The Ramsey Show - App - Tips on Discovering a Clear Path to Your Dream Job (Hour 3)

Episode Date: July 6, 2018

The show about you

Live from the headquarters of Ramsey Solutions, this is the Dave Ramsey Show. It's where America is hanging out to have a conversation about your life and your money. Sitting in for Dave this hour, I am Ken Coleman, host of the Ken Coleman Show on Sirius XM, Channel 132 that leads into the Dave Ramsey Show over there on Sirius XM. And there we are helping callers discover what they were created to do. And then once you get that clarity on what you were born to do, how do you get there? How do you make that dream a reality?

It is a career hour on the Dave Ramsey Show. And I'm taking your calls. Are you feeling confused? Are you feeling stuck? Are you afraid? It's a safe place. And it's a free call. 888-825-5225

888-825-5225 is the number for you to jump in. We'll start it off with Daniel, who is in Tallahassee. Daniel, how can I help? Hi, Tim. Thank you so much for taking my call. You have a fantastic staff and so does Dave. I appreciate your talking with me today.

Thank you. How can I help? I'll be as brief as I possibly can. I had my dream job seven years ago. I started it two years ago. They liquidated my department nationwide in Canada, all over the United States and Canada. I was basically a college recruiter, but I did something basically like you do. I talk about students' passions.

I work with high school students talking about their passions, what they wanted to major in, if a college was good for them, if a state school was better for them, what they needed to do. I love that job. Fortunately, I can no longer do that. I took a job as a marketing specialist at a manufacturing company, a metal manufacturing company, and have been here interviewed for several positions elsewhere.

I'm underemployed. I was underemployed. I did find a job that someone made me an offer, a much better position. I put in my two weeks' notice with the company, and suddenly the chief operations officer quit unexpectedly. And the boss told me he needed me to stay and that he would give me a bonus if I helped him sell his company. Well, he had it overpriced and reduced the price, and we had two potential buyers for it.

We started talking about the bonus, and he said, well, I can't give you what I promised you because now I'm asking a lower price. My question is, and both of those potential buyers, by the way, have now fallen through. Right. My question is, should I stay where I'm at in hopes of getting less than 50% of what he initially promised in a bonus, which is more than I made in my dream job, or should I just leave and just forego the bonus at this point? Well, I wouldn't leave unless you have something to leave to, unless you're able to leave.

And I don't think that you're able to leave financially, just to leave and then go prospecting. Am I right? That is correct. Okay, so then you need to stay until you have something else. And if in the process of looking to get back where you want to be, which, by the way, you know what your dream job is, so you know where to be looking. For you, you have to say, am I willing to do whatever it takes to get back into my dream role, which is being a college recruiter? Or whatever you are doing from a day-to-day function as a college recruiter, if you can transfer that activity or those activities or that role to another place, then you're doing work

that you're passionate about. But that's what you've got to identify. Right now, you're where you're at, and I'm hoping that as you're looking for that dream role and coming up with a plan to get there, I'm hoping that maybe the thing sells and you get that bonus and you walk away with some extra cash. But there's no question in my mind that you need to be looking, looking, looking. And in the process of looking, having the conversation with yourself, with the family, are we willing to move outside of Tallahassee? Because the reality is if you love college recruiting, you've got 50 states to play with there.

And if you say, well, I'm not interested in moving out of the southeast, then that shrinks the area that you're looking. But that's what you need to be focused on right now. But staying there long term, absolutely not. You're already basically ready to get out. It's not what you love. It's not something that you're passionate about. So I think you've got some clear steps in front of you, some clear homework. So I would move that direction.

888-825-5225 is the number to jump in. It's the Career Theme Hour here on The Dave Ramsey Show. I'm Ken Coleman taking your calls. We next go to Kaylee, who's on the line in Stillwater, Oklahoma. Kaylee, how can I help? Hi. So I have my engineering degree, and I'm in a position currently that allows me to use it,

and I do enjoy what I'm doing right now. But I'm hoping to, within five to ten years, run my own business and maybe allow myself more time for you know, for volunteering or just, you know, other things like that. And I keep going back to the real estate industry. And I'm just wondering, am I on track with that? Or is there something that, are there opportunities that I'm not seeing that I could use my degree that would still allow me to run my own business or have more time? Yeah, I like the question because I think a lot of people have it, but I think it's the wrong question. I don't think you need to be thinking about your degree and then saying, well, how can I use my degree?

I think you actually know what business you want to run, and it's in real estate. So just dream for a moment. No limitations. Five, ten years from now, you're just absolutely rocking it in this business. What's it look like? Is it being a realtor? Are you a broker? Describe it for me.

I could see myself starting out as a real estate agent and then in time, you know, getting rental property that I own and rent out, and that becoming my main thing. But starting out as a real estate agent to kind of learn the business. That's the clear path for you. So I'm not worried about the fact that you went to school to be an engineer and got an engineering degree. You know what you love to do. I think there's a lot of transferable skills and talents. I like the way engineers think.

I don't think like an engineer. And I've got some great friends and close personal friends who I love the way they think. They think differently than me. So I just think that's very transferable. So the issue is not should I try to find a business that fits my degree? It's what business do I want to run? And you know what you want to do. And it's leading you to a future that you're very excited about. So go for it. Absolutely go for it. And let me give you, I want to give you some direction.

I want you to look up one of my good friends. His name is Brian Buffini. B-U-F-F-I-N-I. Brian Buffini. BrianBuffini.com. He's the Dave Ramsey of real estate training. He's awesome. He and Dave

are friends, super guy. And if you want to be a successful realtor, this guy's trained more successful realtors than anybody in America. And I recommend people for my show all the time. If you're getting into real estate, go to his events, gobble up everything he's doing. And I would say the same other webinars. Then I want you to also go sit down with somebody who is a successful realtor in your area. You don't even have to know them, but if they've been a successful realtor for somebody you know, say, hey, will you introduce me to them? Sit down with them and say, what's the path to being successful in real estate? That's one of those valuable things that you can ever do. Talk to somebody who's winning in the space that you want to win in.

This is The Dave Ramsey Show, our career theme hour. I'm Ken Coleman, sitting in for Dave Ramsey. More of the show right around the corner. Okay, I need you to listen to this. Because one normal routine that everyone does can cause total chaos in your life. I'm talking about the simple act of using Wi-Fi.

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Download it right now. Just search Hotspot Shield on iTunes or Google Play or go to hotspotshield.com. You can be secure in seconds. Download Hotspot Shield by Anchor Free today. Welcome back to America. You are joining the conversation here on the Dave Ramsey Show. It is our career-themed hour.

I'm Ken Coleman. Thrilled and honored to be sitting in for Dave Ramsey this hour. If you've got a question about your career, if you feel stuck, confused, scared, have absolutely no idea where you want to go, we're here for you. It's a free call, 888-825-5225, 888-825-5225. I was on the program with Dave last week, and we launched a new resource. The team that I get to work with is amazing, and we got together and we came up with what I believe is a resource that will help you tremendously. And it's based on what I believe is an absolute truth

that your resume is completely worthless without a relationship. Meaning, if you're submitting a resume and you don't know somebody at the organization that you want to be hired at, you're really playing the lottery. It's a complete lottery play. We know from data that the average hiring

manager spends somewhere between six and 60 seconds looking at your resume. So what we've done is create a wonderful free resource. You can get it at KenColemanShow.com. Thousands upon thousands of Dave Ramsey Show listeners jumped on it when I was on with Dave last week. I wanted to tell you about it. It's called How to Write the Perfect Resume. Five ways to fix your resume and land your dream job. It's a 15-page short, sweet PDF that explains why your resume needs to be flipped. We flip it upside down,

and we give you five very clear sections of the resume all on one page. Why do we do this? It's based on data. It's based on what really works. So go check it out. KenColemanShow.com, how to write the perfect resume, and it's right there on the home page.

You don't even have to scroll down. Go get that. We're already hearing back from people who are getting interviews as a result of using the resume. Really, really proud of it. So go check that out. 888-825-5225, the number to jump in right now. We go back to the phones.

Julian is on the line in Raleigh, North Carolina. How can I help, Julian? Hey, Tim. Thanks for taking my call. Absolutely. What's going on? Yeah, so I was hoping to get some advice from you about, you know, building my brand, marketing myself, and really just networking and getting out there a little bit.

Okay. What specifically do you have to ask? Yeah, so I'm in a position now, I do technical sales for a software company, and I really enjoy it. It's a lot of sort of a mixed bag of activities and things that I have to do. But it's really not the vertical I want to be in. What I really enjoy doing is security and cybersecurity. Okay.

But what I'm finding is, you know, for the jobs that I are interested in that wouldn't require me to take a massive pay cut, need, you know, 10, 15 years of experience, which I don't have. And I do have a technical background. So basically the advice I got from some folks who have been in the industry for a while is basically just, you know, get out there, network, brand, and, you know, sort of build up your own sort of, you know, brand. And then that's a way to get into those positions without having necessarily all the experience.

But I'm not really sure where to start. Right. Well, I love the advice you got, because they're right. When somebody is telling you or you're seeing on a job post that you need X amount of experience or that they prefer X amount of experience that you don't have, but you know you've got the chops. In other words, you've got the skills. You can do it.

The way you leapfrog that requirement of experience is all through relationships. I was just talking about it with this resume resource that I've launched. So those people who gave you that advice are absolutely right. So if you're saying you don't know where to start, you actually do know where to start. It's just kind of scary. And I think that you need to know going into this that there's two things that are going to hold you back in this process. Number one, fear. Fear of rejection of saying, hey, can I meet with you? Are you willing to mentor me or whatever and somebody's saying no. There is the fear of failing, just simply putting yourself out there and feeling like it's not happening fast enough and then we quit when we don't have results. And then I would say pride because it's tough to ask for help.

And you're in a situation where you're relying completely on relationships. So where you start is actually where you've already been. I would go back to those people who you got advice from and say, hey, I think you're right. I'm going to take your advice. Who do you know? Or who do you know that knows somebody that's in the cybersecurity game? Because I want to go sit with them.

The other thing I would try to do is after you build a list of people that you need to get connected with, just for simple, I'm going to sit down with them and I'm going to ask them, what can I be doing on my own time from a standpoint of education and actual experience, getting in and trying some things. Get a list from them, what you need to be doing. And then say, can I do some of that for you? And then look for other opportunities outside of those relationships to just start doing some type of cybersecurity part-time.

If you do that, Julian, I'm telling you, you can do what they said, which is just kind of leapfrog, hopscotch right through that whole experience game. But you've got to show people that you've got the chops. And the way to do that is through relationships first, which will give you opportunities to do some of it part-time. The other thing is what's out there? What's out there on the web where you can go get certifications and things of that nature, which, again, they help market you.

There's always something you can be doing, always something you can be learning. What am I learning? What am I doing? That's the question you ask yourself every morning because the doing is who am I connecting with? They're going to keep giving you advice, other resources, things that you can learn, and that's how you move up. I really am excited about where you're headed. Just move and keep moving. Don't stop. Don't get afraid of anything. Next, let's go to Elaine, who's on the line in New Orleans. Elaine, how can I help?

Hi. I'm retired with the state, and I'm 57. And after retirement, I don't know. I never found what I really like to do or what my passion is. So I'm kind of lost on where I go from here. Sure. Well, this is a classic place that a lot of people are in. And there's a couple of questions I'm going to ask you. And if you know the answers, you can blurt them out.

I don't want you to overthink this. I want you to feel these answers. And again, if you don't have the answers, Elaine, this is a great homework assignment. But there's three questions that help people begin to uncover what is my passion. And let's define that real quick for you and for the audience. Passion speaks to what work I love to do. Talent speaks to what I do very well. My skills, my strengths, certain functions I do very, very well. Passion is what I love to do. So let me ask you three questions real quick, same basic question, but a different way of looking at it. Number one, who do you most want to help? Number two, what problem or problems do you most want to solve?

You get excited about being a part of the solution there to that problem. And then the other way of saying it is, what are the solutions that I am really jazzed about? It could be a product or a service, and it's a solution. So when I ask you those questions, what pops to the top of your mind? I don't know. Nothing at all. You've never wondered about a type of work or people that you would love to help or a problem that you would love to solve. You've never dreamed about a type of work or people that you would love to help or a problem that you would love to solve.

You've never dreamed of an idea. What would be, what could be, what should be? That's never crossed your mind at all? Yeah, but I always come up with a blank. Well, no, if it's crossed your mind, you've thought of something. What moves you? What stories, what subjects do you find yourself interested in? Even if you take yourself back to elementary school, middle school, high school, college age,

what do you enjoy being involved in, doing? What work brings you joy? I don't know. I guess I'll have to think about those answers. Okay, so here's the process. And see, you're in a place where something's going on in your head and heart. You've got some limiting

beliefs. I don't know what they are. But there's something that's happened in your life where you feel like, I just don't know what I'm interested in at all. And that's a feeling. It's not a fact. So I want you to go back and write down, what work do I enjoy?

When I'm engaged in this work, I've always enjoyed it. I find that time seems to slip away. You do have something like that. Then I want you to go take that list. Go take that list of people who know you best. And they become a great sounding board to verify what I think you know, but you're unsure. You're insecure. I don't know what's going on there.

But go get that feedback and then restart that process. This is the Dave Ramsey Show. I get asked all the time, when in the baby steps is the right time to buy life insurance? My answer is typically now. Life insurance is not part of the baby steps because it's needed when your family has debt and not enough savings to provide for their financial needs. That's when they're at the highest risk. And no matter where you are in your baby steps, it's a necessity, not a choice. This includes working husbands and wives, as well as stay-at-home parents.

It's pretty expensive to replace those stay-at-home parent responsibilities. I only recommend term life insurance, since it's the most affordable way to get the right amount of coverage and not break your budget. Go to Zander.com or call 800-356-4282. These are the guys I personally use. Term life insurance is inexpensive, and your family needs this no matter where you are in your baby steps. That's Zander.com or call 800-356-4282. Zander.com.

This is the Dave Ramsey Show where America hangs out to talk about your life and your money. I'm Ken Coleman sitting in for Dave Ramsey this hour. It is our career theme hour. You're going, okay, appreciate that, Ken. Who are you? Thank you for asking. I am a frequent guest host for Dave. I also host the Ken Coleman Show on SiriusXM Channel 132,

which leads into Dave on SiriusXM. We have our own four-hour block of content every day on Channel 132. It's the Triumph Channel, and I'm thrilled to be sitting in for Dave this hour. So it's all about your career. Are you feeling stuck, confused, scared? It's okay. There's a lot of you. Sixty-eight percent of American workers are disengaged.

This from a Gallup poll of last year, 2017. It came out in May. And that's not cool. As my good friend Chris Hogan would say, that's not okay. I just can't say it as loud and as strong and effectively as he can. And so that's what we're committed to, not only on the Ken Coleman Show,

but here in our career hour. 888-825-5225 is the number. We go to Bethany, who's on the line in Los Angeles. Bethany, how can I help? Hi, Ken. Thank you so much for taking my call today. Sure. So I currently work in retail management. I'm a new mom and

so more and more I'm now considering the fact that I'm going to have to be away from my son for major holidays and events. So I know I love training and developing, especially as it comes to leaders, helping other people, whether they're stuck in their business or in their life.

So I'm thinking I want to make a career change to possibly HR or even business consulting, but my degree is in business management with a concentration in tourism entertainment. So I know I need to make about the same amount of money because we're trying to finish up baby step number two. So in your experience, is it possible to make that jump? Do I need to make about the same amount of money because we're trying to finish up baby step number two. So in your experience, is it possible to make that jump?

Do I need to stay in my job until we finish the baby step number two, or do I go back to school to try and get the appropriate degree? Okay, yeah, you hit me with a lot of questions there. Sorry. No, no, no. Here's what it is. You need to stay in your job until you have another job to step into. So it's yes, but only until you have something else to step into. You don't have to stay in it just for the sake of staying in it because you're in the

baby step process. People move jobs all the time in the baby step process. In fact, we see a debt-free scream all the time here on the Dave Ramsey Show. It feels like, James, almost every time we've got the debt-free screamer says, I made more money over the process of getting debt-free. So you can move jobs and make more money. That's fine. Don't confine yourself because you're in the discipline process

of walking through the baby steps. So that's the first question. The second thing is, I don't think you have to go back to school. I think that's a terrible idea because you're very qualified. If you want to get in HR where you're training people and pouring into people, or you mentioned, what was the other part of that? It wasn't just HR. There was another part of the process.

Consulting. Consulting. Okay. So you have experience leading people in sales. That's really valuable. You're really good at it. And I would almost challenge you to even consider what if you got into sales leadership in a corporate or small business environment where you didn't have to work those crazy holiday

hours. I know what you're talking about. Yeah. So you love what you're doing. I think you're kind of doing the. So you love what you're doing. I think you're kind of doing the right thing, but maybe in the wrong place because it's really infringing on your family values. Am I right? Correct.

So I think I'd add a third bucket. Stay in sales leadership. Okay, consider that at least as part of your homework. And then consider HR, jumping into HR. You don't have to get a degree in HR to be in HR. You just don't. That's a complete myth. And then in consulting, here's the deal in consulting.

I try to hold people back from consulting because you have to create a real value proposition for other businesses to say, I'm going to pay you to come in and look at my house and tell me what I'm doing wrong. And so that's a different path. I'm not saying you shouldn't pursue it, but I think that you've got a real nice, I think you've got three great options there, but I would consider sales and I would not hold yourself up from pursuing an HR position. You have trained salespeople. You've led salespeople. That's enough experience. Anybody who has got some brains at all is going to look at you for your skills and transferable

skills. Folks, this is an important point, and I'm glad Bethany brought it up. I'm just going to mention this. Don't assume that you always have got to go back to college to make a move. In fact, most times you don't. Now you just think about how much time and money that's going to save you if you realize that truth. Do I have transferable skills? Can I get the qualifications in other ways that don't require college? I'm not anti-college. I'm just saying unless it's necessary, don't even consider it.

So start with, a lot of people call my show and they'll say, Ken, don't you need to go to college? And I'll say, have you looked into it? No. You just assume that if you're going to make a change, you've got to go to college. Start with, do I need more education in the form of a college degree to get where I want to go? That's the starting question. If you start with that, now you're off and running.

This is the Dave Ramsey Show. I'm Ken Coleman sitting in for Dave. This is our Career Theme Hour, 888-825-5225, taking your calls about your career. Let's go to Fernando, who's on the line in Denver. Fernando, how can I help? Thank you for taking my call, Ken. I just graduated from college this last May,

and I'm trying to get into consulting, and I'm just having some trouble getting into consulting. I previously had an internship at a CPA firm doing tax returns, but I didn't like the finished work. I wanted to create a volume some way. Okay. If that makes sense. Okay, yeah, it does.

Let's dream a little bit. If you could consult on anything for anybody, what does that consulting look like? Describe it. I would say in a sense of business consulting, helping businesses grow, be more efficient and effective. Okay, be more detailed. I'm with you. I'm tracking. Take it deeper.

If you want to help businesses grow and help businesses be more efficient, how are you going to do that? What are you looking at to help them? I would say in the sense of understanding the procedures of the business and understanding and implementing better procedures to making the business grow efficiently internally. Okay, good. Now, the reason I asked you that question, Fernando, is you need to write that down. Like as soon as we hang up.

Write down the 5, 10-year, 15-year, 20-year vision of, if I could get paid great money consulting businesses, this is what I would do. This is the problems that I would attack. That's what a consultant in the business world does. But let me challenge you for a moment. I had a call like this just the other day. You're just out of school, Fernando. I don't want to hire somebody who's not done anything. You've not done anything.

You've gone to school. You interned as a CPA. So you have little to zero experience. If I'm a business owner or a business leader, I do not want to hire somebody to consult me on something they've never done before. So I love that you know where you want to go. Here's what your path looks like over the next five years. You need to go get in a good corporation or a good small business. Start being a CPA because that's what you got your degree or your focus in. Just get in the numbers and get in processes.

Get in the back end operation side of the business. Get really good at that and move up the ladder in that space. So that five years from now, you've got a resume that's based on a track record of this guy came in right out of college he jumped in he he changed this he changed this he's really good he moved up the ladder maybe you get recruited to go somewhere else but now when you offer your consulting services you're coming in with a track record of wins. You will starve, folks, if you try to go into consulting and you don't have a track record of wins. Think about it.

You want to be a football program? You want to hire a coach who's never had a winning season as a consultant? No! I want somebody who's won on a consistent basis. 888-825-5225 is the number. I'm Ken Coleman sitting in for Dave Ramsey. It's the Career Theme Hour on The Dave Ramsey Show. Don't go anywhere.

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I'm Ken Coleman sitting in for Dave. Thrilled to have you aboard. 888-825-5225 is the number to join the conversation. 888-825-5225. You can take control of your money. I promise you. You just need the right steps, and you can learn these steps

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With a Financial Peace University membership, we will walk you through the seven baby steps and give you everything you need to work through each step with confidence. Nine video lessons. Encouragement and support from other people who are walking through similar situations or have walked through what you are trying to walk through. Financial coaching help and tools to apply all of this to your life. Start your Financial Peace University membership today by visiting DaveRamsey.com or call 888-22-PIECE. That's 888-22-PIECE or go to DaveRamsey.com. I can't endorse it enough. My wife and I have taught a couple classes.

We've been through it. Financial Peace University really works. 888-825-5225. It is our career hour on The Dave Ramsey Show. I'm Ken Coleman. We go next to, let's go to Ivan, who's on the line in San Antonio. Ivan, how can I help? Hi, good afternoon.

I'm calling because I am thinking about going back to school. Actually, I already enrolled at a community college. I plan to get an engineering degree in mechanical engineering. My question to you is, I'm going back now as a single parent, and my question is what do I need to look out for as far as what traps not to fall into and basically make sure that I complete my degree this time around? Yeah, I think it's all about how much is this going to cost me? How much is this going to cost?

This is obviously the simple budget question, and I'm not telling you to answer it to me right now, but this is what you need to be asking, to not fall into traps and fall off this path. And the way you do it is say, all right, what's this going to cost me? First, the number, the financial number, what the classes itself are going to cost. Then what's it going to cost me in my time?

I'm a single parent, you know, so where am I going to have to make some sacrifices? If I'm working full time, I'm going to community college, I'm guessing part-time, is that right? Yes, sir. So you've got a full-time job, you've got a part-time education plan, you've got kids, and whatever other responsibilities are in your life. You're going to have to sacrifice something. I would not sacrifice my family. I't do it it's not negotiable to me and and so that means if you gonna if you're gonna have to take a little bit longer to go to

school it's going to take longer then that's what you've got to do uh you know what financial sacrifices are you willing to make so that you you're not sacrificing family time, you can do more faster? So two rules of thumb type questions for you. How much is this going to cost me? Not just financial cost, but relational cost. And then how long is it going to take based on that financial number and then that quantity of time towards my family, my church, volunteer activities, whatever else is important to you.

If you ask those questions, it's going to reveal your North Star, your riverbanks, and it'll keep you going and it'll keep you motivated because even if it takes you a little longer than you thought or than you want it to take, if you don't sacrifice family and you don't put yourself behind the eight ball financially, that in and of itself is a lot of momentum, a lot of juice to keep you going. 888-825-5225 is the number to jump in. Let's go to Chuck, who's in Kansas City. Chuck, how can I help?

No, I'm in, actually, I'm in Salina. Okay, great. That works. How can I help? Okay. Hey, I'm in, actually, I'm in Salina. Okay, great. That works. How can I help? Okay. Hey, I got a question. I'm just about ready to be 50 next year, and I've got three years of college. I've always wanted to be, I've had two jobs that, or one job that I've wanted,

I always did, and that was in the Army, and I'm medically retired from the Army. And the other one was I wanted to be a teacher. Well, I'm a high school wrestling coach, and I substitute all the time, and that just got me to thinking, you know, go back to school, dummy, and be a teacher. But I'm kind of scared or nervous about actually going back to school whether you know going full-time or just you know taking a class here and there at our local college what are you scared of tell me specifically what is your fear and don't be ashamed of it this is a really going back to school yeah but i get it but what are you afraid of that you can't do it you can't pass the courses

oh no no no it's not that it's just i guess just you know manning up and taking the jump and doing it i guess yeah but you're afraid of something what are you afraid of you afraid of what other people are going to say you afraid of not actually being able to do it no i don't care what people say i guess i maybe maybe i'm you told me you told me you were afraid and now you're like nah you're john wayne all of a sudden what are you afraid of i guess probably it's a it's a fear of probably just going back maybe and here's what it is maybe not making it yeah see there now okay now there's a little bit of fear. Maybe I can't do it. I think there's also just a fear of change.

One of the greatest fears that human beings have is the fear of the unknown. Not fear of risk. If I tell you, okay, if you go do this, let's say it's some type of physical activity, and I say, now there's a chance that this might happen, this might happen, and this might happen. And so I tell you all your risk. You know all the risk, and then you can assess it and say, all right, I'm good with that.

But if you don't know what could happen, that's what freaks us out. I think that's what you're afraid of. You're afraid of change. You're almost 50, and I think you've got some self-doubt. And doubt is the cousin to fear. Doubt is the cousin to fear doubt is the cousin to fear it's not fear but it lives in the same place as fear and both doubt and fear are not facts they're feelings and you're struggling with your feelings when in all reality you've got three years of a college education already knocked out so theoretically you've got about another year of credits to knock out to be qualified to become a

full-time teacher. Yes or no? Right. Dude, that's doable. You're already a wrestling coach. You substitute part-time. If in fact you know that you know that you know that you want to be a teacher, dude,

attack this. You're so close. So name your fears. You kind of admitted them to me a little bit, but name the fear. And once you name the fear, here's what happens. It's like I'm a parent. I've got three kids. When they were little, just like all the parents that are listening in right now

and the parents that are in the lobby, at some point your kid said, Mom, Dad, come upstairs. I think there's something in the closet. Or there's a monster under the bed. And we as parents roll our eyes and we walk up there and we go, okay, you know, I've got to go through this routine. There's nothing under your bed. No, Daddy, I really think there's something under the bed.

Okay. So we walk in and we flip the lights on, right? Open up the closet door and show them that there's not a monster in there. Or we get down on our hands and knees and we look under the bed and we show our children there's nothing under the bed. All of a sudden, what happens? The kid goes from

terrified to relief washes over their body. It's a literally, folks, it's a physical change. You can see it. So in that situation, fear is not a fact. It's a feeling. And once that you expose the fear as what it is, which is it's not true, you shine the light of truth on it, then it goes away.

So for you, sir, Chuck, I mean, look, you can do it. You're a sharp guy. You're a smart guy. So whatever that fear is, I don't know if I can do it. You're a sharp guy. You're a smart guy. So whatever that fear is, I don't know if I can do it. Yes, you can. And so now that you know you can, that fear should dissipate and you go, hey, I'm going after this thing and I'm going to be a full-time teacher and a wrestling coach and turn in 50 and it's a whole new season of your life pouring into young men and maybe being the one influence in their life that changed the trajectory

of their life how about that start focusing on why you love teaching and where you're going to get to when you put in a year's time to get that degree that's what it's about folks for many of you out there you're in a similar situation as chuck you know what you want to do but you're scared to death to go after it because you don't know how it's going to end up. Well, go get the truth. Go get the facts. Put a plan together, and that takes away the fear.

I am Ken Coleman. Thrilled to be sitting in for Dave Ramsey this hour, our career theme hour. I want to thank our producer, James Childs, our associate producer, Kelly Daniel, and you, America. We do the show for you. Thank you for listening in. This is The Dave Ramsey Show. Hey, guys, this is James Childs, producer of The Dave Ramsey Show.

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