The Ramsey Show - App - What Does Dating Look Like on the Baby Steps? (Hour 1)

Episode Date: September 23, 2021

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Thank you. Live from the headquarters of Ramsey Solutions, broadcasting from the Dollar Car Rental Studio, this is The Ramsey Show. It's where America hangs out to have a conversation, and we're talking about your life. I'm Ken Coleman, joined by my colleague Rachel Cruz, and we are here for you this hour. It is a free phone call, 888-825-5225.

Of course, with Rachel here, we're going to take all your money questions. I might chime in a little bit. Hey, we'll talk about your work, your career, working on purpose. You want that bigger shovel. We'll talk about that as well. And so we are thrilled to be together. This is the first time that you and I have, to my recollection, been together in this duet. So this is very exciting.

I know. That's what you've been claiming, but I think... You think otherwise. I know. Yet you have no proof. I don't have proof. So we're going to go with what... I'm going to go scan the YouTube clips over the last four years and see what happens.

All right. So checking in with you. It's always fun to be together with you in the studio. How's everybody doing? Yeah. Three kiddos. Everyone's great. Hubs.

Everybody's fine. Everyone's great. I'll just add this before we jump in. I've experienced something as a parent for the first time that I never thought I would be. Oh, I'm very excited. Are you ready? Yeah. So my six-year-old has done gymnastics, but not an organized sport.

She did in 2020, spring, and then it got shut down, obviously, because of the pandemic, so everything canceled. So this is the first season, fall season, fall of 21, that she's on a soccer team, a little YMCA soccer team. How exciting. And she's aggressive, Kim. Is she? Oh, my gosh. Boys and girls?

No, just girls. Just girls. And it's not like we pumped her up like, Amelia, you can do this. Run fast. Yeah, you just let her go. Yeah, we were like, have fun, Amelia Jane Wolfby. What do you mean by aggressive? Oh, always just by the ball, kicking around, all this. Anyway, she scored like three times on

Saturday at their game. Alright, now hold on. We cannot move past. This is very exciting. First time she scores. Please tell me your head was not in your phone and you saw it. Ken Coleman, I was here at work on Saturday for the Financial Peace Accelerated event. We were shooting financial. I was not here. I was not there.

You missed it. But the phone was on. I'm so sorry. The phone was on from Winston and he texted and he texted me videos, the whole thing. Did he lose his mind? Well, that's the funny thing. I turned in, so this is the setup. I never thought I would be that parent that's like, look at my daughter.

Of course. Of course. She's amazing. Look at her. Look at her go. She's just running past everyone with a ball and just, of course. Anyway, so I'm experiencing that as a parent. I've not yet entered that world, and I am a proud, athletic child parent.

Sports mom. Excited. You're a sports mom. That's it. I have a minivan. I'm like, I'm it. I was called to this, and now I'm experiencing it. Let me tell you what I think the next stage of excitement is, okay, is because she had

a couple of wins, right? Three goals. Hello, that's a hat trick, all right? Then you start getting excited. Like Friday night, you go to bed and you go, oh, Amelia gets to play soccer tomorrow. You get so excited. That's how I'm feeling right now, 48 hours.

Yeah, Saturday morning is like the most exciting thing in your life. I get it. Anyways. Good for you guys. That's what's going on in the cruise household. I've just experienced some new things as a mom. Yeah. Never thought I'd be that mom, but there I am.

Yeah, we have three football. I was telling James before the show, we have three football games this new things as a mom. Yeah. Never thought I'd be that mom, but there I am. Yeah, we have three football, I was telling James before the show, we have three football games this week between my two boys. Good night. And so your life is eventually, if any more of your kids

play sports, your life becomes an Uber driver in between. So there you go. So crazy. So hey, we'll talk about the busy parenting.

We'll talk about budgeting for all the sports, all the things. Hey, it's wide open. We're here to help you. 888-825-5225. Let's start it off in Naples, Florida with Kristen. Kristen, how can we help?

Hey, how are you guys doing? We're having a blast, Kristen. What's up? Good. All right. The show rocks. I just wanted to say that. I explain all the principles from the show to my students almost daily because I teach.

Oh, good for you. What grade do you teach? high school great yeah so yeah great thanks for uh putting it out there um all right so my question is i am currently eligible for the public student loan forgiveness for my student loans that i accumulated over the years um and it's at 72 because of interest has been occurring since 2015. And I'm wondering because they said that I haven't paid off by 2028. And I'm only making the minimum payment from because I'm on the, you know, repayment plan where it's income driven base. And I'm just wondering if that's the route I should take or should I just try to attack

them because I have no other debt besides that. That's it. How much student loan debt, Kristen, is it in total? $72,000. Oh, you said that. $72,000. Yep. Yep.

So the way my philosophy always with this is usually with these forgiveness programs, are you talking on like the national level or are you in a specific program with your teaching that you're part of something? Because there are organizations out there that are helping with student loan forgiveness, but you have to be in a certain job, in a certain system for a certain number of years. Is that the program you're talking about or more on like a national level, like Biden's going to forgive your student loans? No, because you have to be working at Title I school district, which I do, and I teach science.

So I'm in that program. They said, hey, they'll be paid off by 2028 as long as you make the 120 qualifying payments for 10 years. Yes. Okay, so this is how I would go about it. Because of the length of time and because these promises have, this has been, you know, these things have come up multiple times over the past

two decades and sometimes it works, sometimes it's fulfilled, sometimes it's not. And so there's all these tiny little details in your story and in your employment, all of that, that what it ends up being is that you're basically putting your fate of being debt-free in someone else's hands. So my philosophy with it is attack it, Kristen. What you can do and what you can pay down, working to pay it off because you're going to be able to pay it off faster than 2028. And I don't have the hope and the trust, honestly, that it's 100% going to go through because the last thing I want you to do

is just be paying the minimum payments. And you get to 2028 and something is screwed up or something changed or your life changed and you're no longer teaching. I mean, there's so much risk around that idea. So if I were you, Kristen, I would buckle down and pay it off, even though it's a lot. And I know it seems overwhelming, especially on a teacher's salary. But what you can do to put

the control back in your hands is what I would push for. Kristen, which way were you leaning when you called in? Waiting, but I like paying everything off because I have zero debt besides my student loans. So I was like, well, you know, I could attack these. I could put a lot towards it. But then I'm like, wait. I have forgiveness of my occupation. But yeah, you never know what's going to happen in the future. If you go at it with everything

you've got, because you know our program. You teach it. You believe in it. How quickly do you think you can pay it off? Woo! I'm thinking three, maybe three years. Yeah, and I think Rachel's absolutely right. You're going to do it in that amount of time, if not sooner, because of your actual drive.

And once you taste some momentum on this, I think it's going to be an awesome, awesome push for you. And there is no guarantee. These things are not guaranteed. And I'd hate for you to wait seven years and then be at the same place you are now versus knock this thing out. You took the loan. You took the loan out. You should pay it back.

Now, that's my opinion. I'm not going to rant on that. But if you take a loan out, you ought not wait around for Uncle Sam or somebody else to forgive what you already signed up for. Pay it off. You'll do it faster than you can possibly imagine if you really get after it. And you're going to feel so much better about it. And then you have a story to tell to all those students that you have tremendous influence over. Hey, Han, thank you so much. Excuse me,

Kristen, thank you so much for sharing your story. Thank you for calling the show. She is Rachel Cruz. I'm Ken Coleman. We're here for you. Don't move. Coming right back after the break. Hey, it's Christi Wright. Y'all, let's be honest. When it comes to our quiet time with God, sometimes it's hard to know where to start. You've heard me talk about the Glorify app before,

and there's a reason. For me, it has been a game changer, helping me grow in my faith every day. Every morning, Glorify guides me through God's Word with a bite-sized Bible reading, a daily devotional, and a guided reflection that helps me connect with God. And it's free to download. So if you haven't already, give Glorify a try. Just search for Glorify in your app store. The Ramsey Show continues.

Welcome back, America. I'm Ken Coleman, joined by my colleague, Rachel Cruz. And we are here together to take your questions about your life, your money, your work, purpose, relationships. We'll just talk about it all. We love having a conversation with you and that's what this show is all about. 888-825-5225. 888-825-5225. So do you really love the work you do?

Is it fulfilling for you? For example, I come to work because I still get fired up about the work I do. And if you're not fired up, you might be stuck in the wrong job or wrong career, not using your talents. We've taken my proven plan that has helped thousands, and we've launched a power pack bundle that combines my new book, From Paycheck to Purpose, and the new Get Clear career assessment. The team here has packaged it together into the ultimate career bundle, and it's a steal for only $30.

I didn't even approve that, Rachel. We're practically giving away the assessment. That's a $30 assessment. They're giving it away for $10 with the book. So jump on this. It's going to help you get clear on your talent, what you do best, your passion, work you love, and your mission, results that you want to contribute to the world through your work. It's going to give you a list of many professional options that will be in your sweet spot. And the

book gives you the proven step-by-step plan to get you up the mountain to that professional pinnacle. You can pick between the Get Hired Bonus Pack and the Get Promoted Bonus Pack, depending on where you are in your journey. And that's free, over $100 of value for just $30. So go to the online store at RamseySolutions.com. That's RamseySolutions.com and order the Ultimate Career Bundle today for only $30. 888-825-5225 is the number. Let's go to Portland, Oregon next. Hannah joins us there. Hannah, how can we help?

Hi, guys. Thank you for having me. I wanted to ask, I have been following Dave Ramsey since the beginning of this year, and I'm on Babysit number three. My question was what is maybe the best way to get into the dating scene and follow Dave Ramsey's plan at the same time?

Like, how do you talk to people if you're interested in them about being debt-free and finding the right partner? Wow. That's a great question, Hannah. Boy, I have thoughts on this one. Wow. I have some thoughts. I do,'s great to spring no ladies first and what i like is hannah's gonna get both sides of the perspective here ladies first oh i'm ready um so hannah i don't feel like it needs to be a conversation right off the bat by any means. I think as you start dating and if it's one person

consistently, you're going to pick up naturally their spending habits, probably how they talk about stuff. I mean, money is such an integral part of life. So it's naturally going to come up in conversation. And again, even just you being aware of how they're handling their money. And so as it gets more serious, though, in a relationship, and you know, okay, this is probably heading towards marriage, like I'm feeling it, then that's when conversations about life in general, I feel like get more serious and a little bit more tangible. And that's everything from kids, money,

if you have a spiritual walk right a faith story that that comes into play i mean a lot of these things naturally are going to come up while you're dating but i think as it gets serious that's when you start to turn to say okay how much are we on the same page um because i i would not advise nor can maybe you would that you like ask for their you know tax returns on like the first date. And it's like, all right, tell me everything. I mean, are you, how much are you investing in your 401k?

You know, those things are not natural, you know, questions at the beginning of a relationship. Have you had experience, Hannah? I'm just curious of, of dating and you're thinking though, in the back of your mind, you're scared to get into a relationship or you're unsure. What is the, what's the reason behind your question? Well, because I got divorced when I was 21 years old. So there's that part of me that I hear about these couples on here that's growing and getting out of debt. And, you know, I want to be close to that partner, whoever they are,

but I just want to make sure that we are, because, you know, Dave talks about it all the time, money is, you know, one of the biggest issues. Yep. And that's my fear. Absolutely. I just want to find that right person. How old are you now, Hannah? I'm 25.

Okay. Awesome. So I'm just going to. How old are you now, Hannah? I'm 25. Okay. Awesome. I'm just going to give you the dude perspective, and then I'm going to give you just kind of this financial peace perspective on moving forward. So you don't want to talk about this early on. Okay. If you're going to talk about debt and budgets and what do you think about money on a first date, you might as well take a catalog of your cats with you.

I mean, it's just a horrible idea. Don't do it. Here's how a dude thinks about dating. All right. First thing they want to connect. Second, they got to figure out if they like you. Third, if they like you, then we hope they start to dig you. All right.

So that's next level from like. They dig you. They want to spend more time. Then they commit. And then finally, love. So I'm just breaking this. I just wrote it down. Connect, time, then they commit, and then finally, love. So, I'm just breaking this. I just wrote it down. Connect, like, dig.

He just made a list, Hannah. Hannah, you need to know. Right in front of Ken Coleman is his list of... I got it. Because, yeah, you need to know this. This is how dudes think. And so, when we get to commit, that's four. So, let me review for all the single ladies.

Connect. The dude's got to connect with them. Then you've got to get him to like you. Then you got to get him to like you then you want him to dig you and then you want him to commit when we get to commit this is level four james i just made up this this unbelievable knowledge right here on the spot you're such a preacher's kid what's that such a preacher's kid well it's just true i just laid it out right here when we get to level four commit then we start talking about hey what are your views on money see how i'm spinning this from a little bit of fun to serious totally now we start going hey how did your parents handle money when you grew up maybe you buy rachel cruz's book

maybe you do and and you and you say i read this book know yourself know your money and you talk about here's how you see money here's another thought hannah and then we'll let you finish oh i'm so sorry so that's the last piece if you find out that he's on opposite worlds apart like he's totally opposite of you on money now you could start to get nervous and go hey here's how i see money this could be a major divide are are you and if we see if he's willing to then make some changes there you go go. Go ahead. I love it. I was trying to plug your classrooms and all the things. I saw that.

I appreciate it. Because it's wonderful. It actually is a wonderful way to talk about money. Well, that's what I was going to say is a lot of these conversations could be in your unproven five-step plan number three. Oh, right here. Dig. That a part of-

Oh, you're moving it up. Dig. Of what? Okay. But I'm being honest. As you're in a relationship, and this could be a romantic relationship. This could be even just a friendship. But when you start to really understand people and know them on a deeper level and what makes

them who they are, those conversations is what is going to make them dig you slash you dig them. And part of that is, hey, here's how I see the world. And here's how I view things. And here's like how i see the world and here's how i view things and here's like oh there's a family over there with kids let's judge them and figure out how i would do different you know in parenting style like like understanding someone on a on a depth level yeah i would say the way money is handled the way you view money how it acts in your life is possibly in level three it's i, I'm okay with that because I just made it up.

I'm willing to move her, but, but I think we don't want to do it in the connect and the like. So Hannah, that's your answer. Sorry. That was a very long, no,

it was wonderful. That was a circle, but I don't know that anybody's ever gotten that depth of advice on dating and money talk at the same time. That was wonderful. Yes. It was really, really good. Hannah,

but I think it's awesome. And also Hannah, your question, sorry, I'm going to keep going cause we have two, we have one more minute. We can't take another caller in one minute. Yes. It was really, really good. Hannah, but I think it's awesome. And also, Hannah, your question, sorry, I'm going to keep going because we have one more minute. We can't take another caller in one minute. Okay.

Is that it's out of her fear. Yeah. That's what she said. She's terrified. How do I bring it up? Well, and- And she doesn't want to get with a guy. Exactly.

That's it. And so fear, I don't think is the best motivator in life. I think it's a great motivator at times. I agree with you. But let that fear understand why is that your fear, Hannah? Is it because you want to feel provided? You want to feel connected? Like understanding that why the fear drives you.

That's going to help also to unpack and kind of pinpoint who you want. That's right. You can call me Dr. Joan Deloney. Yeah, I like that. I like that. But you know what else is important, I think, to point out? Get your quick perspective. You don't want to go into it feeling like you've got to find the guy who agrees with you lockstep on everything.

Certainly not money. They may not have any education. They may not have the knowledge that she has. She's been working baby steps since the beginning of the year. She's already at baby step three. So give folks some grace. Be patient with them. Hey, they might believe in Baby Step 3. So give folks some grace. Be patient with them. Hey, they might believe in the Baby Steps, but if they don't know it, don't discount them because he's got credit card debt.

There you go. All right. Hey, we're taking your questions about life, money, work, the whole nine yards. She is Rachel Cruz. I'm Ken Coleman, and have seen the news recently about ransomware, cybercrimes, identity theft, and more and more data breaches. If you thought it was bad before, let me tell you, it's gone off the charts and it's out of control. It's impossible any longer to just bury your head and hope it doesn't happen to you. Today, it really is a matter of when it will happen and not if. We all live in this cyber world and need to make sure we

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that. Wisconsin is where we go, and Ashley is there. Ashley, how can we help? Hi. My husband and I are both 23. We're on Baby Step 3, and I make $40,000 a year. I'm working as a subcontractor for the post flow service. And then my husband has a couple of different jobs and he makes about 20,000 a year. And I'm just wondering, um, I did a farm apprenticeship a couple of years ago and my family has a farm. Um, and I really want to be doing that with my life. Um, and I don't hate the job I have now, but it just gets better and better. I don't know how to justify taking a pay cut to do what I want to do.

Okay, so tell me how big of a pay cut it would be. You're making $40,000 now. What would you make if you went to work for something you've identified, I think, prior to this call, on a farm. Well, I do work for my parents. I do kind of subcontractor stuff for them. So I raise cattle and chickens for them every year, and I make about $8,000 right now on the side. And it can be extended some. I just don't know how much. And I make $180 a day flat rate doing the postal service work.

So I just feel guilty every time I take more time to invest in the farm because I know I can be making $180 if I was just at work, and I can make so much more being there even though it's not what I want to do. Sure. Well, first of all, you don't need to feel guilty. You're not doing anything wrong. It would be one thing if you were being paid a salary and you were staying home watching soap operas. I might be fine with some guilt about that, but you're not doing anything wrong here. So let's remove the guilt.

I've got a couple things to unpack here. So the $8,000 you're making for your mom and dad on the farm, if I heard that correctly, is that included in your $40,000 total? No, it's not. The $40,000 is from the Postal Service. Okay, good. So you're making $40,000 total? No, it's not. The $40,000 is from the postal service. Okay, good. So you're making $48,000. Yes, I'm making $48,000. Okay, great.

Why is your husband only making $20,000? If I heard you correctly, you broke up with two jobs. What's he doing? He works for a tree service in the summer that he makes about $11,000 at, but it's seasonal. We have a lot of snow here in the winter, so they can't do work from November to April. And then we just are opening a butcher shop on farm this fall. And so he's starting that, but it's starting out slow. So we're trying not to go into debt for it.

And so it's not, we don't have a bunch of employees or anything, so he's not making as much as he gets. How long before you're through baby step three, and how much do you have to save to get there? I'm hoping to save about $7,500 more, and we should be done by about January. Okay. So a couple things here. I'm assuming your hubs is on board with you and

your passion to work on a farm, correct? The family farm or any farm, right? Yes. Okay. So I think you have to answer this question and you can't answer it right now, I don't think, because you haven't done the research. The only context you have is you're making $8,000 working for your mom and dad. I think that's awesome. But you need to go do some homework in your area and go, okay, what job positions are out there? They don't even have to be open. We just want to do research that will pay $40,000. Let's just start there, okay?

Let's call it 40 to 50 since you're really at 48. So let's look at what jobs in our area on farms pay $40,000 to $50,000. We've got to get really knowledgeable on that so we know what the target is because that becomes a target. Now, again, they may not be open, but that's okay because now we have a target. So that's your first homework assignment. I want you to be able to see what's possible.

Secondly, I think this is a steak dinner with hubs. And you say you called in the show and this guy named Ken, he probably doesn't know who I am and he doesn't care and I don't care either because I could be the bad guy here. And I think you just say, look, he thinks that we've got to step our game up in totality. And so maybe the butcher shop, maybe not the best time to do that.

Or if we're going to do the butcher shop and go for it, yes, we're going to cash flow it, but it is a true side hustle. So maybe it becomes like your farm job for mom and dad right now, and he's no longer doing the seasonal tree job. He's going out there, and he's getting himself a job making anywhere from $15 to $25 an hour. And Ashley, I know this is possible because we are in the hottest job economy in the history of the United States. And you just go down there and do the math with him on a calculator what $15 an hour pays, and if he can increase his income and we treat the

butcher shop as a side hustle, so any money coming out of that is gravy, and you transition into the farm work, I think that's the path. Rachel, any thoughts on that? I think that's a marital discussion to go. We collectively have got to work on the dream together. And I'd like to see her move from the postal office pretty soon into a farm job. Yeah, absolutely. And Ashley, too, from the numbers perspective, understanding, okay, what level of lifestyle are we wanting or okay living at? Because there is a choice there right that you can work 40 hours a week he could go do exactly what ken said and you guys you i mean who knows you could

be making 100 grand a year double he could be making 40 000 yeah so i'm like and if you you know stuck it out and you guys did something on the side the butcher thing took off i mean like there's a level where you're like yeah you can make 100 grand a year which is awesome but if that takes away and that's not what you value, you would be okay at 60 doing something you love. It's those kind of conversations. It doesn't always have to be this or that. Ideally, you're doing what you love and you guys are just killing it financially. You're able to win and change your family tree and be generous and all of that. But sometimes it is that question of, okay, do I take the pay cut to do something I love?

And is the lifestyle change going to be okay? And it's worth it, right? So actually, I remember we had some friends, two lawyers worked their butts off and made a lot of money. But they, you know, kids were in daycare. I mean, it was, you know, 50 hour a week job for each of them, but they made a lot of money.

And they, for them, it was like, yeah, we're making this money because now we're able to do amazing stuff with our kids. They took two weeks off every summer and traveled. They were able to do things, and that's what they valued. I also had friends, and he was a teacher. She was a stay-at-home mom. That's right. They lived with four kids and their tight budget, but they were like, you know what? We would rather sacrifice lifestyle to do what he loves and to do it. You know what I'm saying? I don't know, Ken,

is that congruent with what you teach? No, I think you're spot on. Ashley, and so that's really one answer to your first question. I want you to see what's out there. I think there's probably better options than you think out there. I don't want you to assume you're going to take a pay cut to go do what you love. That's a great point. But Rachel is also making a very good point

that, hey, let's say that you find a great job on a farm that pays you $32,000. Then you adjust your lifestyle. And again, Hubs wants to do the butcher shop. That's clearly a passion play. Is that right? That's his dream to have the butcher shop? Yeah, and we have it built now.

So it's just a matter of starting. Great. But here's the deal. But here's the deal on that. It's okay for that to grow slow. All right? So if he's got a day job for a year or two while the dream job is growing on the side, that's fine. So I think you guys are in great position. I want you to walk out of here going, huh, I don't necessarily have to take a big pay cut.

Let's find out what's out there. And then Rachel's right. If you guys make an adjustment and your collective income doubles, which I think it can for a season until Hubs gets the butcher shop going, then you guys are in fantastic position. Before you know it, you're out of Baby Step 3. You're saving in Baby Step 4 15%. And now we're able to invest for Baby Step 5. A whole nine yards.

And before you know it, you're living the dream. And by the way, this is why I wrote the book From Paycheck to Purpose. Rachel, you can make income the income want, and the impact that you want. And that's where she'll be. They're doing it. And they're 23. 23. So this is an amazing question you're asking, Ashley, because if you guys can nail this

and at least be on the path, the answer doesn't have to be next month. It doesn't have to be in the next two months. But you guys are working towards a life, a full life from lifestyle, career, finance, all of that that is congruent together. This young, it's a beautiful thing. It is. That can happen.

It's really fun. And I love it. I love to hear that story. Both of them having their dream. Yeah. And by the way, very congruent. Yes. She wants to be around livestock and agriculture.

He wants to run a butcher shop. That's really cool. Send us the info of the butcher shop. Thinking about, we're thinking about going in for a cow. You are? Yeah. Once I haven't talked about it. Dairy cow?

Yeah, but for all the meat. Well, yeah, it's a dairy cow. So dairy cow's not for meat. Ashley, we need to have a phone call and teach me all the things. We've got Ashley on hold. Let's keep her on hold

so she can give Rachel an agricultural lesson during the commercial break. Oh, my goodness. Ashley, great work, though. Great work, Ashley. Well, so I want a couple steaks out of that cow. I know.

Let us know, Ashley. Just for the record. Give us a price point. James, I'm what they call a city slicker, and even I know that a dairy cow doesn't give you meat. I'm just going to leave that there. Sharon Ramsey would be so disappointed in me right now. Oh my gosh. That's why we love her. She's Rachel Cruz. I'm Ted Coleman, and this is The Ramsey Show. This is The Ramsey Show.

We're thrilled to have you with us. I'm Ken Coleman, joined by my colleague, Rachel Cruz, and we're taking your calls this hour, 888-825-5225. Your money calls, your life calls, work, getting that bigger shovel, doing work you love and crossing over into something where you make income and impact. We even took a call about how to date and move through the baby steps. So, I mean, we're just taking your life calls. So we love it.

And I'm a rancher, apparently. You are. I know a lot about farming. Yeah, it's very exciting. You can answer that. It's very exciting. Rachel Cruz buys a cow. That's coming to her YouTube channel. So stay tuned for that in the days ahead. But now we go to Amy,

who joins us in Denver, Colorado. Amy, how can we help? Hi, thanks for taking my call. I'm looking, I think, for some outside guidance. First, I have to say I'm blessed for the life I have. I'm grateful. I'm restless, though, and I'm discontented six-figure job, lots of hours, pretty miserable. I just had an opportunity to leave it, and I wanted, I know I needed to be part of community. That's the only thing I could come up with. I want to be more involved with community. I took a job, you know, cut my salary in half and I took a job and it's great. I love working 40 hours. It's really nice.

You know, but I'm not stimulated. I'm not challenged. It's nothing out of it. And I kind of conceded, okay, if I want to get back into challenging, that means I'd have to manage people, which I'm not quite sure I'm the right person for. I've taken all kinds of steps to, you know, professionally network and do presentations and do stuff outside of my comfort zone. And I'm in a different sector. And so I'm, you know, obviously I'm young in the sector, and I'm looked at as pretty much zero experience. Amy, so are you telling me you have no idea, you have no direction, there's not something that you'd want to try professionally if lack of experience,

lack of connections, lack of fear, lack of doubt, if I could just wipe it away? You're telling me you have no idea, you haven't wondered about a type of work? Oh, no, I have. That's what I want to hear. I want to hear, what would you do tomorrow? This is a simple question, and I need you to suspend your brain here. This is a heart-only answer. What would you try tomorrow? You'd have to commit the rest of your work life to it, but you'd try it if you knew you couldn't fail. What work would you do? It it's kind of it's a motivational thing coaching coaching who you know the answer don't even hey i saw what just happened by the way i do this every day on the ken coleman show so now you're trapped all right and this is a good thing

you know the answer who do you want to coach it's women and i laugh because uh it's just in the last five years women have become a part of my life and and I've always been around men, so it's just funny. Okay, so I understand you want to coach women, but what challenge do they have that you want to help them solve? To overcome obstacles that they can't do it. Can't do what? Well, there's different things. I've done some physical fitness type stuff, and I've seen women come in. It's their first time, and they're not making it through, and I run next to them and do push-ups with them. I just took a bunch of ladies out on a mud run who's never done it before. I've consulted with fundraisers who don't know how to fundraise, and I'm not a fundraiser, right?

You know what you are, Amy? You personally are a go-getter, and I think if we were to just pick one word, and I don't want you to, after this phone call, lock into this word and make it your personal brand, but I want you to just open your mind to this. But I think you are a coach. And when you say you want to coach, it's because I think you are a coach. I think that's just who you are. You kind of just bounce into people, and when you see them down or a little bit different,

and they're not where they're supposed to be, you can see they don't have their spark, and you want to figure out why and then help them get their spark. Is that a fair, close analysis? Yeah. Okay, so here's the deal. For today, let's just say you want to be a performance coach. I think you've got to do some research on this and we got to figure out how we transition. I think that's the biggest, scariest part, but you could be a life coach. I don't

really care what you label it, but I think you got to look at where am I going to specialize? Excuse me. Where am I going to specialize? Now you may offer a suite of things. Maybe you offer some financial coaching and some nutritional exercise, of things. Maybe you offer some financial coaching and some nutritional exercise fitness coaching. Maybe it's more in the career space. I don't know, but that's your homework assignment. You got to go, okay, what's the list of challenges, your word, obstacles that women face that you get the most juice when you think about helping those women climb that obstacle. Therein lies your answer.

Now, we've got this day job, and so we've got to look at the financial piece, how we make the transition. So once you know what you want to do, you ask this. In fact, I'm going to give you four qualifying questions. You got something to write with? I'm ready. Great. First thing is, once we figure out the type of coaching we want to do, we have to ask, what do I need to learn? This is the education question.

It does not mean a four-year degree necessarily. In fact, in this case, it's not. It's some certification is what we're looking at. So that's the education question. What do I need to learn? Second question is what do I need to do? What's the experience question? What experience am I going to need to do to get to where I start getting some people, some women in, and I coach them?

Leads to the third question. What's that going to cost me? That's the financial question. What's it going to cost to get qualified? How am I going to sacrifice some of my work time? You know, that's what we're looking for. What's the financial cost? That's the economic question. And the fourth one is the expectation question. How long is this going to take? Now, when you get the answers to those four questions, Amy, guess what you've got? A plan. And you're going to walk into it. You're not going to jump.

You're not going to leap. And you're not going to put your day job at risk. So this is, again, most likely a side hustle unless in Denver, a fairly good-sized metropolitan area, unless there's some type of position like this at a corporation that wants a performance coach and you can help women there. You just got to look everywhere. But this is the direction you got to look. And I think if you do it, you're going to find it. Okay. Got it? Yes. Thank you. You bet. Thanks for the call. You know, it's interesting, Rachel, when I get these calls, of course, every day on the Ken Coleman Show, but when someone tells me, I just don't know, I just don't know.

I've never had somebody, when you dig and you push, they go, they don't know. What they really mean is, I'm not sure. And there's a difference between, I don't know what I want to do or I have no idea. I'm completely clueless, Ken. And I don't know how to get there. The first one's not true. The second one, very understandable. How do I get there?

There's fear. There's doubt. But this is a woman who's been very successful made really good money six figures and just walked away because she was in a leadership position and i admire her she went i don't want to lead people yeah probably drains her that and working 80 hours a week too she's like man you know i want a different yeah i want a different scope of life yeah and i think it's amazing i'm like and and more of this i could be wrong maybe it's just my stage of life but amy what she describes though of people going out wanting to do something that fulfills them but even in that space of just helping people like seeing i see that more and more and more and more people are willing to pay someone to help them with that where I feel like maybe 30 40 years ago it was like well just pull your you know I

think you're absolutely right just push through push through but the coaching aspect is beautiful because I think people are willing to learn and they're asking questions and they want help and when Amy someone like her has the answers and some of this experience that she's learned, she's like, I can plug in. Like, I can help. And that's where I think the beauty is. And what you do too, Ken, is helping people find that. Like, what does that look like to be able to help people and you're motivated in it and you're killing it financially? What's that unique role?

You know, all of us have it, whether it's a public role or a private role, whether it's I just like fixing machines. And you're in your happy place when you're left alone to work and fix a problem that's connected to an engine or whatever. And then there's the person who wants to create art. You know what I mean? And they're kind of off in their own world and they're creating, or writers or engineers or teachers. What it comes down to, again, is what you heard from Amy was she's encountered

some women. There's been some personal experiences that have driven this purpose. She's kind of going, I've always had direction. And I don't like when I see my sisters out here who don't have direction. Or don't think they can do it. Don't think they can do it. And she's the coach. She's just the general coach. So really good stuff. Amy, you're very inspiring. Thank you so much for calling us. You're going to do great things to help women in the Denver area. So go with everything you got. Hey, I want to thank my colleague, Rachel Cruz. Always fun. I want to thank our producer, James Childs, our associate producer and call screener, Jenna Sears, but mostly you, America. This is your show. This is The Ramsey Show.

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.