The Ramsey Show - App - Should I Accept a New Job Offer?

Episode Date: May 31, 2022

Dave Ramsey & Kristina Ellis discuss: Budgeting after you move out of your parents' house, Paying for college when your plans change, Knowing when to accept a new job offer. Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Live Live from the headquarters of Ramsey Solutions, it's the Ramsey Show, where dad is dumb, cash is king, and the paid-off home mortgage has taken the place of the BMW as the status symbol of choice. Christina Ellis, Ramsey personality, number one best-selling author, is my co-host today. You jump in, we'll talk about your life and your money. We help people build wealth, do work that they love, and create actual amazing relationships. Open phones at 888-825-5225. You jump in, and we'll make this happen. Kirsten is with us in Buffalo. Hi, Kirsten. Welcome to The Ramsey Show. Hi.

Thank you so much for taking my call. Sure. What's up? I just wanted to start off by saying thank you because, actually, you inspired me to go back to church after not going for a really long time. So just thank you for that. Well, thank you. We're honored.

And also, so I just moved out of my parents' house. after not going for a really long time. So just thank you for that. Well, thank you. Our honor. And also, so I just moved out of my parents' house. I'm starting an internship. It's like my first time being on my own, and I have about $200 to my name, and I need to just figure out how I'm going to, like I know that I need to start a budget, but I guess like like, what should I prioritize in my budget and what should I start first is kind of my question.

Well, congratulations. That's good for you for moving out on your own. I know that's a huge step and it can be super intimidating doing that the first time. I can instantly feel all these feelings of the first time I did it. So, you know, I'm proud of you for getting out there. Thank you. Have you been through financial peace? No, I haven't. I was considering possibly taking it, but I have just been trying to honestly, like, as much as possible. Went door dashing earlier today.

I start tomorrow at work. So just trying to get as much cash as possible. And I was just hoping to get some practical advice. Yeah, that's smart. What are you going to be making as an intern? $18 an hour. Well, when it comes to budgeting, we always say to start with the four walls, which are food, utilities, shelter, and transportation. Those are the things that you need to survive. So I would first start with budgeting that. We have an awesome app called EveryDollar. Are you familiar with EveryDollar? Yeah, I've looking at it. It really takes some of the overwhelm out of budgeting. A lot of people sit down with a spreadsheet and feel like, whew, this is a lot. But every dollar, you know, it lays it out in a way that's really easy to understand

and makes it doable. Now, I will warn you, when you first do your budget, you're probably going to feel like you're failing and you don't know what you're doing. We all feel that way. It usually takes everyone about three months to really wrap your head around it and kind of get in a groove. But, I mean, first things first, take care of those four walls and actually start budgeting. everyone about three months to really wrap your head around it and kind of get in a groove.

But I mean, first things first, take care of those four walls and actually start budgeting because even if it's messy at first, even if it feels overwhelming, you will get there. You're getting 40 hours at 18? Yeah. How much is your rent? New York State taxes are kind of brutal. Yeah. How much is your rent? Probably being more like 14 or something an hour once taxes come out.

I'm going to budget for that maybe. How much is your rent? So I got into a really cheap living situation where I'm only paying like $200 a month. Whoa. Because one of my friends let me live in her room. Okay, that's cool. That's a great deal. All right. Do you have any debt no i was very lucky um that my parents helped me pay for college and everything and i

contributed since i was working in high school yeah well very simplistically food is first. And that's not eating out. That's groceries. Eating out is luxury. Cooking, food, is existence. Eating out is entertainment. Okay? So food is first. Utilities, are you paying utilities or is it included in your $200? I'm contributing to it.'re splitting it okay so that's number two number three is the two hundred dollars rent number four is you keep gas in your car so you can go to work yep okay so now let's let's review you've eaten you're warm and there's a roof over your head

and your car will go to work you kind of got the basics of life covered then that's the four walls christina was referring to so food shelter, utilities. These are the basics of life. You probably don't need a lot of clothing. You probably don't need a ton of food. But you need to budget for those things first, because if you've got that taken care of, your body, your mind can relax a little bit. And then once we've survived, we're sustainable, we can start thinking about other goals. But if we start thinking about, oh, i'm going to go out every weekend um oh i don't have any food in the cabinet well that's called being a child and sometimes 53 year olds are children

so this is just you're asking about priorities that's how you do it you lay it all out and uh how old are you? I'm 20. What are you interning in? I'm a microbiology intern. Okay. And so did you do a two-year? No.

So I'm between my junior and senior years of college. So you have one year left? Yeah. And your parents are paying for that year yes but when i i have to cover rent by myself so i'm going to try to save money beyond that so i can good idea out of the house in my own run okay good idea i like every bit of this okay cool all right so what your goal right now is is get through school alive. That's about it. You don't need a big financial goal.

And so if you pile up $50,000 in your bank account to get through school alive, when you graduate, you'll have plenty of time to do everything else you need to do. But I just want you to finish. I want you to finish with no debt and reasonable amounts of stress that you have managed by prioritizing this. Okay, so Christina's right. Go download every dollar. Get that income coming in on that internship. She's a go-getter.

Yeah, that's amazing and even the fact that she's choosing to move out and stay stay on her own beyond um beyond just the first three years of college and continue on that journey is just proof of that that's awesome well and it's like i was reading an article this weekend uh that that she chose she she wanted to do this so badly that she chose a way to do it that she could afford in her budget 200 bucks in a room as a roommate staying in someone's room absolutely you know um versus i need a 1600 square foot apartment with a skylight and a jacuzzi and a racquetball court. Oh, an indoor garage. And I'm 20. I mean, seriously.

We can't afford houses. Young people cannot afford houses. It's because they think they need a granite countertop with 3,200 square feet and six acres. Give me a break. She's proof of the hustle. That's it. I mean, maybe when we're just starting, maybe it looks like we're just starting. Wow. What a shot.

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Go to Zander.com or call 800-356-4282. It really is time to get this done. Welcome back to The Ramsey Show. Christina Ellis, Ramsey personality, number one best-selling author, is my co-host today. It's been proven over and over again. You can crush your financial, personal, and professional goals. Whether you want to pay off debt, land a dream job, build a better relationship, it can happen. Our number one bestselling books and tools are in the Ramsey $10 sale to give you the proven plan on how to knock out these goals. But here's the thing,

the Ramsey $10 sale ends today. Yeah, 10 bucks doesn't get you much anymore, but during the $10 sale, you can get so much value. You like the Total Money Makeover book? Yeah, thousands and thousands and thousands of dollars in debt paid off with that, millions and millions. You want to become a millionaire? Check it out. The Total makeover is not not the only thing you can get on the sale questions for humans know yourself know your money the graduate survival guide the get hired digital course the brand new quick read the momentum theorem all proven plans to help you crush your goals ten dollar sale ends today at ramsey solutions.com christina that last caller i it goes back to that article i was reading about how no one can afford a house anymore no one can afford college anymore no one can afford yes they can yes they can you can afford

a car the difference is is that we have as a culture me included have become spoiled freaking rotten and we think that if we want something we should just be able to buy it period i want to go to that school where i want to live in that house where i want to drive that car where and all of us have got walked around acting like that somehow we're entitled to live in these mcmansions when you're 27 freaking years old or you're entitled to go to this school just because you breathe air and it's just asinine it's ridiculous and it really it goes back to the thing we taught for 20 years 25 years that probably the number one most powerful financial principle is contentment. Yep.

Well, I mean, I think as a culture, we're starting to build up certain things to where people assume they have to have it. With college, everybody needs to go to a fancy private school, or at least everybody in your community might be going, so you think you need to go. Everybody, for young adults, you may be seeing all your friends getting 3 000 square foot homes and think you gotta have it and it's like you don't really need to start there you can get there eventually but that's not where you need to start and it's kind of crazy seeing what's happening in the world of college a lot of these colleges now they're set up like five-star resorts they've got lazy rivers they've got these beautiful dorms with all these amenities like you're basically staying at a beautiful resort so freaking ritz carlton for your 19 year old to play beer pong in so a lot of people get out of college and then they think

the you know if this is where i lived in college then i need to upgrade i need to have a beautiful apartment in a great location by myself and have all these amenities. And that's just not true. And I just, I love that last caller, the fact that she was living with someone in a room for $200 in New York. Like, that's amazing. She figured out a way to work it out. It's not glamorous. You know, it's not going to be the most beautiful, luxurious setup, but she was willing to make sacrifices now so that she could graduate debt-free and have a great future. Now, I sold them in 30 years abruptly into call. But if I get someone that calls in and is like, well, you know, you've got these two $700 car payments.

These escalates have got to go. I mean, this is ridiculous. Y'all have lost your minds here. You've got to get rid of these escalates. I can't get rid of these escalators. I can't get rid of the escalator. Yeah, you don't really have a choice. No, we'll have to work on something else.

I can't sell the escalator. Pop, you're gone. I'm done dealing with you. I'm not going to try to talk you in past that. Once you're that obstinate and you're that stuck on driving an escalator, you're not ready for me to help you because I can't really help you. You're going to have to go. I'll drive anything.

I'll do anything. I'll work anywhere that is legal and moral. I will do whatever it takes. I have had it. I'm sick and tired of being sick and tired. I'm ready to change my life. And I'm not going, you know, $5 million in debt to get a degree in left-handed puppetry from some famous stinking school with a lazy river. This is just ridiculous. Right. It's ridiculous. it's how we got to this epic student loan crisis and the stupid

government just keeps writing these checks writing these checks why because the government is stupid they're just straight up stupid they have no off button i had a little pug dog and that dog we could not put food out because whatever food we put out, it ate it. It did not have an off button for food, and that's Congress. It does not have an off button. It will eat it until it just explodes. The little dog would get so fat that we had to just quit feeding it. It was, you know, and Congress is the same thing.

They're just fat. It's ridiculous. It's all off of you people, me. Well, I think that's what's so hard with a student loan crisis right now and all this talk about student loan forgiveness and if it's going to happen, if it's not going to happen. I think so many people are wondering, you know, if it does happen, then are we changing the way that college works? Like, are we going to make college cheaper now? Like, how do we prevent then the next generation from falling into the exact same trap?

You know, like we want student loan relief. We want people to have freedom from their student loans. We want them to pay off debt. But we also want to prevent the future generation from walking off the same cliff. Now, what's the purpose of saving this bunch when you've got to save the next bunch? You've got to quit making the stupid loans. It's intellectual dishonesty to keep making the loans while you talk about forgiving them because they're so evil and it needs to stop it needs to stop but it all comes

down to this sense of entitlement arrogance versus a sense of of contentment and that was what was so beautiful about her that's what brought this up coming out of that break was uh you know you said hey let's talk about these colleges and how they're out of control because she chose a school she can afford, a living situation she can afford, a work situation that would make it work. She's finding her way through it, you know? Absolutely. And I think that's the thing is like we have to make going to college debt-free cool. Like we got to fight this culture that at whatever expense, at whatever cost, you got to go to the big prestigious school with the, you know, fancy ranking. Like, if you can do that and you get scholarships to do it, if you get financial aid to do it, that is awesome. But if it costs you the next 10 years of your life, that's not worth it.

It's just not worth it. You know, and we walk around Ramsey Solutions, you know, we're a super competitive workplace. It's hard to get a job here. It's really competitive. But when you walk around, you'll see people who went to community college. You'll see people who maybe didn't go to college, and they just hustled really hard and learned a certain skill. You know, you'll see people who went to Ivy Leagues. And we're all working in the same workplace together.

And we all have to get our job done. It's just the same. Go figure. Who knew? So there it is. Our question of the day comes from blinds.com find out for yourself why blinds.com is the number one online retailer of custom window coverings you get free samples free shipping and with the new promos they run every month you'll save even more use the promo code ramsey to get the best possible deal today's

question comes from andy in south dak. I was planning to go into the military and using the GI Bill to pay for college. I just learned that I was not accepted due to an undiagnosed medical issue. What do I do now? Well, first off, Andy, I'm so sorry about that. I know that can be kind of surprising and overwhelming. But what a lot of people don't understand with the military and the application, and if you get medically disqualified, is that one, it may not be a permanent disqualification. And two, even if it is technically a permanent disqualification, you could possibly apply to different branches of the military. So if you've been rejected from the Army, for example, you could still apply to the Navy, Marine Corps, Air Force, or Coast Guard. Or you could even look at a different geographic location. So again, dig a little deeper. You may qualify with a medical condition if you can talk to a doctor and figure out if there's a workaround with that.

And you may not but you won't know until you really talk to different recruiters and dig a little deeper to see what's available. I would also check with the National Guard they will pay almost as much of your college as the GI Bill will and it's an absolutely incredible benefit package and you get to work another full-time job too. So a National Guard is a is a good gig. And so a lot of people doing that and going that direction as well to get through there. Of course, the other thing is take two steps back. Okay, how do we skin this cat?

Poor cats are always getting skinned. How do we skin this cat? And what are we going to do next? And, okay, let's figure out a way. We're going to this school over here. We're going to work this job. Yeah. And the military is just not in your future. And I hope it is.

If your desire to serve and you're coming out on Memorial Day, we appreciate your desire to serve. Thank you. We honor that. But if that's not in the cards, what's God got for you? There's another thing. It sure wouldn't stop where you are. It's a detour, dude. Turn left, turn right, go.

Put it back on the gas, kick it in gear. Spin around the corner. correct go this is the ramsey Christina Ellis Ramsey personality is my co-host today we're in the lobby of Ramsey Solutions drop by and watch the show hang out with us anytime On the debt-free stage right here in the lobby live is Brandon and Cassie. Hey, guys. How are y'all? Well, you? We're doing great. Welcome, welcome.

Where do you guys live? South side of Denver, Colorado. Welcome to Nashville. That's a bit of a haul across the continental divide. Well, not sort of, but not quite, but close, yeah? Yeah. Good to have you guys. All right. How much debt have you paid off? but not quite, but close, yeah. Good to have you guys. All right.

How much debt have you paid off? A little over $621,000. Woo! How long did this take? Just under nine years. Good for you. Eight years and 11 months. Wow.

And your range of income during that nine years? We had some years that we were in the low 200s, and we've had a couple years where we've gotten really close to 300. Okay, cool. What do you allall do for a living i'm a family physician and i'm a mechanical engineer in the oil and gas industry oh wow okay well that's going on excellent so i'm gonna guess with that length of time and that amount of money maybe you paid off your house sure did i love it looking at weird people way to go you guys our nine years is a long journey tell us about the story what in the world true story it's uh it is a long time um we uh we were struggling with the like the time as most people would over nine years um one of the things that we did was we ended up leading four FPU classes throughout the process

and that was one of the things that we did to just kind of keep motivated and it was a struggle, as you can imagine. Yeah, it's real, but if you're teaching it, it's really difficult to be hypocritical and go back on it. Oh yeah, absolutely. What got this whole thing started? I wanted to get rid of the debt the minute that I graduated from medical school. It always was really emotional for me to be that far in debt.

And it took a little bit longer until Brandon found your principles and your ideas on how to actually do it rather than just, you know, you hear all the other financial people that say, just invest, invest, invest,

you'll make more money. And obviously, got to do it in a weird way and stuff. So constant nagging. Not really. Not really. That works. So the 621 was all the mortgage, not medical school? It was both.

About 220 of it was medical school. And that was just the principal on it. That didn't include any interest. I have no idea how much we paid in interest over that period of time. Too much. And then, yeah, and then 400 of it was the house. And, you know, per typical, over the last couple of years, the house is now worth like $975.

Oh, wow. Denver market's been good in the last couple of years. And you've been investing. Yeah. So you're everyday millionaires. You're Baby Steps millionaires. Yeah, we're up to about 1.6 right now. Way to go, you guys.

It's been good. So proud of you. Thank you. And you have no debt in the world. None. How's that feel? It's amazing. I'd highly recommend it.

Actually, it didn't quite hit me until we got here today. Oh, wow. It really hit me being here today. Wow. Yeah. What would you tell people is the key to getting out of debt? Oh, my gosh. Perseverance through time for us and having a common goal.

Like, you can't, she couldn't do it on her own, clearly. That's the, you know, continual talks to motivate her stupid husband to get going. But once we got on the same page, it didn't fly by any means. Like there were a lot of times where like, hey, you know, it'd be really cool to buy a nicer car or go on a trip or do this. And you just kind of wait and you don't. But as long as you're on the same page, it works. And I'd say get the family involved.

Our kids have heard about budgets since they were itty-bitties. They will know. Oh, is that not in the budget? Nope. Nope, it really isn't, guys. What a legacy to leave, too. That's amazing. The next generation is already learning the principles, and they're going to be set up

for success from the very beginning. Absolutely. That is awesome. So you guys have obviously led financial peace classes. You've seen a lot of people come in and, you know, they're at the very beginning. What would you tell someone who thinks paying off a house? Wow, I could never do that. That's weird.

Like, what would you tell them when they're starting their journey? So you want to? I'll go. So kind of what Dave was saying here about 10 minutes ago, your lifestyle is key. Like, what is the house? Like, is the house a place where you raise your kids and have a home? Or is it some 7,000 square foot building on the top of the hill? Like that matters a lot. And, and what's, what's important to you and what's going to be the thing that's motivating for you. So for us, we kept the house that we've lived in.

We've been there about 10 years now. And we looked around and we chose to do a remodel and knock down some walls and redo the kitchen and stay there because we really like our neighborhood. And cashflow that. And cashflow that to the process too. Yeah. So it's been good. But yeah, it's a lot. I'd also say just get started. Like you don't know. When we first started, the amount that we were in debt just felt insurmountable. It felt really emotional, like I said. And so even just getting started and thinking, we're never going to get to the end.

It really did feel that way. But then just seeing each month by month by month see that the debt goes down and Brandon likes to track the net worth he thinks that that's more you know inspiring is to watch your net worth go up since it was at zero to begin with or negative to begin with um to watch that go up was was motivating but just continuing to look and focus on what your goal is yeah how old are you guys 41 and you're worth 1.6 and you have a paid four house just outside of denver and you're making two three hundred thousand a year you can do anything you want to do so you were 31 years old you're staring at this mountain in front of you um and cassie you said it really didn't hit you

you walked in here that's fun i like that but what's what's that feeling because there's other people staring at that mountain and i want them to hear what the feeling is when you're on top of it when you've gone over the top of it relief there's a lot of relief a lot of joy a lot of looking at these kids and knowing that i mean we've already watched the documentary about student loan and talking about what that future is for them. And just like you say, it's a legacy that we're leaving. And there's a lot of pride, I think, in that as well. Yeah, there's a sense of release almost.

Oh, for sure. Yeah, way to go, you guys. All right, what's the first big thing you're going to do? You got to do something fun now, the remodel. But what else? Yeah, we figured we'd cash flow a trip to Nashville. Ooh, big spender now we've got a we've got a we're probably gonna get a hot tub here in the fall and that's kind of the next thing that's for the house so a little splurge yeah that's fun that's awesome who are you who are your biggest cheerleaders in the process because that's that's a long journey

you need a good community around you yeah go ahead on that We didn't really tell a lot of people in terms of the numbers. We talked about it over time and everybody was encouraging about where to go and so on and so forth. But I mean, my parents just found out how much we made on the show. So that's pretty much our story. I'm sure they are proud. I think that there's a lot of people who were just generally encouraging, but unless you're going through it, unless you understand what we're doing, which a lot of people didn't,

it's not the same. And so I think there was a lot of encouragement back and forth between us. Yeah, for sure. But it's a concept, like you said, unless somebody's plugged in, they don't get it. It's impossible.

We also heard the, you know, the few times that we try and open up the well of course you can do you make a quarter million dollars and you're like that's that's a lot of that's a lot of tech guys i like to point out that like my student loans were twice my yearly income so if people want to put it in that process because they're like well you make a lot of money yeah but i my debt my student loans coming out were twice my yearly income starting out when i got my first job at 29 wow wow well here we are you did it we've got a copy of baby steps millionaires for you because that's obviously who you are congratulations a copy of total money makeover you can give them

both away read them both whatever you want to Also, a one-year subscription to Financial Peace University, Ramsey Plus. Wonderful. Thank you. And you'll be able to give that away to somebody for sure as coordinators all this time. So very well done. Thank you for leading the classes, too. We really appreciate it. You're inspiring people.

Very, very, very well done. Good stuff. All right. It's Brandon and Cassie. And the kiddos' names and ages? We've got BJ at 13 and annika at 10 all right let's count it down and hear a debt-free scream 621 000 paid off in nine years house and everything making two to three hundred count it down let's hear a debt-free scream

one two three Two, three. We're debt free! Yeah! And we're 41 and worth almost $2 million. Amazing. But the Ramsey Organization just tells people to get out of debt. We don't know anything about building wealth here. Just for those of you that have heard stupid butt stuff on Reddit. There's millionaires on these stages every week this is the ramsey show Christine Ellis Ramsey personality is my co-host today. Dylan is with us.

Dylan is in Fort Worth, Texas. Hi, Dylan. How can we help today? Hey, Dave. I have to ask, how are you doing today? Better than I deserve. Well, great to hear that. So I'll try to just break down a little background for you.

So I am 31. I'm a personal trainer in Fort Worth. Last year made probably about 84 gross income. And I'm getting kind of pulled into over the last few years thinking about changing careers. So I've been doing this for about 12 years. And over the last few years, of course, with COVID, everything like that, I was with a big, big corporate gym for about five years. And upon coming back, I was basically eliminated. So I went back on my own, been doing that since 2020 and do pretty well on income schedule wise. Work life balance is great, although I do feel like I am just kind of going through the motions rather than thriving.

So I didn't know if it was quite time for, for a change. I've been approached by a past client's husband a couple of times to go do some business sales for a technology company. So of course, sales has been something I've been in my whole life. But it's always been selling myself and selling results rather than a product and service. So I just kind of want to get your feedback on that. I made a divorce last year. Currently just live me and my son half the time. And I don't know, just make sure I don't have a heart attack on the phone.

I think you're going to be okay. Oh, my goodness. Well, I don't hear a lot of... There's not, like, a lot of excitement about anything in the conversation. Okay. Like, I'm not excited about where I am, and I don't hear anything about where you're going that's exciting.

Somewhere I need to get some excitement in the conversation again. I definitely love what I do. I've done it for so long, though, over time it does get a bit tedious and repetitive and, you know, dealing with clients, things like that. But I love the relationships that I've built. That's always something I have exerted onto resumes or if I ever did get called in for some sort of interview was that relationship building process is crucial for me

and that's how I've always built my business. It was never really just that, oh, I'm the guy that's going to make you lose 20 pounds. So it's the same thing for you is people rely on your processes and your systems, not just hearing you talk on the radio. Right. And hearing your team giving their input and things like that. So I've had, I've gathered input on this same question,

but it's all people that know me personally. Yeah, I mean, that's exactly what ken colman would tell you to do and i would agree with that so you're gathering up what what what it is that what are your drivers but then the application of that so far that i heard was uh i've got a client's husband who says i can sell for him that didn't make you jump up and down for glee the way you said it i think so that first conversation with him was probably about four years ago they approached me last fall i went through the interview process got to the last interview um which would have been with with him

the guy under him which would be the direct lead and then the person above both of them um so i kind of pulled my name out of the hat i think think at the time I was just finalizing some divorce and working on myself and making sure that things were going to be good for my son and I, and I didn't feel like it was really a good time for a change. That makes sense. So upon that, they approached me a few weeks ago and, you know, said that the territory, you could say, is now exactly where I live. So I think just kind of the excitement of feeling wanted and feeling like, oh, I've

been approached by something completely out of my realm by people that feel that I could do it and be successful at it. Dylan, if you could do anything, what would you do? Like whether it's personal training or sales, if you could even do something outside of that, what would you do? I think I want to do something that's relationship driven, that I'm able to make a great income at, be able to have a flexible schedule, still be able to, but not have to have that worry of, am I going to get paid this week? Or is someone going to skip this week and then not abide by their agreement or not abide

by their cancellation? So it's always the wishy-washiness of my industry is our schedules and our income. Especially when you're self-employed, it's outrageous the amount of just that hill and valley phone you're always talking about. You have to have it. Okay, so what does the new gig pay? So what I've been told so far is about $50,000, which is up for debate with HR. So that hasn't been told to me exactly yet based on my qualifications, education, et cetera, and then commissions. So what I did towards the beginning is I wanted to talk with his best performer,

who was making at the time going to make about 150 to 200, and his worst performer, who was almost exiting the team, was still going to be around 110. So I tried to do my due diligence and making sure that I was speaking with the best and the worst. Of course, I didn't speak with the worst. But I wanted to know, okay, what's my actual average when it comes to this trade? What do you make now?

Last year was about 84 gross. Okay, so you make 100 minimum. You got an increase. It's a new thing. It's a new life after a divorce. You're starting fresh. I think you do it. I don't see any downside.

There's nothing here telling me. You're not telling me anything on the list that's negative. I just was not hearing the excitement, and the more you talked about it, I started hearing some excitement. I think just the only negative is the change and the unknown of, okay, is that boat actually close enough to the dock to make that kind of jump? And is my financial situation capable of that? I'm about 65,000 student loans to go along with y'all's rant a few minutes ago.

So that has basically been stagnant for a few years. I have about 95,000. That wasn't due to income. That was due to divorce. Everything was stagnant for the last two years. Yes. Everything's been pretty much at a standstill since I left the big gym. So got consumer debt, got stupid debt taken care of. It's all stupid.

But, of course, got credit cards. But you can live on the 50 barely you for sure can live on the 100 definitely yeah um and i even played with a couple of months ago to to sell the house mortgage payments about 1700 now because i had to do cash out um and pay off that half the equity um so i'd even wondered at that if it's even do i jump the jump on the wave of selling but then i had looked at rentals and things like that rentals in our area are about two thousand twenty five hundred dollars um of course not including deposits all that but that was another thought as well but i wasn't going to really

include that yeah yeah it's it's fine i mean i think you take it and you know if it if you need to sell the house a little bit later you still can do that i don't think the market's going to drop in the next 20 minutes um you're going to be fine yeah i if it's if i'm in your shoes i'm giving the thing a run um but this is um you go through a divorce and you're going through all this is a lot of holding your breath and this feels like an exhale. Game on. New direction. Fresh start. Whiteboard. New beginnings. Yeah, and Dylan, stay on the line. We're going to gift you a copy of our book from Ken Colvin, one of our colleagues, From Paycheck to Purpose. It'll answer a lot of those questions that you're having and kind of help you find that motivation and that inspiration within the role that you have. And also there's a get clear assessment, which will give you access to that just to make sure that you're clear on what you want to do and that you're really on the right

path moving forward. Now, one of the things I'm poking around on, and I think I got there, I felt like I got there was, and this is for the rest of you listening, of course, is when you go through a major transition, like a divorce or the loss of a loved one or something like that, and then a job change comes right beside it, that's a little bit of a warning. Be careful. Alarms are going off because you might be trying to fix some wounds

with this other thing. But the more I talked with him, the more I felt like we got the other side of that. Instead of fixing the wounds, it was more like a fresh start. And so it felt, to me, it felt fine. But probably worth what you paid for it anyway. There you go. Hang on.

We'll get you a copy of Ken's book. That puts this hour of the Ramsey Show in the books. Thanks to Austin, Ben, Zach, Andrew, and James in the booth. I am Dave Ramsey, and we'll be back. Dave here. You can find all of our shows with the Ramsey Network app on your smartphone. It's the only place to listen to the entire back catalog of episodes. Download the Ramsey Network app in your favorite app store today.