The Ramsey Show - App - Should I Quit My Job? (Hour 3)

Episode Date: August 2, 2022

Dave Ramsey & Ken Coleman discuss: How to pick up the pieces financially after a spouse's death, Quitting a job, Selling your business, Selling vs. renting out a home when you move, How to think through being recruited for a new job. 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 from the headquarters of Ramsey Solutions, it's the Ramsey Show, where debt is dumb, cash is king, and the paid-off home mortgage has taken the place of the BMW as the status symbol of choice. We help people build wealth, do work they love, and create actual amazing relationships. You call with your questions about your life. We'll help. Ken Coleman, Ramsey Personality, host of The Ken Coleman Show, number one best-selling author of the book

Paycheck to Purpose, is my co-host today. Thank you for joining us, America. We're so glad you are here. 888-825 two two five kathy's in tyler texas hi kathy how are you hi i'm good thank you good how can we help um i was widowed eight months ago and what happened oh my husband had covid pneumonia and threw a clot. Yeah. How old was he? 934 minutes, 63, and very healthy. Did 80 push-ups a day and ran two miles a day. Wow. How old was he?

63. Oh, my goodness. I'm so sorry. Thank you. I am, too. Just still in the numb stage. And coming to realize that I need to figure out my finances. And he provided really well.

I have $1.6 million in investments. I have $200,000 in the bank. That's life insurance I'm living on. I am an RN. I won't get vaccinated should Should I go back to work? $160,000 mortgage that I had planned to go back to work and pay off early didn't happen. Should I draw Social Security early on his? I'd get about 75%.

I'm 60, and I can't draw until 67 if I don't draw. Social Security either way is fine fine it's irrelevant to the discussion um okay because you know you got 1.6 million so i mean social insecurity is not going to change your life one way or the other if you get it now you get it later or you never get it your life's still going to be about what it is with the money you've got so the bigger question i've got is just emotionally as a part of the healing process does work help i currently volunteer as a nurse and yes it does but i don't know if it's work if it will be a lot more stressful than if it's volunteering. Yeah, well, here's the thing.

Whatever you're doing, you don't need the money. And so you're not going to be in a toxic situation or a high-stress situation for very long because you wouldn't need to be. You would just say, I think I'm done. Right. So I don't know what how you're wired um most people it does us good to put our hand to something and you obviously enjoy nursing and are good at it so i kind of just think it's not really getting to do with the money it's just got to do with kathy what kind of just think it's not really got anything to do with the money. It's just got to do with Kathy.

What kind of volunteer work are you doing? I work at a family practice clinic that serves the uninsured. And they don't require a VACs? No. No, they're happy to get an RN. I just think you need to challenge this idea that the only type of work you can do as an RN is going to require that. You're going to have to do your homework there in that area, and you certainly have the connections, and you know where to check. I would check that, and I think maybe part-time or take a full-time gig for a while, knowing that you have walk-away power.

As Dave said, you don't need the money, so you don't need to worry about doing too much. And I'd tiptoe into it a little bit and hang out with some other nurses, tell them your situation, what you'd like to do. I know there's a tremendous need in the industry across the board, a lot of burnout in that field. So if you find the right scenario, I think you get the best of both worlds. You can make some money, pay off the house. You can just be engaged and be involved as you continue to heal through serving others.

How much do you need a year to live? I was planning on doing about 60 a year to live. I've currently spent right at 40 this year, but I'm cutting back. I had a lot of travel that had to happen. I think I could realistically live on between 45 and 50. but I'm cutting back. I had a lot of travel that had to happen. I think I could realistically live on between $45,000 and $50,000. I think $60,000 is fine or more, $80,000, whatever. The point is the $200,000 will last a while doing that without even touching your retirement if you don't work.

If you do work, you could probably make $80,000 pretty easy, couldn't you? Yes. Oh, yes. Yeah. you could probably make 80 pretty easy couldn't you yes oh yes yeah assume again assuming you find something that's not uh gonna violate your personal medical freedoms in the process which is what you're requiring what you're requiring and i'm i don't disagree with you on that so um you know and you know the medical world as you know as you know, there's so many different things you can do as an RN. Oh, yes, yes. I did home care before I quit work when I had kids. And I don't think I want to do that again with gas and everything.

But I do love being a nurse, so I definitely want to do it again. You're a caregiver, and it will be good for your broken heart. Yes, definitely. That's what I think. My husband was a family nurse practitioner, so it's just, you know. Yeah, you know, and then the benefit is on top of that, oh, and you're making money, you know, too. But to me, you know, you could set this $1.6 million with a, you know, sit down with one of our SmartVestor pros or your advisor, and you can pull $100 off of that for the rest of your life and never touch it. Because it ought to make $160,000 to $200,000 a year.

If it makes 10%. Not right now. Well, on average, the stock market is average between 10% and 12%. And so on average, you know, it ought to make you, you know, $150,000, $200,000 a year. And if you pull $100,000 off, you know, you're not going to hurt anything. And so that's what I mean by Social Security is irrelevant. If you want to take it, fine. If you don't want to take it, fine.

And if you want to go it fine if you don't want to take it fine and if you want to go to work fine um that's why i start discussing work through from a different perspective um i mean we're about the same age if something happening to sharon i can promise you i'm working uh not to medicaid and not not in a sick way or something like that but just to uh stay connected to other humans to not sit at home and you don't want to sit home watch netflix i mean it's just a bad idea yeah and so um you know but the volunteer part's okay if you want to do that that's okay if you decide you don't want to do this but i i think you look for the right fit where it's a good environment quality people they're not requiring that you violate,

that they violate your medical freedoms with their requirements. And, you know, the, you know, and again, there's no hurry. If it takes you four or five months to stumble into that, that'd be okay. And if you work there a little while and you go, you know what, I'm not having fun. I'm out of here. You got walkaway power, as Ken said, and that's, I think that's beautiful sorry for your loss yes very much i'm sorry so that's a tough tough thing to walk through and um yeah the great news is you all have done a wonderful job with your finances and i have become millionaires as nurses

there you go. This is The Ramsey Show. សូវាប់បានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបានបា Ken Coleman Ramsey personality is my co-host today thank you for joining us and uh Ken you're all about passion yeah uh Dave you know I mean I mean, I'm super, super convinced that my purpose, I talk about purpose in work a lot, but I think my purpose is to give away your money, Dave. I used to say that for many years when I got to host live events. I would tell the audience, I have the spiritual gift of giving away Dave's money because I was the guy giving away. Well, everybody ought to have a gift. Yeah, so I feel like that purpose is back uh so uh i am super excited to announce our ramsey cash giveaway is back we're giving away

five hundred dollars every week and a grand prize of three thousand dollars so uh free money in the inflation time it's free money time it's free money time it's free money in the inflation time. It's free money time. It's free money time. It's free money time. Help you with your groceries. You can pay off debt. You can add it to your investments. That's correct. So the $3,000 is given away in the month of August, and the $500 is every week.

So here's how you enter. It's super easy. You go to RamseySolutions.com slash giveaway. That's RamseySolutions.com slash giveaway. And you can enter every day for extra chances to win all month long. No purchase is required, but you've got to be 18 or older to win. So remember, the website is ramsaysolutions.com slash giveaway. Our question of the day comes from blinds.com.

They have a 100% satisfaction guarantee. That means if you screw it up, you mismeasure, you pick the wrong color, like I've done, they will remake your window blinds for free. You get free samples, free shipping, new promos all the time. This is an incredible American company. Blinds.com. Use the promo code Ramsey, and you'll get the best deal. Today's question comes from Robert in Virginia.

I'm 40 years old working for the government earning $80,000 but I absolutely hate it. Don't be unclear Robert. I don't know why we're laughing. I'm sorry that we're amused by that. It's just his phrasing. You can feel it. You can feel it popping off the page. I hate my job. That's right. He's been there for 15 years and he says I cannot break into management. They've promoted someone with no experience or education over me a couple of years ago. I've always wanted to get into tech and coding, but I know those jobs don't initially pay as much as I make now. I'm going to push back on that one momentarily. I have about $100,000 in debt. If I left my job

and took my pension, I would receive $85,000 and have another $20,000 in an IRA. This would give me the opportunity to be debt-free and start fresh. Should I quit and start fresh or stay where it's safe and keep trying to chip away at the debt? So, number one, don't stay where you are because you're already resenting this current place of employment. You've been overlooked, and that's very personal to you, and so you're going to decay. Your soul will decay if you stay. Now, before you quit, though, I that's very personal to you, and so you're going to decay. Your soul will decay if you stay. Now, before you quit, though, I want you to get qualified. I endorse a wonderful organization called Bethel Tech. It's a nine-month program. You can cash flow your way

through it, and they are having students starting at $68,000 to $70,000 a year. That's slightly below what you make. But, Dave, if he's got the 85K and the 20K in the IRA, I'll let you address that on the debt. So nine months he becomes a Dev 1. That's exactly right. Now he's on his way. And you're talking about a – A Dev 1 is a 70 to 80K right now.

Yep, that's right. And you can step into that, and then you step out. But the good news is if you'll continue to develop those code skills and move from the dev 2 dev 3 to start learning platform start learning some of the other things that are out there in the tech world continue to grow in that that you know we got guys in this building they're making a couple hundred grand that's correct and we've seen lots of them yes programmers are still in demand software engineer is a big deal and so um uh the the market is going to get more competitive there it's been a um it's been kind of a an employee's market uh for the last

little while and uh but it's a lot of this recession is slowing things down we're going to see some of these developers on the street that's correct and um so but yeah but i still would go do this yeah so stay in the government job now he can do bethel tech while he's got a full-time job absolutely okay he's doing it online that's where all their students do it's a nine-month program by the way they give ramsey show listeners a discount off of the 15,000 so uh i got to spend some time with the guys the wonderful people founder yeah of that a while back they're good people. Yeah. Well, we're seeing great results.

We're seeing people that are starting jobs in the $75,000, $80,000 range. They're cash flowing their way through it. We're using them to fill some of our developer needs as well, internally. So in addition to they became an advertiser on your show. But they're good guys, and that's a's a valid thing yeah go to coach school dude yes definitely definitely get out of the state job but do not quit until you're qualified and then you got something else to step on to i just always want to make sure people hear we're not a big fan of jumping off a cliff nine months that's right this time next year you're in the new job

yeah and uh the debt free can be debt free would advise that, though, Dave, on the cashing out of the pension? No. To pay off his debt? No, you're going to roll that pension over into a 401k or into an IRA to keep from having the taxes on it and the penalties and everything. No, you don't want to do that. You don't want to cash it out. But you can work your way through the debt. We just got to get you where you're not miserable first.

That's right. And that's the thing. lots of lots of opportunity there dave is with us dave is in detroit hi dave welcome to the ramsey show welcome to you guys great glad to um talk to you guys today i have a situation where i have a company that approached me about buying my about acquiring my company and i'm just wondering what type of questions that i should ask them and what type of questions they're going to ask me do you want to sell it that type of stuff well i'm getting close to 60 and that was my purpose to be retired by the time i was 60 cool okay do you have they got a uh you know like a an offer memorandum or a letter of intent or anything with a dollar amount on it?

Not yet. Roughly, my gross profit last year was right around $750,000. So I'm figuring it's worth right around $3 million to $3.5 million. The company is completely debt-free. I'm completely debt-free. I have a retirement of $500,000, and my house is worth almost a million. Yeah. So you walk away with $3 million cash.

You're gone, right? Probably. Yeah. No, not probably. I would be. I'd be out of Dodge. What kind of company? What do you do?

Construction supplies. Good for you. I go around and call in people out in the industry and that. The thing is, it's just, you know, the emotion side of it and all that. I know you've been through some of that and just trying to get a perspective of that. Help me with what you're talking about. My emotion is, woo-hoo, you want to retire, you've got $3 million. What's the emotion?

The emotion is they probably want me to work two more years afterwards. Oh, okay. Do you want to do that? I'm not sure. Not really. Okay. Then that becomes part of the negotiation, you know? Okay. Would you take, you know, if they say, okay, you know, we'll give you 3.3 if you work two years, or we'll give you three if you don't.

You're probably going to take the three and go. Yep. Okay. You know, I mean, just start talking that through with them. And you want to stay long enough to ensure the asset that they bought is valuable to them. But, you know, customarily that would be a year. Anything past that, they're starting to buy you with the deal. That's the question I have, Dave.

That's going to get more expensive. Yeah. Are you like 95%, 65%, 55% of the relationships with your customers, or do you have other people that are selling? No, I am pretty much doing everything with my company. I work about 72 hours and five days. I do all the selling, all the billing, all the delivering. Well, they want to make sure you bring up the next guy on the connection.

Delivering and billing is something they can take on immediately if they're in the same industry. But the selling and the relationships, that's what's valuable. And they want you to be there. I i mean you would if you're buying it you'd want to be keep the guy long enough to make sure that connection happens because if all those connections go sideways because you're out of there too soon then then they bought a bag of dirt they didn't buy anything right yeah and that's what i don't want to happen. I mean, if it's going to get bought out, I'd like to see it continue with all of that. Yeah. So, I mean, it'll take a year, wouldn't you think, to get the new guy in the saddle and you be riding with him?

Oh, yeah, I wouldn't. I'd work one at least a year. Yeah, so I just think you begin the discussion with these guys and, you know, make sure they're not thinking they're going to buy it for a million and you're going to work five years because I think the discussion's over at that point. Because we're not even the same ballpark. But if we can get the same ballpark, we can start a discussion and negotiation and say, hey, I want you guys to win.

I don't want to rip you off, but I'm walking out of here. By the way, you are walking out of there with cash. Cash. Not terms. Not they're going to pay you on the come. Cash. This is the Ramsey Personality, is my co-host today in the lobby of Ramsey Solutions on the debt-free stage. Matthew and Caitlin are with us.

Hey, guys, how are you? Good. How are you doing? Good. How are you? Great to have you. Where do you all live? Albany, New York.

Wow. A bit of a haul to Nashville. A little bit. Well, we're glad to have you. How much did you pay off? $128,000. Way to go. And how long did this take?

40 months. Wow. And your range of income during that time? Between $95,000 and $122,000. Cool. What do you all do for a living? I work at New York State at the Insurance Fund as an internal auditor. Okay.

And I'm an athletic business manager for the University of Albany. Oh, wow. Go Great Danes. Yeah. Love it, girl. Go Great Danes. I love it. What kind of debt was the $128,000?

So $12,000000? So it was $12,000 was a car loan because we were normal. Car loans, house renovation, and student loans was $88,000. Wow. How long have y'all been married?

Four years. So sometime shortly after marriage you looked at this mess and went, we need to clean this up. What happened? Tell me the story. So it was actually before we got married. Okay.

My sister's here, and they actually were here seven years ago and did their debt-free scream. Oh, fun. And we knew once we got engaged, we didn't want finances to be a root of problems. So we decided we were going to cash flow our wedding when we did that and uh that was about 20 000 that was not included in our debt and then right after we got married we decided uh we were gonna take this uh by the bull by the horns basically yeah and uh we just just basically were just good selling tents ever since then. So a little over three years, boom, 128,000 is gone. Yeah. Yep. Life changing. Yeah. Yeah. And how'd you get connected up with us? So my sister was a primary example,

doing their debt-free scream. And then it was actually funny when we walked into the studio today, you had our pastor on, Pastor Craig.ig yeah so we go to life church in albany and they uh they did a life group there and we got into into that and we started leading uh life groups as well and uh just life churches life groups all went through financial peace university yes yeah and i also wanted to give a shout out to one of our attendees, John and Maria Boiler, who paid off $57,000 of debt in about two years. Yeah. Very cool. And your group then?

Yeah, part of our group. So they were the first ones that we helped lead to debt-free as well. Okay. So you led a group? Yeah, we led a group. Oh, wow. Okay. Well, thank you.

It was a good motivator when we were going through baby step two to keep going by leading others to do the same yeah yeah it does and it's kind of hard to not do the stuff if you're leading because it makes you a hypocrite yes exactly yeah I was going to ask you specifically can you share maybe a story or a moment maybe where you saw yourself as leaders and in that community, it spurred you on maybe when you needed it? Well, so when we did our first group, I felt like, you know, there were a lot of people that were wishy-washy, but we kept like telling them about Matt's sister and his brother-in-law and how this program really does work and how like if you just keep pushing through it,

it will get you to the end. And so like, you know, we saw how it worked in the first group that we went through with other people who were going through it the will get you to the end and so like you know we saw how it worked in the first group that we went through with other like other people who were going through it the first time so then when we were able to do it the second time we were able to help our friends to like really push forward and to get debt free as well so it's just yeah love that very very cool all right when you get right down to it and somebody's sitting in the group or one of your friends asks, you paid off $128,000. How did you do that? What do you tell them the key to getting out of debt is?

So I would say working hard. I mean, there were nights and weekends, and there were – so she worked at Jimmy John's in a sub shop for a couple years. Most recently, even with us being debt-free, we're still doing some of these things. She's making pizzas on the side i uh i've roughed high school football for uh about 12 years now so i've used that income as well to to help as a side hustle um but just basically working hard just staying gazelle intense and when you feel like you're falling off the wagon just you know you just got to go back to the roots and cause it's hard. It is hard, but it's, uh, it, the reward is definitely greater than, than being in debt. I should say. Proud of you guys. Way to go.

Very, very, very well done. Excellent. Excellent job. So now that you're completely done, how's it feel? It's so great. We moved on to Baby Step 3, and now we're doing Baby Step 3B, where we're saving up for a house. So that's like our next step. Just walking right through the baby steps. Yep, walking through them.

Very cool. Good for y'all. Hey, we got a copy of Baby Steps Millionaires for you. That's going to be the next chapter in your story for sure. Thank you for leading the classes, and thank you for being you. You did a great job. I'maires for you that's going to be the next chapter in your story for sure thank you for leading the classes and thank you for being you you did a great job i'm proud of you thank you thank you really got taking control of your life early in your marriage here you got all kinds of bright future ahead of you yeah very very very well done good good stuff also we got another copy of financial peace university for you a member one year membership

you'll be able to give that away as you lead the class to somebody. Thank you. Since you all have been through it, the new videos are out with Dr. John Deloney and Rachel Cruz and George Camel and me. I think it's the best FPU

we've ever done right now. And so I'm real proud of it. But yeah, make sure as you continue to lead the classes, that'll help you do that. And a total money makeover book. You'll find somebody to give that to too, I'm sure.

But wonderful, wonderful, wonderful. Thank you guys so much for making the trip down from Albany. So proud of you. Before you count them down, I've got to ask, Matthew, when you're reffing, when you throw a flag, do you go up? Do you just go straight up, or do you throw the flag at them? I've got to know. I'm an umpire, so I'm in with the linebackers.

You're in the middle of the action. I am. So it's more of I'm throwing more spot fouls than I am up in the air, but sometimes you've got to throw it way up. All right. That's what I wanted to say. He's in the danger zone. He's in between the linebackers and the line.

He's got to be careful not to get run over. Yes. All right. Sorry, Dave, for the interruption. I had to know. Is he a flag up guy or a flag at guy? These are things I didn't know existed. He's a spot.

I needed to know. He's throwing it at the spot. I like didn't know existed. He's a spy. I needed to know. He's throwing it at the spot. I like that. All right. All right. Spotting it. Yeah, there we go. The offense happened there.

Yes. All right. Matthew and Caitlin, Albany, New York, 128,000 paid off in 40 months, making 95 to 122. Count it down. Let's hear a debt-free scream. Three, two, one. We're debt-free! Yeah!

Woo-hoo-hoo-hoo! Way to go, you guys. Way to go. Beautiful work. Very, very, very well done. Pretty incredible. Well, that's how it's done, ladies and gentlemen. Open phones at 888-825-5225.

You jump in. We'll talk about your life and your money. Candace on Facebook says, My husband's preparing to retire from the Army, Ken, after 20 years. He's in cybersecurity. Oh, good. It's been recommended to get a professionally made resume, considering he will be applying for jobs with a salary over $100,000.

He got a quote for $800. Does that sound right? It sounds probably right, but it's also ludicrous. So, yes. Do I think that people are charging that and getting that? Yes. But I got to tell you, it's absolutely mind-boggling uh that the number of times i have hired someone because the resume is precisely zero so let's

look at the data uh we know that hiring managers spend about seven and a half seconds looking at a resume so it doesn't have to be eight hundred dollars worth we actually have a that's a hundred dollars a second yes i was getting yes that's exactly what I was thinking. So, first of all, Ramsey Solutions has a wonderful free template at KenColeman.com. And so you can just go check that out. It works. We've had people get hired at Fortune 50 companies. We also have resume templates. If you like the free version, that's, again, at KenColeman.com.

It's one of our Ramsey Solutions resources. Wait a minute. We charge for the templates. For the templates, but not the free one. Is it $800? No, it's one of our Ramsey Solutions resources. Wait a minute, wait a minute. We charge for the templates. For the templates, but not the free one. Is it $800? No, it's $9.99. $9, not $800. That's correct.

So don't pay $800. No. I don't care if you buy it from us or not. For God's sakes, don't do that. That's crazy. He's got a world-class record, and all you need is a clean, easy-to-understand resume. It's just not worth that. That's i did cyber security in the army that's all it's got to say right there that's all that's it oh people will get it after that right they will know from there eight hundred

dollars no never and here's the thing the way she worded this she's she's ready to buy it oh yeah she's i mean he going to be getting a big job. He ought to spend some money on the resume. Nope. This is The Ramsey Show. Thank you. our scripture of the day proverbs 21 25 the desire of the sluggard kills him, for his hands refuse to labor. Jim Rohn says, successful people do what unsuccessful people are not willing to do. Don't wish it were easier. Wish you were better.

Woo! Game on. Yeah, the legend dropping it. Yeah. Ken Coleman, Ramsey personality, my co-host today. Julie is in Dallas. Hi, Julie. How are you?

Hi, Ken and Dave. Hey, what's up um um i'm good so we are a newer military family and we'll be leaving the dallas area next may um and we currently own a home here um and so we're kind of wondering do we sell the house or do we keep it as a rental property okay no you don't want long distance landlord you don't want long distance landlord okay where are you moving to um still unsure okay well give me a guess uh georgia or oklahoma okay you're living in georgia and you get ready to buy a rental house you're gonna buy a rental house in georgia you're going to buy one in dallas so the only way you ended up with a dallas rental property was by default not by plan okay you you don't want to back into being uh a landlord you want to you want the property within a you know

within your city and you're within a driving range of your area get dialed in there that kind of thing that's where you want it to be and so long distance landlording is um it's bad for business thanks for your service by the way we appreciate it all right it looks like robertson los angeles hey robert welcome to the ramsey show hi thank you for uh accepting my call um nervous uh okay so uh my my question is, I got reached out to by a recruiter, a third-party recruiter that this aerospace company hired. I really love where I work, but I don't know what questions to ask when I talk to this direct hire position recruiter. What do you love most about where you work? The people.

I'm a military. I used to be in the Army for five years, and now I work for the Space Force as a contractor. So I just love the space. You love the space. And the camaraderie. Would you say that you love the work? Or let's say 75% of your day, do you love what you're doing? Yes, yes, I would say so. I mean, it's,

why would you lose? I think, well, this new position is a leadership position, and it's higher paying. Sure. So the reason I asked you, Robert, those first two questions is that is the base of the questions that you will ask this recruiter. And if you get in an interview process, your questions have to be determining if this new opportunity has all of the ingredients or has that list of the things that you love. You don't want to just take a leadership opportunity for the sake of taking the leadership opportunity. If it is in a culture that doesn't have the kind of people that you love to be around, if it doesn't include the work that you love to do.

You don't want to be the leader of a bunch of doofuses. That's right. Or lead underneath people that are doofuses. So it's okay to kick the tires and have a conversation. But you ask what questions should you ask? Questions designed to get you the answers that you need to know. Is this the kind of place that I'm in now? Is it similar enough to go, okay, this makes sense for the things that I care about? Yeah, leadership, opportunity, and money will both go away rapidly if you get into a toxic environment. Yes, and that was my concern, and I'm trying to weed that out. Yeah. So here's some fun. Take your time. Yeah, here's a couple sample questions to get to what you were actually

identifying. So I would ask a question like this. How would you describe the culture here? It's an open-ended, so they can't give you a yes or no answer. And if they start doing that politics speak, you ever seen a politician on TV never answer the question? Yes. Okay, so hey, that's a bad sign because a healthy leader and a place where there's intentional culture and you ask that question, two things happen. Number one, they give you a real description and number two, they're impressed with the question that you ask. So that's one thing to determine. What's the culture like? How do you treat people what what do you as leaders value for the people that work here here's another sample question describe the person who wins in this organization same exact result you're going to learn as much about them and then they're going to be impressed

uh with the kind of question you ask so remember this and i say this to people all the time dave the interview process is just as much for you the job seeker as it is for the potential employer don't forget that yeah and and listen it is how old are you 33 it is at any age um so i'm 62 you're 33 there is not you don't reach a point in your career or your life that someone reaching out to you and saying you're valuable is not kind of nice. Yeah, it's very flattering. It's flattering. It feels good to be wanted, to be respected. And just the act of being recruited is flattering.

It feels good. Okay? Don't confuse that affirmation that the recruiter is giving you with the fact that there may or may not be a good job on the other side of this so go go in here with some very analytical take your time really dig in because you you got a good spot and just because some goober called you off a linkedin or whatever does not mean that you need to leave and you may be able to develop leadership where opportunities where you are well you should be looking for it i love that dave because you know that was that was robert's response hey it's a leadership opportunity well hey go sit down with

your current leaders and go hey i, I want to grow here. I love this company. Here's why I love this company. And then say, I know I've got to earn it. So as my leader, what do you think that I need to do? Tell me what I could do to add value. And let them create a plan for you, and you might find yourself climbing the ladder where you are. But I love that you're kicking the tires but

remember you're in total control here you're the one asking the questions if it doesn't feel right trust that feeling we joke about that feeling you know sharon rams has got a world-class feeling that you've told us about but you know that neuroscience has actually proven that that is the same thing that feeling that we have is our brain sending a physical signal to our body. So trust that feeling. Yeah, absolutely. You know, Robert, it occurs to me that you're not going to do well in a leadership position until you've learned to lead. And I'm going to give you a book recommendation by my friend Seth Godin.

His favorite book he ever wrote is called Lynchpin. Lynchpin, yeah. Great. And I would read Lynchpin. And basically what it amounts to is there's several kinds of leaders. There's leaders that are given a title and that puts them in charge, which doesn't really make you a leader. It makes you a boss. Then you have the opportunity to lead from that position.

But you can lead up. Yes. You can lead around you you can you know by becoming a leadership john maxwell says his influence yes and so become influential do things where you're serving helping lifting uh other people and uh and create influence what dave has just described is in order to learn how to lead, you got to learn how to follow. And I think following well, learning to, hey, I'm going to respect the authority. I'm going to serve the authority. I'm going to do all those things that you talked about. By the way, John Maxwell has a book that addresses that. It's called

The 360-Degree Leader, this idea of leading all the way around you through simply being influential. And, you know, I think learning how to follow and then writing things down, hey, this is what I appreciate about my current leader. This I would probably do differently. Take notes as a follower. Take notes so that when you get the opportunity to lead, you've got some real life experience. I know that when a leader did this for me, I excelled. I know that when a leader did this for me, I excelled. I know that when a leader did this, I didn't. I can tell you exactly where I was standing at 23 years old the first time I experienced a leader that I knew actually cared about me. That's powerful. I know exactly where I'm standing.

Where were you we were i was working for a new home uh company i was selling homes and the big boss came in and we were walking between the models and uh look at that we had three model homes and we're walking between two of the models and we're between the second one and the third one i can show you the sidewalk that's that's And he stopped and turned and started asking questions about me and you could feel it and see it in his eyes that he actually did care. And I was blown away because I've

never worked for anybody like that before. That puts this hour of the Ramsey Show in the books. We'll be back with you before you know it. In the meantime, remember, there's ultimately only one way to financial peace and that's to walk. In the meantime, remember, there's ultimately only one way to financial peace, and that's to walk daily with the Prince of Peace, Christ Jesus. Dave here.

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