes buy the blender whatever it is you got to buy and uh and there's a bunch of money left that's fine but i don't most of the time you're not going to get enough to actually come out of this with a profit so i think it's more emotional ken to set this aside and manage it as a separate project yeah look ryan you're smart guy you understand the baby steps you've got this down pat you guys are very thrifty using your words when dave says worry about it when it happens, there's nothing to worry about. You'll know what to do.

Again, there's this fear that you sense over you that you're going to do something wild or crazy with it. And I don't even think that's possible. So trust in yourself. You got this. Yeah, I think you can do it. It's so emotionally devastating to have a home, to lose your home, because so much of your life goes up in those flames oftentimes. And it's on the list of things that will put you in the hospital,

like the loss of a child, a divorce, a death of a loved one, a bankruptcy, other catastrophic personal events that come into play here. And you've got one of the big ones, you know, and that's what you're facing. So, you know, emotionally process that. But I think you give yourself permission to not make money but not go further in the hole because of this. If you came out and had zero, if it was a sum total of zero, Ken, and the home is refurnished and the home is rebuilt and there's not a dime left but you didn't put any other dimes in other than insurance money, that's a complete win. Absolutely it is. Because, like you said, this is a traumatic situation.

I mean, you know, just to kind of reset, because you can't replace. You just can't. It feels like it's a lot of money, but it's probably not, is what I'm saying. Yeah, I think that's probably right. When you get down into it. When you start listing out, and you go, okay, we've got to buy a couch.

We've got to buy a rug. We've got to buy a lamp. We've got to buy these two TVs. We've got to buy a blender. And you start buy a lamp you got to buy these two tvs you got to buy a blender and you start putting dollar amounts beside those that money's going to go pretty fast yeah even at a thrifty rate it's still going to add up even being intentional and careful and managing it as a project and not being helter skelter with it you're still got to be careful yeah alexa is with us alexa's in denver hi alexa how are you hi i, I'm good. How are you? Better than I deserve. How can we help? Yeah, I have a question I'd like some input from you guys on. So I am at a job right now.

I guess you could say overall comfortable. Really good pay, really good benefit. You know, the atmosphere, the environment is good, I feel appreciated, you know, everything. Wow. The only reason I bring it up is because I am a mom of three kiddos. So it's a little harsh on the family. And I guess I'm going into about six months in this job right now. And I guess I'm starting to miss my old jobs working with kids. I have kind of a really office job right now but you know as I mentioned I'm overall comfortable. The schedule

is a little tough on my kiddos. I work 4-10. So yeah I guess I'd like some input from you guys. So you used to work with children in your old job? Yeah. So my most, I guess I've always worked with children, but my most recent was at a school working with kindergarten through eighth grade students. And now what do you do? I'm a court clerk. Okay. All right.

Yeah. So your heart, your heart's going,'ve got two things going on in your heart. Number one, it's tough on the kiddos, and you're feeling maybe some mom guilt, or you're going, I can't keep this up. This is tough on the kids. So you're starting to think exit anyway. And then thinking about that exit's got you thinking about, what do I want to enter into?

And I think you're coming to the realization, I really love working with kiddos. Does that sound about right? I mean, I think so. Yeah. So here's the deal. I think I'm not. So you've got to take care working with kiddos does that sound about right i mean i think so yeah so here's the deal i'm not so you got to take care of those kiddos so i'm i'm fine i think i think if you're asking hey is it okay to be looking yes i don't want you leaping i want you looking hey if i know that the work i want to do is with children then let's look at all the different ways that you can work with kids and you've actually got a background you've got some experience and some skill set there and i would be looking to make that transition don't feel guilty

about wanting to leave a job that for all intents and purposes is a good comfortable job but if you know you're supposed to be doing something else you need to embrace that and start to take the steps to move towards that but be smart about about it. What would be the parameters that would be the dream job? Yes. And the hours, who you're interacting with, what you'd be doing, and so forth. Yeah. And if you lay that out, then you'll know when you find it if you itemize it. Ken Goodhour.

Thank you, sir. James Childs, Kelly Daniels, thank you for the show today. Great job, as always. I'm Dave Ramsey, your host. We'll be back with you. Before you know it, in the meantime, remember, there's ultimately only one way to financial peace, and that's to walk daily with the Prince of Peace, Christ Jesus. 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.

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