The Ramsey Show - App - Should We Move Away From My Crazy Mother-in-Law? (Hour 3)

Episode Date: November 9, 2021

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Live from the headquarters of Ramsey Solutions, broadcasting from the Dollar Car Rental Studios, it's the Ramsey Show, where debt is dumb, cash is king, and the paid-off home mortgage has taken the place of the BMW as the status symbol of choice. I'm Dave Ramsey, your host. Thank you for joining us, America. It's a free call at 888-825-5225.

That's 888-825-5225. My co-host today on the Ramsey Show, Ramsey personality, number one bestselling author, Ken Coleman. It is book launch day here at Ramsey. He has a new book that is officially on sale today. You order it. We'll ship it today. If you pre-ordered it, they all went out this morning or last night or whatever, so that you'll be getting them in your mailbox very, very soon.

Amazon also released, and of course, so did all the major book outlets like Barnes & Noble and Target and so on. You'll see this book everywhere. From Paycheck to Purpose, The Clear Path to Doing Work You Love. From Paycheck to Purpose, The Clear Path to Doing Work You Love. You'll be seeing Ken on media all over the place. He's been doing media since 5 a.m. this morning, and we're also here answering your questions about your career, your job, and of course, money and life.

It's what we're here for. 888-825-5225. Getting towards the end of the first day of the book launch. Are you tired? I am. I'm glad you mentioned that I've been up since 4.15, because if I begin to babble, we'll blame it on that. That's probably not what the problem is, but we'll blame it on just getting up early.

See, I don't even have an excuse. If I babble, James just says, stop babbling. Right. It happens. When you do live radio, as much as you've done it or any of us get to do, there's those moments where the brain sometimes just betrays you. Well, I got to tell you, James has been torturing me all morning. What? Yeah, I've been in the studio down there recording an audio book.

Oh, you're extra tired, too tired too audio book for four freaking years your brain feels like licorice man i'm just it's i know that i can't it's brutal i'm not good at it oh really no i'm awful huh and like i say words backwards and oh okay god it's he stops me and i have to start over and it's just i tried to hire morgan freeman but he's sounds a lot like dave that james earl jones was not available so we got dave yeah yeah i would love to be a fly on the wall after about the 17th interruption from james for dave to do a line now because the problem is he doesn't interrupt me unless he's right and oh it's not something i can really argue about i know it's true i screwed it up every time you really just have to take the whipping it's the truth there's just no way

around it that's part of it adam's with us in boise idaho hey adam welcome to the ramsey show hi thanks for taking my call sure what's up? So I have a question. My wife and I have a couple of different options for our health insurance for coming up next year. And I'm wondering if it's smarter for us to each get our own plans and have the children on her plan, and we would have a cheaper option that way, and then we would both get employer HSA contributions. Or if the smarter option or your preferred or, I guess, recommended option would be to put a family on one plan if it costs more, and you don't get as many employer HSA contributions for the year.

But we would have one deductible. The plan cost to put me on her plan would be like another $865 a year. And then we'd miss out on $1,000 of HSA contributions from my employer. I'm not worried about that. How much deductible exposure is there on each of these? So her deductibles are 3,000 individual and 6,000 family. My plan would be 1,750 individual and 3,500 for family. But you don't have family on your plan.

I have an option, but it's like three. I know, but under your proposal, it would be her and the kids on hers and you on yours, but you're picking up an extra little bit of deductible in return. You're losing $800 grand. Or $800, I'm sorry, not $800 grand. Not hardly. I mean, for the hassle factor, I'd be tempted to put it all on one plan, just because messing with everything.

And the fact, if you get into a deductible situation, your max out-of-pocket is going to end up free. But I'm guessing you guys are a young family and you're pretty healthy, so you're probably not blowing through these deductibles, are you? Correct, yeah, and this is the first year since we were on this HSA options. We were on completely different insurance. Yeah, but I'm not talking about that. I'm just talking about your use of health insurance.

You guys don't go blow a bunch of money on medical at this stage of your life. Correct. Yeah. Okay, I'm going the cheaper route then with you separate from your wife and kids. Okay. And you both get the HSA. So you've done the analysis. You said it out loud.

I'm making sure you understood the analysis you did was what you're accepting is you're saving $800, but you're taking extra risk on the deductible. I'm betting that that's a good move because you're probably not going to blow through the deductible. Right. That was kind of my thought process as well. Okay. That's what I thought I heard you saying, and that's what I heard too. So, yeah, I'm with you on that.

I think we're going to go the cheaper route. Now, are both of these reasonably good care? The networks got your docs in them, that kind of stuff? Or you feel like you're cheaping out on one of them? No, they're both probably equally as good. Okay. All right. Yeah, that's what I would do then.

Good question. There's a lot of stuff going on. It is the season right now. You have open season, right? Yeah. question there's a lot of stuff going on it is the season right now you have open season right yeah on ducks yeah on geese and on pheasant and on health care yes that's true we did something very similar to that before we had three kids and we just had the one and stacy and so that that really is a good move because why we have the emergency fund and so we took that cheaper option the risk isn't really that risky because that's why we have an emergency fund then as we started getting multiple kids ear infections ear drums all

that then we had to adjust because we had several years there we had higher expenses yeah the thing is that the the hsa if you are healthy or if you're chronically ill where you're always blowing through the deductible and if your hsa has uh you know you're always blowing through the deductible. And if your HSA has 100% pay after you blow the deductible, which most of them do, not all of them, but a lot of them do. Ours does not. We have a copay after you blow the deductible. But a lot of them are 100% after that. If you're chronically ill and you're going to blow that deductible, that comes out cheaper. Yes, it does.

And if you're not going to touch the deductible, which the Ramseys have been a knock-on-wood pretty healthy bunch over the years, we've not really used our health insurance hardly at all. Very seldom in a year have we actually tapped into that and hit the deductible. So given that, what you end up with, net-net, with an HSA, a high-deductible health insurance plan with an HSA attached to it, what you end up with is basically cheaper health insurance. That's correct. Because you're basically running a high-deductible. Any insurance you can run a higher deductible on and you have the emergency fund to cover it

is going to create a lower premium. Duh. The question is, are you getting a low enough premium to offset the extra risk you're taking on the deductible? That's true on your car insurance, your homeowner's insurance. It's true on anything where there's a deductible involved, but health insurance as well. And so that's the way you guys really need to pay attention right now during open season for most of you as to what you're doing. This is The Ramsey Show. People all over the country are discovering a faith-based and budget-friendly way of meeting health care costs through Christian Health Care Ministries.

Christian Health Care Ministries, or CHM, is a non-profit organization We'll be right back. CHM is a proud sponsor of Dave Ramsey Live Events. Ken Coleman Ramsey personality is my co-host today. Open phones at 888-825-5225. We've all heard the saying, it's better to give than to receive. And you know what? It's more fun, too. And while you can have a great time giving the latest gadgets or gizmos to the folks on your Christmas list, you may also want to give them something that has an impact something that might change their lives that's why every year we bring back our famous ten dollar sale it gives you the chance to shop

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How are you? Better than I deserve, Dave um thanks for taking my call sure what's up i have a little bit of a question going through a disillusion or divorce basically and it kind of left me in a financial ruin i feel like um i was with the guy for 16 years and cheated on me and it's been really devastating and i had like a really good financial goal to be debt free in like seven years, you know, start my family. Um, it's just not worked out that way. And so what I'm looking at is I make 73 a year. I have a 401k of 55,000. I've got quite a bit of cash on hand. Um, liquid cash would be about forty six thousand

dollars, which I was probably either going to pay off my student debt, which is thirty eight thousand dollars or, you know, pay off part of it and maybe invest and hope that in a few years that investment grows and I can just really tackle down some more debt with that. My house right now, the appraisal on it was $625,000 and I owe $189,000 on it. But with the payout to my husband after this dissolution, I'll be paying him out about $95,000. I'm kind of left with, I think, let's see here, a $322,000 loan now on the house by myself, making $73,000 a year. My payment, if I consolidate, like, my college into my house and kind of just sit on that, because it's been so much of a change, I feel like I might have to go to a mental hospital, basically. Like, it's just been so much. We actually built this house last year.

We finished it and moved in. It's a dream house, you know, to raise a family and with him. I just, you know, my pay was looking at like $1,900 to possibly $2,200 or $2,100 at the max is what the bank is telling me. Hi, Jody. How old are you? What did you say? How old are you? $2,100 at the max is what the bank is telling me. Hey, Jody. Yeah. How old are you? What did you say? How old are you?

I'm going to be 32 on December 1st. Okay. I'm so sorry. Yeah, thanks. I am too. You're not going to like me, but I'm going to love you well, okay? Yeah. Sell the house.

Okay. You know why? Well, I'd not have the stress of the financial debt, I'm sure. Yeah, you get to start fresh with a clean whiteboard. You don't walk in there every day looking at a custom-made home that was a dream home that you built with a guy who committed adultery on you. Yeah. Your heart's broken, and every time you walk in the living room, it's going to break again, and you're paying a huge payment for the privilege.

Mm-hmm. And the best way to start fresh after a broken heart is start fresh. Okay. And it's just, I'm just cleaning. I just want your life to be clean and simple to give you a place where you can heal from this because this has been really hard for you. And what kind of time frame should I be looking at to make this transition? Because it's like right now um i just don't know like with so many changes i had to get the vaccine so i didn't lose my job you know um so i did that but it's just like i

just i feel like if i have like one more major change yeah yeah what i would do is just try to get life as simple as i can until you start breathing again right now you're not taking deep breaths you're just kind of you got the stress on it's like somebody standing on your chest and um that just makes you human you just have this horrible thing you're going through and it's just real and and what our friend Dr. John Deloney would call trauma. And it really, really is. And so give yourself some space. If it takes you a year to do nothing and make out a life that makes you boring and bored, and then you can just sit and heal and give yourself some room without push and pull,

without striving towards some goal or something. So you're a pretty goal-oriented person. You like to have a plan and execute the plan. So you're going to wander your way back to that pretty quick as soon as your psyche is healed enough to allow you to do that. But give yourself a little room to cry. Is that okay? Yeah, I think so. I mean, it is kind of my plan to i'm probably yeah 15 acres for just

myself it was never meant to be just for me it's actually made me quite angry um there you go i'm in that phase of of grief right now but yeah just sell it i'm like well if i meet somebody soon then yeah but you don't want to live there with somebody and you're not going to meet you right it's too soon yeah it's too soon right now you somebody, and you're not going to meet. It's too soon. It's too soon. Right now, you're still just, your head's spinning. Give yourself a little room. So let me find a way to pay him out and get rid of him out of the picture, because that's what I need to do.

He needs to go away. So kind of keep the house for a handful of months, or just list it for some right way after this? I'd put it on the market right now. I'd put it on the market right now. I wouldn't go refinance it. I wouldn't go to the expense of refinancing it. He can wait to get paid out when the house sells, and guess what? It'll sell in 20 minutes. If I go ahead and refinance it, he's agreed to take 90, but if I just sell it, then he'll try and take half of the

equity because he would be owed that. Well, I think this is a negotiation with a philanderer. Say that again? I think this is a negotiation with a philanderer. I think you punch his lights out and get him to take 90 and you sell the house. Absolutely right. He deserves nothing. Hold his feet to the fire.

No, the lawyer would say otherwise. I don't give a crap what his lawyer says. This is a negotiation. Everything's a negotiation. You want your 90? I'm putting the house on the market. You're going to get your 90. You're going to get it as soon as you would if I refinanced it.

I'm not going to go to the refinance cost. You're going to take your 90. You're going to walk away with your girlfriend, and you're going to kiss my butt. And this is the negotiation. I hope your lawyer's mean. She is. Good. Yeah.

Yeah, I don't have it in me right now. I usually can be, but I don't have it. Well, I don't want you to have to fight it. Tell your lawyer to go sick them. Skid them. Yeah. Yeah. And if you have to refinance it to cut it way down, if you lose the negotiation, fine, go do it.

But you're just losing the refinance costs because you're going to turn around and pay the stupid mortgage off in 30 days anyway because you're putting the house on the market now. Right now. It just seems like a lot to try and – because it will sell, I would say, in a couple – three months max because it is a high amount and a big portion of land which a lot of people don't want to take care of. No, it's a premium real estate market it's gonna sell it's gonna sell in 20 minutes yeah put it on the market

though to like do it that quickly because it's like you know um it's a house clean up your life clean up your life as soon as you can. As quickly as you can. Simplify everything. Give yourself some room to grieve that this guy did you in. He mistreated you. I'm so sorry. It's horrible. Just horrible. This is The Ramsey Show. Ken Coleman, Ramsey personality, is my co-host today.

This is the Ramsey Show. Common sense for your dollars and cents. David and Marla are with us in Hartford, Connecticut. Says on my screen, you guys are debt-free. Congratulations. Thank you so much. Thank you. Very cool. How much have you paid off?

We have paid off $88,000 in 22 months. Good for you. $88,011. Really, that 11 counts for something, right? It does. It's a big difference. Big difference. $88,022 in your range of income during that two years was what?

When we started, just about $100,000, and now we're just over $119,000. Excellent. What do you guys do for a living? So I'm a school bus driver in a little farm town in Ellington, Connecticut. Cool. I work for an insurance company. Okay, cool, great. For auto insurance stuff.

Oh, good, very good. What kind of debt was your $88,000? It was all the bad kind. Credit cards, a car loan, personal loan, and a family loan. Oh, what kind of family loan? So my husband's parents helped us out when we were first buying our condo when we were getting married and lent us some money, and we've paid them back. Woo!

That feels good. It feels real good. Yeah, it's better to eat Thanksgiving dinner with somebody you don't owe money to. Amen. Yeah, your Thanksgiving dinner tastes different when you eat with your master. Oh, my goodness. It sure does. Yeah.

Well, congratulations, you guys. Okay, what happened? What started you on this Ramsey journey 22 months ago? Yeah, so I used to do our budget, and I was really good at making it, but I was really bad at sticking to it. And we were, you know, making more and more money but still living paycheck to paycheck because I was constantly overspending. I am like the major free spirit of our family.

David is the nerd. And, you know, we were doing all the dance of that transferring credit card balances back and forth, and we'd accrue more debt because of transfer fees. And I was racking up tons of credit card debt because I was really living like we were millionaires, but we weren't. And I was paying for things with a lot of money that we didn't have. And I feel like I did the cardinal sin. I was using our credit card to take cash out of the ATM at one point.

Oh, my gosh. I know. I know. And so one day we were at church, and our executive pastor, Andrew, was teaching us about biblical budgeting, and he mentioned Financial Peace University that was being taught at our church. And after that service, we went home. We had a really, really hard conversation. You know, it wasn't a secret that we were buried in debt, but to like kind of lay

it all out there, it was really, really hard, really humbling. And thankfully, you know, God showed up. My husband could have probably, you know, laid into me about how it was my fault, but he just, you know, he kind of was like, well, it's my fault too. You know, I knew what was going on. We didn't really do anything to stop it. And he wasn't helping. He dumped it on you. Exactly.

Exactly. And so, you know, lots of tears on my end, but lots of grace on his end. So I'm so grateful. So we decided to sign up for the class, and we took the class. That was 22 months ago. We literally, like, dove in headfirst, never looked back. And, you know, Dave has been listening to you, Dave, for years, like years and years and years, and I was the one that was not on board.

So once I got on board, I think it was a relief to my husband, and we just never looked back. You know, and we just got really gazelle intense, and here we are. Wow. Very cool. Yeah, it was awesome. So you go through the class, and you were at the point, it sounds like, that Marla, from trying to carry it and juggle it all by yourselves, you were at a point of surrender.

And David's at a point like, hey, we've got to get together. We've got to do this. And so both of you were ready to completely. You didn't do ish. You didn't do anything. You just stepped in, did the whole thing exactly like, hey, we've got to get together. We've got to do this. And so both of you were ready to completely. You didn't do ish. You didn't do anything. You just stepped in, did the whole thing exactly like we teach, and you had great results. Absolutely, 100%.

Enough is enough. Yeah, enough is enough. We were ready. Way to go, you guys. All right, so you're going through. We're proud of you. You're excellent. You're incredible.

So we're going through. You're going through the thing the class and little light bulbs are coming on uh what was the thing that you heard that you went oh man where was that 10 years ago i need to do that oh my gosh i mean it was everything was everything. I believed every lie about money that there is out there. I believe that we have to have debt. Oh, everybody has a credit card payment. Everybody has a car payment.

You know, oh, debt is just a part of life. So, yeah, that there's such thing as good debt and all that. So, once we heard, you know, oh, no, that's not, yeah, normal is weird. You don't want to be normal. You know, it's not normal to, you don't have to live that way. That for me was a big light bulb moment. Like, wait a minute, we don't have to have a credit score? Oh, that's, that's not true? Oh, okay. And then it was like, okay, now I just want to get zero credit score. I want to do that. So I love this. Marla, you may be the most enthusiastic person that I've talked to in a long time.

It is very infectious. No, it's wonderful. So, okay, clearly all the light bulbs is what you told Dave. Everything was a light bulb. So now I want to know, okay, you go out of the class. Now we've got to go home. And, David, you've been following Dave for a long time, so none of this is new to you. Marla's light bulbs are flashing like crazy.

What was the hardest part about getting this thing started, or was there a moment where it was really, really tough, or was it just all in the whole time, and it didn't matter how hard it was, you guys were just gazelle and tens with no struggle? I want to know what it was like. The tough one was for our son, just saying no to things. But I would say, besides that, the holding back and I told you so and just working together and just getting it taken care of. Yeah, definitely. Definitely.

Also, you know, just for me, a really hard part was waiting, like the patience of getting through the baby step, like the baby step one, baby step two. I just like, I wanted it so badly. So I know maybe that's like contradictory that it's kind of a good and a bad, but like the closer we got, the more I wanted it, you know? And, um, we, yeah, definitely. It was just, you know, for me, it was the, the best craziest part was taking all that stress off. You know, are we going to have enough money to buy groceries this week, or do I have to wait to pay the mortgage?

And we only have one son, so, you know, our son Lincoln, he's 10, and like David said, saying no to him was tough. And he was like, I hate the Dave Ramsey question. There it is. Every time my husband would listen to Dave Ramseysey be like turn that off so that was tough but totally worth it and you know we're not done yet you know we're just we're still going we're still super psyched yeah awesome well you ruined his life and you saved his life at the same time. Exactly, yes. That's so fabulous. Well done, you guys.

We've got a copy of the Legacy Journey for you because that's the next chapter in your story. You're going to be Baby Steps Millionaires now. You're on your way. You're on your way. Well done, you guys. Well done. Thank you. Excellent, excellent work. Also, a copy of Total Money Makeover for you.

That way you've got something to give away and ruin some other little kid's life out there. That would be great. Yeah, exactly. I can't wait to do that. Very fun. All right, David and Marla, Hartford, Connecticut, $88,000 paid off in 22 months, making $100,000 to $119,000. Count it down. Let's hear a debt-free scream.

Three, two, one. hear a debt-free scream three two one marla went up high there that was another option go big or go home in hartford i like it dogs are howling everywhere in hartford, Connecticut on that last note. That was true passion there. So good. Oh, man. Here's the thing. When you find something that works and that's proven, and just like your new book, Paycheck to Purpose,

the clear path to doing work you love. You want to find a new position. You want to find a new career. You want to find a new career. You want to get out of debt and become wealthy. These clear paths, this detailed step-by-step plan that's proven, it is how transformation works in our world. That's right. You don't transform just like a genie in a bottle, like you said earlier.

There's no genie out there. There's no pill you can take to get out of debt or have the job you love. You have to go through the transformational process, the steps, and it works when you do it. Way to go, Financial Peace University. Proud of you guys. David and Marla, they love you. This is The Ramsey Show. Thank you. Our scripture of the day, Luke 16, 10 and 11. Whoever can be trusted with very little can also be trusted with much. Our scripture of the day, Luke 16, 10, and 11,

whoever can be trusted with very little can also be trusted with much. And whoever is dishonest with very little will also be dishonest with much. So if you've not been trustworthy in handling worldly wealth, who will trust you with true riches? General Norman Schwarzkopf said, The truth of the matter is that you always know the right thing to do the hard part is doing it yeah that's kind of what this whole show's about we answer questions i already know the answer to open phones at 888-825-5225. Ken Coleman, Ramsey Personality, is my co-host today. Rebecca's in Jacksonville, Florida.

Hi, Rebecca. How are you? Well, hello, Mr. Dave Ramsey. I, oh my gosh, I can't believe I'm talking to you. Okay, pull myself together. It's all right, Rebecca. Breathe. There you go.

You got through, kiddo. You got through. How can we help yes sir well um so i have a bit of a fun story i guess um i my husband and i uh were 26 years old we have two children two beautiful girls and whenever my husband got out of high school he bought this house that we're living in and um it's right across the street from my mother-in-law. So, you know, things were okay, but the beginning of the past year, my father-in-law, he got really sick, and no one knew about it until day four when my mother-in-law called and said, hey, you know, Larry's not doing really well. And so my husband went over and checked on him. And lo and behold, he was really, really sick.

He was dehydrated. And he was not given any, like, nutrition for four days. She was just giving him, like, ibuprofen. She didn't really know what to do, I would say. I was trying to give her the benefit of the doubt. But whenever my husband walked into the house, it was, like, extreme hoard extreme hoarder addition, no airflow to the room and all that kind of stuff. So he went to the hospital and I just said, you know what? And I put my mama pants on and I said, she's not allowed to take care of them. I'm going to, I'm going to do this. And I knew that he couldn't go back to

the house. And my husband and I, we just looked at each other and we said, this is why we had an emergency fund because it's an emergency. And we don't want him to pass away. He was he's 82. So four or five days later, after the ER, the doctors are like, hey, he's not doing well. Say goodbye. And we're like, no, no, no, no, no. So we took him home.

We gave him sunshine. He had COVID and everything gave him sunshine gave him you know just just pursued god's you know what what god tells us to do with our bodies and just try to pump them with vitamins and everything and he got better like uh the rebecca we're gonna run out of time honey how can we help you how can we help you um we have an opportunity to buy a house that's right it's worth more than what she's asking but it's a fixer-upper um so um i know so i just i'm sick and tired of being so close to my mother-in-law and my father-in-law and it's not sick and tired it's just like i just don't you moved your father-in-law in with you we did and also we got him that's the definition of living close to him yes sir

did you send him back we did we sent him back after he got well he's back down at the hoarder house now yeah and it was by choice and we tried it we really tried to just like change everything but you can't change it okay Okay, so you're not responsible for what happens across the street. You're responsible for what happens in your house. They're not bothering you. We figured that out. No, they're not bothering us. So why do you need to move?

Good question. It's just, I guess, the whole, it's just, you you know whenever they pass when when she passes by it's always a stop and kind of embarrassing like yelling or or uh demanding like to see her grandchildren and and it it could be more casual or it could be more like you know set times but there's no boundary lines i guess and we have to constantly put them in place. So she's like standing in the street yelling at your house? Sometimes, yeah. And it's not always that bad, but it's just for me, I guess.

How old is she? 63, and he's 83. So what does your husband what does your husband say he he he tries it's his mom so i know what does he say about moving oh he wants to do it we found an awesome deal and we just don't know if we should sell our house why not move okay okay i mean i got a crazy woman standing in the street yelling at my house yeah i'd have a sign in the yard looking for i mean even if i'm not kin to her i'm looking for a new place that's the truth especially if i'm kin to her yeah it's like doubles the move yeah rebecca yes i don't know what you're afraid of but make a good financial decision but well

it's good for your family i mean you guys goodness gracious there's a lot going on here that we don't have dr john here to help us with so um yeah there's a boundary issues there's all kinds of stuff is strange strange hoarders and if it happened to the old guy once it's probably going to happen again yeah it's like yeah but you can still move him into the house at the country, too, and then she'll be by herself standing in the street yelling at herself, I guess. I don't know. Yeah. I'm moving.

Yes. As long as you can afford to make the move. Yes. Now, don't use this as an excuse to do something financially stupid, but if you've got a lateral move or a move you can afford to make, let's go ahead and make it. Michael Zendalas. Hey, Michaelael welcome to the

ramsey show hi dave how are you guys today great how can we help so this is more of a ken question i guess it's not so much a money question um i was listening to the show a couple weeks ago when him and george were filling in for you and he made a comment about his job and how much he loved it and how he kind of felt bad for someone that might be sitting there listening, digging a ditch right now. And actually, that was me. I've been wanting to change careers. You were actually digging a ditch?

Oh, yeah. Well, with an excavator. I do construction. Yeah, I was actually talking about the old-school shovel, but the excavator sounds kind of fun to me, to be honest with you. But I get the point. Well, it is. It's fun.

It gets monotonous at times when you do it 60, 70 hours a week. You know, every little young man loves heavy equipment. That's right. They really have to do it for the rest of their career. Right. My wife currently makes 90K. I'm 24. She's 23.

We have little to no debt. I have a truck that's about to be paid off. So I'm wanting to just try and figure out what suits me best. I actually took your career assessment. I bought the new book in the bundle, and I'm going to read it. Good. So when you got your purpose statement and you read your purpose statement back, what ideas started flowing through your mind? Did it confirm some things? Did it open up new questions?

A little bit of both, yes. So I've always been more empathetic, I guess, and more passionate about current events and what's going on in the world. What do you wonder about, Michael, but you're unsure how to get there or if it may be seeing is it bad pizza i know you've got an idea i can hear it what's the idea that you're not sure about but you'd do it if you knew there was no risk and you didn't have to commit to it yeah so i mean if there was if i woke up today and i could be anybody i wanted to be um i would i guess for me to feel like I'm making a difference, something that really would feel good to me to wake up and do every day

would be something along the lines of politics, whether it be state and local government. That's actually the number two thing that your assessment gave me. But either something entrepreneurship. I just, the day in, day out. I get it. All right, so here's what we've got to do. We've got two really good options.

Our time is limited, Michael, so I'm going to do this really quick, okay? You've got two viable options, entrepreneurship, and what you've got to do is say, if I could start a business today, who would be the people I'd want to help? What's the problem the business would be solving, and what's the solution that I would be providing through this business that would solve that problem? That's a good little three-question exercise and see what business ideas come up. Political consultants make more than politicians. I think

so. And I think you ought to look at what are some avenues for me, non-elected office, to get into the political system, local, state, government. I've got some experience. I've got relationships. What would that look like? We've got to start to look and as we begin to dig michael now we're going to see oh i could get there i want to get there that's what we got to do the new book is from paycheck to purpose the clear path to doing work you love it comes out today go get it ken good show 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 daily with the Prince of Peace, Christ Jesus.

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