The Ramsey Show - App - We Live in My Boyfriend's Mother's Basement (Hour 3)

Episode Date: April 27, 2021

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Music Music Live from the headquarters of Ramsey Solutions, broadcasting from the Dollar Car Rental Studios, it's the Ramsey Show, where debt is dumb, cash is king, and the paid off home mortgage has taken the place of the BMW as the status symbol of choice. I'm Dave Ramsey, your host, Ken Coleman, host of the Ken Coleman Show. Ramsey Personality is my co-host today. Open phones at 888-825-5225. That's 888-825-5225. Listen, tonight is the Get Hired event, Tuesday the 27th of April. Ken Coleman will be doing a live stream event teaching you the seven-step path to your dream job.

The seven things you need to do to get to your dream job, get hired. This economy is heating back up after COVID. The competition is picking up for the jobs, and people are stepping out. And it's time to get into a position of something that you love, and Ken can help you do that. It's only $30 for the live stream. Text the word HIRED to 33789. It starts in a matter of about four hours from right now, 7 Central, 8 Eastern. Text HIRED to 33789, get you a $30 ticket, and get hired.

It's going to be awesome. It's going to be a lot of fun, Dave. Live crowd in our gorgeous lobby here at Ramsey Solutions World Headquarters, and, of course, people tuning in wherever they have a device and an Internet signal. So it's going to be a lot of fun. We're going to give you the edge to win tonight. Don't forget, you're trying to convince employers that you can help them win. And if they're looking at multiple people, it is a competition.

I don't care if you want to look at it that way or not. That's the fact. We're going to teach you how to win. Yeah. And there are some things you do to get hired. That's exactly right. There's a strategy involved. These are practical steps. That's exactly right. There's a strategy involved. These are practical steps.

This isn't mindset. This is, I've got to do this so that I get the opportunity to be interviewed. And when I get interviewed, how do I win that interview? And this is for those of you that have realized that filling out one application among 10,000 people is not working for you. Oh, yeah. Yeah. The days of going on LinkedIn and firing 50 resumes and sitting back and waiting for the results are long since over. You're now getting AI, artificial intelligence,

is looking at keywords in your resume most of the time. You're not even getting a human to look at it initially. That's if you're lucky. If you're lucky, you're right. You may just get buried in a pile. We'll have about 30,000 applications come in this year for 300 jobs. Wow. We're going to hire 300 people this year, and we'll have about 30,000 come in this year for 300 jobs we're going to hire 300 people this year and we'll have about 30 000 applications we don't have ai that's true and that simply means you are going to be stuck in the pile if you don't do something to get your resume out that stinking pile yeah and ken can show you how to do that for ramsey he can show you how to do that for a lot of people and uh and so uh you know there is a series of common sense steps here that he's going to walk you through. So text HIRED to 33789.

Text HIRED to 33789. Emma is with us in Dallas to start off this hour. Hey, Emma, how are you? Hi, thank you so much for taking my call. I'm great. How are you? Better than I deserve. How can we help?

My husband and I are currently on baby step number two. We need to buy a second car, though, so that way I can go back to work in office. I have been working from home since COVID, and they're now wanting us to go back. So we need to get a second car. Okay. We have $10,000 in savings right now. So my question is, should we put our saving towards our debt or buying a second car okay we have ten thousand dollars in savings right now so my question is should we put our saving towards our debt or buying a used car oh so you're not really in

baby step two you're working your own plan well i'm trying to be in baby step two i'm just trying to figure out what baby step one is what what is baby step one? Saving $1,000. And everything above that goes on your debt? Right. So you didn't do that? Well, we just got married, so the $10,000 came from our wedding. When did you get married? In February. Okay.

Yeah, and this is April. Right. So you're going to have to decide what you're going to do here, okay? So what would I do? I'd go buy a $2,000 car. I would put $7,000 on my debt and I have $1,000 in the account, and I would do that by Friday. Are you going to do that?

Sure, absolutely. I mean, I just want to make sure that I'm doing the right thing about the used car. I don't want to buy something brand new either. And I also have a $23,000 in car. Well, you can't buy anything brand new for $2,000. I'm sorry? You can't buy anything brand new for $2,000. You don't have that problem.

Oh, I know, I know. I'm saying that I have a car loan that has $23,000 on it, so I'm wondering if I should trade in my car also at the same time. Oh, you, okay. That's a different part of the question that i didn't know anything about until just now you said you needed to go buy a car and you had ten thousand dollars we need two cars and you have one of them's 23 so the 23 000 car is is that the loan amount or is that what it's worth that's the loan amount what's the car it's worth? That's the loan amount. What's the car worth? From Kelly Blue Book, around $25,000.

So it's worth more than you owe on it? Yes. And what's your household income? About $45,000 between the both of us. Yeah, you need to sell that car. You don't need a $23,000 car when you make $40,000. You have too much tied up in car. $25,000 car. So yeah, sell that car. Oh, there's a $23,000 car when you make $40,000. You have too much tied up in car. $25,000 car. So yeah sell that car and oh there's the $2,000

you can buy a car for $2,000 when you sell that car and have $2,000 extra in your pocket if you pay the loan off right? Right. Oh wait a minute we got to buy two cars now. But you get two $2,000 cars. Okay so you get one you know go buy two $2,000 two two through two go buy two cars that are worth anywhere from $2,000 to $3,000 out of this scenario and put the rest of it down to $1,000 on debt, and you're driving a couple of beaters. Now, your rule of thumb is you do not want to own vehicles that equal more than half your annual income, all your vehicles added together.

Because vehicles go down in value, all of them, and if you have too much tied up in things going down in value, you can't win. Okay, gotcha. So I'm going to get into two $3,000 cars. How much debt do you have? $65,000 total, $23,000 of that is car loans, and $42,000 is student debt. Okay, and then I'm going to plow through these student loans. When the student loans are gone, I'm going to build my emergency fund of three to six months of expenses.

I'm immediately following that going to save and move up in both cars and get you a couple of cars that when you add the value of the two cars together after all this is done, it's still not more than half your annual income and you pay cash for them. Okay. That sounds great. Thank you so much. So you're going to drive these two cars that are worth $2,000 or $3,000 for about two to three years, is what it sounds like to me. That's about how long you're going to drive them, but not for the rest of your life,

just for a period of time to be able to get yourself dialed in here. So, hey, thank you for calling. Open phones at 888-825-5225. So when you give the seven steps to the seven path, seven things you need to do, the path to your dream job tonight, those are in order. Yes. You must, just like anything else, think of it as a climb. And so we've got to get to this stage, if you will,

and then once we're there, then we're prepared and we're moving on to the next. They all work together. I must get clear first so that I know exactly the type of work that I really want to do. And then I can say, what does it take to get qualified? Then I must get qualified before I ever get the chance to actually do the work. And I'm getting connected while I'm getting qualified. Because I can actually, while I'm getting prepared, I can be making connections so that when I'm ready, doors are open.

And they're in order. Always in order. Our baby steps are in order over in financial peace, too. Kind of works that way. That's why they call it number two. It comes after number one. This is The Ramsey Show. Your number one wealth building tool is your income.

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to 33789 lauren's with us in richmond virginia hi lauren welcome to the ramsey show hi dave thank you so much for taking my call god bless you i love what you do thank you love what you do how can we help Love what you do. How can we help? We are a happily married couple, 25 years, just about to be empty nesters. And we feel like we have missed the financial boat, so to speak. We started out ready to invest around 2001 when the tech crash happened. And so we didn't invest in the stock market and things like that because we're concerned. We were just saved up enough money and we're getting ready to invest when the 2008 real estate crash happened. And again, we pulled back and did not invest.

So we just stayed put and we just kept saving. And now all we hear is cash is trash and uh the american dollar is in trouble um and we don't we feel like we have missed the boat and we're concerned now uh that maybe we missed a way to help us retire how much do you have in savings $2 million. Okay. I'm absolutely amazed. And so all of this money is just money you put in there because you've never really made any money on your money. No, we've hardly made any. We have self-laddered CDs and done some bonds.

Basically, your rates of return have sucked and you still got the $2 million. And you're still afraid? To invest? Yes. Okay, but you have $2 million. So how did you miss the boat? How big a boat were you wanting to get on? I was going to say, that's a great boat.

Okay, but we don't know. Now that our kids' stuff has been paid for, college and things like that. We just never took any time to do anything or plan for us as much as just keep our head down and work hard. And now we've picked our head up. But what boat did you miss? You missed out on a bunch of returns that you could have had four or six million instead of two million, but you still have two million dollars, so I don't think we can really cry a river here. Okay, but when you say four or six million, that makes me really sad, but there's no way to fix the past.

No, all you can do is think about the future, okay? So let me parrot back to you what you said to me. Mm-hmm. Every time you got up the courage to invest, you found a negative story somewhere that caused you to not do it. Fear. Yes. Yes. And now your new fear is the American dollar is going to pot. That's your latest one.

Yes. That's your latest one. Yes. And have you noticed that your other two fears didn't come true yes i don't like roller coasters maybe that's the problem yeah but the roller coaster even the even with the roller coaster it you wouldn't have lost all your money you would not have been broken homeless uh that the 2008 real estate crash actually had almost i mean in the stock market crash it came back and you know went all the way down to 6300 and it's at 30 000

down today and so you know you missed out on all of that yeah it's a ride but you know you're going to either uh not have you know if you had ridden the roller coaster, you know, you might have had $8 million. Yep. And so even if the roller coaster screws up, it's got to really screw up to end up with nothing. You follow? Yes. And so I don't think that, I personally am not of the belief that America is coming to an end. She's got her problems.

We have a whole truckload of idiots on both sides of the aisle in D.C. And thank God it is not up to them. It's up to people like you and me out here that actually get things done as to how this nation runs and whether this nation works and whether we learn to treat each other with some respect out here uh and so you know this all this craziness on the news cycle is just out of it's just nutty everywhere so but all of that said i don't think that i well i'm 60 i'm older than you, and I have 100% of my retirement in mutual funds and a whole bunch of our wealth more than that in real estate that I paid cash for. Because I think in both cases, they are going to go up in value dramatically more than CDs will go up.

Now, are they going to go straight up? No, they go up and they go down. They go up and they go down they go up and they go down and can you stand the ride so let me give you an exercise or two okay because here's the thing okay there's two kinds of fear there's fear that keeps you from touching a hot stove or playing in traffic because those things will get you hurt that's good fear it protects you The other fear is false evidence appearing real. And that's the fear you've been operating on. And I know that because, for instance, if you will pull up, just go visit with one of our SmartVestor pros and ask them to show you some examples. Don't buy anything.

Just go over there and start to learn. Ask them to show you examples of during these very volatile times, what did Mutual Fund A, Mutual Fund B, and Mutual Fund C do? And follow what they did and say, okay, had I invested in that through what I feel like were very turbulent times, I don't like roller coasters. Quote, here's the roller coaster ride i would have signed up for i think you perceive it to be the world's tallest coaster and you're going to go oh that's kind of like the kiddie park when you actually look at the actual history and the actual math listen i don't like starting over i went broke I don't want to start over. So I'm not investing in stuff that's high risk either. You know, I don't like extreme volatility. I don't like high risk. I don't personally invest in any of those kinds of things. So I don't have money in Bitcoin. I don't play the roulette wheel in Vegas. I don't run up a bunch of

debt trying to make money. I do very low risk stuff. And so I think you need to learn about the historical data on some actual real mutual funds and you will be amazed at how much less the risk was than your emotions are perceiving it and i think that'll help set you free because here's the deal. You're going to be fine. You got $2 million. You're going to be fine. Congratulations. You're amazing. That was an amazing task that you've accomplished. But if you keep in mind this, if it's invested at 10% rate of return instead of one, it's going to double every seven years. So when you're 64, you're going to have go 2 to 4 to 8.

Oh, and when you're 71, it's 16. If it's at 1%, it's not even going to go up a million dollars between now and 74, 71. So you're either going to have 2 million or 16 million between now and early 70s, depending on how much you're willing to learn. And if you learn to drive a car, then driving a car is not scary. But otherwise, they make loud noises, and people honk the horns on them, and the wheels screech, and they're really scary until you learn how to drive them. So I'm never going to learn how to drive a car.

That's false evidence appearing real. Any closing thoughts? I think it's absolutely, well, because it was just a fascinating study in psychology there. And these are people that are so disciplined and they're the ones that are worried about doing something stupid. I would just say to her, I don't think you guys could possibly do anything dumb if you go do your homework and actually learn about it. By the very nature of what they've been able to amass

with sheer discipline. It was amazing. I mean, their money didn't work for them. They put all that $2 million in there. You're not going to do anything dumb at all. Yeah, the chances of you doing something extremely stupid are very, very low. This is the Ramsey Show. Thank you for joining us, America.

The Get Hired event is in just a couple of hours at 7 p.m. Central, 8 p.m. Eastern tonight. It's a live stream with Ken Coleman. Text the word HIRED to 33789 for your $30 ticket, and you will learn the steps to get hired. Emily is with us. Emily is in Boulder, Colorado. Hi, Emily. How are you? Hi, good.

How's it going? Better than I deserve. What's up? So I have a couple questions. I'm actually headed to sell my car right now, so I'm going to try to make it as quick as I can, maybe get to the second one. But the first one, sorry, my voice is shaking so much. his mother's basement and we are we were planning to have enough money saved up to be able to move into an apartment in July um however with the relationship to his mother she's now wanting us out sooner um she's generously offered to pay for us to do so. But because of the relationship dynamic, I'm just a little unsure whether or not to take her up on her offer. So one option is for her to just pay the first couple months rent.

And the other option that she suggested was for her to buy a property and us to essentially pay the mortgage or to basically rent to own. Okay. How old are you? I am 30 and my boyfriend is 27. Okay. So you're my kid's age. Mm-hmm. And so I'm going to pretend like you and I know each other better than we do

and that I care deeply about your future. Okay? Mm-hmm. Mm-hmm. And because I do actually care deeply about your future, but you and I don't know each other that well. You've listened to me on the radio, and I've talked to you for a minute and a half. All the time.

We listen to you every day religiously. Yeah. And so if you've listened a lot, you probably have come across the call where I tell people not to buy properties or rent properties with people they're not married to. Have you heard that before? Yes. So it would not come as a surprise to you that I would suggest to you that this is ludicrous. It's a bad idea.

The one where she buys a house and wants you to be involved in buying it with her son and you're not married to him is like about one of the craziest dumbest things you could possibly ever sign up for please god don't do that okay okay there's so many things wrong in this transaction legally relationally financially yeah there's just there's this is all dumb please don't do that and these are good people trying to do a good thing a bad way sure so um yeah it is if she uh wants her son to move out of her basement uh and she wants to help him get an apartment, is she just going to give him some money to do that? Yeah, I haven't been involved in any of their conversations, but basically what I understand is that she has a certain amount of money

that she was willing to give us for an apartment. We did find one, but we were going over the lease agreement and just realized that it was a really bad decision. There was, like, pretty much all the liability was on us, so we backed out of it last minute, which is now why they are both considering this other option of purchasing a property altogether. You just didn't find an apartment yet. And, you know, here's what i would suggest you do okay and and i i i know i'm asking a real hard turn from where you guys plans are so i don't know how successful i'll be in what

i'm asking but my motivation is pure and my uh experience is um 30 years of talking to people like you okay so he should go get an apartment in his name period and if his mommy wants to give him some money to get out of her basement that's between him and her you should not be on the lease with someone that you're not married to and you certainly shouldn't be in a rent to own someone that you're not married to, and you certainly shouldn't be in a rent-to-own with someone you're not married to. If you choose to shack up with him and move in to his apartment that the lease is in his name, that's certainly your choice. I would recommend against that, but I doubt I'm going to get that far. If I can get you far enough that you're at least not signed on documents with the guy you're not married to,

we're at least making some headway for protecting you. Okay. Because if y'all break up, no, let me try this. When you break up and you're both on the lease, do you know how hard this is going to be legally? Because the apartment complex is not going to let either one of you off. Somebody's going to be in there not paying it, and the other one's getting screwed. Yep.

Please don't be on a lease with someone you're not married to. Please do not buy a house from his mother on a lent to own with someone you're not married to. You set yourself up legally legally not only relationally and we can talk about morally and spiritually if you want to but i mean all of these other things you're just setting yourself up for all kinds of problems honey and i just i want you to win yeah it was a little scary to to me but i just wanted to hear that from somebody else because we've been getting conflicting advice from his parents and my parents. And I know ultimately it doesn't matter.

Does what I'm saying make sense to you? Yeah. No, it definitely does. Okay. I'll just add this very quickly. Dave gave you a really great dad perspective. And I'm just going to tell you, if I had your boyfriend on the line, you've mentioned twice that there's some tension. That's me kind of pulling that out, but there's a relationship issue already between him and his mother.

I wouldn't take the mom's money. He needs to be a big boy. He's 27. Put his big boy pants on, and he needs to go get an apartment. And I'll tell you what else if I had him on the line. He needs to commit to you. I think Dave said it very well. I'm not adding to. I'm simply saying I wouldn't enter into any of this unless you know this guy's committed to you.

You guys are playing house right now. You're 30 years old. I don't know, Dave. I just wouldn't take the money from the mom. It feels like that could be, if there's an unhealthy relationship with my mom or my dad, I don't want to take money from him. If you're talking to him, I would tell him that. That's what I'm saying. I'm talking to her right now. I'm just trying to get her away from this. dad, I don't want to take money from them. If you're talking to him, I would tell him that. That's what I'm saying. I'm talking to her right now.

I'm just trying to get her away from this. Oh, I agree. You know, legally away from it. Not trapped into a lease with this crazy situation. Dangerous. So, but, yeah. I mean, and, Emily, you just got to understand. I mean, Ken and I, we're considered old-fashioned dinosaurs in our in our

viewpoints on these things but and i so i'm only coming at you from the legal perspective that you're going to get trapped into a lease when his mom blows your relationship up and you'll be trapped in a lease with mama's boy and um or um or a young man that's at war with his mother who's a control freak i don't know what's about to come up but there this is not going to go well this is not going to you know they're they're they're having this is this is there's issues here and so please please please give yourself uh escape routes uh don't don't chain yourself to someone that you're not married to. This is your roommate. Argue over whose mustard it is.

Don't argue over things that are going to bankrupt you or put you into a situation that takes you five years to recover from this landlord suing you because the two of you broke up and both of you moved out and nobody paid the rent and you ended up paying it because he disappeared and his mommy's money with him and so this is just danger danger danger danger red flags all over the place and that's what i would tell my daughter except i would take it a step or two further than I did with you in terms of other paradigms through which we would look at it as well that we just ran out of time and can't get to. But please don't do this. This is The Ramsey Show. show. Let's go. Our scripture of the day, Hebrews 12, 11.

No discipline seems pleasant at the time, but painful. Later on, however, it produces a harvest of righteousness and peace for those who have been trained by it. C.S. Lewis says, These hardships often prepare ordinary people for extraordinary destiny. Love it. C.S. Lewis says hardships often prepare ordinary people for extraordinary destiny. Love it. Open phones this hour. Ken Coleman, Ramsey Personality is my co-host this

hour. Ryan is with us. Ryan's in San Antonio, Texas. Hey, Ryan, how are you? Hey, Dave. Hey, Ken. Thanks for having me on the show. Sure. Hey, I've got a question for you guys. My wife and I, we've been following your program for years now.

We've made it all the way through Baby Steps 3, pay off quite a large amount of debt. And earlier this year, our house burned down. Oh, no. We had just, anyways, we're still going through themonth emergency fund to help cover some costs and all that, but we actually just topped it off again. So we're back. We finished Baby Step 3, and now we're on to 4, 5, and 6. And we have a budget, and we are following your steps in doing all that.

The issue is that, you know, with insurance and, you know, with all of our contents and everything, you know, at some point we're going to come into a, you know, sort of a large amount of money to cover all these things that we lost. And honestly, we, you know, we don't know what to do. We're so used to just not having money and budgeting and saving all this, and then when the settlement comes and we get that money, we're a little confused about what to do with it.

Okay. Well, it is earmarked for two things. One is to rebuild the house, and two is to refurnish it. Yes. house and two is to refurnish it yes and i mean we have one policy which is covered for uh rebuilding the house and that's sort of taken care of and then we have a separate policy for all of our uh to refurbish it um and uh i mean you know i don't know what that's going to be, and we're so, I don't know, the word is thrifty that, you know, it could be tens of thousands of dollars. I'm not sure, but, you know, once we rebuild it and we have leftover money, or once we refurbish it, like, you know, what do we do with that? When you rebuild it and you have all the furniture in it, there's any money left then worry about it then i mean should it go to i don't know four or five four

or five and six or yeah yeah it'd be five and six if you have money left after you refurnish it you need to take this money uh and you and you've got the building project itself, which is one lump of money. You've got the money to replace your personal loss, your personal items and furniture, and that's a different check. Am I correct? Correct. That needs to go into a separate checking account,

and you need to manage the refurnishing and replacement of your items as a separate project completely independent of anything else. Okay, so just treat that money completely separate from... Anything else until you get the house completed, and you move in it, and you're done. And you go, okay, we're done. Oh, look, there's $5,000 left. Oh, look, we had to put money into this because we didn't have enough.

Oh, look, you know, whatever. But you're going to manage it to where I'd like for you to rebuild. I'd like for you to refurnish the home and have a little bit of money left. If you refurnish the home buy your clothes buy the blender whatever it is you got to buy and uh and there's a bunch of money left that's fine but i don't most of the time you're not going to get enough to actually come out of this with a profit so i think it's more emotional ken to set this aside and manage it as a separate project yeah look ryan you're a smart guy.

You understand the baby steps. You've got this down pat. You guys are very thrifty using your words. When Dave says worry about it when it happens, there's nothing to worry about. You'll know what to do. Again, there's this fear that you sense over you that you're going to do something wild or crazy with it. And I don't even think that's possible. So trust in yourself. You got this. Yeah, something wild or crazy with it. And I don't even think that's possible. So trust in yourself.

You got this. Yeah, I think you can do it. It's so emotionally devastating to have a home, to lose your home, because it's so much of your life goes up in those flames oftentimes. And it's just, it's on the list of things that'll put you in the hospital, like the loss of a child, a divorce, a death of a loved one, a bankruptcy, other catastrophic personal events that come into play here. And you've got one of the big ones, you know, and that's what you're facing. So, you know, emotionally process that.

But I think you give yourself permission to not make money but not go further in the hole because of this. If you came out and had zero, if it was a sum total of zero, Ken, and the home is refurnished and the home is rebuilt and there's not a dime left but you didn't put any other dimes in other than insurance money that's a complete win absolutely it is because like you said this is a traumatic situation i mean you know just to kind of reset because you can't replace yeah you just can't it feels like it's a lot of money but it's probably not i think that's what i'm saying yeah i think that's probably right when you get into it. When you start listing out and you go, okay, we've got to buy a couch. We've got to buy a rug. You've got to buy a lamp. You've got to buy these two TVs. You've got to buy a blender.

And you start putting dollar amounts beside those. That money's going to go pretty fast. Yeah, even at a thrifty rate. It's still going to add up. Even being intentional and careful and managing it as a project and not being helter-skelter with it, you've still got to be careful. Alexa is with us. Alexa's in Denver. Hi, Alexa.

How are you? Hi, I'm good. How are you? Better than I deserve. How can we help? Yeah, I have a question I'd like some input from you guys on. So I am at a job right now. I guess you could say overall comfortable.

Really good pay, really good benefits. The, you know, the atmosphere, the environment is good. I feel appreciated, you know, everything. The only reason I bring it up is because I am a mom of three kiddos. So it's a little harsh on the family. And I guess I'm going into about six months in this job right now. And I guess I'm starting to miss my old jobs working with kids. I have kind of a really office job right now. But, you know, as I mentioned, I'm overall comfortable. The schedule is a little tough on my kiddos. I work 410s.

So, yeah, I guess I'd like some input from you guys. So you used to work with children in your old job? Yeah, so I guess I've always worked with children, but my most recent was at a school working with kindergarten through eighth grade students. And now what do you do? I'm a court clerk. Okay.

All right. Yeah. So your heart's going. You've got two things going on in your heart. Number one, it's tough on the kiddos, and you're feeling maybe some mom guilt, or you're going, I can't keep this up. This is tough on the kids. So you're starting to think exit anyway.

And then thinking about that exit's got you thinking about, what do I want to enter into, and I think you're coming to the realization, I really love working with kiddos. Does that sound about right? I mean, I think so. Yeah, so here's the deal. So you've got to take care of those kiddos. So I'm fine. I think if you're asking, hey, is it okay to be looking? Yes. I don't want you leaping. I want you looking. Hey, if I know that the work I want to do is with children, then let's look at all the different ways that you can work with kids. And you've actually got a background. You've got some experience and some skill set there.

And I would be looking to make that transition. Don't feel guilty about wanting to leave a job that, for all intents and purposes, is a good, comfortable job. But if you know you're supposed to be doing something else, you need to embrace that and start to take the steps to move towards that. But be smart about it. What would be the parameters that would be the dream job? Yes.

And the hours, who you're interacting with, what you'd be doing, and so forth. Yeah. And if you lay that out, then you'll know when you find it. Yeah. If you itemize it. Ken Goodhour. Thank you, yeah. And if you lay that out, then you'll know when you find it, if you itemize it. Ken Goodhour. Thank you, sir. James Childs, Kelly Daniels, thank you for the show today.

Great job, as always. I'm Dave Ramsey, your host. 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. Hey, it's Kelly, associate producer and phone screener for The Ramsey Show. If you would like to do your debt-free scream live on the show, make sure you visit theramseyshow.com and register. We would love for you to come to Nashville and tell Dave your story.