The Ramsey Show - App - Setting Goals for a Career That's Right For You (Hour 2)

Episode Date: September 25, 2018

The show about you

🎵 Live from the headquarters of Ramsey Solutions, it's the Dave Ramsey Show, where debt is dumped, cash is king, and the paid-off home mortgage has taken the place of the BMW as the status symbol of choice. I am Dave Ramsey, your host. You jump in, we'll talk about your life and your money. If you want to talk about your career and living your passion and finding something where your talents are actually applied and making you some serious money, our own Ramsey personality, Ken Coleman, host of the Ken Coleman Show on SiriusXM, will join us at the bottom of the hour for two segments.

So if you have career questions, you're thinking about finding your passion, so to speak, well, jump in and let's talk about it. You got questions about resumes, about job hunts, about what's necessary to win in today's job market. Ken is all over on top of it. He is our Ramsey career expert around here and talks about it every day on SiriusXM. So he'll be here at the bottom of the hour. The phone number is 888-825-5225.

Kelly will clean off some lines and give room for Ken Coleman callers right now. Jonathan is with us in Camp Lejeune, North Carolina. Hi, Jonathan. How are you? Hi, Dave. Thanks for taking my call. Sure, man. What's up? Hi, Dave. Thanks for taking my call. Sure, man. What's up?

I just had a quick question. I'm in Baby Step 2 trying to get all my debt paid off, and I'm selling everything in sight. And as I pay off my credit cards, I've been closing the accounts that I know don't have any future balances on them. Good. As I get them paid off, just to make sure I'm really serious about never borrowing money again. And I'm getting, like, different feedback from my family about how dumb it is to be closing these accounts

because it's going to negatively affect my credit score, and they said I should keep the accounts open, just never use them. Is it bad for me to be closing these accounts like log fire as I pay them off? No. It's going to drop your credit score. That is true, but we're not worshiping at the altar of the great FICO anymore, so it's not an issue. And then now that I'm closing them, how long will it be until my credit score becomes a zero or indeterminable?

Six months after you close the last one that has a zero balance. And at that point, would it be... Give or take. Okay. Okay. zero balance and at that point would it be give or take okay okay at that point would it be my how do i be in my best interest to freeze my credit and how like how do i go about doing that or is that something i should worry about at 24 years old yeah you can freeze it um because you're not going to be using it and what that does is prevent some forms of identity theft if the idea if the

id thief applies for a type of credit that they actually bother to check your credit bureau and they find it frozen the id thief would be denied that that credit application right and so it blocks some not everybody checks right a lot of credit cards are issued without bothering to check and so that doesn't doesn't help a thing for it to be frozen in that case but yeah you can now uh as of this month, the law has changed, and you can now freeze your credit bureau for free and unfreeze it periodically. But, yeah, you can do that. And as soon as you run this thing down, that's what I would do.

Jason is with us in Seattle, Washington. Hi, Jason. Welcome to the Dave Ramsey Show. Hi, Dave. Thanks for taking my call. I really appreciate it. Sure. What's up?

So I am $98,000 in debt, not including the mortgage. And the wife and I had the conversation last night when I break out just the cash flow and everything, I'm actually $14 underwater every month in order to even start a snowball. I mean, there are options. I have about $266 a month in optional stuff that's like YMCA memberships and stuff like that. And we hypothetically could put my wife's student loans into deferment, which would free up $540. But, I mean, the optional payments I don't really think is going to get me going. What's your household income? $80,000. And how much of the 98 is cars?

About $10,000. Not much. Most of it is student loans,000. And how much of the 98 is cars? About $10,000. Not much. Most of it's student loans, then? Correct. Why is your income so low if you have that much in student loans? So the $60,000 is the amount of the student loans, and that is my wife went to Rad Tech school, so she's certified to take x-rays.

And unfortunately, well, unfortunately in my opinion, right, it's one of those things. We had our first daughter the day that she graduated from that program, and it was one of those things where, yeah, all of a sudden job offers stopped coming her way just because, I mean, right, she mentioned her kids, and right, you can never prove it, but they don't like to hire moms. Oh, bull. That's absolute bull. You're telling me nobody does it? Nobody hires x-ray techs that have kids. Come on. what you're saying, but at the same time, I mean, regardless of whether or not they hire x-ray technicians, she was not able to find employment in her field, and that was six years ago. So she lost all her certifications now? No, she's actually been very good about keeping up

with her continuing education. She's still certified. I mean, she's got a six-year gap on her resume. Okay. I think I would look for at least something to work emergency rooms on the weekends or something and get something going, even if it's part-time, because it sounds like she really desperately wants to be a mom and stay at home, which is fine with me, but not when there's a $14 margin in this situation. So, yeah, I think you are putting the student loans on hardship deferral i think you're both working extra and i think you're going to be doing a whole lot of sacrificial things to clean up this mess because you've got sixty thousand dollars invested in an education that's never yielded a dime in six years correct i did want to the when we when we talked last night though the one thing is, I mean, we owe $250,000 on the house,

but when we look at the real estate rates, like Zillow and Redfin, I mean, the house is currently valued somewhere between $320,000 and $360,000. And it seems to me that, right, sell the house and knock out all of the stupid consumer debt and really focus in on paying off her student loans. You know, and once the kids are in school and whatnot, then, you know, she probably would want to go back to get, you know, like a CT certification. There's a bunch of different stuff that, right. I don't think she needs to spend any more money on education until she makes some money with this education.

This pattern is disturbing. So, no, I think we go be an x-ray tech whenever we can or will as soon as possible doing that. Yeah, I mean, if you guys want to sell your house, that's fine. But overall, I mean, making $80,000, I'm guessing you can cut some stuff. What I would do if you like your house is I would cut everything else and try to keep the house. It would be the last thing I would sell. If there's no other way out of this mess, I can't find anything else to do. But I'd put her in the ER on the weekends as an x-ray tech and get her income coming in $20,000, $30,000, $40,000 a year.

Start throwing that at the debt. I'd cut everything else in your life to the bone. You don't need to see the inside of a restaurant and talk about a vacation. You're broke. And long before I'd sell the house, I would abandon restaurants and vacations and be part-time working as an x-ray tech. Long before I sold the house and tightened that budget down. I'd try all that first, and then by spring, if you're still stuck, then maybe you put the house on the market.

But let's give this a good six-month hard run. This is The Dave Ramsey Show. Hey, Spencer here from Smile Love. At Smile Love, we'll straighten your teeth and help you love your smile. That's what we do, and we do it for less than you'll find anywhere else. I guarantee it. I'm serious. We're talking about paying thousands of dollars less without sacrificing any dental expertise. We are hands down the most affordable way to straighten your teeth. It's easy to get started. You just go online to smilelove.com and use the promo code Dave to get an additional $100 off. So go to smilelove.com if you're interested in straightening

your teeth and use promo code Dave for an additional $100 off. We started this company to help people who aren't fully confident in their smiles. You know that full, unrestrained, laugh as hard as you can kind of smile? That's what we're all about and we think everyone deserves to have it. So if you ever find yourself holding back your smile, get started today at smilelove.com and remember to use promo code Dave to take an additional $100 off. smilelove.com, promo code Dave. John is with us in New York City. Hey, John, welcome to the Dave Ramsey Show. Thank you so much, Dave. How are you doing? Better than I deserve. What's up?

All right, so I'm currently getting fleeced. I want your opinion on the best way to get out of it. Mm-hmm. Okay. So payment amount's $382. I have 17 months remaining, so about $6,500 left to pay plus the residual of $19,000. The early buyout is $26,000, and I'm a little bit underwater with it with private value coming in at about $22,000. I currently have $90,000 cash in the bank, and my gross income is $75,000. Okay. What's the car? It's a 2017 Jeep Cherokee Limited. limited you like it love it why don't you just ride check and pay it off that's what i was thinking and i guess my second question to you was just given my income

you know do you think that's just a little bit too much car for that or do you think that's a good ratio good proportion for me well the rule of thumb we use and i just made it up there's no science to it is just don't have too much invested in things with wheels and motors that go down in value. And I consider more than half your annual income invested in things with wheels and motors to be too much. And so, you know, you make $70,000, you've got a $20,000 car, what's the other car? That's it. That's it. So you're under half considerable.

Yeah, no other debt, no anything. Yeah. The bottom line is you just don't want to lose $40,000 on a car when you make $70,000, you know? And so you're not in that position. You're going to lose $10,000 because this thing is going to go down to the $10,000 in about 20 minutes, right? Sure. But that's just the nature of owning a vehicle. So, yeah, I definitely would think that's a good idea. And let's just buy it and own it and drive it if you like it you've got the money and just pay cash for

it and that's all the only difference here is what you would have done here's the thing if you got rid of it and you went and bought a 22 000 slightly used car for cash that wouldn't be the end of the world so if you like it just pay it off you know and keep it anything i should do just i've never bought out a car anything i should do before i buy it off from the lease company any inspections or anything you would recommend just so i make sure you know i'm covered no you're already in the deal you're stuck i mean you got if there's something screwed up you've already eaten it so i mean you're not going to turn it in if you turn it in and they find something extreme they're going to call it more than excessive wear and tear and make you pay for it so you bought this car um i would you

know have them send it to you an email or something in writing of exactly what the early buyout is by what date so that you get them a certified check by that date so you get your title without any without any hoopla and they don't come back and go oh there another $104 in interest because you didn't pay it by yesterday, and all that crap that they've tried to pull on you. But let's just get a payoff letter effectively, and then you'll be set up to win with that. Send them a cashier's check and be done with it, or wire them the money, one of the two, whatever you want to do. But no electronic access to your checking account when you're dealing with payoffs.

You just do it yourself. You handle it separate. Don't allow them messing around in your funds because they just screw around with stuff and I want to make sure it's done and it's over. Ken Coleman, Ramsey Personality, expert on careers and you finding your passion, your career, your talent, and

having it all line up will be with us at the bottom of the hour. If you have questions about your income side of the equation, that's half the equation, the income side and the outgo side, this is your chance to jump in and talk to Ken. He's got a daily show on SiriusXM. Life's too short for a 9-to-5 job. Something you're stuck in. The grind. Why would you, you know, no, we don't want to do that.

We want to apply our lives to something we love, something that matters, something that motivates us, and Ken's going to be here to talk about that at the bottom of the hour. So you can get in if you call now. The phone number is 888-825-5225. Brian's with us in Los Angeles. Hi, Brian. Welcome to the Dave Ramsey Show. Hi, Dave.

Thanks for taking me home. Sure. What's up? Hi. show hi dave thanks for taking the call sure what's up hi uh my wife and i just had a meeting just now um and she broke down um i've made some stupid decisions with trying to pay off some credit card bills another credit card and so um and using the credit card the rewards and all that kind of stuff so right now we're looking at $62,500 for

the credit card bills alone. Good lord. What did you buy? Plus the car, adding the car for all the debt. So that is, I got $13,000 in the car. It's about $75,000. Okay. So what'd you buy on

$60,000 worth of credit cards? This is just compounded consolidation and all that kind of stuff, you know, and the interest rates and deferred payment plans. So you haven't even been paying them? I'm sorry? You haven't even been paying them? Well, I've been paying them, but it just didn't catch up. Okay.

Well, I mean, consolidation and paying interest does not cause the balance to go up. So you must have bought $62,000 worth of crap over some period of time. Yes. Okay. How long have you all been married? Pay some bills with the credit card. Yeah. How long have you been married?

Since 2005, so that's 13 years. And what's your household income? Right now, I'm the only one working since we just had a baby. He's four months, so I'm bringing home $5,500. Is she going back to work? She's planning to go back to work. When? After this.

Okay, after the Family Leave Act. So what does she make? She makes about, before when she was working, she was making about $60,000. Okay. And you're making about $80,000. About $80,000. And right now I'm taking on extra work. Okay, so you have $140,000 household income when she goes back to work. And you have $60,000 in credit card debt and $15,000 on extra work. So you have $140,000 household income when she goes back to work. When she goes back.

And you have $60,000 in credit card debt and $15,000 on a car. And $13,000 on a car, yes. $13,000 on a car. Is there any other debt? No. Do you own a home? Yes, I do. How much do you own your home?

Right. The house, my house right now, it's $35 352 352 000 okay uh-huh what's your and so you're 34 years old maybe i am 41 41 years old okay all right well i'm going to give your new baby a gift because uh all of sudden, with the arrival of Junior, you guys decide to get serious about your adulthood and attack these debts and get your life under control. Am I right? Yes. I want you two to go to Financial Peace University.

I'm going to give you the one-year membership, and you've got online access to all the classes. You've got every dollar plus, which attaches to your bank account, updates and helps you do your budget very quickly and very easily for a year. And you also can go to nine lessons at a local group there in your area, and there's a bunch of local groups in your area for you to jump in and go to those. If I give you this, will you promise to go to the nine lessons with your wife? Yes. You will learn how to get out of debt.

You will learn how to handle money, and you will never be back here again if you do everything I teach you to do. Yes, sir. I just saw the look on her face, and she was crying. She's ready, and that makes you ready. Good. Yes. All right, my man.

I'll help you. I've been there. I've been scared. I've been stupid, dumber than you ready. Good. Yeah. All right, my man. I'll help you. I've been there. I've been scared. I've been stupid. Dumber than you, believe it or not. And I've done some really stupid things. And it hurt me. It hurt my wife.

It hurt my life. And I don't want you to be there anymore. But you're going to have to pay a price. All this goofing off and half-butt doing stuff is over. It's game on now, baby. Game on. Everything I tell you to do in that class, you do it and you will win.

I will promise you it works. 100% of the time it works. But you got to work it. So hold on. I'll have Kelly pick up and we'll get you signed up and get you guys through there and we'll get this baby we're going to make sure this family tree is changed here, man. This is the last time you're going to

live like this. It's time to stop it. And you got the chops. You can do this. Thanks for the call. Open phones at 888-825- 5225. There's something about the arrival of a baby that changes everything. As soon as the stork squawks.

Quack. Is that how a stork sounds, Ken? Quack. I'm sure that's a good stork sound. As soon as the stork squawks, everybody stands at attention. Snap. Boom, attention. Snap. Boom, man. Boom.

You know, that's unbelievable. This is the Dave Ramsey Show. One question I get asked all the time is, do I need life insurance? Listen, the whole point of life insurance is to replace your income for someone who counts on you. So if you have a spouse or you have kids, yes, you need term life insurance. It's the only way to protect them until you're out of debt and have built up your wealth. You're only digging a deeper hole if you waste money on cash value plans since it robs you of the ability to make real progress. And that's why I send you to Zander Insurance, and I have for 20 years.

That's where I get all my insurance, and they only offer the plans I recommend. It is not expensive. It's not complicated. And Zander will be there as your guide every step of the way. Visit Zander.com or call 800-356-4282. You need to get this taken care of. I can give you the advice and I can tell you where to go, but it's really up to you to take that important step to get your family protected. That's Zander.com or 800-356-4282. Ramsey Personality, Ken Coleman, host of the SiriusXM Ken Coleman Show. You can hear him daily on 121 and on 111.

His show is part of the Ramsey Network on SiriusXM. And he answers questions for you about your career path, where your income comes from. You do not ever want to work a J-O-B. A J-O-B is where you're mailing it in, where you're a rat in a wheel, where you're collecting a check, and nobody's glad you're there, even you. That's the truth. You just described maybe 70% of America, though, Dave. It is.

There's a lot of people who feel stuck. And it is tied. You know, I see it when I use the illustration when I'm talking about debt. I go, what if you didn't have any payments? No house payment, not even a house payment, no MasterCard, no payment. And you walked in Monday morning and your boss was a jerk. Would you just stand up and start walking to the door? I mean, would you just not walk out?

And everybody's like, yeah! And what that tells you is they're stuck by their debt payments or their perception that there's not other opportunities, either one. And here's what's crazy, Dave. In modern American history, there's never been a job market like today. There are more jobs available right now in America than there are people who are unemployed. It's nuts. Now, we know, you know this better than anybody, that this cycle will change and economics kind of move up and down depending on a lot of issues, economic indicators. But right now, it's a great market.

And when people realize that even when the job market may not be – It's a buyer's market. It absolutely is. Now, even when it's not a great job market, the reality is that you can do work that you're good at and that you really enjoy. Like, that is not this crazy idea. Oh, and by the way, make the most money you've ever made in your life. Yes. You don't have to dumb down your income in order to do your passion. No, that's absolutely right.

You know, here's the deal. Talented and passionate people make plenty of money. Hey, people that come to work on time smile while they're there and work while they're at work. Yeah, that's right. If you do those three things, you are a commodity. That's right. You get three offers by the end of today. I mean, that's the reality that we're in right now.

People call on my show, they go, well, I just don't know if the time's right to make the move. It's never been better. Because people, here's what's going on, Dave. Ernst & Young, Intel, I could go on and on and on with big name, okay, brands and businesses in America. They are dropping the qualifications on experience and education. Why? Because they just want quality people. If you do the things you just said, and you show up, and you're hungry, you're humble, and you'll be people smart, they'll teach you how to do the job. It's an unbelievable scenario that we're in any industry, and you smile and you go a half a step overboard to take care of the customer, someone that owns a business will be at that counter and will hire you this week.

That's exactly right. It's unbelievable. That's exactly right. But if you hate your job and you hate your customers and you hate your life and you hate yourself, no one wants you. That's exactly right. Yeah. You know, we're really good sometimes, and you hate yourself, no one wants you. That's exactly right. Yeah. You know, we're really good sometimes at being the only person at our own pity party. And, boy, it's a really dangerous place.

They're poorly attended. They really are. It's the truth. I've been there before where I was the only person there, and it's a bad place to be. And the way to get out of it is to go, wait a second, I've got plenty to offer. You know, the entire philosophy of the Ken Coleman Show is this. Everybody on the planet right now was created to fill a role. It's needed, so you must do it.

There's a lot of people in this world, Dave, when you think about it. We all need to just be who we are supposed to be. Just be you because somebody out there needs you to be you. And if you start thinking that way, it's really hard to kind of walk around in that constant state of Eeyore. Samantha's with us in Philadelphia, Pennsylvania. Samantha, you've got a question for Ken Coleman of The Ken Coleman Show. How can we help?

Hi, Dave and Ken. Thanks for taking my call. Sure. So here's my situation. I am approaching 40. I've been in the corporate world for about 15 or so years. I'm sorry. Exactly.

What I'm trying to do is to make a transition. Good. So my passion is probably real estate. I'm thinking about maybe a franchise. Good. What have you been doing? What kind of income have you been making? Right now I make $170,000 as a bonus. Nice. Okay.

Yeah. Okay. Have you saved a bunch of money? I have. How much have you saved? So right now my net worth is $850,000. How much of that's in retirement? About $500,000. Okay, so you've got $350,000 liquid to do somehow to get your next dream started.

Cool. Mr. Coleman? Yeah, I think the time is real soon. Let's put it that way. Let's start with the obvious. Samantha, you're in a great, great place. So real soon being the overall answer, but now it's about figuring out what it is you really want to do. And the good news is you've got a head start on most people because once you figure out what it is.

So let's look real quick at real estate and then the franchise. Let's first look at real estate. I'm just curious. If that was the choice, you were certain of that today, what would that look like? Why do you get excited about that? Why is that an idea in your mind? Well, I really like houses and interior design. I mean, I'd probably start with being a real estate agent,

but I'd probably like to move into house flipping and just being able to design and work with the contractors and optimizing the space and selling it for a good price. Okay. Let me ask you this. Have you sat down with somebody in your area that is an interior designer that is successful? They've got a nice business or they're well-known. Maybe they work for a builder. Have you sat with that person?

No. Did you say yes or no? No, I have not. Okay, here's one homework assignment. I want you to find that person through connections, maybe direct connection or indirect. I want you to have coffee or lunch with them, and here's why. I want you to almost become a student of everything they do.

Ask them what they love most, what they like the least, how long it took them to get where they're at, what qualifications that you might need. The reason is because I hear in your voice you're a little bit more excited about the interior decorating idea and maybe the flipping maybe for yourself than you are just selling houses. Am I right or am I wrong? That's correct. Yeah, I want you to do the research on what it would take to be that successful interior decorator. Because when you get that information from somebody who's doing it, you've got a master's class in what it's going to take.

So now you can assess that and go, oh, well, maybe, and here's what I want you to do when you get that information. I want you to put it down there with real estate agent selling houses or being a successful interior decorator. I want you to look at both. I'll add to put it down there with real estate agent selling houses or being a successful interior decorator. I want you to look at both. I'll add to that. I agree with Ken. Let's just add one more person to your homework assignment.

Try to find someone who's doing stylish high-end flips. Yeah. Because that's got both elements to it that you're talking about. You don't want to do low-end flips because that's not going to intrigue you. It doesn't scratch your itch. to it that you're talking about, you don't want to do low-end flips because that's not going to intrigue you. It doesn't scratch your itch. But I talked to a guy the other day in the Miami market that's buying condos there, and he's doing high-end, like million-dollar beach condo flips, and he goes in and completely renovates them, and so the kitchen looks like something out of a magazine.

And you can do that in that kind of a market. And Philadelphia's got some good markets, a strong market like that. So you'd be able to do that there. But you'd have to find somebody that really knows how to do that. And you don't have a million dollars. You've got $350. But you can start to work and learn how to do it and just hang out with them and say, that's who I want to be someday.

What are my steps to get there? And I think, I'm with Ken, I think you have a launch date into something, give yourself a deadline, by spring. Yeah. And I don't think a franchise is it. No. I think if she could be doing interior decorating, be successful at it, and then plan to start flipping houses.

Or selling high-end houses as a real estate agent. That's right. Or you're dealing with the same touch. That's right. Or being staged, doing staging and that kind of stuff around that, and then doing these high-end flips. Either one. Somewhere in that range, there's a lot of that stuff happening in your brain.

Just keep talking like we're talking to yourself, though, but set yourself a deadline. Don't be here 10 years from now still waiting to launch. No failure to launch here. Not allowed. Ken Coleman is with us. If you want to talk, the phone number's 888-825-5225. This is The Dave Ramsey Personality, Ken Coleman, joins us. He is the host of The Ken Coleman Show.

You can catch it as a podcast. You can catch it on SiriusXM 121 and SiriusXM 111. And check it out there. His podcast you'll find from the 21st says, You love your career, and check it out there. His podcast you'll find from the 21st says, You love your career, but you've outgrown your role. Ooh. Or, I used the proximity principle to help me land my dream job.

I got this letter in, Ken, about you. He says, I called in earlier this summer and talked to Ken about working at Kroger versus going into college advising or doing more corporate training. I went on an interview today for what ended up being my, in my previous field of training, but it looks like it's going to be my dream job. I should get my formal offer next week. I used the resume template that Ken has. I worked the proximity principle and I shook the relationship tree in order to get in the

door for the interview. I got an interview for a position to build an entire company's training program from the ground up today. Ken, thank you for the help and the encouragement, the template, the principles. They all worked for me from Tim. That's pretty cool. That's why we do it. Now, this resume template he's talking about is at your website, right?

Yes, sir. KenColemanShow.com, right on the homepage. They don't even have to scroll down. So just right there on the front page, KenColemanShow.com, right on the home page. They don't even have to scroll down. So just right there on the front page, KenColemanShow.com, and it's How to Write the Perfect Resume. It's a free, really 21-page download. Yes, sir. And it's really – you and I were talking offline the other day, or maybe it was I was talking about you.

I don't know. You and I were talking offline the other day, or maybe it was I was talking about you. I don't think it was I was talking about you behind your back. But I said, the Ken Coleman stuff is going to work because every time I listen to it, I go, well, that's so basic. Everybody ought to know that. That's common sense. That's right. And that's what everybody says about this show. That's right. And so for 30 years, it's so basic that everybody listens, right?

That's right. And that's what this resume stuff is because a resume is really a piece of trash. It's ridiculously ineffective. Resumes are useless. I like to say that a resume is worthless without a relationship, meaning if you don't have somebody walking in your resume here to Ramsey Solutions going, hey, you need to know about my friend. I think they're sharp. I think they're a good culture fit. I believe I've got the experience and the talent to do this.

I'm really recommending this person. That's a game changer at Ramsey Solutions and anywhere else. If you think about the amount of jobs and amount of resumes that are submitted on a daily basis, here's what we know. HR and hiring managers are spending six seconds to 60 seconds

scanning your resume. It's a brochure. It's designed to get you a phone call to get you in the interview. So what we did, Dave, we said- Now, we had 15,000 applications here last year. That's right. We hired 200 people. 200 out of 15,000. These are not good odds.

No. If the resume is the only connectivity point you're at. How do you get out of the pile? You've got to have a relationship, number one. And by the way, we talk about that in the PDF. That's why it's 21 pages. Now, here's the other thing. We looked at, Dave, here's the deal.

I went on and looked. I Googled resume templates one day. And I just looked at about 15 of the top downloaded ones out there. Every one of them traditional resume. Then I started thinking about what you and I just said. And I said, this is nuts. I mean, if relationships are what matter in a job interview, then they ought to be at the top of the resume. So I'll tease the audience by saying, we flip the resume. So we tell you why we flip it. We show you how we flip it. And then we actually give you an example.

And it's one page. I've had people email, do I need a cover letter? No. No, you don't. No. You don't fax anything anymore. At the top of the resume, my friend Dave Ramsey said, just get in touch with you. That's exactly right. If you're my friend. That's exactly right.

I mean, don't lie. Well, listen, we had a gal get hired here the other day that's going to be a part of the team that works with my show and everything. And you know what she has? She had Christy Wright at the top of her resume. You think that didn't help? When you have one of my dear friends and a Ramsey personality, a legit person here at our company. But she had a real relationship with Christy.

She had a real relationship with her. I saw Christy on stage once. That's right. No, she actually knew her. Yeah. But the point is that you've got to find that relationship, even if it's indirect, where someone can vouch for you. Yeah, it could be like, you've got to find that relationship, even if it's indirect. Yeah, it could be.

Where someone can vouch for you. You know, if I look down, I don't look at them, but if I were to look down at a resume and it was my pastor's name and it says, you know, Darren sent me, right? That's right. Pastor Whitehead sent me. That's a big deal. Then I would be going, okay. That's a huge deal.

And I'll be emailing him and checking on you. But you just got out of the pile. That's you. That's right. But you just got out of the pile. That's it. That's the point. You just got out. And so, how to write the perfect resume, five ways to fix your resume and land your dream job. But resumes don't land the job. That's right.

It's a relationship. Even with my template, you've got to have a relationship. And that's the whole point. By the way, Dave, we're getting great feedback. Real listeners are getting jobs because of the relationship part of it. You read an email. He said, I shook the relationship tree. That's just the way I say it on the show.

But that's the idea of I'm thinking about everybody I know, not just my direct contacts, but indirectly acquaintances. I'm getting out, and I'm shaking the tree. I'm active. I'm asking. I'm asking for a connection. Do you know somebody over here? Your kid plays soccer together, and he works over there. Absolutely. And you go, hey, man, can, your kid, you know. That's exactly right. Your kid plays soccer together, and he works over there. Absolutely right.

And you go, hey, man, can you give me a good word? That's exactly right. And boom, now I've got my foot in the door. Well, that's a great point. You've got to know somebody is the truth. It is. But Dave just gave some relationship and networking gold away. Don't go to another networking event.

Those things don't help anybody. But let me tell you this. Every time you sign your kid up for a youth soccer or youth sports league, your network grew by 25 people. Think about it. You're sitting there at practice with them. Today's point, you're at games. How about being friendly and smile

and start talking about things? Ask them about them and then they're going to ask about you. Before you know it, you've got a real reference that could lead to a great you work where exactly dude dude dude i would love is there any way you could help me get in just get me an interview i'll you don't have to vouch for me you don't even know me but if you just help dude i mean wow that's how i'm okay to be that guy i'm okay to be that's how it works yeah how to write the resume, five ways to fix your resume and land your dream job. It's at the Ken Coleman Show or kencolemanshow.com.

Yes. Right on the front page. You can get it. It's completely free. That's right. Download. You will want this, and you'll be sending me letters like Tim did. That's what will happen.

So, worthless without a relationship. Oh, I agree with that one. Jeff is in Houston, Texas. Hey, Jeff, what's up? Well, first of all, I love your guy's show, and I'm thankful for Sirius that I've been able to rediscover your show, Mr. Ramsey, and I can really enjoy the insights you give. Thank you.

I left my previous job about three months ago, been there almost nine years in a marketing role to take a sales job. Unfortunately, in my case, I guess the grass wasn't necessarily greener. And I have had conversations with my previous boss who was interested in taking me back. My biggest concern, what is a three-month thing, a three-month role going to, is there going to be a black spot on my resume? I know you don't know, you know, pun to the resume thing. And is it, you know, I enjoy the people I work with. They're good people.

It's a good company. Why did you leave? You bail on them. Why did you leave? Well, part of it, I think it was burnout, to be honest with you. Um, you know, we, we had lost a few people. There was some changes and, um, I think that was part of it, to be honest with you. It was just, you know,

Are you jumping back into the burnout fire? Would I be? I'm sorry. Are you jumping back into a burnout fire? Well, you know, it's funny. They've actually had some new people, and after I'd given my notice, my supervisor told me, you know, we've got more people coming on. We finally have help coming.

And so part of it, I think, is self-inflicted. I tend to be one of those people that I like to see everything through. And if I probably could delegate more and learn to delegate more and force myself to do it, I think I could avoid it. Well, Jeff, here's the deal. You just identified why you burned out last time. So now you've got to make sure that you put guardrails up to not let that happen again. Secondly, should you stay because you're worried about your future resume because of a three-month blot? No. What do we do when we make bad decisions?

Do we just play them out or do we change? You made a bad decision. Go back. The guy wants you. Go back. And then the third thing is you should feel no guilt at all about leaving this company. You need to be honest and say, I made a bad decision. This is not the right fit for me. I apologize that I've put you into this, but I'm not doing you, the company, or me any favors by staying.

And you walk out with some character and integrity and do it the right way. But, no, you don't owe those people you work with anything. You made a bad decision. You need to correct it. Don't stay there. Winners never quit. Yes, they do. They regularly quit doing stupid stuff.

That's right. That's it. I made a bad decision, Dave. Should I keep the credit card? stuff. That's right. That's it. I made a bad decision, Dave. Should I keep the credit card? No. Cut it up. Stop using it. I bought a car.

I shouldn't have bought it. Sell it. Sell it. That's right. Undo it. Undo it. Undo it. Undo it.

Undo it. Ken Coleman, Ramsey Personality. You can hear him on his podcast, The Ken Coleman Show, on his radio show on Sirius XM 121 and 111. Don't miss it. Thanks for stopping by, Ken. Thanks, Dave, for having me. Hey, guys, it's Blake Thompson,

Chief Production Officer for The Dave Ramsey Show. This hour's up, but you'll find more on our YouTube channel, where we have over 6 million YouTube views each month. You can find debt-free screams, millionaire hour clips, Dave rants, and so much more. Go check it out.