The Ramsey Show - App - Should I Leave My Job for a $190,000 Raise? (Hour 1)

Episode Date: June 9, 2020

Business, Career, Education, Home Buying Tools to get you started:  Debt Calculator: http://bit.ly/2QIoSPV Insurance Coverage Checkup: http://bit.ly/2BrqEuo Complete Guide to Budgeting: http://bit.ly/2QEyonc Interview Guide: http://bit.ly/2BuGnZE Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR 

Music Music Live from the headquarters of Ramsey Solutions, broadcasting from the Dollar Car Rental Studios, it's the Dave 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. I'm Dave Ramsey, your host. You jump in. We'll talk Ken Coleman, Ramsey personalities, my co-host today here on the air. We're talking life, money, jobs, careers, and in general, just talking about you right in front of you. The phone number is

888-825-5225. That's 888-825-5225. Jeff's going to start off this hour in Indiana. Hey, Jeff, how are you? I'm doing great, Dave. Thanks for taking my call. Sure. What's up? How can Ken and I help? So I'm a second-generation small business owner, and we are hiring right now. And I have a unique problem of needing some guidance through sorting through all of the resumes and applications we're getting.

There's far more people than we could interview, and we put a lot of weight into how much time they spent at their previous job, and I'm not sure that's as relevant as it used to be. And I was just seeing if you had some red flags or some things that you would look for if you were in my position. Yeah, Jeff, I think I would love for you to start by a quick exercise. Tell us what will help you win the most. What are the characteristics, the qualities, the skills that you could identify right now, top of mind, for an applicant? You say, you know what, they're the type of person that's going to help us win. What are you looking for? Team player.

Team player. What else? He likes to collaborate, works well with others, not afraid to put their own two cents in. Great. All right, that's a great list right there. Team player, a collaborator, right? So there's a spirit about a team player. They're humble.

A collaborator, again, that's speaking to their desire to actually get into the team environment, get their hands dirty. They're going to contribute. It's not about them. It's about the mission. And they actually enjoy the creative collaborating. The rest of those skills, those top four or five things you listed off, I'd be looking at the resumes for evidence of those things to start. That's where I'd start. Yeah, that's the best way to do it. And then you can do a quick phone call and look for those. We picked up a book for my friend,

Pat Lencioni, a few years ago, and we had people here, and we would say, well, so-and-so just doesn't get it. And we didn't really know what that meant, although we just knew that they didn't get it, like they didn't get the memo. And when we read Pat's book, we started figuring out what we were meaning. And his book's called The Ideal Team Player, and an ideal team player here is hungry, humble, people listen to that book right now yeah they're people smart uh they're hungry meaning they're go-getter uh and they're humble meaning it's not all about them and if you're missing one of those

three you're going to have a problem inside especially inside a small business and you're looking for what you said is a sense of ownership, too. You want them to act like an owner, which is one of our core values here. You're all self-employed. And so we want you to act like that when you're here. Think about what an owner would do and do that, and that's how you're on the right track then. Now, one of the things we do to call it is we'll do a quick phone call and just look for a culture fit on the phone call and then we the first interview is no more than 30 minutes long if they make it to an interview do not spend more than 30 minutes on the first interview even if it's the best applicant in the entire freaking

world you're wasting your time do not spend more than 30 minutes and spend two thirds of that because you have two ears and one mouth, two thirds of it listening, one third of it talking. So you got 20 minutes of listening and 10 minutes of talking. Do not go 32 minutes. Do not go 31 minutes, 30 minutes, because what you're going to find if you haven't already found this and I found it back when I used to do the interviews, I don't do them anymore. But some people walk in the door and hadn't even said a word and you're already uh-uh it's all over you know nope you got confused somewhere along the line you got confused you're not qualified and so but you have to spend a few minutes with them and then if you don't watch you like people and i would spend an hour with somebody that i was never going to hire in a

million years and it wasted their time my time frustrated everybody involved so no just just 30 minutes we're going to get in and out and that sets the stage jeff real quick you said you have so many applicants you can't uh talk to all of them uh how many are we talking about and for what type of positions or position are we talking about so they're they're mid to entry level positions. And I would typically get, you know, three months ago, I would have gotten five to eight resumes, four out of five or seven out of eight would have went straight in the trash can. And today I'm getting, you know, 50 applicants to the same job. And I'm finding 15 that just look beautiful. Okay. So let me just

give you one other thing. I think what Dave is saying is right. Before you get to the phone call, I think in these times with the amount of applicants that are coming in due to the massive unemployment numbers, I would email all of these people. And I'm going to test one of the qualities that Dave talked about in Pat's book, Ideal Team Player. I want to test for hunger. See, because Pat and I have actually talked many times on the Entree Leadership Podcast.

He used to host the program here for Ramsey Solutions. And Pat and I, and I think Dave's in agreement, you can't teach hunger. I can teach humility. I can train humility. And I can teach people smart and train people smart. I cannot put an appetite in somebody that does not exist. And he agreed with me on that. I would send an email to all 50, and I'd say, some type of quick assignment.

It doesn't have to be a long thing. You're not trying to scare people. But you're trying to delineate, Dave, between the people that are hungry and the people that are just looking for, give me an interview. I want to see some hunger. And I'd say, some type of question like, could you send us in 300 words why you want this job and why you think you would be better than other people that are applying? Something like that. You can make up your question. Make it relevant to you.

I think those that respond, I'd look deeper at their resume because I think they're showing some hunger, at least some initial hunger. Just an idea. Give them a little thing to jump over. And people that aren't serious will go, eh, I'm not jumping over. Absolutely right. Okay, you self-select. You might get 28 out of the pile. Because they may just be mass emailing resumes like everybody does.

I'm telling you that's happening. Yeah, it's definitely happening. So what we're trying to do is get the riff off. I mailed out 500 resumes. I got no responses. Well, that just crap doesn't work is why. That's right. We're not looking for people with a pulse.

We're looking for people with a purpose. Questionable on the pulse, yeah. No, yeah, people that are wired up and fired up. And so, yeah, give them. I mean, I've known guys that were more manipulative than I would suggest. But if it was like a sales thing, you you know i'd send out something and then not respond for three or four times and see if they'll keep coming at you that's right because sales is about rejection and are they going to keep coming at you i don't do that i think that's a wee bit

manipulative it is but it still makes the same point of um if you put just a little bit of a filter up it'll screen out a whole bunch of it that's right a whole bunch of the last for hunger and by the way to your point dave because you really created the interview process that, of course, we still do. And we teach at Entree Leadership. And it's one of the hottest lessons every year at Entree Master Series. How we do interviews, our interview process, it works, folks. But I'm going to tell you something. If you can get to the point where you come up with some of your litmus test questions to gauge hunger.

I'm telling you, it'll really help you because people will fake hunger, but the ones that are really hungry, they'll stay on the line. So to that extent that you can really do that, it's going to really help you get the right people. Look for hungry people. You can train them to do just about anything. Yeah. I mean, you can really test for all three things. Well, you can, but I think hunger is super important.

Yeah, I agree with that. It's hard to light wet wood, you know. That's true. I was burned out. Not possible. You were never on fire. This is The Dave Ramsey Show. Families all over the country are discovering a faith-based and budget-friendly way of meeting health care costs, whether they're anticipated or completely unexpected.

For example, take the Olcheski family from LaGrange, Texas. Jeff and Carice had just celebrated the birth of a new baby boy. Shortly after, they had another expensive medical issue come up. They could have faced a huge financial setback, but thanks to Christian Health Care Ministries, the Olcheskis were spared from a ton of medical bills. As members of CHM, they're part of a group of believers who financially and spiritually support each other.

CHM is the longest serving health cost sharing ministry and is a Better Business Bureau accredited charity. It's Christians helping other Christians and it shared nearly $97,000 to help the Olcheskis. To be a part of Christian Healthcare Ministries, visit chministries.org. That's chministries.org. CHM is a proud sponsor of Dave Ramsey Live Events.

Thanks for joining us, America. This is the Dave Ramsey Show. My co-host on the air today, Ken Coleman, Ramsey personality, number one best-selling author of the book The Proximity Principle, taking your calls about life, money, jobs, careers. It all comes up here on the Dave Ramsey Show. Eddie's next in Oklahoma. Hi, Eddie. How are you hey dave good uh how are you better than i deserve how can we help uh well first of all i want to say it's a pleasure speaking to you and ken bull and uh it's truly pleasurable so

thank you sir you too so i I was just offered a pretty exceptional position with another company, and I'm just kind of torn between taking it and not. It's a substantial pay increase, and so I just don't know whether I should take it or not. Cool. What do you do now? What do you make? And what's the new position, and what does it pay? So I work at a school, a local school around me, and I make about $60,000 with that.

I retired from the military recently, and I make about $60,000 with that as well. So I make about $120,000 right now. The position offered to me would start at 250K. And the only issue that I see with it is that I'll be traveling four to five days a week. So the biggest, I guess me and my wife, we're just trying to figure out. Do you have children? We understand. Yes, we have children. I retired from the military because I wanted to spend more time with my family and children. And now this presented itself, and I'm like, man, I mean, it's hard to turn down that much money.

What age are your kids? So there's a gap, 4 years old and 14 years old. Okay. Well, for $190,000 a year, you can have them come with you a lot. Yeah, yeah, true. You know, they could have a great adventure for a few years with you part of the time, and part of the time they won't want to. And then the other question I would have, and then I'll let Ken jump in,

is I wonder if there's a way to structure the job differently, even if it paid slightly less, where you had more time at home, like some way to do the job differently and had like 50% travel instead of 100% travel? So after six months, that is an option. Okay. How much? How does it change? After six months?

They said instead of traveling four to five days a week, it'd be more like two, maybe three days a week. Yeah. So I'd still be traveling, just not as much. Maybe take a week off here and there without traveling. Okay. So I'd still be traveling, just not as much. Maybe take a week off here and there without traveling. Okay. So I have two questions then. First, is Dave's suggestion even doable where you could take some of the kiddos with you on these trips? Absolutely. Okay. I think that's a game changer. And then the six months, you can put up with just about anything for six months.

And so my next question is, when it goes to two to three days a week does that make your heart feel better as opposed to four to five and your wife's it it does yes because i mean that would allow me to hit football games on mondays fridays um spend more time with the kids throughout the week as well as the weekend so yeah i think it would well i think i think that's changed i can even hear it in you that's changed it when you started focusing on that i think when you called you were dealing with head versus heart your head's going you'd be a fool to turn down that kind of money but your heart's going oh i don't know i don't want to be away from my kids even two to three nights isn't that what's really going on exactly ken yeah Ken. Yeah, exactly. Well, so the question becomes, now that we've

walked through this, if it's six months of heart hurt, knowing though that you're doing so much for the family with that additional income, and you're going to get to travel with some of the kiddos and have this amazing one-on-one time with them. So that's going to ease that heart hurt. It's not as bad. And then after the six months, it gets even better uh what's your head tell you now what's your heart tell you after that no i mean it feels better i yeah well i think if your wife's on board because i do believe in you know you both need to be on the same page here because you're still talking about two to three nights a week but if she's on board i think it's a no-brainer here's the thing it's not unusual if you work in town to be out of touch two nights a week just doing stuff without the kids with your friends.

You know? You're 100% correct. And so you're not – it's not like, you know, it's not like you're there 24-7 anyway. No one is. And so – and, you know, I think the fun thing is just look at the six months as an adventure with the kids. Word has it, if you're four years old, that the hotel pools are magical. It's actually true. I don't know that I've ever seen my kids more excited than when we tell them, hey.

Than a hotel pool. Yeah, you get to go on a trip with Dad, and there's a pool there. Yeah, I know. It's true. It's a good point. But, yeah, if you're four, it's a big deal, you know, and get to travel and do stuff and, you know, spend some of the money to make up the gap is the thing and turn it in, you know, make it an extended weekend that you pay off the expense account. If you're going to a cool location, stuff with me, but she's figured out that traveling is not that it's like work when we're working. Yeah, right.

Because when we're on travel and we're working, it's because we're working, Sharon. That's right. But, yeah, she's like, well, then we need to go on vacation there. But when we're working, we're okay. So we had to have a different, but it didn't work out, in other words. But I think you could do that for six months, and then two to three nights is really not a deal killer if you're present when you're home i don't think you know you were gone your kids will remember these trips with you one-on-one more than anything else you do with them yep like those date nights exactly

good stuff good question and congratulations what a nice what nice kick. And thank you for your service. You're a great American. $190,000 raise. That's a big one. That don't come up every day. All right, Jerry's with us in Texas. Hey, Jerry, how are you? Hey, doing good, Dave.

How are you? Better than I deserve, sir. How can we help? I have two questions. First off, my wife and I make $120,000 a year with $49,000 in debt. Half of that is my truck that I owe $23,000 on. Now, if you've been to Houston, you know how bad the traffic is, and I feel obligated to have a safe, reliable vehicle for my children.

My first question is, is it a good idea to sell the truck and buy a $ to three thousand dollar vehicle to drive two toddlers around houston oh brother i mean your verbiage on this is just ridiculous you can't drive a three thousand dollar car because houston's not safe then you need to move out of houston that's ridiculous now i don't mind you keeping the truck because the numbers work but your rationalization and your question was just moronic you just can't do that man you you know you can't tell you're not going to call up here and tell me that your kids are going to be killed in Houston because you're driving a three thousand dollar car that just doesn't work

Dave I feel like you I feel like you held back on that call yeah really I don't feel like you're fully engaged today well the thing is this yes you could keep the truck i would keep the truck if i were in your shoes but not because of the reason you said i would keep the truck because it's a reasonable truck when you make 120 000 you could pay off 49 000 in one year if you roll up your sleeves and get with it yeah but um let me tell you though here's the problem the reason i'm jumping your case, because my brain works exactly the same way yours does, and I heard myself 30 years ago saying stupid stuff like that. And here's the problem.

As long as you use rationalization like that, you're going to make horrible financial decisions. Because you painted up a picture here where you have to do something that's unwise financially in order to save the life of your children. And so what you need is a third option always okay and um you if you over dramatize everything and keep it in hyperbole like that you're always going to make dumb decisions however in your case because of the numbers i would keep the truck sounds like it's a nice truck nothing wrong with 25 000 truck25,000 truck when you make $120,000 a year. I'd roll up my sleeves and get the stinking thing paid for. That's what I'd do.

Hey, man, thanks for the call. Ken, there's a thing that happens with any critical thought, whether it's in your area, in careers, or whether it's in the money area, you cannot come up with two bad options. It's fatalism. Yeah. And say, okay, do I stay at the job where I have a toxic work environment and they're abusive, or do I take a job making half the money?

Yeah. Well, these are two dumb options. It's flawed. You paint yourself into a corner. There's a third option. Get a job at a good place that makes more money than you make now. That's another option. But don't paint yourself in a corner with these strange dichotomies that you build up.

We all do this in our heads. We all do this. We all have to stop it. This is the Dave Ramsey Show. show. Most people's money problems come from not paying attention. That's why before I spend a dime of my money on something, I do the research and make sure it's going to live up to what it claims. Recently, I got a great pair of sunglasses from a company called Shady Rays. When you're looking for sunglasses, it feels like your options are limited. Name brand sunglasses cost too much and the cheap knockoffs are ugly and really don't protect your eyes.

Discovering Shady Rays is a game changer. With Shady Rays, you can count on premium sunglasses that protect your eyes and are affordable they give people the best overall value in sunglasses they also replace your shades with a brand new pair if you lose or break them from day one of your purchase and they guarantee your sunglasses for life plus they offer an exclusive for ramsey show listeners go to shadyrays.com and use the code Ramsey for 50% off two or more pairs. That's ShadyRays.com, code Ramsey. Thanks for joining us, America. It's a free call at 888-825-5225. Ken Coleman, Ramsey Personality, is my co-host. We're talking jobs, careers, life, money.

Well, whatever you want to talk about, we're here to help. Ryan is with us. Ryan's in California. Hey, Ryan, life, money, well, whatever you want to talk about, we're here to help. Ryan is with us. Ryan's in California. Hey, Ryan, how are you? Good. How are you, sir? Better than I deserve. How can we help?

So I'm calling. So I'm 22 years old, and I have a daughter, and I'm engaged. And we are, financially, we're okay right now. And I'm trying to figure out when is the right time to start my career, as in going to college and getting my degree, and then without going into student loans. Well, let's first talk about where you want to go. What is the career path that you think you want or you know that you want? Business management and marketing.

Okay. I did it all four years of school. Sorry. Okay, good. So you didn't complete your degree? No, I did it four years in high school. My school had different programs you could take for the whole year or half a semester, depending on what you wanted.

So I took all four years of high school. Okay. And gave me some college credits. Okay, great. Just for fun, tell me, forget about job title. I don't really care about the job title, but if I could just wave the old pencil and give you a business management or marketing position, I wanted you to think about a marketplace match.

What would you be doing tomorrow? What would that day look like? What kind of work? I'll be looking at probably depending on what I'm doing, trying to figure out the best way to make an appeal to other people and also the best way to really go about the business or the market deal or whatever the case may be. So leading a team and solving problems in a team environment, you in a managerial or

leadership position, whether that be a marketing problem or a business solution problem. Did I get that right? Yes, sir. Well, I'm going to challenge you to really do your own research on this. But I'm going to ask you point blank. Do you think you need a college degree to get that job? No, I don't. But at the same time, yes, I do.

Just because I guess like any other father, I'm trying to make a better life than I had for my daughter. Right. So it's more of trying to do the best thing for her, but also trying to do what I want to do. I mean, I kind of messed up my first career choice. I was in the military for eight months, and then I had something happen to me medically where I couldn't stay in it, and it kind of set me back a lot. And then right when I came out, my fiancée was pregnant.

I get it. How much money do you make right now in your current job? Annually? Yeah. $40,000. Okay. And you don't have the money right now to pay cash to cash flow your way through college, correct? No.

No. Well, because we're not for student loans. That's why Anthony O'Neill wrote a book that we're going to give to you at the end of the call called Debt-Free Degree. That will show you many ways that you can get this degree if you feel like it is the best path forward for you. And it might very well be. But there is a way to do it and cash flow your way through it. And it's a wonderful book, number one bestseller. So we're going to give that to you.

I want you to read it and do it. But I would also tell you that I want you to consider that through your connections and through your military background and experience, I think you've got a lot to offer. And the question is, is how could you make $40,000 or more and replace that current job in a role that is involved in the type of work that you just detailed out for us and begin to make progress by following? You know, the best leaders, Dave, are people that are first followers. And I don't want to knock business degrees. I don't want to knock any of that. But the reality is you can go to a four-year school, get a great business degree or marketing degree, but you're still going to have to get in.

And you're going to have to entry level and you're going to have to work your way up, improve it. And so I would just have you look at both options until you get to a place where you can cash flow your way through the degree. Don't feel like you've got to rush into the degree. You're getting ready to get married. You've got a daughter. And so I want you to come up with a plan, at least an option, that doesn't require going to college right now, right away. So my option would sound like this if I were in your shoes, Ryan, based on what Ken's saying.

I think the degree is not important. The knowledge you would get while you're getting the degree would be very important for your business career. Okay? I've got a four-year degree in business and finance, and it has served me very well. A lot of the knowledge and things I gathered in that degree I use every day running this business. And so, you know, the academic rigor is worth the trouble on that degree. Is it necessary today for you to stop your entire life and go to school for four years when you have a baby and a wife? No, you're now what we call a nontraditional student.

You are no longer a kid straight out of high school going to college. You're now a grown man with a wife and a baby and a job, which means you're going to do night school, and you're going to do online, and you're going to take six years to get your degree instead of four. And, by the way, your new employer that Ken's talking about is probably going to pay for your education, which would really be awesome. So if you worked here in an entry-level business position, we will pay for your education as long as it's a class that is used here. We had one lady who wanted to take her nursing degree.

Well, we don't have any nurses here, so we're not going to pay for that. But kind of like paying so you can leave. That was not the plan of the whole thing. But anyway, we do support education, and we pay for tuition here up to a certain point per year. And, you know, you could find lots and lots of businesses, even small businesses that will participate and help you with some of your tuition as you go along and just work your way through, meanwhile, supporting your family. And by the time you're 30, you have a

degree and you've got seven more years of business experience and you've got the knowledge from the degree to go with the experience and to go with the degree and you know you set yourself up for a really good business career in your 30s 40s and 50s and lots and lots of people do that and uh so you know just you just but i'm going to stop everything with a baby and go a hundred thousand dollars in debt so that i can be a full-time student no bad idea yeah so hold on we'll have madison pick up and get you a copy of ken of um ken's book and anthony's book give them both proximity principle hey it's the book giveaway the score yeah one point to make, too, that there's non-traditional education, and you would be surprised at how many great classes there are online that don't cost a lot of money

that can teach you how to be a great marketer. You know, Chrissy Wright said people like Amy Porterfield and other people at Business Boutique. My point is I'm not endorsing any of those. I'm just saying that there are people out there who can teach you marketing and teach you some things that aren't traditional college classes as well that will help him in that interim plan. Just get hired and get in the field and then get that degree. Well, again, I think if you've got a marketing and business situation,

I'll go in there and empty the trash cans to get my foot in the door. Absolutely right. And get started and make $25,000, $30,000, $40,000, and they pay for my education, and I'll work my butt off and I'll make myself so valuable that I get promoted as I go along. I'll be learning and sitting and listening and reading and learning and taking classes. And you can accomplish all of these goals while still being a great dad. And you are a great dad. You're going to be a great husband.

You're going to do great. So let's get this going and get in gear and we can cause that to happen so the thing that i think i still hear it can uh everywhere it's so prevalent i think it's caused it's added to this financial loan or the student loan debacle is the idea that the old movie Willy Wonka with a golden ticket in the candy bar, you got to go visit the wizard, right, because you got the golden ticket. You got to visit Willy. And that somehow the degree itself is a golden ticket. And when people say college graduates make more, it's not because of the degree. It's because the field of study is actually usable, and knowledge increases your acceleration in areas.

It gives you, you know, gets you over speed bumps. And so that's what's valuable. But somehow a few years back, 15, 20, 30 years ago, we flipped the switch from saying education is important to saying degrees. You have to get a degree. Like as if you get the degree and then you go home and sit back and just bail money. That's just BS. It just doesn't happen that way here in the real world. You can have the degree, but you're still going to have to compete for the job.

You've still got to kill it and drag it home, man. You've just got more tools to kill it.'s all this is the dave ramsey show please hear me loud and clear. The government is not going to bail you out of your student loans, at least not completely and not without a catch. What they're talking about only impacts federal, not private loans, and you need to take responsibility for what you owe and pay your debt down quicker. Right now, Splash Financial is offering their lowest rates ever.

With lower rates and extra payments, you could just find yourself debt-free in the next five years. Visit SplashFinancial.com slash Ramsey to see if you qualify. Well, during these crazy times when everything got completely shut down, we knew everybody was trapped at home and we thought, how can we help? So we did something we've never done in 30 years. We introduced a 14-day free trial to Financial Peace University, a Financial Peace membership that gets you all nine lessons of Financial Peace University, including full access to EveryDollarPlus, the budgeting app, including the Baby Steps Tracker app,

which allows you to track your progress as you go along, all free for two weeks for 14 days. Well, guess what? That was six weeks ago or whatever it was now, and about 100,000 of you have taken us up on that. Thank you. We're glad you could visit, and some of you stuck around and are going to be members and hang out with us and continue to learn throughout your life, and we'll continue to teach you. It's what we do. So we're continuing it for now. I don't know how much longer this will last, but for now we have a 14-day free trial on Financial Peace University.

Go to DaveRamsey.com slash FPU. This is the class that 6 million people have been through. This is the class that shows you every detail. This is a class you should have been made to take or we shouldn't have let you out of high school. I mean, it should have been, like, mandatory to be an adult, but it wasn't. So 14-day free trial, including the EveryDollarPlus budgeting app, including the new Baby Steps Tracker app,

the only place you can get the Baby Steps Tracker, by the way, including all kinds of access to coaches, including community. It's a massive premium product. Free for 14 days. DaveRamsey.com slash FPU. Bianca is in California. Hi, Bianca. How can we help? Hi, yes. Thank you for taking

my call. I'm really quick here. I'm sorry. I'm a little nervous. I'm in my mid- 50s. Healthy. Baby's get two. I'd like to know if I should sell my house that I bought three and a half years ago when I divorced. I needed something, comfortable payment. I have that.

I love my house. But I work one and a half hours away. I commute. I don't mind the driving except my car, like you say, is being destroyed. But I do love my job and I love my house, and it's one and a half hours away. I work. It's like self-employment, commission only. But like I said, I enjoy it.

It's with flowers. I supervise different stores over there, and that's what I do. So should I sell my house? What is it you do for a living? What do you do for a living? I work. I'm a 1099 employee. I work in a flower business.

Flower business. Doing what? I supervise. I take care of them. I sell them. I'm not there all the time. Just basically overseeing it, monitoring inventory. I mean, working with them with the flowers and just selling them.

You work in a flower shop? You manage a flower shop? It's kind of, yeah, three different stores. How are you a 1099 employee? You're not a 1099 employee. Yeah, it's improperly done. You're a manager of three flower stores. Well, no, they are inside of another big chain corporation.

It's like a little stand, you know, how they have inside different stores. Do you own them? Like Ralph, for instance. Well, no, I don't. I don't, but I get paid a commission only. Okay. So where's your family? Well, I'm by myself.

I divorced three and a half years ago. I have two daughters. They're grown. They're near my place of employment over there. That's why I kind of like them. I get to see them more. Okay. So you have two reasons to live over there.

I give you three. No, but I like where I live because I'm in my mid-50s, and I'm looking at retiring maybe like if you never know your health. But in my, like a 65. I know. You have your family over there and your job over there. What's wrong with moving over there? It's too expensive. I wouldn't be able to afford it on my own.

Oh. Okay. Yeah, that's why i move over here when i said the divorce i bought purchased something that i could afford on my own and i love it i really like where i'm at in my pain and i'm happy here yeah i get that you're happy there but you're losing three hours a day of your life um which i listen i have I have an 11-minute commute, but I designed my life like I wanted it to be. And so, you know, we were not going to build this building an hour and a half from my home, or we were going to move my home, because I'm not going to commute through an hour and a half one direction.

That would just, dadgum, I could be in Louisville, Kentucky by then. You know, that's just nuts. So, you know, you could do that if you want to do it, honey. I don't care. So it's up to you. But it sounds to me like I'm going to look for a housing option over around work because work and kids and potential grandkids are over there. So over there is where I want to spend more of my time.

It sounds to me like am I missing something? I think it's three things. You know, it is the kids, the daughters, it's the workplace, but it's also, you know, the amount of time you're spending. And she called saying, should I sell a home? And then we find out, well, we think it's too expensive. I think there are other options. Let's say you move 30 minutes. So you go to that area, but you move 30 minutes outside. Now you've got a 30-minute commute, but it's cheaper there. So I think she needs to look for all those options because at some point uh that's going to wear on her there's no question about i personally would move near the kids and where the place of work is yeah if you can figure

out a way to pull the the purchase off that's the trick and i don't know how far out you it's california real estate which is just nuts so you know it may not be possible it's very much money she'd make on her house too right well if she stands to make a nice profit off of it yeah but even then she's got to be able to afford the place if it's double and some you know some of these areas are double so um you know you just got to look and but i'm going to try to find a way you can get anything else to do i mean you get three hours a day back and that's 15 hours a week if you are only working five days and um then figure all that out but yeah it's whatever you want to do but i i just

you call and ask me i'm not driving an hour and a half unless it's one direction for one reason not planning on going back soon uh kevin is with us in north dakota hey kevin how are you hey dave i'm working on my working man's phd how are you i got i got one of those how can i help well i'm looking at um making a career change i currently work in a in a bank a bank in a cubicle working with fraud and dispute paperwork, and I'd like to break out of that and get into a new IT field. And I'm trying to figure out what the best way to go about that would be. Sounds like a smart move. Yeah, yeah, that's absolutely right.

Do you know what kind of IT position you want? Have you identified, I'd like to do this type of work? Well, I'm really good at working with my hands. I like building my computer, building and repairing computers. I'm also thinking about getting into networking. Okay. So when you've got some options there, I like that you've got some options. So you need to do a little bit more defining on, okay, what would it look like in the marketplace

for me to use my hands and work on computers, whether it be building, I don't know if that's putting the parts together or the networking. So you've got two options. I'd love for you to think of a third, maybe even a fourth, just in that whole IT space. And so this is the idea of getting clear, okay? What are the options out there that would allow me to use what I do best, my talent to do something I really enjoy and create a result that matters to me? Now, when you're clear on those options, you've got to dive into them a little bit more. And you're asking, what do I need to do to get qualified? What qualifications do I need, either experience or education? And usually it's a combination so that you can get hired in those positions.

Now, once you've identified that, Kevin, now we look at, okay, how long is it going to take me based on my relationships, my life, my family, all that, plus my money and my budget? And that's going to dictate the time. So once I know what I need to do, how long is it going to take me to do it? That's what we're walking through there. And now you've got yourself a plan and you can actually see, and I'm making this up for round numbers, but it'll take me 18 months or 24 months and it's going to cost me this amount of money and I can see the future. And so you're doing this just to get an idea on all of those options. Now you're looking at, okay, and I'm clarifying, is what I just walked you through, and then in the process of clarifying, I'm verifying.

Yes, I want to do this. No, I don't want to do that type of technology work. So that's how you get there. That's how you build the bridge. Yep, that's the process, man. And get clear, get qualified, get connected, get started. These are Ken's steps. They work every time. Hey, man, thank clear, get qualified, get connected, get started. These are Ken's steps. They work every time.

Hey, man, thank you for calling in. I think you have a good plan. You need to clarify it and then start taking the steps to get there. Don't stop. Don't sit on your hands. That puts this hour of the Daveave ramsey show video channel you can now listen to the show on your smart speaker just tell your alexa or google device to play the dave ramsey show or find out all the ways you can benefit at DaveRamsey.com slash smartspeaker.

Hey folks, there's literally never been a better time to try online grocery. My friends at eMeals make it incredibly easy for you. eMeals creates a shopping list based on the meals you want for the week and then directly sends it to Walmart, Kroger, Instacart, Shipt, or Amazon Fresh. Your choice. Head to eMeals.com slash grocery. Find what delivery and pickup providers are available in your area. Try eMeals free for two full weeks.

That's eMeals.com slash grocery.