The Ramsey Show - App - Some Good News About Inflation? (Hour 2)

Episode Date: July 12, 2023

Ken Coleman & Rachel Cruze answer your questions and discuss:  If the world is more dangerous than it was when they grew up, "Should I sell my Tesla to get out of Baby Step 2?" from the blog: Should I Pay Off My Car Early? How to deal with paying off debt when ex-spouses names are on debt from the previous relationship, Recent updates on where inflation has risen, and fallen, in 2023 vs 2022,  from the blog: How to Combat Inflation and Protect Your 4 Walls "Should I stay in a toxic work environment to keep my pension and healthcare?", from the blog: How to Handle a Hostile Work Environment Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/TRS Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Девочка-пай Live from the headquarters of Ramsey Solutions, broadcasting from the pods, moving and storage studio, this is The Ramsey Show. It's where we help people, you, win in your life, specifically your money, your work, and your relationships. The phone number to jump in is 888-825-5225. 888-825-5225. I'm Ken Coleman, joined by the gracious, the lovely, the talented Rachel Cruz this hour.

Thank you for the adjectives. Absolutely. She is fresh off a full summer, three littles. I bring this up because they're all getting older now, and now they're getting busy. They got activities. Well, can I tell you, my brain feels like it's in eight different directions, a.k.a. why I said the baby steps last hour.

What? If anybody was listening, I am fully aware. I skipped baby step one and went right to baby step three. She was thinking about thousand dollar emergency fund before you're completely debt free including student loans pay those off and then get a fully funded emergency fund of three to six months of expenses i know this can i do but my mind is going to daughters at a friend's house amelia's riding her bike home make sure she gets home safe winston's taking charles like now i love it amelia is riding her

bike home from another friend's house in the hood isn't that dream well it's neighborhoods that connect but that's a step isn't oh yeah now we you and i grew up doing that i know and it feels so good because i want her i'm like i want you to live the childhood that you all deserve so we got her an apple air tag and so you know where she's like a little bracelet so we can track and she knows what time to ride home yes and i and i have the parents number too so we're right they're like she's leaving and i'm like thank you i'm like eight minutes she has eight minutes eight minutes big deal when you see her rolling in the house and she feels so big big girl that's exciting fun stuff you live in a good neighborhood for

bike riding oh yeah yeah yeah yeah highly recommend it if you can get into a neighborhood where your kids have some freedom and it's safe, let them go. Back in the day, and boy, I'm old now, we would disappear at, this is summer morning, we'd leave at 8, 8.30 in the morning and wouldn't come back until 5.30, 6 o'clock. And my parents had no earthly idea where I was. I know. Okay.

I know this has nothing to do with the show. Real quick though. I think we can tie it in. We'll find a way to talk about money in this. Yeah. It's freedom. But do you think, Ken, with your older age than me, is it truly that it's become more dangerous?

Do you think? Because the world does feel more dangerous. Or do you think it's because we're so used to having a handle on everything all the time because of technology? Oh, I love this. Which is it? This is a hot take right here. I don't believe the world is more dangerous.

I believe that creeps and evil was around when you and I were kids. We're there as well. I just think we're more aware and we feel afraid. We feel more danger than there is. There's no more danger than there was. We just feel it and we're aware, we're scared. And that example that I use is a classic example. My mom and dad obviously were responsible parents, but it was one of those situations where they're like, okay, are you

going to be in our neighborhood or your grandparents' neighborhood? And you got to check in with us or your grandparents at noon for lunch and you checked in. And so if we didn't check in, there would have been an issue. But there also wasn't, by the way, I didn't use elbow pads, knee pads, or a bike helmet. And I always get hot water for saying that. But we've gotten so safety conscious that what it has done is elevated our fear. And great marketers scare us. And the news people, God god bless them we have friends in the news industry they would tell you this if it bleeds it leads is the old phrase and and so when

you are scared in order to pay attention and you are scared in order to and aware what's going on on the other side of the country and immediately because of social media like you get you get news and everything so quickly and so here's the point we are more aware of all of the danger i think we were just blissfully unaware back then it was like yeah i probably just rode my bike by some axe murderer but for whatever reason he didn't get out of the car you know but like now it's like you're afraid to let your kid i know out of your sight in a department store let me tell you something i can't tell you how many times um i got lost in a department store and showed up crying at i can't tell you how many times um i got lost in a department store and showed up crying at one of the registers and they were like over the with

the parents of kenny coleman please report to the men's area it happened all the time yes you never never happened today we put leashes on kids we had a kid walking around like a labrador retriever hey there are some kids that are runners and if you're a mom you're tired i never put my kids on a leash but i do see them sometimes all right now i'm really gonna offend some people if you let me tell you why i didn't need a leash my dad would have whipped my butt if i had a run from him the mall you want to be a runner all right i'll teach you a lesson it's three it's a lot i get there's a part of me i'm like it's more convenient for the mom of like i'll tell you what i like you can't run off i don't like the leash i tell you what i do like i like the little cute preschool thing where they all they grab their little loop and they grab

the rope that's kind of cool it's if you got three kids buy a rope and they all gotta grab the little loop hold on i'm up for that we go through there's still some free will involved in that see that's why i like that yeah yeah they have a choice to let go of the rep or not. I digress, but I do think this. Here's where we're going to tie it all in. Tie us in, Ken, so we don't get in trouble. I'm going to tie it all in. No, this is good radio. I don't care who you are.

Fear drives us to make poor decisions with our money. We get credit cards as a backup plan. Because what if, what if, what if? Pull our money out of the market because we get nervous. as a backup plan, because what if, what if, what if? And you've got to understand. Pull our money out of the market because we get nervous. Yep. So fear does play in our money, our work, and our relationships. And we have to have a healthy relationship with fear,

but we've got to dive into fear enough to at least be able to say, is there something here? So there you go. There's where we tie it all in. That's great, Ken. So there we go. Fear will motivate you. Yeah, don't make decisions based on fear. Let's go to Salt Lake City, Utah. Greg is joining us there. Greg, how can we help?

Hey, Ken. Hey, Rachel. How are you guys doing? Good. How are you, sir? I'm good. So my question is, I'm on a baby step two. I've been working the plan for maybe about four months now. I went through Financial Peace University, and I'm almost done with all my debts besides my last one. The debt snowball really does work. And now I'm just wondering, my last debt is my car. If I should sell it or not, I really think I should sell it, but also I don't, though. Give us the numbers real quick. We got about a minute and a half. Give us the debt on it and how much it's worth. So I owe 32K on it, and it's about 35 about 35 and i think rachel i think you have a tesla it is a tesla i love the thing but it just makes sense yeah i don't know uh what do you make a year greg um so right now i've been gazelle intense with paying off my 20k of credit cards awesome

i have three jobs um but i make like 70k with having those three jobs but if it was just to have be my full-time job it'd be around like 45 okay so 70k okay so basically we kind of our rule of thumb greg just so you know the math where we always say if you can pay it off within a year to 18 months then you can keep it but here's the deal pay it off in 18 okay so here's the deal though Greg. Do you want to live that life, what you're talking about, two-side hustle, all of this, to keep the car? Or do you sell it, be completely debt-free, get kind of a not – I mean, after you've been driving a Tesla, it is hard, but go step back.

Oh, jeez. There's great cars besides Teslas. I know, I know. I'm just kidding. But go get a used car. I have no problem driving a Beater. Yeah, go get a used car and then save up the cash and buy one later just to be

debt free. Like, is it worth doing all of this for the Tesla is the question. Would you do this to buy a Tesla? Would you live the two-side hustle life for it? I don't mind the two-side hustle because, you know. Okay. Well, if you can pay it off in 18 months, Greg,

we give you the green light. That's great. Just keep working those side hustles, pay off the car, or if you're just like, man, I'm exhausted, I want to be out of debt, sell it, be completely debt-free, and then drive something else and save up money and get you the car again if you want in the future.

So up to you, either way. Love it. Thanks for the call, Greg. All right, Rachel's got to go plug her car in while we do some commercial breaks. For free at work. We'll be right back. This is The Ramsey Show. Welcome back to The Ramsey Show. I'm Ken Coleman. I'm joined by Rachel

Cruz. The phone number to jump in is 888-825-5225 888-825-5225 888-8255225. Kate is on the line in Boise, Idaho. Kate, how can we help? Hi, how are you guys? We are having a blast. What's going on, Kate? Good, good. My question is, should me and my husband basically pay off our solar panels on our house before we pay off any of the rest of our debt. Just to give you guys a little bit of backstory, my husband is making about $70,000 to $80,000 a year. I'm in my second year of law school, so I don't have a regular income. I have

a couple of side gigs that bring in a little bit of extra money. The question comes from his, he bought a home with his ex-girlfriend. In 2021, she ended up leaving him and his parents ended up having to purchase the home to get her off of the mortgage. I don't know why they didn't necessarily lump the solar payment into the cell of the house, but now she is calling us relentlessly and harassing us and degrading him, saying that he's not a man for not being able to get her name off of this solar payment. Wow, she sounds lovely. Yeah, we all went to high school together, so it's a fun time. Oh, that's even more exciting. So great. Great.

Okay, Kate, how much is left on the solar panels? So the solar panels, it's still $40,000. It's at a 2.99 interest rate for 25 years. Okay. And what other debt do you guys have? So we're in about $95,000 of debt. Besides that, we have a truck payment that she actually got repoed that was in his name. We have a trailer.

How much is that? For the railroad. Okay. Okay. Keep going. Sorry. He works for the railroad. So we have a trailer that he stays in and that actually brings in a little bit more of the income.

Another truck payment and then my student loans. Okay. How much are your student loans? Currently right now they're $30,000. I still have two years to finance. And so we were trying to pay this off ASAP to start cash billing. How much do you guys owe in the two trucks? The two trucks are combined 26,000.

Um, like I said, one of them we don't even own anymore because it was repoed when they were together. Okay. Um, and then how much is the trailer? The trailer is about 30,000.

Okay. And how are you making income on that? You said, so the way that it works as far as his work is that he gets like um kind of like a hotel stipend i guess um it's essentially 140 i believe a day that he's at work he gets it for a hotel but since he's not staying in a hotel, basically he pockets that and then we've been making payments on the trailer. How much is the payment per month on the trailer? The trailer is $310. $310. Okay. And how many days is he staying in the trailer and getting

the stipend? So he works eight days on, six days off. It's kind of a rough estimate because sometimes he does work more days. Nevertheless. Oh, okay. Oh, man. And she wants you guys she wants to be off the solar panel loan. Because obviously you guys aren, they're not using it, but they both agreed to get the solar panel on this home, correct? Correct. It was not against her will. She willingly put her name on that loan, correct? He didn't go behind her back or like do anything like that? Yeah.

And you're paying it on, are you behind on that payment, on that bill? No, we're current on it. I can only assume, because she got remarried about six months after she left him. So I'm just assuming that maybe she's trying to purchase a new home with her husband, or I don't have any idea. Okay. have any idea okay um well i if i were him i would want her off of it to not have this like attached loan right together because it doesn't sound like a very amicable um relationship but also it's unfair for him to take the well i guess but the solar panels are with the home

well the home is now am i understanding this right the home is owned with the home. Well, the home is now, am I understanding this right? The home is owned by his parents. His mom and dad own the home? Yeah. So when they purchased the home, she put a little bit of her own savings into it. So that was another thing that she harassed him about. And he ended up agreeing to sell the home to his parents because the market went up a little bit. So he ended up cutting her a check for what she put in her savings and a little extra. Right, but that's fine.

What we're trying to do is figure out what you can do here. And so the parents own the home that the solar panels are on, correct? Correct. Yeah, I guess I'm with Rachel. You're never going to get a nickel from her on those anyway. So I'd get her off of it just so you don't have to deal with her anymore. I would never want to talk to this woman again. And then, but the home is being benefited by the solar panels.

So do his parents, I mean. If I was a parent, I'd go, that's not my problem. I already bailed you out once. Right. But what she, you know, I know, but what she's saying is though like because because usually is it right kate that the solar panels you just kind of like lump it in with the mortgage because it's using to run the household is that what is happening i don't know so it's a separate loan not with the house yeah this is already a mess and you need to remove yourself from this woman. There needs to be massive boundaries.

So, Rachel, unless I'm missing something, yeah, to the extent that you can contact the solar panel folks and take her name off the loan, I would do it. If that's what your question was. Well, our issue is I don't have a job. A lot of when they go and pull his credit, a lot of it is the fact that they have that vehicle that was repoed. And then on top of it, our debt to income looks so substantially high because we're still trying to clean up the mess that they basically created. Yeah, and yes. Okay, well, then don't do it then. I mean, you're paying on it, right?

Yeah, yeah, no, we make the payments every month. We pay the mortgage every month. We basically just transfer over the money to his parents. I mean, we're not behind on anything. You know what? Honestly, Kate, if I were you guys, you guys need just some breathing room. As I'm looking at your numbers, I'm like, yeah, way more than half of your

annual income is is you know trucks and trailers there's a part of me that I'm like get rid of the $30,000 trailer go stay in the hotel take the stipend they're paying for it anyways that'll give you $30,000 a breathing room I would look at the trouble the one trucks repoed but you know what what is the other truck that you actually own? What is it, what's it worth and how much debt is on that? Um, so that one's 13,000. I don't know what is, what the value of it is, but it is his work truck. He's a mechanic for, for the railroad. So that's what he drives around, you know, to go. Let me just tell you right now. Okay. Since he's a mechanic, uh, I can't do any of this stuff that I'm about to tell you. But if that car, let's say that truck's worth 15,

I'd sell it and then go get a beater or something like that because he can fix it. And we're just trying to get out of this. Just trying to get some breathing room, Kate. It is a lot. You said there's a lot of ratio from income to debt, and you're exactly right. So if I were you guys, you're carrying so much of this weight around around i would want to start dropping some weights where i could that made sense but

some of these you can't drop you can't drop the thirty thousand dollar student loan the dang solar panels are there but you can drop a trailer you can drop a truck like you guys need to start making progress with your money to at least get your head above water and kate i'm going to say this too because i feel like in good conscience i can't get you off the phone before i do two more two more years of law school and not being able to pay for it you guys are going deeper in debt the hole you're in you guys keep digging out the bottom and so i would really kind of prioritize and look at where where are we at what are our goals um i mean i i know that's a lot we just put on you but there there i would make some drastic moves kate i would because it Kate. I would. Because it's just stuff.

You know what? It's just stuff. To that end, this is crazy. But I would ask somebody, what if I go over to the in-laws' house and we take them solar panels off the top of the house and resell them? Can we resell them? I'd trick into it. Somebody's got to know that. Somebody's got to know.

I would try it. I mean, it's a solar panel. Try to sell them if you can. I don't know. Wow. I need to look that up. This is The Ramsey Show. Welcome back to The Ramsey Show.

I'm Ken Coleman. I'm joined by Rachel Cruz this hour. We're here for you, helping you win with your money, your work, and your relationships. The phone number to jump in if you'd like to is 888-825-5225. That's 888-825-5225. That's 888-825-5225. Okay, so I want to give you all some updates on where we're at in our economy right now. New jobs report information out, but then overall economic report. And this matters because you see so many headlines, you see so many things in the news, and are we in a recession? Will we go into one?

All this kind of stuff. But let me just tell you where we're at, a couple of things as it relates to inflation. Okay, new inflation numbers in. Inflation was at 3% in July. That's year over year. And that is a drop, if you'll remember back to last June, Rachel, it was at 9.1%. Okay, and so core inflation is at 4.8%. That is the lowest since October 2021.

So it'll be interesting to see if you begin to see that in your pocketbook. Okay. And now some other good news as it relates to your income. Wage growth is significantly above inflation for the first time since march 2021 wages are up 4.4 percent and inflation is up three percent in the past year so we're looking back at the last 12 months year over year so it'll be interesting to see do we stay in this continued hot job market because we are in a good job market so we'll see how that relates to groceries and gas. But where is inflation right now?

The very interesting list, by the way, I'm sourcing Heather Long, who is the economy reporter for The Washington Post, and this is not her opinion. This is data from the latest report. So in the past year, so where are we feeling inflation as Americans? Rent up 8.3% in the past year. Eating out, as far as eating out costs, 7.7%. Eating out. Can we just sit on that?

People get so mad at us when we're like, eat in, it's cheaper. Well. They just, they lose their minds. 7.7% increase in everything. Housing in general takes up a big bulk of the inflation number in general. So that being up 8.3% is big. Yep, eating out. This next line is one you don't think about enough until you get to the old emergency fund.

And people driving older cars versus do I drive a Ramsey car, if you will, versus a brand new car. Well, car maintenance, the cost of maintaining your car up 12.7%. Car insurance, this is crazy plus 16.9 percent yes up almost 17 percent from last year insurance rates up now where has inflation eased at the gas pump yes this is good news negative 26 and a half percent used cars this is a good sign by the way because used cars were really hot. Now we've seen a dip in used car prices drop negative 5.2%. This is barely registering, but meat has dropped just two-tenths of a point.

And if you have two teenage boys like I do, let me tell you where we felt it. And no joke, the amount of tacos, hamburger meat, and bacon that i buy i mean it's unbelievable so much yeah wait till wait till charles becomes a teenage boy you're gonna think he's got a tape worm yeah you just keep eating and eating and eating it's fantastic i don't know where it goes and then this is exciting for rachel i know because she declared this was the year of travel as i recall i thought we had an event last fall. You're like, I'm excited about traveling. Well, it looks like airfare has dropped. According to this, airfares have dropped 18.9%. And that is true. We were looking at some stuff for the fall. And yeah, and like there was like a, yeah, one way was like 200 bucks with America.

I mean, it's back to to what I feel like was reasonable. Really good rates. For the most part. Really good rates. That's where we're at. Thanks, Ken the Economist. Yeah, well, no, just a man of the people trying to give you. Just appreciate that.

So here's the good news. Yeah, it's down. We can celebrate that because we talked about how much inflation is up, y'all. I mean, it's down to 3%. That's good for the household budget. Now, here's the deal. Okay, go. Wage increases are up still. So here's the deal okay go wage increases are up

still so here's the deal you can still make more money but please don't spend it save it yes put it towards the baby steps put it towards the baby step two if you're in the middle of that hey i am working the debt snowball i get to that emergency fund baby step three if you're in 3b where you're trying to save for the first here's the point get it while the getting is good wages and jobs still good but we are seeing starting to see some inflation yeah and drop that's a great point for the household budget expenses because winston and i we use every dollar which is our budgeting tool you guys if you have not done every dollar make sure to get this we've had it out since 2015 and it helps you get organized save money and build the life that that you really want uh it's really helped us in so many ways and so it's great because

i can go back and look at last year's monthly you know uh budget and to be able to like okay realistically where were we at and it will help you say okay where can i cut stuff because things have lowered here, lowered there, up to, you know, like everything that list you just read out, Ken. But it helps you really plan it. So I'm going to just say it again, because it is my favorite. And I was looking at it even during the break. But EveryDollar, our budgeting app, it's incredible. And the premium plan, you guys, is the thing that I would get because it actually connects to your bank. You can do paycheck planning, goal setting, budget reports. There's financial coaching even in there, group coaching. There's so much in this

EveryDollar premium. And for right now, we're actually giving you $15 off your first year of the premium version of EveryDollar. And so that's going to be $64.99 for the first year versus being about $80. So go to everydollar.com slash Rachel and please say every dollar or to type that in, but put in Rachel, again, everydollar.com slash Rachel and make sure you get $15 off because that premium version of every dollar that connects to your bank, again, it allows you to do so much when it comes to paycheck planning and roadmapping. But you guys,

this is the stuff, when we talk about that inflation's back down to 3%, like Ken said, that is money in your pocket. And if you've gotten a raise and if you're seeing that wage increase, use that margin, you guys, and be intentional with it. Budget it. Know what's going on because it's so easy on all scapes, depending on what's going on in the economy, just to completely lose that. And the lifestyle increase is real. That budget creep, that lifestyle creep is real if you're not watching your numbers. So be diligent in this, you guys. I mean, the intentionality that Winston and I do for our budget, we're consistent with it because I'm like, you work hard for your money, right?

I'm like, you're going to work. For some of you guys, you're traveling, you're commuting, you're dealing with people at work you don't like. I mean, there's just so much that goes into working. And if you make that paycheck, let it go far. And being intentional and having your numbers in a budget with every dollar premium, it's the thing that's going to help you. Yeah. And so I want to stay here for a minute because here's what I want people to understand. We have a lot of new people, Rachel, as you know, joining us all the time. If you live financially the way that we teach here, you are recession-proof.

You are inflation-proof. Now, I don't want that to sound overly simplistic, so let me qualify that. It doesn't mean that inflation doesn't suck and you won't feel it. The difference is it won't break you. And so here's what we know. When a recession comes and goes, and depending on the economy and what that means, because sometimes you can go through a recession, it doesn't affect your job at all. Sometimes you get laid off. When you have financial peace and you understand the process of how to budget, we're talking about every dollar, you can adjust things on the fly because you have control. And I think that's the thing I want to point out, because if you look at rent, rent is still very high. So you've got some people going, wait a second, in this economy,

it's so, well, I can adjust in other areas of my life. That's right. If I'm having to rent because I'm not able to buy, where else am I going to cut? Because I have control over a lot of my expenditures to be able to weather these storms. You know, you hope to see rents drop. Rent has been on a steady increase. I just was looking at the details. While inflation is down in June, 70% of the 3% inflation was solely dedicated to rent costs going up. Yes, it's a lot. And so that's hurting people. Yeah. We're talking about shelter. That's right. That's right. So I wanted you to speak to that briefly. Just encourage them 30 seconds here on how they could control those four walls and the rest of their spending to go, hey, I'm going to have to buckle down to make it through this storm. Oh yeah, for sure. I mean, it is the food,

shelter, utilities, and transportation. It's the things that you have to have. And the hard thing is, is I'm like, to make sacrifices on those, it's not fun. It's not fun to be like, oh my gosh, we can't eat exactly what we could. We wouldn't go to the grocery store and buy everything. We may not be able to rent in the place we want to rent or the type of location we want to rent. Maybe we have to drive further out. But getting those under control, that's going to give you a level of peace because those are the things that you're worried about.

It's like, do I have a roof over my head? Do I have food that we can eat? So when your budget is really tight on that, make sure that those things are covered first. All right, there you go. Good stuff. Don't move. More of your calls coming up.

She's Rachel Cruz. I'm Ken Coleman. This is The Ramsey Show. Welcome back to The Ramsey Show. I'm Ken Coleman, joined by my colleague, Rachel Cruz. The phone number to jump in is 888-825-5225. Let's go to Jeannie, who joins us in Miami, Florida. Jeannie, how can we help?

Hi, Rachel. Hi, Ken. Thank you for taking my call. I just wanted to start with my question is should I stay in a toxic work environment for a pension and full medical benefits? I have seven years and seven months left before I can retire. No. Now I want to dive in and I want to help you, but the simple answer is no. Because what is probably happening, and you can tell me, but I'm going to guess that what is probably happening

is having a mental, emotional, and physical impact on your body. And gritting that out for seven more years is not good for your health. And so I would never tell someone to do something that's not healthy for them. So that's where I start. So what's going on? What's the toxicity and how's it affecting you? A backstory. Instead of complaining about management, my husband and I are both in the same line of work. I decided to take the supervisor's test and nine days before I was completing my probationary period, I was told that I don't meet expectations. However, I am allowed to sign up for the next supervisor test, which my husband has also decided to do. So when in doing in on my probationary

period, I was doing great up until a specific evaluator. And again, by state statute, I'm not allowed to contest the probationary period. However, I don't mind, you know, taking it again. I have already, since this has happened, an incident happened at work that I had to contact HR to file a complaint. And I'm just a little bit worried about, I mean, I know retribution and everything, but it's just, I loved my job, what I was doing. And I think if God allowed me to go back into it,

I could work through it because I didn't matter the politics and everything at work. I loved what I was doing. Is this at the same company? Yes. Okay, so I'm confused. You were in a job that you loved, and you applied to be a supervisor, and you haven't gotten it. So what job are you in? I was on a probation period, so you're allowed to be a supervisor for a year. Oh, I see. So you're in it, but you're in a situation where it's toxic, and you haven't told me what's toxic about it. What is so toxic?

Basically, the supervisor that started my last four or five evaluations was just very condescending, and that's just the way he is, just his nature, his personality. I went along to get along because unfortunately I do work at, it's a, it's a police department. So, um, you know, it's a male dominated environment. I went along to get along, uh, his behavior has never been, you know, um, corrected or anything like that. And, um, so let me ask you this, if, can you put up with him long enough to see if it's going to be a possibility for you to go back to your previous role? Yeah, he wouldn't have to be my supervisor. Because of the complaint I already just filed, I don't know if he's even allowed to technically be my supervisor now.

Right, but here's what I'm asking. So the way you pose the question is, should I leave a. You don't like the supervisor part of it. And there's a possibility that you can go back to just being a police officer. And I'm saying, can you stay in the supervisory role long enough to determine whether or not they'll say, you know what, we get it, Jeannie, you don't like it, you want to go back. I'm asking, can you stay in there long enough? Because that's going to change my answer potentially as to whether you stay or go. So what is the answer? No, I'm confused about the question, I guess.

Okay. You're in a supervisor role right now that you don't like. No, I'm no longer. They removed it from me nine years, nine days before my probationary period was set to end. So I'm confused. You're back in the position that you used to love, yes or no? No. I was a police officer, and instead of complaining about management, I decided to stop complaining and put in for a supervisor position, like take a test. So I took a test,

and I made the list, and I was made back last year. Okay. But you're not happy where you are, bottom line. Correct. Yeah. then leave. Here's the deal. You have two options. I'm a little confused, and I don't want to keep confusing the audience, because if I'm confused, they're confused, but so here's the deal. You have two options. You either stay where you are in a role that you don't enjoy, we're clear on that, until you can get clear from your leaders that you could go back to the other role and if you can't then you need to leave because it's not worth seven years of being unhappy that's that i'm

clear on does that make sense does that answer your question because you can you financially we can help you win but jeannie does it help that because you filed this complaints recently that he may not be is he your? Is he the toxic part of the job? Is that, is he the only part? Cause if he's not your, if you, if you're not have to report to him, does that help the situation where you're at? Yeah. Okay. And do you think that's going to happen? No, I won't. I, I, there's so many supervisors that I won't need to be, I can easily never have to work with him. Okay. So does that, does that solve your problem? Like, could you stay and you're never gonna have to report to him? So does that, is it still toxic? Yeah, I could stay and then take the test again and try to pass and then redo the probationary

period. Yes. That, that was that. And then, I mean, and again, I'm, I know that wouldn't, I wouldn't see that person again, so that would be great. Yeah. I could stay there and do the job that continue to do the job that continue to do the job that i love okay well so then there it is if he's the only toxicity in this entire situation and it's removed then then stay but the but again back to my answer if you get to a point where you're not happy there and you don't want to go in every day you don't do that for seven years yeah and you don't stay for yes the pension the health care for years. Yeah, because you can go get good health care and the pension. We can put you with a Smart Investor Pro.

It can help you transition, all that. Here's the bigger, because we get this question a lot. It's a very good question, by the way, by Jeannie. Yep, yep. Never stay in a situation at work that you are very unhappy with just because you have good benefits, because the detrimental effect on your mind, your soul, and your body, mental, emotional, physical. Way outweighs a patient. The data is very clear.

Yeah, you'll wreck your body. Yep. There's all kinds. It affects your immune system. I'm making a nerd out here for a second. But when you are unhappy at work and you are unfulfilled and all of the stress and the longing that comes with that it begins to build up into what they call burnout which is an actual symptom but that has the effect of immune system being lowered your energy is lower you can put on weight

i mean it goes on and on and on that doesn't even count for the maybe anxiety. Right. Depression. Right. Oh, yeah. I don't want to make this big scary thing, but you are a whole person. That's right. That's right. So your work, your parenting, your marriage, everything, it is all one, you guys. And so there's not just one part of your life that you're like, well, I'll come over here and be in a terrible environment for eight hours a day and everything else in my life

is going to be okay. It's not. It's going to be okay. It's not. It's going to affect every part of your life. So as much of a holistic picture that you can get of health all the way around with your money, with your relationships, with your work, everything, you just enjoy life more, you guys. And I know that's easier said than done

because people are in really tough situations and changing jobs is really difficult. It's scary. I mean, there's a lot of logistics there. We understand that. But for the betterment of you, that's worth it. And what Ken's saying is exactly right. And to your point, we're also saying don't jump. Don't just jump without a plan. Come up with another job. And so we move, we take care of us, but there's no risk here. And I think it feels risky. But what we would teach you is unless you're in an abusive danger, like your life is in danger, there's something really creepy going on to where it's like leave today.

Yeah, yeah, sure. And let's just, okay, let's find another boat to get on. And we step onto that boat and we move on with our life. So financially, we're not putting ourself at risk by taking care of our mental, physical, and emotional health related to work. So Jeannie, I'm glad that the situation is better. Hang in there. You're going to be great. Thank you for serving the people of Miami, putting yourself in danger. Mad respect for our officers of the law and officers of peace. They put themselves on the front line every day. So thank you for that. Rachel Cruz, great hour.

I want to thank Austin and the entire team for keeping us on the air behind the glass. And to you, America, thank you for listening and watching. This is The Ramsey Show. Hey, it's Rachel Cruz. If you like what you heard in this episode and want to know more about getting started on the Ramsey baby steps, go to ramsaysolutions.com

and click the get started button. We'll help you figure out the best next step for you based on your specific situation. That's ramsaysolutions.com and click the Get Started button. We'll help you figure out the best next step for you based on your specific situation. That's ramseysolutions.com and click Get Started.