The Ramsey Show - App - What You Focus on Is What You Win At (Hour 1)

Episode Date: November 28, 2018

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Live from the headquarters of Ramsey Solutions, it's the Dave 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. Thank you for joining us. Open phones at 888-825-5225. And this is common sense for your dollars and cents. That's 888-825-5225.

Timothy is with us in Springfield, Mass. Hey, Timothy, how are you? I'm doing well. How about you, Dave? Better than I deserve. How can I help? Hey, so I just found your show and I've been traveling a lot for work and I've been

listening to this binge listening and I've been talking to my wife. We want to start the baby steps, but we're having trouble figuring out how to do it with her being a teacher and only getting paid 21 paychecks as well as our combined salaries such that

she wants to keep the retirement going to get the match. So I'm just looking for some advice on how to look at starting. Okay. All right. Well, as far as the budgeting part goes, you do a unique budget each and every month. And so you look at this month and see how much money you have coming in this month. And so if she gets paid every two weeks you have two magic months a year where you get three checks the rest of the month you get two

checks and so you just look down and go how many checks am i getting this month and we we budget out and we spend this month's income on this month's goals and bills and so that that helps you to align it then um when you i always call them magic months it's not i mean there's 26 two-week periods in a year so um you know it comes out more than it comes out with two months getting three checks is what it comes down to so um generally may and september or somewhere in there depending on how your stuff is set up but anyway that that's how you do that um as far as the other part goes you guys just you know you're starting to explore this idea of the way i've been handling money hasn't given me the result i want right and so i need to start

handling money a different way and um and obviously that led you to binge listening to the show and, you know, considering using the baby steps and all of that. And so I think you kind of have to make a philosophical, spiritual decision at some point in the process. So basically what your wife just did, if you think about it, was let's pretend that I have a keg instead of a six pack, which I do. I've got a belly. Okay. And I hire a personal trainer that has an eight pack.

And he's standing in front of me. Looks like a Greek God. Right. And he says, eat this food. And I say, oh, well, yeah, but I think I don't want to do that. Right. Gotcha. And that's kind of what she's doing. OK. OK. So, in other words, you have to submit yourself to a system that has a proven track record of giving you the result you want. Or you're not going to get the result or you're going to get the result-ish because you-ish did the thing.

You know, we did the baby steps-ish, right? Yeah, and that's the concern. Yeah, and so here's the logic behind it, and maybe that will help her. I don't know. I have no idea. You see, the thing is you've got more information about this whole Dave Ramsey process than she does, because you're listening to this crazy guy on the radio nonstop, and all she knows is you came home with weird ideas, right?

Yeah, exactly. You're dealing with a whole lot more information than she's got, and so you need to catch her up on some of that stuff that you're hearing, and then maybe that'll help. But the reason we stop it, even though it's mathematically incorrect, we stop all investing. What we found is, is that what we as human beings focus on is what we win at. The way you ended up married is you focused on her. To the exclusion of a lot of other things.

You were like crazy. You were like weird. You were so in love. Your friends thought you'd lost your mind, your family. You didn't call your mother enough. I mean, you were totally focused on her. Otherwise, you wouldn't have gotten married, unless there's some kind of dysfunction here. You know what I mean?

So what you win at is what you focus on. People who run a half marathon or a marathon, you have to focus on the training. And so what we're saying is the focus, the power of focus, supersedes what little bit of math that you lose with the match for the short period of time while you're working the first three baby steps, getting out of debt and building. Yeah, you just complain about losing the compounding interest. Yeah, I know.

But my point is, the compounding interest is zip compared to what you gain with focus. Because overall, what happens is, is if you get out of debt, you've got a lot more money to build wealth, and that is more important than the compounding interest. Now, if you don't do anything else, you know, if you don't play all the way through and you miss out on the compounding interest, then that would be dumb. But, you know, Einstein said compound interest is the eighth wonder of the world. I believe in compound interest. I believe in investing.

I want you to get all of that working for you. But for a short period of time, temporarily completely focused on getting out of debt has a much higher probability of you actually getting out of debt and therefore having control of all that money you used to give to banks to build wealth with. And that will result

10 years from now in more wealth than doing it her way. And we've proven it with millions of people doing this. So financially speaking, you know, I've got an eight pack financially only. Well, actually, somewhere under there probably. Open phones at 888-825-5225. Scott's on Instagram following me there at Dave Ramsey. Do we delay having another baby while I'm in grad school?

Having another child will require student loans. I don't know why having another child will require student loans. That makes no sense at all. Unless your wife being off from work means that you won't be able to do this. But if you have to borrow money to have a baby, then I think you probably answered your own question. You're not ready to have a baby at this stage. Or you've got to rearrange some other things in your life,

which I think is probably what has to happen here. So I think it's a false premise. I'm not going with your premise. I don't think the only way you can have a baby while you're in grad school is to take out student loans. I think you just haven't figured out how not to do it yet. So kids just don't cost that much. I mean, oh, I know diapers and four million pediatrician bills. I know all that's there.

I know that's real. The biggest loss, though, usually is mom being off from work, and it sounds like she's the only one working right now. So maybe while you're in grad school, if you want to have another baby, you work. Oh, there we go. So maybe we delay grad school by one semester. Take one semester off and then go back. Oh, so which more important now? You know, now you got to decide.

But I think it's a false premise to say the only way you can continue in grad school and have a child is to borrow money. I disagree with that. I don't think that's true. So, anyway, something for you to think about. Open phones this hour. Special guest coming up next, my friend Steve Ducey from Fox & Friends. Going to join us for a segment to talk about a new book he's got out. Excited to have him here on the air with us.

This is The Dave Ramsey Show. I get asked all the time about what people need to do to improve their family's money situation. Two of the most overlooked things are term life insurance and disability insurance. Both plans make sure that you have income to pay bills and take care of yourself and your family if something were to happen. For term life, you need to carry 10 to 12 times your income, and I recommend 15 or 20-year plans for most families. Stay away from cash value or return of premium plans. They're just a rip-off. Disability insurance is just as critical.

How are you going to pay your bills if you're unable to work? Disability is the leading cause of bankruptcies and foreclosures. That's why I send you to Zander Insurance. They've been helping my listeners find the right plans at the lowest cost for almost 20 years. Call 800-356-1780 or visit zander.com and compare online that's 800-356-1780 or zander.com So around 15 years ago or so, I started doing regular appearances on Fox & Friends. We had a Fox Business show when Fox Business first launched. And to this day, we still regularly head up to New York and do Fox & Friends,

me and the other Ramsey personalities, and hang out. And in the process, have become good friends with my good friend Steve Ducey, and I'm so proud of him. He's got a new cookbook out with his wife, The Happy Cookbook. Hey, Steve, how are you? Hello, Dave Ramsey. Terrific. Now, I know Mrs. Ramsey has a copy of the cookbook. Has she prepared anything fantastic for you yet?

She has not prepared anything yet from the cookbook, but actually, we were talking over coffee this morning, and I told her you were coming on today, and she said she loves it. She's already been flipping through it, picking out and marking certain recipes, so I think success is on the way, my man.

Oh, fantastic. Well, thank you very much, David. So nice to talk to you. You know, one of the things about folks listening about Dave Ramsey is he has such a nice way about him when he's not on camera or behind the radio microphone. He's really as nice a guy as he seems on the radio. And that's kind of what we were looking for when we were writing the cookbook was, you know, away from work, what do people do in our business and every business? Well, they do the things that everybody else do. They make dinner for their families, and they hang around the table and tell stories, and that's really what the cookbook's all about. We figured out there are – it seems like every person has a food that makes them happy.

And every October 19th day, my wife will say, now you want your mom's pot roast, right? And I'll say, absolutely. And you want the German chocolate cake she made, right? And I'll say, I do. And she'll make it. And when I walk in the house, it takes me back to the days when we were growing up on sunset drive and solana canvas and mom was in the kitchen and life was perfect and it just makes you happy just we have the ability to remember with our noses and it is a wonderful thing our taste buds and our noses it'll

take you back in a heartbeat some of the best things in life happen over food without a doubt i mean we celebrate all kinds of things over food and around food, and sometimes you just really get to know people for the first time when you break bread with them. It's good stuff. The Happy Cookbook, Steve and Kathy Ducey. It's fabulous.

It's full of stories, photos, everything. So, talk about one of the stories that's in the book, Steve. Well, you know, over the last year or two, we've been collecting stories from our friends about what particular food is your happy food. And Dave, I'm going to ask you what your happy food is at the end of the story. But I was talking to my next door neighbor, Laura, and I said, well, what is at your house, what is your favorite food? And she said, well, that's easy.

That's my mom's lemon cake. For as long as we've lived across the street from them, she, Elena, has made the lemon cake. Like you were just talking about, all the great things in life happen around meals. Every high school graduation

or college graduation, birthdays, anniversaries, summer parties, Elena would bring the cake. She was known for the cake. I asked her ten times for the recipe for the cake. Everybody would ask her for the cake. And she would make the cake

until the day she died. And her family was at the funeral home, and, you know, they're making arrangements, and Laura's sister said to her, you know, this is the first time we've ever been together as a family when we haven't had mom's lemon cake. And one of the sisters said, you're right, I'm going to Staples.

And three days later, at the funeral mass, right in the back of the church, next to the mass cards were four-by-six index cards with Elena's famous, for the family, lemon cake. So that even though she was gone, because she was known for that cake and so many people loved it, her legacy would live on. And really, it becomes a question, what's your lemon cake? If you prepare food for your family, what will you be known for? Yeah, what's the one everybody comes back to?

That's really good. I had a friend that had a brisket recipe. He was a big hunter, and every time everybody would go hunting and sit around the campfire, this guy would cook a brisket, and he would never give out the recipe. Same deal. We couldn't pry it out of him. And I finally talked him out of it a few years ago, and it's pretty freaking incredible. But, yeah, there's something about that hard-to-get recipe that makes it –

it's the thrill of the chase a little bit. Sure. That hard-to-get recipe. Yeah, exactly. It's the thrill of the chase a little bit, yeah. Sure. You know, for the most part, we had no problem getting accurate recipes. But there was one place where we had been a number of times, and I called them and I asked if they would share the recipe, and they said, absolutely. And so they sent it to me, and I made it so that we could relive the great meal that we had had at this place, and it was terrible. So I made it another time after that to try to figure out what I had done wrong, and it was even worse.

Then come to find out, there are a lot of professional restaurants and cooks who do not want to share their recipe. So if you ask for the recipe, they'll say, absolutely, I'll give it to you. And then they don't give you the same recipe as what they make in the restaurant, which is infuriating. It's just crazy. That's not fair. That's not fair. So obviously your wife is an excellent cook, and I'm guessing that's why you decided

to do this project, this cookbook together. Well, you know what, Dave? When I first met Kathy, between the two of us, I think I probably was a better cook because I grew up in Kansas in 4-H and in FFA. We did a lot of cooking classes and stuff like that. And, in fact, at age 10, I won a blue ribbon at the Kansas State Fair for the chocolate chip cookies that I made. Little known facts about Steve Doocy, the blue ribbon winner. I used the recipe off the side of the Nestle bag. It was that good. And then when I met Kathy, we were both working at NBC in Washington together, and she invited me over, and I got to her apartment.

It was our first date. It was about the time that the fire truck was leaving, because apparently it was a new apartment. She had never turned on the oven, and she didn't know that the owner's manual and all that styrofoam was in it. Oh, no. So it was on fire. and she didn't know that the owner's manual and all that styrofoam was in his brain. So I did it on fire. But by the end of the meal, I said, you know, that lasagna you made was fantastic.

And you are going to think this is weird. This is at the end of the first date. But someday we will be married. And she said, no, that's very nice. Now, please leave. And four weeks later, we were engaged. And five months later, we were married. And that was 33 years ago.

Look at you. Well done. I know, but she was not a great cook until our golden retriever knocked her over and broke her kneecap. And then she wound up having total knee replacement and spent months on the couch just watching the Food Network. And she became an excellent cook because our dog knocked her over and broke her kneecap. There you go. That's how it works. Steve and Kathy Ducey, The Happy Cookbook, available anywhere fine books are sold.

It is a beautiful book. I mean, it's well done. The pictures and the stories and the recipes are all here. It is not your typical just straight-up cookbook. I mean, there's a lot going on here, and you guys will enjoy it as you enjoy Steve every morning on Fox & Friends,

and we've enjoyed our friendship with these guys for a long, long time. This is an absolutely incredible book. Everything from Thanksgiving dressing, I'm just flipping through, Greg Norman's Mom's Crispy Crackling Pot Roast. That might be one to try there.

And man, avocado toast in here. Yeah, we've got the millennials covered. And baked eggs, breakfast pizza. It's all here, man. And good stuff. Very, very good stuff. So, last thing, Steve. What's your favorite recipe in here? Well, Dave, that would be my mom's pot roast. Oh, there good stuff. So, last thing, Steve. What's your favorite recipe in here? Well, Dave, that would be my mom's pot roast.

Oh, there it is. And it's the same pot roast that a lot of people have had their whole lives. It's where your mom browns the pot roast, and then she throws in the whipped onion soup and the cream of mushroom soup, and you put it on the top of the stove, and you cook it all day, and you walk in the house, and boom! I love that. That's it and boom! I love that. That's it, baby. I love that.

Sometimes we throw a can of Coke in there. Yeah. Good stuff. That's good, too. Good stuff. All right, Steve. Thanks for coming on with us, man. Thank you, David.

Steve and Kathy Ducey, The Happy Cookbook. Be sure to pick it up anywhere fine books are sold, certainly on Amazon. It doesn't get any better than that. So thanks for hanging out with us, Steve. Very, very good stuff. Again, good folks, good folks behind the camera, good folks in front of the camera. Steve Doocy from Fox & Friends. This is the Dave Ramsey Show. Why in the world would you trust some random guy in a cube when getting your mortgage?

Do you really think he cares about your long-term money goals? Well, he doesn't. Those companies care about getting you into whatever home loan program they're pushing that week. When it comes to ordering a cheeseburger, the meal deal works fine. But let's get real, people. We're talking about the largest investment you'll probably ever make, so don't be naive and trust an order taker who pressures you into a prepackaged loan. My friends at Churchill Mortgage have been helping my listeners for over 25 years.

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DaveRamsey.com. Check the store or call Customer Care. They'll walk you through it at 888-22-PIECE, 888-227-3223. Ari is with us in Ontario, Canada. Hi, Ari. How are you? I've had a better day, Steve. How are you? Better than I deserve. How can I help? So I've had trouble managing my money

past couple years. So long story short, I'm 23 years old and when I was 18 years old, I got out of high school and I wanted to be in the workforce. So I've been working for a couple years trying to figure out what I wanted to do. So what I did is I started saving cash for my car. I ended up saving cash for my whole school. And my dad was fighting colon cancer for a couple years. Eventually he passed away, and I started school three weeks after. So I had all my school paid for and everything, and then when I went to school I basically spent all my money that I had saved.

So I basically took a student loan, and then from there it was bad decision after bad decision. What did you spend the money on? Just spending on clothes and just stupid spending, right? So it wasn't the smart move to do. So I went to school for a couple months, and I did drop out because I didn't want to be in the policing. I wanted to be something more hands-on.

So I did take an apprenticeship for contracting, and I'm happy with what I'm doing now. So I did have a car loan that I did take at the time. How can I help you today? So what I want help with is just trying to figure out how to tackle my debt and try to basically have a bit of insight of what to do next. Okay. All right.

Well, the way you tackle your debt is you get on a written game plan, which gives you a roadmap on how to get to where you want to go. And if you want to get there badly enough, you avoid all the things that trip you up along the way. And so obviously the less you spend, the more you've got to put on your debt. And so it's how badly do you want to be out of debt? And if you want it badly enough, you'll do it. And so, you know, it's people change their lives and transform the way they look at

and handle any area of their lives, money included, based on how when they've had an I had it moment. And so you went through doing a bunch of stupid stuff. I went through doing a bunch of stupid stuff when I was in my 20s. I went completely broke and bankrupt doing it. And you haven't gone that far, but you've got a story to tell already, and you're only 23. So you can look back with regret and go, man, I really screwed that up,

and so I've got to get this straightened out. that's the that it's a healthy level of disgust that says i've had it i'm not doing this anymore and so we're going to lay out a plan a written plan a budget and you're not a dumb guy if i hired you and paid a hundred thousand dollars a year to manage manage a budget your size you could do. So it's not a math problem. It's a guy-in-your-mirror problem. And you just write it all out, lay it all out exactly, and then you stay on the map. I mean, if you lay out a map to drive from Ontario, Canada, where you are, to Florida, and you get off the exit and you never get back on, guess what?

You're not getting to Florida. You know, I mean, this is not you have to stay on the path to get to your goal. So you have to lay out a very clear goal in detail, exactly what you want to accomplish, and then take the steps to accomplish it. The thing about achieving goals, folks, no matter what they are, whether they're business goals, income goals, sales goals, weight loss goals, I don't care. The thing about achieving goals is it's not what you're willing to do to hit the goal that's the problem. It's what you have to give up.

And you have to choose what you're going to give up. No one wins without paying a price. Winning always has a price. It always has a price. And so that's what you've got already you're going to pay a price to win and that's no clothes shopping that's no you know you stay out of the mall a drunk stays out of a bar you know you don't go in a bar if you're drunk it's kind of dumb you don't want to go in there and hang out it's going to create a problem for you so same kind of situation and uh you know you've just got to put yourself in a position where all i do is work I want to go in there and hang out. It's going to create a problem for you. So same kind of situation.

And, you know, you've just got to put yourself in a position where all I do is work, and all I do is pay bills, and all I do is get out of debt. And I'm completely focused on that. And I stay away from situations and things that cause me to spend money that I didn't plan to spend. And so you don't put yourself in those positions. You don't go in those stores. You stay out of them. But you lay out a guideline here of exactly what you want to do and exactly how you're going to get there.

And then it's just a matter of intellect to say, I can't do X or Y because I want A, B, and C. You're always going to give up something to get there. Allegra is in St. Petersburg, Florida. Hi, Allegra. How are you? Hi there, Dave. Thank you for taking my call. Sure. What's up? I'm a new listener.

I own three properties. I'm primary residence here in Florida. Another investment property, which I just acquired, and a rental property in New York. I would like to pay off one of these mortgages sooner rather than later and try to get myself into a position where I'm not paying three mortgages. Okay, that makes good sense to me. Yeah. So my first inclination is sell the property in New York, and whatever equity comes out of that, pay it on your home,

and let's work to get your home paid off. How much do you owe on your home? Primary residence? Mm-hmm. I owe $266,000. What could you get out of the New York property in cash in your hand if you sold it? How much equity? Well, I am emotionally attached to that home, and at some point I may return there.

So I'd like to hang on to that property if that's an option. What's your household income? Well, the rental income all combined comes to $133,000. That's all the rental incomes? Yep. And that's your only income? Correct. I'm a part-time massage therapist, so I don't really factor that into the numbers.

How old are you? 47. Okay. Well, it just depends on what you want. It's almost like what I was just talking about. You've got to decide. You just told me, I want to keep the house in New York, and then you told me before that, I'd like to get out of debt.

Right. And I owe $750,000, and I make $100,000 a year. So getting out of debt with those ratios is going to take a while. Agreed? Right. Agreed. And so that's why I sold the house in New York. But if you want to keep the house in New York,

you need to decide which of these goals is primary, because it's going to lead you. If you want to keep the house in New York. But if you want to keep the house in New York, you need to decide which of these goals is primary because it's going to lead you. Now, if you want to keep the house in New York, you're not getting out of debt anytime soon. It's not unless you get your income way up somehow or another, because the math is simply not there. So what are you willing to give up to hit which goal? And so I'm going to keep the house in New York. That's my primary goal.

So that means I'm going to give up this idea of being out of debt or I want to be out of debt. So I'm going to give up the house in New York. That's my primary goal. So that means I'm going to give up this idea of being out of debt or I want to be out of debt. So I'm going to give up the house in New York. Oh, by the way, if I ever move back there, they still have houses there I could buy and you can buy something else. So you need to investigate in your own mind why you're actually emotionally attached to a piece of real estate. Unless it was the house you grew up in, that'd be really weird. And you need to think that through. So i own a whole bunch of real estate i'm emotionally attached to almost none of it like none of it i mean i there's some of it i like more than others i've got a farm that i really like it's a cool place i really don't intend to sell any of it, but you know, you've got to decide. You've got to decide which goal is most important

to you, because you cannot have all of it. The cake and eat it too thing doesn't work. You can, but it's just going to take you forever. This is the Dave Ramsey Show. We'll be right back. Thanks for joining us, America. This is the Dave Ramsey Show. Open phones at 888-825-5225. Chance is with us in Nashville. Hi, Chance. How are you? Chance?

I'm having a day. Uh-oh. What's up? Well, so I had a question. My question was, how do I differentiate myself to employers? So I graduated with a business degree in economics May 2017, and I've been looking for work ever since. So I graduated. I was on the dean's list every single semester save one of my college career,

and I graduated cum laude. Good for you. And to give you a little bit more of my background, since age 17, I've been independent, and so I've worked my way through my final year of high school and all four years of my college. So it's been tough. What do you want to do? I didn't get... What do you want to do? I've trained... What do I want to do? What do you want to do? What do I want to do?

I train to be a data analyst, so I'd like to get a job in that field. Okay. All right. And what do you think that that position is worth? So the going market rate for that, the median, is $52,000 a year in salary. That includes people with experience that are not straight out of college, right? No, no, no. That is for people who are supposed to be out of college,

bachelor's degree, to have zero to one years of experience in the field. Oh, okay. All right. Because I've got some data analysts here, and I knew they made more than that, so I was wondering where you got that okay all right cool well um so uh first thing is go to ken coleman uh ken coleman's website the ken coleman show or ken coleman.com either one and uh you want to download his two pdfs there how to distinguish yourself in the interview process and also how to write a resume that'll actually get you an interview now um a couple things one um most employers unless they're

like huge huge companies uh um sadly really don't care about whether you're on the dean's list. They really don't care what your GPA was. I'm glad you did that. It does indicate to me as an employer that you're a smart guy. But truthfully, all I care about is can you do the work here? That's what I care about. And to the extent that that indicates you can do the work, fine. But I'm going to be concerned about your street smart as well as your book smart as to whether or not you can actually pull that data up and use some common sense to look at that data does that make sense it does okay and so what

any employer i mean you got a degree in econ know this. What any employer is looking for is a return on investment. So if they're spending $60,000 on you, they want to make $600 from the data you produce. And so you've got to produce data that gives them some kind of insight into their business that causes them to make money. Is that logical? It does. Okay. So what are you doing for food to eat right now? What kind of side hustle or a part-time hustle or something while you're trying to eat, right?

Yeah. So I finally received part-time employment this past June, and I'm a courier. And so I deliver pharmaceuticals to hospitals, regional hospitals. And when I complete my runs for the day, I usually do DoorDash. So I deliver food. Gotcha. Okay, so what are you making? How much money are you making?

How much money are you making? It really varies. I think roughly a month. In a given month, what do you make roughly? In a given month, roughly $2,000 to $2,500. Okay, cool. Half of what your market value is as a data analyst then. All right, cool.

All right, here's a couple of ideas, and I don't know exactly how to help you break through, but I will tell you that you need to be really, really careful in the language that you use, your sentence structure and so forth, that indicates when you're talking to a potential employer that you don't feel entitled to anything, that you don't feel put out you sound a little put out that somehow everybody hasn't lined up to hire you okay and if you transfer that to me in an interview I'm not going to hire you because what that tells me is a hiring manager is nothing I'm do as an employer is ever going to make you happy that's what I hear okay and I your frustration, but I'm coaching you. You follow me?

I hear you. Okay. So go in there and say, how can I add value? Not you owe me something. And you weren't saying that overtly. Don't misunderstand me. I'm not picking on you. But just be very careful that you're there to serve.

When I have someone come in here that says, if you pay me 60 i'll make you 600 and i can show you how that's somebody that gets me in my attention if i hire a sales rep and i'm going to pay them 10 commission it's the same thing right i'm paying them 60 i'm making they're bringing in 600 and gross revenues right and so i can do that all day long if I think the guy or gal can sell. And so I can add that salesperson because they make me more than they cost me and all of that kind of thing. So that's what you're doing. So a couple ideas to throw on top of this. Three ideas.

Number one, go to Ken Coleman's website and download both of those PDFs. They're legit. They will give you some good. It's how to win the interview and how to write the perfect resume. Resumes are worthless, though, without these other two ideas. Idea number two, you need to find someone that works for the company. I don't care if it's in shipping that you want to go to work for, that you can make a connection to, a friend of a friend, a friend,

somebody you go to church with, whatever the deal, right? And so they can walk your resume into HR or into the hiring manager and say, hey, at least give this guy a look. Because here, let me give you an example at our place. We hired 200 people last year. We're in your city. We had 15,000 applications.

You get lost in that no matter how cool you are. Does that make sense? I understand that's how I got my current job. A friend of a friend. There you go. A friend of my science school teacher. Yeah, we got to get, just get me in the door. Now, I'm not asking you to hire me because this guy.

I'm just asking you to get me in the door. And let me get in front of them okay then go in there you know all polished up not weird not nerded out but i mean you you know you combed your hair you brush your teeth right you're wearing a belt all that stuff you're dressed appropriately for that particular workplace you go in there you smile you look the guy in the eye and you say i can add value all i need is a shot i will bring in this company this organization more than i cost and i can show you exactly how i can do that and as a matter of fact have done a little bit of research on the company itself so you can actually show them how you're going to do that right say i've already looked at this area over here i think i could

do something in that area. Then, last idea. If none of that works, here's a way to break in. Offer to work for three weeks for free. I'm going to come in here and show you. I'm going to give you a sample of this pizza, and you're going to want the pizza. I'm going to give you a sample of this biscuit. You're going to want the biscuit. And I'm not trying to be weird. I'm not trying give you a sample of this biscuit. You're going to want the biscuit. And I'm not trying to be weird.

I'm not trying to be strange. But I will come in here and work for three weeks for free and get my feet in here and show you guys that I will do anything that it takes to add value to this company more than this company pays me. I just want a chance to be a blessing. I want a chance to serve this organization this organization's customers and um if you kind of come at it that way with that attitude and you're that body language that tonality with your voice and it changes your sentence structure and uh that's

what i was kind of coaching you on a little bit earlier your sentence structure and the way you approach the thing the emotion you're using because because I got to tell you, they are they're not hiring you based on your degree. They're not hiring you based on where you went to school. They're not hiring you based on the dean's list. They are not hiring you based on any of these things. They are only hiring you because they can make more on you than you cost them. And that's what we're trying to convince them of. Based on our education, based on the tools that are in our belt,

based on the way I carry myself, based on my street smarts, I've got to tell you, the fact that you've been independent on your own since 17 is probably more impressive to me as a potential hirer than the Dean's List. So there you go. Something to think about. Good job, Chance. You got them. If I can help you further, about. Good job, Chance. You got him. If I can help you further, you call me back, man.

This is the Dave Ramsey Show. Hey, guys. It's Blake Thompson, Chief Production Officer for the Dave Ramsey Show. This hour's up, but you'll find more on our YouTube channel, where we have over 6 million YouTube views each month. You can find debt-free screens, millionaire hour clips, Dave rants, and so much more. Go check it out.