The Ramsey Show - App - Workplace Cringe: When Your Co-Workers Drive You Crazy (Hour 2)

Episode Date: March 11, 2022

George Kamel & Ken Coleman discuss: Don't go into debt just because you're too impatient to wait, Things your co-workers do that drive you crazy, The awkwardness of leaving a job, Talking your girlfriend out of getting a credit card. Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

🎵 Live from the headquarters of Ramsey Solutions, it's The Ramsey Show, where America hangs out to have a conversation about your life, your money, your career, your relationships, and everything else. I'm George Campbell, your host, joined today by my friend Ken Coleman. We are taking your calls. The number to call is 888-825-5225. If you need some confirmation, some affirmation, maybe there's a job change, you're not loving your career, you're not sure where to store the emergency fund,

you name it, we'll try to help, Ken. We will try our best. Sure, but we're going to be able to help. We've got proven, clear paths, full of principles that if you do it, it works. I'm just throwing a little extra confidence in you. I was alluding to the fact that we've got opinions and we're experts on our opinion. Well, that's true. There we go.

It's absolutely true, George. Well, people are doing it. JT is on the line to kick off this hour in St. Louis. JT, welcome to the show. Hey, hey guys thanks for taking my call absolutely how can ken and i help okay um let me start by saying i'm i'm getting ready to do something i don't want to do but i'm also going off of the mantra uh happy wife happy life oh boy oh that's a setup boy oh boy jt that's one of the better setups i've ever heard. I can't wait to hear what this thing is you're about to do

because your wife is making you. Go, JT. Just a preference. We are debt-free. We paid off our mortgage and all our bills last year. Baby Step 7. Yes. Wow.

Way to go, man. Thank you, thank you. We just haven't moved our way east to do the debt-free streams, but I'm dying to do it. So I promised my wife a car or a Jeep. She found one. You know, they're very hard to find. Apparently, she found the one color that is like you can never find. So we've got about $37,000 in savings, which that is our emergency fund, but also our car fund.

Uh-oh. Apparently, the Jeep's coming in in two weeks. I got a pretty good price, but we're going to be about $15,000 short. Hold on. Hold on. Hold on. Hold on. Hold on.

I've got to get some details. I don't want to interrupt this momentum here 37 000 and that's and you're going to be 15 short so you're telling me 52 000 for this jeep that only comes in this one color and leaves you with zero dollars well i still want to keep some money in the emergency fund so the price is 41 $41,000. Oh, okay. It's only slightly better than what I described. What's the color of the Jeep? I've got to know.

Okay. It's a word I've never heard before called snozzberry. Oh, jeez. You're joking. Someone made that up. How do you spell that? Is this a prank call? Is this?

Apparently, it's a dark red. I'm looking it up. Okay. It's a dark red Jeep that they made up. Snoshberry, James. That's from Willy Wonka and the Chocolate Factory. Yes. Okay.

This is a thing, though. The Jeep is marketing, and it's got JT's wife on the hook, man. All right, JT. All right. What's the problem? You said, I'm about ready to do something bad. I think we all know what it is. We've went through our bank, and I can get a loan.

The maximum would be about five months, and they're fine with that. The minimum I would have to take out is $10,000, and we literally save anywhere between $7,000 and $8,000 per month. So we can really pay this off in three to four months max. If you can pay it off in three to four months max if you can pay it off in three to

four months and you can save it up in three to four months i agree but the car should be coming in in about two weeks well wait a second is it the only what's the name of it a snozzberry snozzberry is it the only snozzberry jeep in the entire united states on the show today i never thought i'd say that you have tried apparently we've tried no no no uh uh uh we haven't tried sounds like mama has tried and you're just being made you're being made aware of all of this is this breaking news to you jt uh as of four days ago yes i i thought i heard that when you said it's on the way. Did she already commit to this? No. We did put a deposit down of $500.

They wanted $2,000. I said, no way, $500. Is it refundable? No. Well, here's the deal, JT. You paid a $500 stupid tax, and we're not getting that car. I'm going to research. George, please straighten JT out.

I'm going to research Snozzberry Jeeps right now. Please do that. I don't believe it's the only one in the United States. Here's the thing, JT. Number one, your emergency fund and your car fund need to be separate. Yes. Because as you can see, this is what happens when you combine them. It becomes, well, it's a squishy fund for the car slash emergency.

This is not an emergency. So separate this out. Three to six months of expenses. What does that look like for you guys? Six months would be right around $7,000. $7,000 a month? No, no, no. Total. You're saying six months of expenses for you guys is $7,000 total? Yes. We have no car payments. We have no debt whatsoever. Even just insurance premiums, sinking funds, I mean, you name it, it's got to be more than that. Food, gas. Oh, yeah, yeah, yeah. I'm just talking those. No. So probably about $25,000. Okay. That's a very different number than seven. Okay, so let's say $25,000 is our magic emergency fund number.

That means we have $12,000 to put towards the car, okay? Yes. This is reality. So $12,000, and we need $41,000 to get this Jeep. So what does that tell you? We are short about $29,000, right? Correct. So the question becomes, how quickly can we save up $29,000,

and then we go Jeep shopping? You told me you could save $6,000, $7,000 a month? Yes. Okay, so then we're doing some more math here and going, okay, in about four months or less, we can have this Jeep. And it's going to take that much time, it seems like, to order another one. Well, that's what I'm hoping is that right now it's due to be in two to three weeks, but they said that it could be two to three months. So if it is in two to three months, then we'll go with it. JT, your wife has car fever, and she needs to freaking chill, man.

Here's the only question I have, JT. You guys walk the baby steps out. How long have you been following Dave Ramsey and Ramseysey solutions i'm just curious three years three years was she all in on this process she was 80 percent in okay all right and so now all of a sudden she's like well we can wiggle so did you let me ask you this when you called us by the way it's a good thing dave's not in today oh the call wouldn't have lasted this long What did you think we were going to say? I just, because it's such a short, long loan ad, we've got very stable jobs, and we make about $240 a year.

I knew you wouldn't say yes, but I think you're going to. How about this? I'll give you a Dave quote since he's not here. Oh, I like it. Adults devise a plan and follow it children do what feels good which you did you did devise a plan and follow it and here's the deal you guys make enough money to where you're gonna just have to all right so uh here's what i would do if i were you jt i'm co-hosting today so george is the money expert but i'm just gonna lay

it out there's a guy who's been married almost 24 years this is a marriage conversation yeah this is not you're you're posing this as a as a automobile conversation you got to say hey no we make enough money to save up there'll be another snozzberry jeep we can order this is a benjamin button situation she's reverting back to childlike form okay we, we aren't covered at all. We cannot let this happen, JT. The snozzberry can wait. By the way. And that is the first and last time I'll ever say that sentence.

I do want to say, JT, thank you for the question, because I never even knew what snozzberry is. I'm looking up a suit right now. It's literally just maroon. It's a maroon Jeep. Who cares? There's more maroon Jeeps out there in the world. Snozzberry.

I'm exhausted. This is the Ramsey Show. You know, we did a survey recently looking for ways that we could serve you better. One of the top things we learned is that people need help when it comes to life insurance. Most people know it's a top priority, and oftentimes money's not even the issue since term life is really just cheap. Some feel guilty for not taking action. Some need encouragement to follow through, while others are confused about the options. This is why I hammer away every day

talking about Term Life and Zander Insurance. You've got to get this taken care of, and Zander is the only company I recommend. They built their business to serve. Whether you just want information or you need that extra attention to get things done, in the end, they will help you make smart, confident decisions for your family. Wherever you are in the process, whether getting a quote or getting your policy approved, please take the next step. Go to Zander.com or call 800-356-4282 and let them help. Welcome back to The Ramsey Show. I'm George Campbell, Ramsey personality and host of The Fine Print,

joined today by Ken Coleman, host of The Ken Coleman Show, aptly named. And we are taking your calls. 888-825-5225 is the number to call. All right, Ken, this is big. You are in the career space. Workspace, baby. We're talking about winning at work. And here's the deal with work.

When you work with people, they're called coworkers, and sometimes they can drive you crazy. Oh, and sometimes you drive your coworkers crazy. Do you even know it? If you don't think you have crazy coworkers, you're the crazy. That's a great point. You might be it. And so we've got a list here of some common things that you might do that might be driving your coworkers crazy. Yeah.

Or if you're wondering why you want to switch jobs, these annoying habits may be trying to drive you out. You think you want to change careers and you just need a new location because you work with people that make you want to jump off of a cliff. And here's the thing. So we got a list. To caveat this, it can be really difficult to approach a coworker when they're bothering you with something. Because you don't want to start the conflict and go, hey, Ken, you've got to stop clipping your toenails. You know what? Maybe we'll address how you would approach some of these,

but let's dive in here. Okay. How about the person who walks through the office or sits near you and they hum or sing? The hummer. The hummer or the singer. Yeah. Out of nowhere.

They bring you into a song. They've got a song in their heart, and they want everyone to know. And by the way, have you ever noticed that these people, James, they never start at the start of the song. It's always like the song's going in their head, and they just kind of pick it up mid-verse, and we're all left to go, what? What's happening here? They hit the chorus.

These people that they... Oh, James brought up one, the whistler. Oh, man. The whistle while you work. We don't want you to do that. Nobody likes a whistler. Oh, man. The whistle while you work. We don't want you to do that. Nobody likes a whistler. That's nails on a chalkboard. But see, I think it's all the same.

The singer, the people who are humming all the time. It's a lack of self-awareness is what it is. Yeah. I don't want to be brought into your personal soundtrack. That's a good line right there. Okay, how about this one, Ken? People who listen to music without headphones. Oh, same kind of principle.

Because their playlist is so good. Yeah, yeah. Put some headphones on. And you know what? Secondary, on airplanes. Put some headphones on. If you're in any public space, put some headphones on. It's 2022.

They're cheap. I always love the old dude on the airplane who forgets about the concept of the headphones and he starts the movie and it's so loud because he's deaf anyway that we hear it all the way in the back of the airplane. Yikes. Yeah. Headphones are good. All right. Next up.

Okay. Here's my. How about the people that reply all the emails when they shouldn't or they don't reply all when they should. In other words, they just don't have any common sense around emails. The kids call that cringe. Is that what they call it? Yeah, cringe. Here's the one that drives me nuts. James was talking to me about this and he's right. How about the person who replies with emojis all the time or GIFs? Yeah. Do you call them GIFs or GIF? I'm a GIF guy. GIF or GIF in the control room? GIF. I like a well-placed gif but it's

the people who just only reply in them and you can't get an actual answer out of them yeah they've nothing to say right it's like they're a puppet they won't be real for any moment of time and i'll tell you the one that drives me is the last word person they always got to get the last word it's clear that the email chain is done we've our business. And they got to fire one more unnecessary THX exclamation point. Like we all need one more email to delete. What I love is they didn't have the time to just do the A-N-K. Right, but they had time to send one more meaningless email. Here's the deal.

Nobody ever needs to do the unnecessary thank you. Less emails in 2022. Let's make that happen. What else you got, George? This one gets me because I'm guilty. Holding a door for you when you're too far away and so you feel like you have to run because the person is just standing there waiting for you yes okay and by the way have you ever noticed that person's always got this big smile on their face like they're doing you a big favor right like you're incapable of opening the door i know you're a long way away but i'm such a stellar

human being that i'm going to hold this for you. And it has the opposite effect, doesn't it? What does it do to you when you see that door open from that far away? It feels like my middle school soccer coach going, let's see some hustle, Camel. Come on. Let's go. Pick them up. Pick them up.

Right. It's very frustrating. So here's my parameter, Ken. Either you've got to be holding things to where you can't open the door, and then I'm happy to open it. Right? If you're holding a bunch of stuff, I feel bad. Ken, either you've got to be holding things to where you can't open the door, and then I'm happy to open it, right? If you're holding a bunch of stuff, I feel bad. I'll hold it for 15, 30 seconds. And if you're 10 feet away, I go, all right, that's the parameter.

If you're more than 10 feet, just be on your way. I'll open the door myself. Yeah, you're not a big jerk. Yeah. Be kind. We're not saying don't be kind, but don't make it awkward. All right, George, moving on. Here's one that I think the whole world at work can sympathize with and that is the disgusting awful grotesque food that stinks up the

entire floor not just the break room or the kitchen i mean it seeps throughout the entire building hey no one should ever eat fish at work. Ever. Ever. It's a dangerous move. I don't even care if it's fish sticks from Long John Silver's. No fish. People are getting fish sticks at Long John Silver's? Is that still a thing? Somebody's got fast food fish.

Well, we've got a list here in case you're wondering. What are those other foods? We've got fish. We've got sauerkraut, Brussels sprouts. By the way. Chicken gizzard. No one's eating chicken gizzard for lunch. Oh, James is pointing to someone in the control room.

We'll leave it there. Someone who had that experience, not that did it. Oh, so somebody on our team, which shall remain nameless, brought chicken gizzard, which, by the way, I didn't even know what chicken gizzard is. I don't know where to buy that. It was at a previous job, so thankfully it's known here. Oh, thank you for the caveat. James, clear the air.

Don't want to offend anybody here at Ramsey Solutions. What is gizzard? Am I allowed to ask that? It's a part of a chicken I never want to touch or eat. That's it. Hey, here's a general rule of thumb. If you don't know what part of the animal it comes off of, you might not eat it. Is that fair?

Yeah, that's fair. Hey, I want to go back a step. Brussels sprouts is on my top three awful smells all time. Wow. Okay. So save it. Do smells all time. Wow. Okay. So save it. Do it at home. Good to know.

Not eating around can. Now, I will say we've got a cafeteria here at Ramsey Solutions, so there's a lot more places for the smells to go. It's a big open area. Back in the old days, we had tiny little kitchens and break rooms. Not a lot of place for the smell to go. So be kind. Who's up next on the list?

Is it you or me? I forgot. I think it's me. Oh, yeah. I was talking about the awful smells. I'm going to go. So be kind. Who's up next on the list? Is it you or me? I forgot. I think it's me. Oh, yeah. I was talking about the awful smells. I'm going to put this one out there. Okay. Sales folks who talk very loudly on the floor.

Oh, yeah. Oh, 100%. Because you've got that world-class technology. A lot of the salespeople are wearing these kind of deals, right? Yeah. Not quite as big a mic. And then they've got to go over the top. 17 people all talking with their outdoor voices.

Yeah. A lot of fake laughs, too. Salespeople, best fake laughers all time. Oh, yeah. They'll laugh at anything. Laugh at anything. And by the way, not just a laugh, a guffaw. You know what a guffaw is?

Leave it to Ken for a $10 word for laugh. A guffaw is like a chesty laugh, right? We're heaving. A lot of volume, a lot of shaking. Are you a guffaw-er? No. Okay. Hurts. Yeah. It's not healthy for you. Okay, here's one. How about booking

a meeting room that could fit 30 people when there's three people? That one is hilarious to walk by. It's kind of obnoxious. Yeah. Where do we sit? There's too many decisions I have to make prior to the meeting. That's true. There's plenty of meeting rooms around here. Yeah, yeah, yeah. Now, a few things that didn't make this list.

This was kind of compiled by somebody. The conference call etiquette. You know the Zoom? So when the pandemic hit, everybody was on Zoom or whatever your platform is for video calls. Drives me nuts. You got romper room going around in the back right a lot of distractions i don't want to be into your life you have invited me into your life when what we're

supposed to be doing is having a meeting is the blur feature where it blurs the background see i didn't even know that existed it does because here's what i do ken i'm judging everything in their house i'm going oh wow that's so true How am I supposed to pay attention when you've invited me into your life? It's too much for me. I can't process it. Yeah. I hate meetings anyway. Just as a general rule, I walk into meetings going, I hate this, and then I hope it's good.

I just hate the unnecessary meetings. Our friend Patrick Lencioni's got the book Death by Meeting. It's a great book. And so the meetings that could have been an email. Sometimes people just want to hear themselves talk in the room. And that's why we go, let's circle up. Let's meet. We'll circle back.

Circle back. A lot of circling. See, now you're going into a potential another list. That's for another day, Ken. And that's overused office jargon. Well. You know what I'm talking about? Where people just wear it out.

Circle back is a big one. Yeah. Another one is, I don't have a bandwidth. Bandwidth. Bandwidth needs to be banned. That one gets me. From all jargon. Banned one. Yeah. Another one is, I don't have a bandwidth. Bandwidth. Bandwidth needs to be banned. From all jargon. Banned bandwidth. Yeah. There it is. Hey, if you are doing any of those

things, you need to stop it immediately. This is the takeaway. Yeah. Because you are the annoying, obnoxious person that nobody wants to be around. So, you know, we all have room for growth. Ken has called you guys out. Now, luckily, we work with a lot of great folks at Ramsey Solutions. This stuff happens very sparingly. James only does about two of those.

This is James' personal list of things that you bother him with. That I do. This was an email from James going, Ken, I'd really like you to improve in these areas. Good stuff. This is The Ramsey Show. We'll be right back. Welcome back to The Ramsey Show. I'm George Campbell, joined today by Ken Coleman. And in the lobby of Ramsey Solutions on the debt-free stage, we've got Marzo and Rosa.

How are you guys? Good, good. Good. Where are you guys from? We're from the Dallas area, a small town called Carrollton, Texas. Awesome. Yes, I know of Carrollton. All right.

How much have you guys paid off? We paid off $46,177.43. Wow. Okay. In 10 months. 10 months. And what was your range of income during that time? It was about $65,000, and now we're at about $90,000.

Whoa, way to go. What do you guys do for a living? I work in accounts payable for a big chain of family restaurants, entertainment restaurants. I work for UPS, the warehouse. Very cool. I've been there for 20 years already. Oh, good for you. Yeah.

Okay, so tell us about this debt. What made up the 46,177.43? Okay, we had a, of course we had to buy a swing set for our boys. Gotta do it. And we put that on the credit card. Sure.

And we also had my student loans and from one of my master's degrees. And then we had a van uh the van the minivan a car loan so we have the credit card student loans we also had a personal loan that we found out a bit after we thought we were done you found out we forgot well going way back to when we first got married and we got our first home, my mom did help us by letting us borrow to help us with the down payment. We only had like $1,000 and she lent us about $3,000 and we hadn't paid it off apparently. And you just forgot.

We did because it was my mom. Wow. I know. I should have been more responsible. Mom's paid back now. We're all squared away. She is. Okay. So 10 months, that's a fast journey. What happened 10 months ago where you said no more? Well, honestly, it's weird how God works in mysterious ways. But I was actually looking for a podcast that would help us with our teenager that we were kind of struggling with parenting and all of that. And, you know, he, he, we came, I came across

Dr. Meg Meeker and, and one of her commercial breaks, I think it was the Dave Ramsey show. So I was like, I've heard of him before, but what is he about? And, you know, of course it, I looked him up and I started listening to the podcast and certain things just started to click. And I shared with him and I said, yeah, you should start listening to it, too. And I played a few clips of it for him and he was in on it right away. I downloaded everything and we started listening to it and we were in and we just sat down and you know it actually it was so difficult because I had just left teaching but then I had jobs that were not really permanent they were through like agencies and so but we were still doing really bad financial things like putting,

you know, the swing set on a credit card. And, um, and then I, I got several jobs. Um, but once we, we got the ball rolling with all of this, we, I said, you know what, we don't want to pay, uh, you know, we don't want to take five years to pay the minivan. I want to pay it off ASAP. So it all happened during the pandemic. And what was easy for us to realize was that we were spending so much money eating out when I was teaching because we made a lot of money, you know. So why not? We could spend it. Definitely.

That was, for me, I think the pandemic was the blessing to start knowing that we were spending a lot of money. It caused you to pay attention for once. Exactly. So at that moment, when the pandemic started, we decided to cut a lot of expenses that we were doing. For example, going out to eat every weekend, going to the movies every weekend. We were spending maybe $1,500 to $1,600 every month on going out. Just having a good time.

Yes, just having a good time. That was more than our mortgage payment oh my goodness so that was the realization honestly and it really the pandemic actually helped us do that because we couldn't really go out and go to the movies and go to you know so um but yeah and of course the the stemmys did help with with that to help us pay off stuff but um but i you know i'm'm a really, I'm a hustler and, um, not that he's not, he is, um, he's been there for 20 years, but, um, I, I was like, you know what, I'm going to go do Uber while you, while you, um, are at work in the evenings. And,

um, I drove the kids around, I drove, you know, my mom was in the car with me just to like, you can keep them in the car and I will, um, I'll stay in the car with them. And you'd go down and deliver that food and make that money. And so I was making myself a goal of every week what I was going to pay down with the money I was making with Uber Eats. I taught online ESL. And then what other jobs did I have? I forgot. Oh, I was a tax preparer. Yes, I was a tax preparer.

You could do it all. Immigration stuff also. Yeah, helping people with immigration. You're like the Mary Poppins of side hustles. What was the most lucrative side hustle? What were you making? I think tax preparing. Just because all of this debt-free journey, the end result, and just by the grace of God,

we've been able to cash flow the beginning of of my business which is it's a multi-services now so yeah and in this year so good for you so what would you tell people is the key to getting out of debt uh well to me the key is definitely the having a budget to sit down and write? Yeah, because that's when you know exactly where your money goes. And that's how you can have the real control of your money. It doesn't matter how much money you make, but if you have the control of your money, you're going to have a better future. Yeah, what matters is what you do with the money. So I agree.

I think that writing the numbers down and using that EveryDollar app really helped us know, okay, we're going to assign every single dollar a name, a category. And I feel like that's what makes you realize where, like I said, where your money's going. Where do you want it to go? where do you want it to go? Where do you want it to go? Yeah. You guys just needed a plan and some focus. I mean, you were just kind of floating around spending, not knowing what was going on.

And you know what? We realized that we were actually Dave-ish before, before we even knew about Dave. We had done a few things, like we did create an emergency fund, which of course, it wasn't an emergency, but we were like, oh, let's finish paying off, you know, the 529 for our 18 year old since he's about to go to college. So we paid about $21,000 that was left for that to pay that off. And that was not part of the debt free journey that we mentioned earlier. So it was technically over, you know, over 60,000.

But we did that before coming across Dave and we're like, wait, we did that all the wrong way. Everything's out of order. Out of order. But now we're on the right path. We're so proud of you guys. Way to go. Thank you so much. We're on baby step six, and we know God's going to help us, and our goal is to pay off our $150,000 home loan in about five years.

Good for you. Wow. Great job. Well, you are on that path. And you brought all the family with you. We brought our three boys. You want to get them on up here? What are their names and ages?

So this one is Sebastian, and he is six years old. And this is Abdiel. He's three, and they've been practicing their scream and this is Jared who is 18. Wow. Beautiful family. Thank you.

And here we are all dead free with the matching t-shirts. I love a good matching t-shirt. Who doesn't? This is incredible. All right. So you've been practicing which is exciting.

We've got a copy of Dave's Baby Step Millionaire's book and you get the back says the borrower's slave to the lender. That's fantastic. Soaire's book, and you get the back says, The Borrower's Slave to the Lender. That's fantastic. That's great. So that's your next chapter, is to become millionaires, to pay off that house,

following the baby steps. We're so excited for you, and we're going to give you a copy of the Total Money Makeover to start someone else's journey to debt freedom. I love it. All right, here we go. We've got Marzo and Rosa and Jared and Sebastian and Abdiel from the Dallas, Texas area.

$46,000 paid off in 10 months, making $65,000 all the way up to $90,000 with some side hustles and everything you can imagine getting thrown at it. Count it down. Let's hear a debt-free scream. Ready, boys? Three, two, one. We are debt-free! Woo!

Yeah! Way to go, guys. That was cute. Yes, the little man wins the cute award there. That was fun. I love to see that. Those kids are never going to be the same. That's right.

Because of those parents' sacrifice. That's what this is all about. This is The Ramsey Show. I'm George Campbell, joined today by Ken Coleman. Well, folks, if you've been watching the news or breathing at all, the housing market is really hot. And so your house could be worth a lot more today than it was when you bought it. And that also means your old insurance policy might not give you enough coverage anymore. And what's the point of paying for insurance that won't swing the cost to repair or rebuild your home? Now, some policies will automatically raise

your coverage to cover rising home prices or material costs, but not all of them. So if your home's value has gone up, or it's been over a year since you checked your homeowner's policy, you've got to talk to one of our endorsed local providers in your area. Our ELPs are independent agents who will compare multiple policies to find the best coverage for your home and your budget. That's why they're Ramsey Trusted, because they'll put you first, period. Go to ramseysolutions.com slash home to talk with a trusted home insurance pro today. That's ramseysolutions.com slash home. Our question of the day comes from blinds.com. Find out for yourself why they are the number one online retailer of custom window coverings. You

get free samples, free shipping, and with the new promos they run every single month, you can save even more. You can use the promo code Ramsey to get the best deal. Today's question comes from Drew in North Carolina. I'm a senior leader at a large company, and due to some issues in my area, I need to move on before I become jaded. In my position, you don't just give two weeks notice and walk out the door, so I am in the middle of a month-long handoff of my responsibilities. My challenge is that my employees are also starting to question the culture and financial insolvency. I don't think it's ethical to lie to them and tell them to hang in there, but I also don't want to be viewed as planting toxic seeds on

my way out. I truly believe that my department will be shut down this year should i be honest with them about why i'm leaving or try to stay neutral and say something like you are very observant and you need to make a decision based on what you see this is it this feels very complex and it's not many times the best way out of complexity is simplicity. And I don't think it's your challenge, Drew. I think it's the company's challenge because they're already starting to question issues anyway. They probably were when you were still there and not on your way out the door. I don't think this is your cross to bear. It feels like it. I think you're a good guy, but I don't think it's that big of an issue. I think you've got to take the high road. Now, you can define what the high road means to you. The high road to me in this situation means I'm going to say something like you just shared, which is, hey, you need to make your own observations.

You need to ask your own questions. This is no longer the right place for me. I definitely have some issues, but that is between you and you need to give them another leader that they need to be talking to. I think you take the high road here, and less is more. Yeah, he's feeling this moral obligation to kind of save them. It's not his job to save them, but I think he's got to go. He can be very respectful. He doesn't have to trash the company on his way out. It's not his job to save them. But I think he's got to go. He can be very respectful. He doesn't have to trash the company on his way out. That's right.

But I think the team's going to start to see the writing on the wall as more and more leaders leave and team members leave, and they go, we see this. Yeah, it's not his job to answer their questions. Thanks for the question, Drew. Appreciate that. All right, let's go to the phone lines this hour. They are open if you want to give us a call,

888-825-5225. Giselle joins us in New Orleans. Let's go, Giselle. Welcome to the show. How are you? Hi, George. Hi, Ken. How are you all doing today?

Great. How can we help? First of all, I just want to give a shout out to the YouTube community. They've been super helpful already. That's awesome to hear. The question is, yeah,. My question is real quick. So I'm technically on baby step seven. I'm 12 years old. Hold on, what do you mean technically? That always worries me. But I'm currently, I guess my birthday's at the end of the month, so 27, 28, but I am

renting at the moment. I think you missed the point of George's question. How are you technically in Baby Step 7? Oh, because I'm renting at the moment, and I do have my Baby Step 3B done. Oh, okay. But I would like to buy a house later on in life. Ah, good for you. Okay, very good. Okay, so you're kind of in the four

to six land. You've started investing 15%? Yes. Okay, and you've got the down payment saved, but you're not ready to buy. Correct. Yeah, I'm trying to wait till later on in life to buy. Good for you. Good discipline. All right, So what's your question today? Yeah. So I'm currently contributing to a traditional 401k. I have a bit in there, but I recently found out my company also offers a Roth 401k. So I guess my question is, should I, since I'm still young, convert my full traditional to the Roth 401k and then just start contributing to the Roth 401k or leave the traditional and just switch to contributing to the Roth 401k and then just start contributing to the Roth 401k or leave the traditional and just switch to contributing to the Roth 401k? The latter is what you want to do. I would leave the traditional over here right now. We don't do that until we're at baby step seven

with a paid for house. That is when we can take the tax hit and when it's worth it because otherwise we want that money going towards the house. So leave it in the traditional side. Begin investing in that Roth side. You've got the right mentality. This is going to be a much better plan for you at your age to be able to get that money tax-free on the Roth side and pay taxes on it now. Okay. Sounds great. Thank you all so much. I really appreciate it. Yeah. Way to go. She's disciplined. She's on her way. Yeah. All right. Let's move on to Seattle, Washington. Justin joins us there. Justin, what is going on?

Hey, guys. How's it going? Great. How can we help? So my girlfriend's parents convinced my girlfriend that credit score matters, and they got her a credit card, and now she plans on using that credit card to buy a car. How do I convince her that that is a very bad idea, and that she needs to have a surgery with her credit card and get rid of it? Well, a simple answer, Justin. Sell the girlfriend.

There it is. Hey, George Campbell, ladies and gentlemen. I'll be here all week. Yeah. Not a bad idea. I'll add to that really quickly Because George will give you some really tactical advice I think you fake the snowflake syndrome, Justin Are you aware of what this is? I am not This is a passive-aggressive You ghost her for a little bit

Give her the silent treatment And you make her She's like, why is Justin not You know what I mean? Like total silence This is what women do very well to men The silent treatment. And you make her, she's like, why is Justin not, you know what I mean? Like total silence. This is what women do very well to men. The silent treatment? The silent treatment.

The cold shoulder? The cold shoulder and the guy's trying to figure out what's going on. I think you reverse it and you just really, and the snowflake syndrome part of it is you act like you're very offended or that you're shook. You're shook by the suggestion that she would buy a car on a credit card and just let her see how it just really freaks you out, man. Justin, I know we've been unhelpful so far. I actually think that'll help with this conversation.

It might. It'll set you up for George's text. Justin, you like this girl, right? How long have you been together? We've been together for coming up on five years now. Five years? Whoa. Is there a future here?

I'm wondering, what have the money conversations been like? Clearly, you've talked about your values around money, right? Yeah. So I definitely want to stay debt-free, have no credit cards. My parents have been following you guys for years, and they're getting out of debt using your guys' method. And I just want to take the next step and I want to become a millionaire, but credit cards are not the way to go. Well, I think you have an honest conversation that isn't attacking her. It's not, hey, you got to cut up the card today. It's, hey, listen,

my plan is to become a millionaire. I'd love for you to be a part of that plan as we move towards marriage. And I know that a credit card is not going to be helpful in getting there. And here's why. And I can give you a third party tool. We did an episode all about this on my podcast, The Fine Print. And it is episode seven, the dirty truth behind your credit score. We also have one in episode two, the true cost of credit card rewards. So here's what I would do. Listen to that together. Sit down, listen to it, and it'll spark some conversation. Because I think the reason she wants to get the credit card, Ken, we could argue against and say, well, listen, we just proved to you that that's not the case.

You don't need your credit score to do any of this stuff, and there's easy ways around it. You can live your life without the score. You can live your life without the card, and you can live your life without debt. So, Justin, I'm going to encourage you to do both of those things and get on the same page. And truthfully, if you can't align on those values, I don't see this being a long-term relationship beyond this. It's already long-term at five years, man. Justin, we got to get this figured out pretty quick, man.

I didn't want to propose until we got this straightened out. Absolutely right. I know that the number one cause of divorce is money problems. This guy gets it. Justin, listen, we're rooting for you, man. I want her to get on the same page. I don't want it to become her parents versus your opinion. That's a dangerous game to play.

So get her on board. If not, we might have to sell the girlfriend. I really like the shock and awe. There we go. Be sensitive about it. That puts this hour of the Ramsey Show in the books. We'll There we go. Be sensitive about it. That puts this hour of The Ramsey Show in the books. We'll be back with you before you know it. Hey, folks.

Ken Coleman here. Did you know The Ramsey Show is one of the most popular podcasts in the world? Get your daily dose of advice on life and money. Check out all of our shows from The Ramsey Network wherever you listen to podcasts.