The Ramsey Show - App - We Slept On An Air Mattress For 5 Years! (Hour 3)

Episode Date: February 24, 2023

Ken Coleman & Jade Warshaw answer your questions and discuss: "I was laid off and don't know if I want to stay in my engineering field" from the blog: What to Do if You're Laid Off "We slept on an air mattress for 5 years!" from the blog: More about Jade Warshaw How to change jobs when you don't know where to go next, from the blog: How to Switch Careers When You're In Debt What to do when you don't know if taking a leadership position is right for you, from the blog: How to Be a Good Leader Sign up for our weekly newsletter at this link. Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Live from the headquarters of Ramsey Solutions, broadcasting from the Pods Moving and Storage Studio, this is The Ramsey Show. It's where we help you win in your life, specifically your money life, your work life, and in your relationship life. The phone number to jump in is 888-825-5225. I'm Ken Coleman.

I'm joined by my colleague, the fabulous Jade Warshaw, 888-825-5225. And we're going to stay right here as we start off our phone calls this hour. In the shadows of Nashville, Tennessee, Dewey is on the line. Dewey, how can we help? Hi, Ken and Jade. It's an honor to speak with you both. Well, the honor is all ours.

What's up? So I've been playing with Chad GPT, the rationale and other AI tools since they came out. And they're all very cool. They've increased my productivity by a lot. But I wonder if my job as a data engineer, I feel like it's going to be fully replaced by AI in the future. Hold on. Hold on one second, because you're really smart and I know you're smarter than me. All right. So I want to know what you are basing that concern on specifically how ai is going to replace a data engineer so uh like that gpt has made my job easier and i know like data analyst there's another tool

out that i can't remember the name of now but you can hook your databases to that tool and it will um it will run any type of question you have for you you can ask it questions things like that so basically anything a data analyst would do this tool is doing but like even as a data engineer i see that same thing happening with data engineering too um it's already happened i feel like in some ways because what used to take me five hours to figure out i can figure out in five minutes okay absolutely but what is your role in giving information to chat GPT? So what's your role? Because it doesn't do it on its own. You've got a role. You're doing some input, yes or no? Yeah, I am. Hold on. Hold on. I'm just walking through this with you. And then when you put the input in and ChatGPT gives you information back,

what do you do with that? I take it and I do something else with it. Like I make it run end to end. Right. So my point is AI is not going to threaten people like you because AI will simply be a tool for people like you. It will not replace you because it cannot do what you can do. True or false? I mean, right now it can't, but in 10 years, I think it will be able to. Okay. All right. Sure. And I can't, I'm not going to argue with

you on that. I would just tell you that AI, it will never truly replace humans. It cannot. It can implement things that humans want it to implement. It can add to, and we're going to integrate it. But let's get to the heart of your question because there's something, there's a fear, there's a doubt underneath this, and it's forming a question what is it that you want to to to know what can we help you with yeah so um so like my i'm wondering if i should continue in this career because i i got laid off in november oh i'm sorry yeah so now my question is like did i even continue in this career or try to build a new career or a combination of both well because like yes go ahead because what because i feel like like if there's 100 000 data engineering jobs today

maybe in five years there'll only be 10 000 of those because chat gpt and other ai tools can help like make life easier all right so I'm going to ask you two simple questions and then we'll start to come up with a path forward. Do you still enjoy the work of being an engineer? Let's pull away from just data engineering but the engineering mindset and the type of work that engineers do do you enjoy the work? all right are you really good at the work i'm i'm above average good i'm not like a good i know you are youtube yeah you're good now listen the question is the skill set you have now and the experience you've had up to this moment is that transferable in any other part of the working world? Yes or no?

Yes. Yes. Yes. Yeah. All right. So the mindset now is less about do I stay in data engineering or do I move into a different part of engineering or do I move completely to a completely different industry and I take all the engineer skill sets and experience and apply that there. It's less about that because we know you can do all three. The answer is, excuse me, the question we're looking for is, what is it that I want to

do? And if you want to stay in data engineering, I would stay in it and I'd get back up on the horse and keep going. And it sucks that you got laid off, but that happens, especially in your world, certainly in big tech jobs where they'll hire up and then we've seen a pattern of them laying off a lot of people. That has nothing to do with you. That's the cycle. So maybe you want to look into maybe smaller companies, small businesses that can do very, very large revenue.

Small business classification in America goes up to, I believe, 499, maybe 599 employees. So you can kind of guard yourself from some of that up and down volatility that we see with public companies. But you just have to ask yourself, what is it that I want to do? What kind of work do I want to do? And then we say, all right, where can I do that? And we don't worry about things that we cannot control, which is, is AI going to replace me? I think that's further off than you believe, and I think you'll also get way more evidence of that, and it'll be very, very obvious as well. I don't think it's going to sneak up on you.

What do you think about that? Well, I worry about that because my brother works at Google, and he had to sell off all his stocks in January because everybody at Google is freaking out about chat GPT. Okay, hold on. I feel like we went back down the same path. Hysteria. What I'm saying is you're scared, but I'm also asking you to acknowledge that you have value in so many different places that you don't need to worry about chat GPT and artificial intelligence is not your enemy. You have opportunity. You're focusing on an enemy and not opportunity. It's a mindset. All I can coach you on in this particular call is mindset,

but do you see what I'm asking you to see? Do you see the opportunity versus the enemy? I do. I do now. Opportunity, Dewey. Opportunity. And you have so much to give the world. So let's start looking at practical things like where can I do what I do? That's it. That's all I want you looking at. Where can I do what I do? And then who do I know over there? Or who do I know that knows somebody over there? And so now we're getting very tactical and we're looking to replace our income and do something that we know that we're very good at doing. And we're not going to worry about long off storms and stuff like that. It's just a recipe for fear, Jade. And then what happens is when all I think about is the enemy, I can't move forward because I'm only looking at the enemy and I live scared.

That's right. You know, there's a progression to these things. And thank God, because during that progression, you have the time to adapt. Yes. And you see where your inroads are and you see where your opportunities are. So it's not just, it's from here to complete doom and gloom. That's right. You got a progression and you have the ability to adapt.

Dewey, you've got this. You have so much value. Believe it and act like it. This is The Ramsey Show. Welcome back to The Ramsey Show. I'm Ken Coleman. Jade Warshaw is my colleague, and she joins me this hour. 888-825-5225.

Hey, we have so many people that are joining the show all the time, and those of you who have been listening and watching for a while. And we would love for you to help us spread the word. If this show is adding any value to you, imagine how we could help other people. And you're the greatest source of marketing prowess that exists on the planet. Just good old-fashioned word of mouth. So would you consider subscribing, leaving a review, and sharing the show with a

friend or family member we would appreciate it but can i just say um this is not an invitation for somebody who disagrees with us or doesn't like us to just go drop trash in the comments if it doesn't do anything for you then don't say nothing don't say anything it's kind of like my grandmama used to say if you can't say something good don't say anything come on kenneth and uh it's kind of personal for you to welcome to the welcome to the club though i should say i got initiated into the club it's funny the very first time i was on here with dave we know we did a little social media post and a guy came in there and he was like so because you know I told a little of my story and the guy says so basically all you have

to do is be an idiot with money and Dave Ramsey will hire you yeah and I'm thinking yeah I did dumb stuff with money yeah and then a couple days later lady comes on and says who would ever listen to you and I'm like okay okay okay okay because you paid off almost 500 grand in debt and changed your life okay that's why people would listen to you because you know what it's like to dig a deep hole and then get out yeah man I told so that's who I want to hear from by the way I don't want to hear from somebody who don't have any scars oh man when Sam and I were getting out of debt so for those of you who don't know my scars. Oh man, when Sam and I were getting out of debt, so for those of you who don't know, my husband and I, we got married and soon after, you know, your student loans don't become due until about six months after you actually graduate. So we didn't really realize

what we had combined. So about six, eight months into marriage, we realized we were deeply, deeply, deeply into debt. Most of it was student loan debt, 280,000 of it was student loans. And the rest, two cars that we couldn't afford, 20,000 in credit cards. In the end, we had 460,000 in debt. And when we started, when we started, I got a little bit of an attitude because I know folks, some folks have made me a little bit salty, Ken. So I have a little bit of attitude in my voice. When we started, our income was 30K. Because we were musicians fresh out.

I worked at a clothing store. And we had big dreams. And it was like, okay, what are we going to do? Put up or buck up or get out of here. So we started working. And we were working for a cruise line, traveling all around the world. We ended up starting a business to try to get our income up. And it worked and we did any and everything we could in between our normal music jobs to earn money can you have a place to live or were you just living on the cruise ship we were okay so

you go out there for just a couple of days at a time and then you fly home it's a lot of flights and we were living in a townhouse and we got roommates yeah married folks with roommates with roommates because you were hardly ever there we were there enough we were there enough so so you like you were like the real life friends episode ah it was you know they were always there yeah i'll be there yeah they were there all the time and we did that to save 600 bucks a month and we did all sorts of things, Ken. We didn't have a, we sold all of our furniture, slept on an air mattress.

That's all you had? We slept on an air mattress for five years, Ken Coleman. So when people come at me and they don't think I'm qualified to teach this, a man with an experience is never at the mercy of a man with an opinion because i did this sam warshaw jade warshaw we did this you guys have long-term chiropractic care nah dude you were okay we're in our 20s when you're in your 20s you're made out of rubber man so all you had in the uh townhome was an air. We had an air mattress for a good minute. And I remember when we saved up enough cash

and we bought these faux, like, you know, the faux leather. Oh, yeah. When you can't afford the Italian leather. Oh, yeah. You stick to it. Yeah. When you get up to go to the bathroom

when you're watching a game, you know what I mean? You do. And the leg goes like this. Yeah. Right off the top. But we were so excited to have them, we slept on them.

Like, we were like, I'm sleeping on these. Yeah, of course. But we were so excited to have them, we slept on them. Like we were like, I'm sleeping on these. Yeah, of course. But I'm saying, you know, the sacrifice to win, to walk through the baby steps and to walk through baby step two, it took us seven and a half years to do that, Ken. And that's why she's actually here because she did it. I don't want to take advice from a professor. I don't want to take a business class from a professor that has never run a successful business. So why would you take financial advice from somebody who's never failed financially and then had to win? Yeah, and that's the thing. All you haters out there, don't get me started on the keyboard warriors.

Sipping on that haterade. Haterade. I mean, they're cowards because they like to fire stuff from the safety of the keyboard. They'd never say it to your face no and so i don't listen to cowards in fact the uh the team over on the ken coleman show they're instructed all negative comments i don't mean like healthy constructive well yeah because we do want to learn from yeah yeah yeah but i mean just the nasty like you're an idiot whatever well sure i wouldn't argue

with you for two seconds about it and that's the thing but i'm not going to read that crap so it goes immediately into the deleted folder so if you think you're really getting at us you're not yeah take your venom somewhere else because we're out here really trying to help you yeah we hear you guys you guys are you what you're going through we care about that and have walked through and have walked through it so the things that we're telling you is things that we have done, things that we have tried, things that we have felt. We are right there with you, man.

If you're in Baby Step 2, and if you're in what I call the Six Figure Freedom Club, where you're trying to pay off six figures or more of debt, I see you, man. I feel you. I feel your pain. I feel the struggle. When it's Friday night night like tonight and everybody else is going out what'd you do on friday night take me back since we got the air badges what was friday night when you guys were broke nacho night make some nachos at the crib

hold on because you're a good cook i am what was old school broke jade nachos was it the the shredded cheese melted or was it real nacho cheese? No, no. It was, honestly, it was whatever we had, whatever we had in the refrigerator. That's what I was going to figure out something to make. I did not. So some nights it was like vegan nachos. Some night it was protein nachos.

No, no, it was, we keep it clean. It's always vegan. Don't get it twisted, Ken. Don't be trying to get it twisted. I'm actually asking because you're a clean, folks don't know you're a super cleaner. So how do you eat clean when you're broke? Because I'd be getting the government cheese for my nachos.

I promise you right now. You got to stay on the outside of the grocery store because that's where all the healthy stuff is. Fruits, vegetables, all the produce. And then if you're going to go on the inner aisles, that's where you get your protein. So your nuts, your beans, that kind of thing, right? And you buy what's on sale. And what you can't buy fresh, you buy frozen. And what you can't afford to buy frozen,

you buy in a can. That's how you do it. If you can't afford to buy the fresh spinach, you buy the frozen spinach, right? And you just work on down. If you can't get the fresh carrots, you buy the frozen carrots. If you can't get the frozen carrots, then you get the canned carrots. And you just go on down the line like that that's good but don't nobody no one can tell me that oh there's no way to eat healthy when you don't have money you do not have to buy ramen noodles you do not have to buy mcdonald's because mcdonald's is not cheap anymore by the way you go through uh fast food with kids yeah you're spending 70 dollars by the way i saw an article recently of a dude who uh literally forgot hey like he moved from somewhere and a friend of his brought his coat back to him it's

like a trench coat been two years he gets the trench coat hangs up in the closet a couple days later he puts it on puts his hand in the pocket this is a true story And he feels something crinkling in there, and he pulls it out. It's a McDonald's hamburger that had been in there for at least two years. He opened it up expecting it to see the mold and the fur growing. Looked exactly the same as the day he bought it. Fresh as a daisy. And I just got to tell you, I'm not eating that. Okay.

If it can stay in a trench coat for two years and not mold it probably shouldn't go in my belly is all i'm saying oh wow you know what i'm saying you're right you're exactly right and so but when it comes to nachos i'd probably have to get some some processed meat or something look i don't get me started you know what i do with the tofu i'm just messing with you right i make it work but that's what i'm saying hey next time we're on together i want in the third hour you to bring in some tofu nachos. I'll eat it on the air. I want to try it.

I'll do something. I can't guarantee it's going to be nachos. I'll do something for us. Well, tofu, anything. I've never had tofu in my life. What? Never. All right.

I'll hook it up. The only person I'll eat it for is you, but it has to be on the show. I will hook it up. Don't you worry about that, Ken Coleman. All right. Well, that was fun. It was. Hey, all that to say, we get it.

As Jade said, she sees you, she hears you, and we do. So back to the phones we go. It's going to be fun. We're still here for you. Don't move. This is The Ramsey Show. All right, folks. Welcome back to The Ramsey Show. I'm Ken Coleman, and Jade Warshaw is with me.

And so in the last segment, I was talking about the – because Jade's a clean eater. She's a cook. She's fantastic with food, and she makes me feel very guilty. And so I told the story about the guy who discovered the burger. And the guys in the booth are so amazing, they looked it up. So for those watching on YouTube, we're going to pull this up on the screen here. I was wrong in one major factor. It wasn't two years in the jacket.

It was 14 years, Jane. Oh, my gosh. 14 years, this McDonald burger. And now, this article came out a couple years ago, so now the burger is, by our calculations, 24 years of age. Oh, no. And he's kept it, Jade. It's now a collector's item, if you would.

And it's still going strong? I could nuke it and eat it. Oh. I wouldn't. I wouldn't. I said I could. It's still in its, there's no mold on it nothing it looks like you know i am deeply there it is deeply disturbed there is the uh picture of

that meat oh if that's what you can call it oh gosh oh my gosh oh gosh careful careful be careful be be oh i have nothing left to go on after that. We're going to leave that alone. All of a sudden, I have some indigestion, so let's move on. All right, so a lot of you are thinking about moving, and that's always exciting, and we want to be excited for you. We are, but we also want to make sure that you know what you're doing. You're going to be facing some sky-high prices.

Interest rates aren't going to return to their record lows anytime soon. But that doesn't mean that you shouldn't buy a home and that it's going to be impossible to buy a home. If you want to buy or sell, you've got to make sure you're financially ready and you've got a trusted and experienced real estate agent to walk you through it, not a family friend who just got their license last month, and not someone who does it part-time who really wants to help you out. You need a pro, a true expert. And you can find a high caliber

Ramsey trusted agent that through our endorsed local providers program has been vetted and they're winners and have been winning for a long time because they know what they're doing. And that now becomes knowledge that helps you out. And so we vet these agents from all around the country. You're going to get the best support in your area, whether you're moving from Florida to Alaska or you're buying your first home somewhere in between. RamseySolutions.com slash agent is the website to go to. RamseySolutions.com slash agent and get yourself a real estate pro who we trust to help you out. So there you go.

Also, I'm supposed to mention, no, I'm not. That's next time. We met some of these real estate folks down in Austin. Oh, we did. In Indianapolis. Man, and I can say, these are great people. If you are not sure about what we're talking about here, these Ramsey-trusted real estate, you need to get on it and get about it because these are real people.

They are vetted. They understand what's going on. And yeah, just a little something there. There it is, ramsaysolutions.com slash agent. All right, back to the phones we go. Los Angeles, California is where Daniel awaits. Daniel, how can we help? Hey, Jay. How are you, sir? I am a university

student. I just moved out here on campus. I am $4,000 in debt. I have my Baby Step One emergency fund. I have another $1,000 in cash in my bank account, and I currently am not paying rent but my issue is that I'm currently at a work-study job that is not paying as much as I was making in my prior higher education experience and I wanted to see if I should pivot that into either leaving that workplace or just adding something else onto with the other experience that I have. But honestly, the job that I'm currently doing isn't focused on the type of field that I'm trying to continue.

It's not related. I'm sorry, I'm having a hard time understanding some of what you're saying, so I've got to clarify a couple things. The current work study or the job you're in now is not related to where you want to be long-term. Is that what I heard? It's related to higher education, but it's not related to teaching, which is what I want to do long-term. Okay, right.

So it's really not the ladder that you want to be on. So that already is an indicator that we want to get out of there. I mean, it's stability to some level, but not much because you need to be making more money. But I want to pause the conversation real quick. I'm going to come in and clean up something really fast. You've got $4,000 in debt and you got $4,000 in cash above and beyond baby step one, which is what we say is a $1,000 amount in a savings account for everyday emergencies, real emergencies. So why wouldn't you take the $4,000 cash above and beyond that and go ahead and pay that debt off and be debt free? That would immediately save you money.

Correction, it's $1,000 in cash. And I would like to put as much cash down on the debt that I have, but my conflict is just a low pay at the time. Okay, so I heard you incorrectly. He's got a $1,000 emergency fund. He's got 4K in debt, and didn't you say you have an additional $1,000? Yes, I do accept one, and I have $1,000 in my bank account at the moment. Okay, I thought I heard four. I'm sorry. Okay, we see.

So we want you to get, okay, all right, never mind. So we want you to keep working the Baby Steps. But I do have a question regarding that money. Are you going to have student loans when you come out of this? Like, are you paying cash for college? So fortunately, I have financial aid covers my most of my schooling um at the moment i'm only paying four hundred dollars out of pocket for you know the rest of my rent and my parking permit good deal 400 per quarter so that's about 1200 a year okay good deal all right so let's just

focus on this professional question then what's keeping you from stepping out of this work you're doing now and getting back into teaching? Honestly, I've just been having a lot of time conflicts with my transition to the university and with housing, but I honestly need to just find another job. There's a career fair today, so I also wanted to ask about some tips. It is an education as well. All right hit me with it i mean we're here for you how can i help you most right now at the moment um i think i just need a little bit of a nudge but i also need um i need guidance on how to transition or if i should add or you can leave this workplace in general no no, no. I know. That's why we're kind of dancing around this thing.

I'm saying, are you doubtful? Are you fearful? Because we know that I'm giving you the nudge. I've already told you that you need to start looking, and we're going to be leaving this current job. It is not the ladder that you want to be on. We've already established that. So what guidance do you need on the

transition? Because the transition in my mind is very simple. It is, I'm looking, I'm connecting, I'm interviewing, I'm accepting. That's it. We don't leave the current job until we have a new job to walk into. So transitions to me are really, really simple because we remove risk. There's no risk involved in this scenario that I've heard so far. What are you earning at this work study? Currently, the max that I can be earning is about $310 a week take home. And so that's about $12,000. So if you're interested in education and you're earning and you need to replace $310 a week, can you just start tutoring? Is there anything else that you can do on your own? You don't need to wait for anybody else.

You don't have to. Do you see what I'm saying? Well, I believe I can tutor. I'm also looking into different private companies that do tutoring. But on my own, I just I don't have any guidance for that And I don't know where to start Okay, you do know where to start

Who do you want to teach? Who do you want to teach? Let's take all limits off this Who do you want to teach? I do want to teach higher education I want to teach Are you qualified to teach? Are you qualified to teach at the higher education level? I am not qualified to teach, but I do think I'm qualified to tutor.

Okay, great. So if you don't know where to go, it's called Google. And when you're in Los Angeles, wherever you are, you're looking for people that are tutoring. It's called The Proximity Principle. It's a best-selling book. I'm going to give it to you because it's going to actually take all of this fear and all this confusion that you've got in your head. It's going to simplify. It's going to tell you the people to be around, the places to get into. You just need to get active, my friend. Stop thinking and start connecting. When I connect with the right people, they help me get in the

right places. And that's when opportunity shows up, knocks on my door. But young man, I wrote an entire book. It's going to walk you through it. Hang on the line, get your chin up. Let's start going where the people are that you want to help and you know where to find them. Start looking, Hang on the line. Welcome back to The Ramsey Show. I'm Ken Coleman. Jade Warshaw joins me in studio this hour. The phone number to jump in is 888-825-5225. We're here to talk to you about your life, your money life, your work life, your relationship life, and we want to help you win.

So we are here for you. 888-825-5225. Our scripture of the day is Luke 2119. Stand firm and you will win in life. Our quote from LeBron James, people will hate you, rate you, shake you, and break you, but how strong you stand is what makes you. Did he say that or did he rip that off from somebody? That was like a book. Like he might be writing a song.

Yeah. I'd had a little lyrical process. Okay, I got to bring this up. And I think I know where it's going to go. And we can't spend more than 30 seconds on it. Okay, come on, hit me. Who's the greatest basketball player of all time? Michael Jordan.

Thank you very much. Michael Jordan, and don't at me. Thank you. I am willing to lose friends over this. It's not even close. It's not even close. And I love bringing it up. It's like the greatest thing to fight about that never really gets ugly

because it's just that. Check the rings. Thank you. Check the rings. That's all I'm saying. Thank you. Thank you. All right.

Hey, after record high prices and interest rates, could the housing market actually be cooling down? There have been some early indicators, but there's more to the story than just a clickable headline. We've got the full scoop on the current housing market in this weekend's edition of the Ramsey Newsletter. Simply sign up at ramseysolutions.com slash newsletter. That's ramseysolutions.com slash newsletter to subscribe to our weekly newsletter.

All right, back to the phones we go. Michael is in Indianapolis, Indiana. Michael, how can we help? Hey, just to start off, I'm glad you both said Michael Jordan because I might have had a hang-up. See, that's what I'm talking about, Michael. You're my guy. I would have been okay with that. Good for you, sir.

All right, how can we help? Yeah. So my situation might be a little different than some people right now, but I've been working from home for seven, eight years. So, but I got a job opportunity currently going through some interviewing processes, but they might want me to come back into the office for 50% of the week. So typically people are worried about going to working from home, and I'm kind of thinking about maybe moving back to the office for 50% of the time, but kind of just concerned about family time, stuff like that.

Right now, currently, I'm a consultant. So I've been working in software consulting. I'm an architect. I've been working there for eight years, working from home, and kind of built the consulting company up to sale and sold last year, cashed out, and kind of don't see any real reason to stick around. I don't really see too much vertical movement here. I've got an opportunity with an insurance firm, possibly higher management, so I'd be reporting directly to the VP of the company. I'd be over pretty much their software solutions there, and I'd be over a team while they're developing all the stuff that they're working on.

Will you get a nice bump as well in pay? Not necessarily. there and I'd hope be over a team while they're developing all the stuff that they're working on. Will you get a nice bump as well in pay? Not necessarily. It sounds like I might get a little bit, but kind of not. But the opportunity for a nice bump is there? Yeah. Yeah. I think it might be a little bit. It might be like 10, 15,000, but my salary is already pretty well. Right, but over the course of the next several years with growth, that's where the opportunity is coming is what I'm hearing you say. Yeah, possibly.

Possibly. It just kind of depends on what their pay increase schedule looks like. Okay. Well, I think you've got to find out that stuff. You need to know. That's the kind of stuff it's okay to ask. You've got to ask them what – when somebody wants you, it's okay to be wanted, but it's also okay for you to say, all right, I got to see if I want this. And I'm asking, what does my vertical

opportunity look like? So I'd go find out. Now, here's the question I've got. I think this is the ultimate question. If this job that has been offered to you was 100% remote. Would you be calling me right now? No, definitely not. All right, so that's the answer. You want this job, and I think you should take this job. But, see, when I removed the whole remote thing, it was like, oh, I'd absolutely do it. It's a good professional move.

You're completely worried, or you're just really comfortable in this remote gig you've been doing for seven to eight years. And so you've got to come to grips with that, my friend. But I would never, ever, ever, ever, ever sacrifice an opportunity because of comfortability. Your kids are going to be fine. Your family's going to be fine if you go into work 50% of the week. Am I right? Oh, yeah. All right, then. For sure. So here's my point. If the family's going to be okay, this now comes down to your preference, your wife's preference. And again, that's an okay thing. But when you put it all on the table, and I hope you now and the audience can see what I've just did. I just put everything on the table

and I would never turn down this opportunity in this situation. I would take it. Jade? You're the career coach, but this call relates to me deeply because when you said what you, that was my situation before coming here,

built a business, it's very successful. And I was working, I've only worked from home. I've only worked as a contractor. I've only worked for myself. So coming to Ramsey, it was a big opportunity, a new opportunity, totally different. I was going to have to go into the workforce and come into the office every day, something I've never done. I'm used to being able to be on my own schedule. If the kids need this, I can go do it. And that was a big, a big thing to weigh. So my two cents here is really making sure that you're not doing it for as we went through the pay. You're not doing it, but you truly, truly love and feel very connected to the purpose behind what it is that you're going to be doing. Because when you start having those doubts about, oh man, I used to be able to just have this level of autonomy, or it used to be I could pick up the kids at any point. And you're used to that, you'll immediately go back to your why,

and it will be strong enough to keep you. Do you know what I'm saying? Oh yeah. That's why I asked him, would you take this job if it was remote? And he said, absolutely. And so there's more pulling at you than remote. That's right. And so I'm assuming that this is something that you're very excited about and you see the potential, yes? Oh, yeah. Yeah, I definitely see the potential in it because it's like right now,

working consulting, it's like I work. I do the same thing I would be doing at this job, but I'd be doing it for three, four companies at once. And there've been multiple times where I've been on two phone calls at once, one, one on each year, muting each one in between each conversation, because some of the customers overlap meetings and the customer is always right. You know, you gotta be in there and they don't care if you have other projects because they think they're your primary focus. Right. Yeah. I mean, you're excited about this new challenge. And they don't care if you have other projects because they think they're your primary focus.

Yeah, I mean, you're excited about this new challenge. Right. Yeah, I think so. And I feel like it would be less stress even though it would be in the office because it's like I work from home, but I'm really locked in my office from 8 to 5. Exactly. Sometimes even working over. And here's the deal. You said this is hybrid. This isn't even full-time.

That's true, 50%. This is hybrid. I think't even full-time. That's true, 50%. This is hybrid. I think it's a good thing, but I'd like to see you go from, and again, Michael, if you're using the word think as just a throwaway word, that's fine. But I'd like to hear you go, oh yeah. I keep hearing, I think so, I think so. So I'm going to challenge you to go get to the answers that you need to where you go, I know so. Right. Is this a good move for you?

Yeah. Yeah. I think so. I mean, it would be a good move for the career. Yes. Well, but again, but again, uh, Jade, she's, she's right. And this is what I teach. Don't just take this because you think so and because we've got to know so. And here's the whole process. I've been talking to my wife about it. She had kind of an emotional response to me not working from home anymore. But it's just like the initial talking. Hey, don't ignore that.

Let me tell you something, my friend. I will tell you that everything you've told me so far says that you should probably take this job with the caveat that you go get more answers so you know so. But I'm going to tell you something else. You just threw me new information. And this is a marriage decision. Make no mistake about it. Well, you better get straight with her on this. And it's not as simple as her not being on board with it. It is your job. And I'm going to call

men out here. It is your job in this situation because it's your opportunity to go to your wife and cast a vision for her and not tell her what you're doing, but sell it to her to where she actually goes, okay, you better solve this. Because if you take this gig and Jade, she's still having problems with it. Oh, it's going to be miserable. So please get this thing straight. Let's not rush into this. The weekend is a good time for some dates, some conversations here, Mike.

Conversation. Hey, great job, Jade Warshaw. Always fun to be with you. And I want to say thanks to Austin and the crew there that kept us on the air today. Hey, America, this is your show. Thank you so much for being a part of it. This is The Ramsey Show. Hey, what's up guys? It's Jade. Look, if you like what you heard in this episode and want to know more about getting started on the Ramsey Baby Steps, go to ramseysolutions.com and click the Get Started button. We'll help you figure out the best next step for you based on your specific situation.

That's RamseySolutions.com and click Get Started.