The Ramsey Show - App - There’s a Way out of the Paycheck-to-Paycheck Cycle (Hour 3)

Episode Date: April 8, 2024

Live from the headquarters of Ramsey Solutions, it's The Ramsey Show, where we help people build wealth, do work that they love, and create actual amazing relationships. Jade Walsh, all Ramsey personality, number one best-selling author of the book Money's Not a Math Problem, our Ramsey quick read, about 70 pages worth on how to put together your life and the real person, the real reason you're broke and what to do about it. She's my co-host today, 888-825-5225. Ashlyn is with us in Oklahoma City, Oklahoma. Hi, Ashlyn.

How are you? Hi, I'm good. How are you? Better than we deserve. How can we help? Okay, so my husband and I are both struggling entrepreneurs. Right now we have a yearly income of $49,108 a year. And we have debt of about $111,582.

What kind of debt is it? So, sorry, I was just running. We have $38,000 in my husband's truck, $14,000 in my car, and $54,000 in a camper, which was, yeah, that was our attempt of living in the camper to save money and pay off things because rent is very expensive but are you living in it now well it's been in the shop for the last two and a half months which is very unfortunate well where are you living now? We're living at our in-laws house and our plan is to sell the camper and sell the truck and stay with our in-laws and pay off the $14,000. Oh, and then we also owe $5,000 in student loans. So to pay off my car and the student loans. Okay. That sounds like a good plan. How can we help? Well, I guess that's a good question.

You also need to make more money. Let me throw that in there too. That's what I was going to say. Yes. So my struggle is that we need to make more money. It's hard to track it. I'm a hairstylist, and so my money kind of fluctuates quite a bit. Why is it hard to track it? If you're keeping track of it every month, you'll be able to look back and say, this is what I made over the course of a year. And then after a couple years, you'll be able to say, and this is average for me to make each year. Very easy to track. A sixth grader can do the math.

I don't, I guess I don't. You haven't been tracking it. I have not been. And I switched to an online, or I'm making all my people pay card because a lot of people will pay me cash. Okay. And that just doesn't work for me. I can't manage that very well. No, you won't manage it.

You can manage it, but you won't. So the problem is not that you're tracking. I mean, that is a problem, but tell me more about the problem because whether you're tracking it or not, you've just told me you make $49,000 a year combined between the two of you. And you've told me that you had some failed

self-employment ventures. Yeah. Okay, so what does your husband do? My husband works for his family's construction company and he was working for someone else in the past. They laid him off. And so our family kind of took him on and was just paying him, um, as a contractor, just an average pay of like 800 a week just to do random odd jobs while they asked him to run a lawn care company to help them run a lawn care company and that he would be 20% share in that. So what I think, I'm just going to

interrupt. What I think is, I think your husband needs to figure out what he wants to do as opposed to just taking whatever someone will hand over to him and say, hey, why don't you work on this? Or hey, why don't you go do this? I think that's thing one is him figuring out what he wants to do long term and we can get him hooked up with ken coleman's career assessment to figure that out and i think for you doing hair is great but if it's only making you 20 or 25 000 a year you've got to add something to it or figure out a way that that's actually giving you a sustainable income. Fair enough? Your math's wrong. Yeah. Your math's wrong.

Yeah, that makes sense. Your husband's not making $800 a week. Well, he is, but after tax. I'm so sorry. We set back money for taxes. So a month, he's bringing in $2,720 a month after tax. Is that more accurate enough? Yeah, okay. And how old are you two?

I am 24. He is 27. Okay. So here's what I'm 24. He is 27. Okay. So here's what I'm observing. You all make a lot of decisions based on what it's going to feel like next week instead of what it's going to feel like 10 years from now. Sure. And so you jump from one thing to another.

You jump from a camper to the in-laws and whatever you jumped out of into the camper. And then you jump over here and then you jump over there. And there's, there's a lot of chaos. And what I would pray for you guys, what I would want for you, cause I love you is for you to calm down and become very disciplined and very focused on a long-term goal, both of you, and then the series of steps that will take you to the long-term goal in your careers. So, and then that'll cause you to say, oh, my long-term goal demands that I handle whatever money comes to me for being a stylist, whether it's cash or card, because I have to make this

money behave to achieve my long-term goal, instead of, thank God it's Friday, oh God, it's Monday. And then that person has trouble keeping up with cash. Right. But the person who's hell-bent on a long-term goal, zero, laser-focused on a long-term goal, they can keep up with cash. They don't have any trouble keeping up with it at all. Cash is not a problem for them. They don't care how you pay me.

Just pay me often and pay me a lot because I'm going for this, baby. I got a game plan. I'm doing it. I'm stepping. I'm going. And when you're getting that and you're moving towards a 10-year play instead of a 10-day play, then it's going to keep you because you guys got a lot of fits and starts. You start, stop, start, stop, start, stop.

And every time you do that, you lose not only focus, you lose momentum in your income, in your wealth building, in your career aspirations, all three. And it's very stressful. There's a lot of anxiety with that much chaos. And it's stress. It feels just like I'm laying awake at night because I got crap running through my head like what to do.

What am I going to jump to next? Oh, my God. Oh, my God. Instead of like there's a plan. We're the tortoise, not the hare. We're executing the plan. Hang on. We're going to give you two of Ken Coleman's Get Clear Career Assessments.

Take them both. They're our gift to you. Sit down carefully and say, who do I want to be in 10 years? What are the steps to get there? And how does lawn care and hairstyling fit into that? This is The Ramsey Show. Hey, you guys. Health insurance costs are only moving one way, and that way isn't down. And if higher costs aren't enough, the wait times to see your doctor are longer, and it's harder than ever to get anything approved through the bureaucracy. So if you feel like the system is working against you, try a biblically-based alternative to health

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She will be among the speakers, the Ramsey Personality speakers, which includes Jade and Rachel Cruz and George Campbell, and I will be talking about money stuff. Of course, Ken Coleman, Dr. John Deloney will be with us as well. Who am I leaving out? And all the Ramsey personalities, we're going to be doing a huge weekend event, the Total Money Makeover Weekend. And it is May 10th and 11th. There are still some tickets available.

We would love for you to get one before they're gone. Otherwise, you'll experience FOMO. Don't miss this. It's a day and a half, two day event. You'll leave fired up and wired up and knowing exactly not only how to get out of debt on a budget, but how to become wealthy. Ken's going to talk about increasing your income from a professional growth standpoint. Dr. John Deloney, our expert on relationships and emotional health, he's got a Ph.D. in counseling. He's going to be walking you through the relational aspects of this whole thing, and you're going to have a total money makeover. So bring your reluctant spouse, but be careful what you wish for

because they may turn into more zealous than you. And bring your crazy friend who thinks you're crazy, and they will leave crazier than you. The person that's making fun of you for doing the Dave stuff, bring them and buy them a ticket because they'll believe me. By the time you finish spending the weekend with us, you're going to not only believe that you can become wealthy, but that you should and could and can become wealthy.

So it's going to work. May 10th and 11th, get your tickets at ramsey solutions.com it's on the hill here at ramsey campus in a ramsey event center come in a little bit early on friday and watch the show happen we'll be doing the show live on the glass we do every monday through friday from one to four central time and i invite you to drop by and hang out with us uh a couple about a week later ten days later i'm going to be doing the first time ever rand dave ramsey's investing essentials where i'm going to go into the basics of investing which i've done many times but also what i do with investing uh and so that includes uh not only mutual funds but other things i'm going to show you and help you understand some really

basic tenets the principles of how you choose investments, the way you analyze an investment, and I'm going to go deep into my real estate playbook, how I look at real estate. And I own several hundred million dollars worth. I'm not on TikTok and living in my mother's basement trying to sell you a real estate course. I actually have done this, hundreds of millions of dollars worth. So come join us. I'll show you what to do. And this is a virtual event. And so you're going to watch it from the comfort of your home. George Campbell is going to help me with it. And it's going to be incredible. So you're going to, you know, really walk away with not only more knowledge than you've

ever had, but some some really to do list of what to do with your investing. And then Rachel Cruz and Dr. John Deloney will be doing their Money and Marriage Getaway October 24 and 26 here in Nashville. It's a whole weekend of money and marriage. It's fun and funny. Believe me, if it's those two, it's got to be fun and funny. They just don't do it otherwise. RamseySolutions.com slash events for all these tickets. Be sure and check them out.

Austin is in Phoenix, Arizona. Hi, Austin. Welcome to the Ramsey Show. Thanks for having me. Sure, what's up? Just to get to the point, I'm looking at, you know, getting engaged and married to my girlfriend, and she is coming in with a considerable amount of student loan debt.

And I'm thinking about, is it a good idea to maybe sell the house that I have a bunch of equity in to kickstart the, you know, debt snowball plan and knock out a bunch of this debt and get it paid? Or should we stay in the house and just go all in on the debt now? You said you're looking at getting engaged and marrying. Are you engaged yet? Not yet, but I have the ring and everything. Good for you. When does that happen? That should happen within the next month or so.

Okay. And then how long do you think before you guys would go through with a marriage? You know, a loping is not off the table, but within a year or two, I would assume. But you said a loping is not off the table. Okay, cool. How much student loan debt does she have? You said it was student loans, right? How much? Yeah, $400,000. Aye, aye, aye. Okay. And do you have any debt? What is she? She just is graduating to be a veterinarian. She has a job. But, yeah, she's a vet. I do also have a little bit of loans.

I have $13,000. $400,000 to be a vet? Oh, my gosh. Should have been half that. Yeah. Good God. Ooh. Okay. That's a lot. much what's your home worth uh my home is worth probably

six to six fifty and what do you owe on it uh 328 okay and so and you said you had some debt too what was your debt by the way,000 in student loans and a $30,000 car payment. Okay. And does she have anything else besides the loans? $10,000 car payment. That's it. What do you make? $133,000 base.

Okay. What does she expect to make when she graduates? $135,000. She's already getting paid, yeah, $135,000. Okay, cool. Oh, boy. Okay, cool. Oh boy. Okay. Yeah. So when you guys get married, all of this is going to become both of yours, but not a day sooner than that. So up until then, you guys need to both make separate headway on your debts. It sounds like you're already living together. Is that true? Yeah, she's moving in currently.

Okay. So just because you're living together doesn't mean you're married yet. And so for that reason, keep this very separate until legally you're married. And I would do that sooner than later because at this point, why wait? Right? Yeah, of course. Like pick the next romantic time and propose and then... The next romantic time and get married.

Yeah. Yeah. next romantic time and propose and then the next romantic time i get married yeah yeah um yeah and then yeah that's um and then yeah after you're married i would sell my house you hear that real clearly after yeah of course yeah not before because we've heard all the nightmare stories that people that do stuff acting like they're married before they're married because they think because they're shacking up, they're married. You're not married. You don't have any of the legal protections or anything else. And so, no, no, no, and no, you do not pay off anybody's debt, not a dime of it until you are married to them.

And as soon as you're married to them, now you took on their debt with them. And now we're going to do everything we can to clean it up as fast as we can. So you're going to be making close to 300K and you're going to be 100% debt free pretty quick. And then you're going to be saving up to buy a house. Exactly. Did you have any other money saved? Yeah, I have a $20,000 emergency fund and then $120,000 in my 401k. Okay, don't touch the 401k, but the $20,000, 19 of it is up for grabs as well for you clearing out your debt. So if I were you, I'd start working on my car and get as far as I can until you guys get married. And same thing for her, whatever she can clear out before you guys get married, you guys need to keep working separately. And then when you get married, yeah, come together and do this house deal.

Sounds good. Wow. And never go into debt again. And look, it's not to pick on or shame somebody, but it should be noted that she paid twice for her degree, which she should have paid. Yes, I have pointed that out. Okay.

Don't point it out again. Once is enough. And a cautionary tale, because it's worth noting, when we talk about people living paycheck to paycheck, a third of people who make $250,000 a year or more live paycheck to paycheck, which is crazy. I think what happens is you get this good salary and you're like, we're living the good life now. And before you know it, that lifestyle creep starts creeping up and you're right there living paycheck to paycheck, feeling like you make $80,000. I think being a veterinarian is an excellent career track,

but $400,000 invested to make $135,000 is not a good ROI. A girl called in on Friday. I was on with George, and the girl called in. She was a veterinarian, and she was already $250,000 deep, and she had two years to go, and by the time it was over, she's going to be $400,000 in. It's not necessary. You can get a DVM for $200,000.

I mean, for God's sakes, you can get an MD for $250. Yeah. So, you know, it's just watch what you're doing, people. These schools will charge you anything, and you don't have to look at it because you're borrowing the money. So it's not necessary. But, yeah, I'm a big fan of the idea of being a veterinarian. But keep in mind, welders with a high school degree make $110 in America right now. This is The Ramsey Show.

Jade Walsh, our Ramsey personality, is my co-host. In the lobby of Ramsey Solutions on the debt-free stage. Chris and Angela are with us. Hey, guys, how are you? Hi, how are you? We're doing well, Dave. How are you? Doing great, man. Welcome.

Where do you all live? We're in Reedfield, Maine, just outside of Augusta. Ah, very cool. Good to have you in Nashville. It's a bit of a trek from Maine to Tennessee. A little bit. It is. Yeah.

It's a bit of a trek from Maine to anywhere, though. It's true. Really. I mean, wow. Yes. Good to have you guys. So how much debt have you paid? We paid off $157,000.

All right. Oh, wow. And how long did that take? 13 months. Good for you. And your range of income during that year? We started off at $230,000 and ended up around $300,000. Excellent.

What do you all do for a living? What do you do for a living? I'm a finance director. Uh do for a living what do you do for a living i'm a finance director uh-huh and what do you do angela angela hey her her headset's not working boys and girls okay are you hearing me can't hear me you can uh chris can you hear me you can't hear me okay how in the world is he answering my questions? He's a good lip reader. Barely. Very barely.

Hey, turn up his volume to his headset, please. Okay. All right. So, I'm sorry. It's all right. Technical glitch. Oh, that's never happened before. Oh, my goodness.

That's true. Okay. So, can you hear me at all? I can hear you. A tiny bit. Okay okay what does angela do i work in ministry ah okay now you can hear me or a little bit okay good all right cool so uh what kind of debt was this 157 000 yeah we had a smart car loan um a tractor loan um and our house, you paid off the house. You're weird people. Way to go, you guys.

That's cool. What's the house worth? About $550,000. Wow. Nice. Excellent. Excellent job. Okay.

Very cool. And how much do you have in your nest eggs? A little over $600,000. Millionaires. Yes. Baby step millionaires. Way to go. Way to go. How old are you two 43 all right 43 way to go very cool congratulations excellent wow so tell us the ramsey story how'd you get

started on this whole thing yeah so uh well 14 15 months ago we started uh listening to the uh the podcast um started hearing all these debt-free screams and we started getting emotional yeah we kind of got hooked listening to them and we had this thought that that could be us one day wow yeah so we uh we decided that uh you know it was it was time to stop making excuses and just go for it. So, oh, YouTube sucked you in. What's that? YouTube got you in. Yes.

That's what did it. Okay. So did you just learn from YouTube or did you do Total Money Makeover? Did you do Financial Peace University? Anything like that? We did look at Financial Peace University but really we we knew the baby steps already and we just decided now's the time to really put them into practice and and hammer it out awesome yeah way to go way to go congratulations you guys thank you how's it feel to be free

it feels great it's great it feels really good it's real it's a it's a release yeah peace right financial peace it is oh wow way to go way to go what do you tell people the key to getting out It feels really good. It's a relief. Yeah. Peace, right? Financial peace. It is. Wow. Way to go. Way to go. What do you tell people the key to getting out of debt is? 157,013 months.

Yeah. I would say your what's next has to be important, more important than the what's now. To be content in what you have, not to be jaded by the stuff right in front of you and to look to the goal in the future and really have your eyes set on that and to work as a team to get there. Yeah, way to go. Very cool. Absolutely.

So you listen online, you know the baby steps. I got to believe that you started budgeting. What was the hardest part walking through this? What was the biggest sacrifice? What was the thing that made you think, oh, this might be too much? What was the hard part? Well, to be honest, I'm super cheap.

I'm super frugal and super conservative. So cutting back on things wasn't hard for me. Second nature. It was second nature. I actually have the opposite problem now. I'm still super cheap. He's like, but we can afford it. And I'm like, but it's expensive. I love it. I love it. I love it. So house is paid off. Everything's paid off. You guys are baby steps millionaires. Tell us what's next. I can't hear you.

I didn't hear that last question. What's the biggest thing you're going to do now that you're completely free? Well, we have a couple of things we want to do. First, we want to travel and we want to do some repairs on our home. But the biggest thing that we want to do is now we're able to give like no one else. Amen. We have big plans for that. I love it. Way to're able to give like no one else. And we really, we have big plans for that. I love it. Amen. Way to go. I love it. Very cool. Yeah. You know, we, when we first paid off

our, our debt, we were both, you know, the first thing we want to do, we want to be, you know, we want to give like nobody else. And I think we were, we were shackled by debt, which impeded our opportunity to glorify God with our money. Um we're at ability to you know with god's will we can we can glorify him and and and bless others the way he has provided for us he's blessed as uh you know more than we deserve uh we want to we want to be able to reciprocate that to others amen way to go yeah that's what it's about right there i love it congratulations thank you all right bring the kiddos up and introduce them and give us their ages so this is this is manny he just turned nine while we were here all right happy birthday manny and warren is 10 and we also

have a 19 year old at home uh she had too much college work so she couldn't make the trip with us but she's listening cool thing about, she's cash flowing her college. All right. That's it. Audrey and Brianna both paid cash for their vehicle. Way to go, guys. Wow. We're passing that along.

I love it. The whole family tree has changed. Yeah. Excellent job. Way to go, you guys. Very well done. All right. It's Chris and Angela, Manny, Audrey, and Lauren from Augusta, Maine.

$157,000 paid off in 13 months. Baby Steps millionaires, house and everything, $230,000 to $300,000 income. Count it down. Let's hear a debt-free scream. Three, two, one. We're debt-free! Yeah! Woo! three two one we're dead free yeah that's how it's done boys and girls yes yes that's amazing they did an incredible job man that's just super. That's like having a superpower now.

I mean, to be 43 years old, be millionaires, paid for house, $300,000 income. They can do anything they want to do. And like she said, they can be outrageously generous now. Yeah. Think about how much you can give when you don't have any payments and you make $300,000. As much as you want to give. I mean, it's like live like no one else. So later you can live and give like no one else, right?

Wow. I mean, they really are in a position to do that. It's a beautiful, beautiful position of generosity, and they caught that idea that we're going to give God the glory, and we are blessed that we can be a blessing like Abraham of old, right? Yeah, and you're seeing it drift through their family tree already with children going to college debt-free, buying vehicles debt-free. Now, that's when you know the cycle's broken.

Yeah. It's not just we did it, but then the next generation does it too. That literally is a, that's a literal representation of changing your family tree. Oh, yeah. And this is, I mean, these are core memories for these kids. They're never going to forget what they saw their parents do. We drove all the way to Tennessee, and that weird guy stood on that stage, and the microphones didn't work, and we screamed debt-free.

That's right. It's all marked right there. I mean, it's pretty incredible, you know? So absolutely perfect, absolutely amazing. Very, very well done. Doesn't get any better than that. So here's the trick out there. You could be 43, you could be 63, you can be 23, you could be single, you could be married with four kids, you could have no kids, you could be married with six kids.

Every shape, size, color, background, history of family has stood on this stage now on Donnadette Free Scream. Yep. So whoever you are that's listening or watching, you've got no freaking excuse. None. What. So. Ever. You've got to do this, folks.

You've got to do this. Well done, Chris and Angela. You're heroes. We're proud of you. This is The Ramsey Show. Our scripture of the day, Matthew 626. Look at the birds of the air. They do not sow or reap or store away in barns, and yet your heavenly Father feeds them.

Are you not much more valuable than they? George Bernard Shaw says says both optimists and pessimists contribute to society the optimist invents the airplane and the pessimists the parachute that's good i've never heard that that is a great quote oh i'm a quote collector and i've never seen that one oh that's that's fabulous. Very well done. Open phones at 888-825-5225. Jade Warshaw is my co-host today. AJ is up next in Denver.

Hi, AJ. Welcome to The Ramsey Show. Hey, Dave. Hey, Jade. Thanks so much for taking my call. Sure. What's up? So thanks again.

I have kind of a crazy thing that I'm thinking about doing and I wanted to call cause I listened to this and I want to call before I do the crazy thing and I want to hear your advice. So I'm an engineer right now. I work in dams. I've done really, really well as an engineer, but I am still pretty young. But honestly, I never felt like that was, that was the Lord's calling for my life. And actually, since I started still pretty young. But honestly, I never felt like that was the Lord's calling for my life. And actually, since I started, I always wanted to do ministry. And as time went on, it's been about 10 years now that I've been in this engineering job. It's given me a lot of opportunities to travel and do those things, but I've had a consistent vision to kind of start a

Christian coffee shop near campuses to kind of help students with hard questions. And I don't know, it's been a burning passion of mine. And about every six months for the last 10 years, I've panicked and thought, when am I ever going to do it? So recently, I made the move and I just asked a campus ministry if I could join them. They said, yeah. And no more than a week later, someone approached me and said, hey, would you like to start a coffee shop below this place? We have a place you can have it for free. Do you want to do it? And now I'm panicking and I don't know if I have the finances to do it. I don't know what route to take. And my, really, my question is, do I option one, um, I could start my own independent consulting thing and probably just for 10 hours a week, make really good money and keep my engineering job at a part-time capacity while I tried to do

these other things. Or do I need to just be more bold and go ahead and go for it? My only concern is that it's time. So if I start my own thing, it's going to take a lot of time. And no matter what, I'm looking at starting my own thing. And if I'm divided, on one hand, if I'm divided, there's a greater chance it will fail. And on the other, if I keep this engineering thing, there's always this for sure lower risk income that I can keep. So those are the risks that I'm balancing. And I'm really curious what you guys have to say. Is it just you? Or do you have a family, a wife? I have a family. Yeah. I have a wife and two kids. My wife works at home but has a little side gig that doesn't really bring in much income,

and so I'm the only one that's pulling in income. What do you make as an engineer? Right now I'm making about $130, $140. And how does your family exist if you quit and do coffee? Well, we can raise funds with the ministry that we're going to be a part of, or I can go drop. So basically I work for someone else now, and I could try to work for myself, and maybe if I'm lucky or blessed, whatever you want to call it, make the same working for myself, working 10 hours a week and do these other things on the side. So those would be my options. Okay. All right.

Without being lucky or blessed, but just being very intentional about doing consulting, how confident are you that if you said, look, I'm going to go out on my own and I'm going to do this so that there's that and the coffee ministry? The coffee shop. Are you going to own the coffee shop? Are you, is that what you're saying? Yeah, that's right. So hypothetically it could actually be profitable. Yeah. And I think it will be a number of years and that's kind of the other thing I'm kicking around. We have for the last 10 years been saving. I mean, it's been our sole focus, but I only have maybe 60 K put away. Um, and I don't know that it's enough. How are you going to end up owning the coffee shop? How's this work? Yeah. So the, the space itself is another ministry called the Colorado House of Prayer, and they offered us a spot.

So they basically said if you want to come under our umbrella, it's yours. But the question for us is do we even have enough? It's not just the space. It's also floating our family in the interim. I got that. I got the family part. What I'm trying to figure out is so if you set up a coffee shop and you put your money into this space, do they own it or do you own it? They'll own it.

But do you pay any rent? You don't pay any rent or anything. Okay, so you're not talking about opening up a coffee business, a coffee shop as a business and doing ministry in that setting. You're talking about going over to a ministry place and putting in a coffee pot and doing ministry. Basically, yeah. Yeah. Yeah.

Well, it's not a coffee pot. It's got other pieces to it. I didn't want to take too much time. Well, I mean, the bottom line is you're giving this ministry a bunch of equipment. Right. Correct. Yeah. Yeah.

I think you can do a different model than this and still live your dream okay what do you think i think this could be a hoop i mean it could be a snare um the uh i think you open a coffee shop and do ministry from it there's plenty of people that do that um in the christian world You would not be the first by far. I have a question. If you, the ministry that was giving you the space, once you were to put your materials in there. They own it.

Would you be able to have your materials back if you wanted to? Mike, what I'm getting at is, would you be able to use that space to test, figure out, hey, like this is doing well and then if you,

once you're ready to move on and see, hey, I can really create a business of my own out of this. Does that make sense?

Yeah. Could that be a good testing? that's actually the, exactly, and that would all come down to like a contract with them, but yeah,

the idea is Yeah, you contract with the ministry that you own the equipment and it's yours to take with you when you go to open your next deal okay that that's okay if you want to do that as a little test market and then keep the other open so um when i'm looking for uh i run a business that i believe as a believer as a christian person, that God owns it. And when I'm looking for his will for that, I get 5,000 ideas in my head

and lots of things that push on me, just like you have with this. And some of them, five years later, turn out to be God, and some of them turn out to be last night's pizza. This one has been persistent enough with you over a long period of time that it's probably God. It's what it sounds like to me, okay? I might be wrong, too. You and I both might be wrong, AJ, but I think you're probably on to something. Now, but that does not necessarily mean just because it's God,

it does not mean methodology needs to be sloppy because jesus said don't build a tower without first counting the cost lest you get halfway up and you're unable to finish and all who see you begin to mock you and say this man began to build and was unable to finish so a lot of people in the name of spirituality in the name of christianity do a lot of half-cocked half-planned impulsive crap and blame god for it don't be one of those you said it that's good you're an engineer you know better than that well that's exactly it and that's why for the last 10 years i've been putting it off i'm not saying it's wrong though i'm just saying do it in a way. Build the bridge.

You're an engineer. Build a bridge. There's a methodology here to opening a business, running a thing, and that would require that you pull the boat closer to the dock. You don't just jump and call it faith and hope the boat pulls up. So, no, you keep your income from engineering coming in from some source, whether it's 10 hours a week over there whether it's side stuff and you you may have to put in a lot of hours to make this dream come true

god's not above working you that's true and so uh you may have to because you get your first job is to take care of your own household first or your worst and unbeliever scripture yeah so he's not going to give you something to do in a way that it violates scripture. That's a good word. So have a good plan. Don't do it in a way that puts your home at risk, your kids at risk. They're first. They're first.

They're your first ministry. Then you can, so you walk into this very gradually and very slowly, but I kind of think it is God just talking to you. And if you need a new, a good name of think it is God just talking to you. And if you need a good name for the business, you could call it Hebrews. Oh. Hebrews. Hebrews coffee.

It's probably been done, but I like it a lot. Same. Pretty cool. It's not bad. That puts us out of the Ramsey Show and 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. We'll see you next time.