The Ramsey Show - App - You Don't Have to Go Back to a Job You Hate! (Hour 1)

Episode Date: April 22, 2020

Ken Coleman, Career, Debt, Retirement Tools to get you started:  Debt Calculator: http://bit.ly/2QIoSPV Insurance Coverage Checkup: http://bit.ly/2BrqEuo Complete Guide to Budgeting: http://bit.ly/2QEyonc Interview Guide: http://bit.ly/2BuGnZE Check out other podcasts in the Ramsey Network: http://bit.ly/2JgzaQR 

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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. Open phones this hour, Ken Coleman, Ramseysey personality number one best-selling author and host of the ken coleman show is here to answer your questions about your jobs about your careers and if you want to jump in and talk to him or you want to talk to us about money the phone number is five two two five that's triple eight eight two five five two two five can it feels like um certainly it is localized but it feels like that most areas are turning towards reopening yes you can sense it can't you it's it's a It's a groundswell. You're seeing it in the form of protest, but I'm seeing it in the phone calls that we've had over the last three or four days. People are making plans. They're looking ahead. And I think that's the natural and more people either being comfortable sharing that feeling or coming to that conclusion yeah and our state is beginning to reopen couldn't be more excited yeah and uh our adjoining state georgia probably

leading the tip of the spear actually uh very aggressively reopening um and um certainly there's some states where there's some hot spots that are going to be much slower to come along. But the good news is, for those of you out there that have lost a job or have been furloughed, it does appear within reach that, you know, those things are coming to an end. Now, the question is whether those jobs will be there or not. And for that matter, you might not have liked your job in the first place. might not this might be your chance to not go back key point never waste the crisis right that's right well you know the data hasn't changed that 70 of americans were unhappy in their work and 80 of people globally were unhappy in their work so what has happened we've had this

global uh kicking out of the nest if you will and and people have been pushed out of the nest. So the question is, does the nest return? Do you want to step back into it if it does? And if not, what are you doing to say, all right, this is a reboot that I didn't ask for, but I can actually make this a time in my life that I look back on and I go, man, I'm really glad I got kicked out of the nest. I don't know about you, Dave, but I know if I look back on my life, certainly professionally, and I share this a lot on the Ken Coleman Show through my story, but every time I got kicked out of the nest, I look back on it and I go, man, it was a good thing. Now, let me be clear on this, because I don't want that to sound Pollyanna positive.

It's not. It didn't feel good, folks, when I was kicked out of the nest. It didn't feel good. It wasn't good in many ways early on, but how i chose to respond and the change that was forced on me and the change that i embraced and needed to make that was the good so i think that's the key right now is to understand this negative time for you you can turn this lemon into lemonade it's the old the old adage and the trick is to intentionally do that because what happens a lot of people is,

let's say you're sitting there in a job you hated and you got laid off. Yeah. Now, the default mechanism without intentionality, without some energy applied to the situation is just go back. Just go back. And no, this is your chance to say, wait a minute, I'm going to relook this. I'm going to go into a position that I want my dream job, you know? Yeah. So you've got some stuff at kingcolman.com to help people with their resumes, help them

with contacts, help them with interviewing. It's all free. It's absolutely free. We've got the Get Hired Guides, and those are three distinct resources that are all free. Number one, how to flip your resume and make it look different than everybody else's, but then how to use the resume attached to a relationship. So that's the resume guide. Then we have the interview guide, Dave, which helps you prepare before the interview

so that you perform during the interview. And then the third resource is how do you follow up after the interview? A lot of people make the mistake of not following up well. And it is very important that you extend the impression you made in the interview. Your brain is a supercomputer. I've said this before. If you prepare relentlessly, you will perform reflexively. So it's about preparing for the interview. And we've

got the guide that'll help you even on the online interviews, which we're seeing more interviews move to a Skype or a Zoom or what have you. So those three resources are there. And I also got to tell you that if you go to KenColeman.com and you click on the resources page, we've got the path to your dream job. You know, what are the stages? How do I get there? People need to know that there is a pathway forward, and we've got that out there for you. The seven stages, get clear, get qualified, get connected, get started, get promoted, get the dream job. Why?

To give yourself away. It turns out, Dave, that you were created to work, to contribute through your role in your work. And that's what we're excited about is millions of Americans and millions of people around the globe saying, never again am I going to look at Monday morning as just a J-O-B, just a paycheck. Yep. Don't want to live that way. Life's too short. Open phones at 888-825-5225. Your questions about jobs and about money. Two things that are very much top of mind with the corona shutdown, the suppression of the economy.

It's not a depression. It's not a recession. It might become a recession, but it hasn't yet, because there is a technical definition to recession. It is a shrinking of the gross domestic product, the GDP, and for those of you who don't know, the GDP is the total of all goods and services created in a year. The gross domestic product in a year in the United States. If it shrinks two consecutive quarters, meaning we are producing less two quarters in a row six months in a row then you have by definition a recession until that occurs you do not have a recession

we're going into a recession that means you can see six months ahead yeah and you can see that that none of this is going to snap back and you can see things i don't see because i don't believe that um i mean because we've not had the first quarter of the year was not did not recede no the second quarter will likely recede because you want an entire month without producing anything the third quarter might but if it does it'll be ever so slightly and by the fourth quarter there won't be so it may be one of the world's shortest recessions. That's right. And that's a prediction from me, and that's worth what you paid for it, which is nothing. Right.

Well, I think it's important that you say that to this audience, because here's the deal. You're reading all these articles, and economists say this, and economists say that, and health care professionals say this. Here's the deal. Every article I read right now has two key words in it almost every time. May, it may happen. It could happen. Here's the reality. You just made the key point.

None of us know what next quarter is going to look like. Is it going to be a V recovery? Is it going to be a U? Here's the deal. We don't know. But I have this really optimistic view that there are a lot of people in this world that are like caged tigers, like the hottest thing on the Internet, which I still haven't seen, the Tiger King. So don't send me any emails.

I haven't seen it yet. But there's a lot of people that are going to come out of this thing. I don't know who would send you an email for that. Right. Well, you know, everybody loves this thing. I'm just too late to the game. The point is I think there's going to be a massive surge in people that want to work, in people that want to live, people that want to create. Could be really good recovery.

We'll see. Yeah. Could be. I mean, I think all those people that didn't get their hair cut in April, I think they're probably going to get their hair cut in May twice. I've already got my May appointment set up. Twice. Yeah.

I think you're going to work twice as hard cutting hair in May and make up a lot of the difference in one month. That's true. This is the Dave Ramsey Show. Business leaders, hiring right now may be the furthest thing from your mind. But the fact of the matter is we will recover. One of the smartest things you can do for your business is to be prepared. I want you to know that my friends at LinkedIn are ready to

help you find the right people for your business when you're ready to hire them. LinkedIn Jobs matches your role with qualified candidates so you can find the right person quickly. LinkedIn Jobs looks at things like collaboration, creativity, adaptability, and puts your job post in front of qualified candidates every day. So your job is seen by people looking for jobs just like yours. That's why we use LinkedIn Jobs when we hire here at Ramsey. When the time comes to hire for your business, you can get $50 off your first job post at linkedin.com.

That's linkedin.com. Terms and Careers. And I'm taking your calls about money, and he is too. Open phones at 888-825-5225. Melissa is in Kansas. Hi, Melissa. Welcome to the Dave Ramsey Show. is in Kansas. Hey, Melissa. Welcome to the Dave Ramsey show. Hi, Dave.

Hi, Ken. How are you? Good. Great. How can we help? Thank you for taking my call. Sure. Okay.

So I have, I'm kind of conflicted right now. I currently work for a large nationwide bank. I have for eight years. And I just found you guys about two months ago and have been starting on my baby steps. I'm currently working baby step two. And it kind of changed the way that I look at like credit and savings and things like that. And of course, those are both huge parts in what I do at work is trying to teach people about both of these things.

But credit is also still a huge thing at work that of course I'm trying to help people with and that I am required to help people with. But part of it is of course taking applications and things like that. And of course now the way that I look at credit is different. So I'm having a problem juggling what maybe I currently believe as credit is versus, like, what I'm required to do at work for credit. So do you want to leave? If you could leave today, if you had something to step into, would you?

I don't know. I love everything else about the job. Right, right. You like the function. You like the function of the work. Describe what you love most about the job. Just forget the moment in the day where you're helping people obtain credit, which feels wrong to you. Outside of that, what do you love most about the day?

What are you doing? Think of the task, the function, the role that you're playing that you really love. What is it? Well, for one, I really actually love the people that I work with. They make it really enjoyable. And I really like the part about being able to educate people. I think that that's really important. And it just amazes me how many people out there are just entirely clueless about anything really. When it comes to credit, savings, even balancing a checking account, it's absolutely amazing. So I really enjoy like the teaching part of it. It's just hard for me to try to teach people, oh, don't do credit or don't apply for this loan. Instead, let's work on building a savings when, you know, the bank is kind of, that's part of working at a bank,

is trying to get credit. So if you weren't required to tell people about credit products and credit opportunities, you'd feel pretty awesome. It would be like perfect. Yeah. Yeah. I think you got to look for that. Now, Dave, I'm curious. I want you to weigh in on this because I sit there and I look at that and I understand what she's saying. She's saying she has a values problem. There's some value collision going on,

and she can't keep feeling bad about credit. I think what will happen over the long haul, Melissa, is you will eventually start to feel a big disconnection to the work. Despite all the positives you just said, this credit thing will continue to eat at you. So I'm telling you, you don't have to jump now. Don't rush. But I'd be looking for what you just described, the environment that you have, the culture's good, and then the work that you're doing that you really love.

Where can you do that and not have that values wrestling match every day yeah exactly and um you know and two there's there are different kinds of uh cultures within banks for instance your regional banks and credit unions aren't nearly as aggressive in the peddling of debt as some of the big household name, huge like the Bank of America type things. And some of those places, if you don't hit your quota on issuing credit cards, car loans, whatever it is, eventually you're going to get booted for not hitting your quota. And so, you know, I love the level of character that you're showing in that you are very positive about your employment.

You're saying good things about your employer. Don't stay so long that that stops. Okay. And I don't think you need to leave today. This is a newly found values collision. Six months ago, it didn't exist and so take your time but also don't let he don't let the um the values collision as ken called it erode your uh saying good things about your co-workers and even your employer, when you cease to be able to be loyal and do what they've hired you to do and be kind to the people that work there and kind about the people that run the business,

then that's when it's time to go. Before you start talking negatively and go, well, you know, because what Ken's saying is true. Eventually those things will start to deteriorate if you don't find some level of reconciliation in your mind on this values collision. And I wouldn't tell you you absolutely have to quit. As a matter of fact, I don't think you should today. But I do think you just need to be aware that this is going to take you one direction or another.

And you need to keep this incredibly wonderful character you have where you speak highly of your employer until you leave. And then even then, you know, don't stay. If they're horrible people, just don't stay. But that's not the case. You're dealing with good people, you're saying, people you like working with. And so you don't want to do that. It's a very, very good question. Hey, thanks for the call and

ken i get the question a lot over the years of you know i went through financial peace university i own a restaurant now i feel weird taking credit cards right um well i don't i don't tell you know i own a car dealership i feel weird financing a car um yeah i think the thing you have to do at that point is i'm in the business and have been for 30 years telling people cut up your credit cards don't borrow money under any circumstances so for me to borrow money or offer debt here in any way would be so hypocritical it would be unbelievable it's different if you taught financial peace university at your church and you own a pizza hut you know that that's you're not you're engaged in the pizza business great point and so if you take credit cards there i'm not mad at you you take debit cards credit cards now what

you wouldn't want to do because you don't believe in the misuse and the overuse of debt you wouldn't want to be involved in pushing it on someone or if you're a car dealer ripping them off with a subprime loan you wouldn't be involved in that. So you can dial back without turning off in some of these industries where you're not there. And an example in her case would be, hey, working for a credit union where they're all about teaching and all about building up savings, and they have some debt products, but you're not like the black sheep of the family unless you sell 42 credit cards a day. Yeah. She could also work for, for example, one of our SmartVestor Pros, where she's helping people with their finances and retirement and planning and teaching them the basics of saving and things of that nature that have nothing to do with pushing a debt product. She's got a people skill, and she's got a teacher's heart. Yeah. And those are good things in the financial world to move away from banking into something like the investment side,

like you're saying with SmartVestor Pro. That's a really good idea. Andrew is with us in Indiana. Andrew, welcome to the Dave Ramsey Show. How can we help? Hi. I have a question about getting the 15% saved for retirement, if after maxing out Roth 401k, going into two Roths, 6,000 each, I'm still not at 15%, does it make sense to go back to my company's 401k that allows me to do

after-tax contributions that they then immediately convert to Roth. Yes. Okay. Yeah, you can overfill by doing the Roth that way. And, you know, because Roth is after-tax anyway. So it's just a language nuance is all it is. You're still mathematically ending up in exactly the same place. You solved the problem, bud.

Way to go. So what's your household income? It's $260,000. Yeah, I thought so. Okay. Way to go. What do y'all do for a living? I'm an attorney. Okay. Very good. Good for you. You've done really well. Yeah, you did the proper thing. You know, fill up the 401k. That's $19,000. And your wife doesn't work outside the home, right? Right. Okay. So you fill up the 401k. You got that available And your wife doesn't work outside the home, right? Right.

Okay. So you fill up the 401K. You got that available to you at 19. Then load up the two. If you don't get into highly compensated on the 401K back at the office. But anyway, fill that up and then do the two backdoor Roths, which you did. And that's what I do. I fill up my 401K.

I do two backdoor Roths. And then above that, you can do the after-tax and convert it to a Roth. That's a very good solution. Very well done. Man, I love it. Thanks for the question, Andrew. This is the Dave Ramsey Show. folks i love telling you about well-made well-thought-out products today i'm talking about grip six belts i don't know about you but i'm not a fan of traditional belts they never fit

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Tomorrow night, for most of you, Thursday night, April the 23rd, at 7 p.m. Central Time, 8 p.m. Eastern Time, we're going to do something we've never done. We've done a lot of things in the last 30 days we've never done. For you, that is. We've done a lot of things, period. But for you, this is the first time we've ever done an entire evening event, a Financial Peace live event broadcast virtually for free.

And not virtually free, but virtually for free. It's 100% free. Tomorrow night, we're live streaming Financial Peace live. The video was shot in fabulous high-def everything back in the fall when we did this event at Charleston, South Carolina. It's Chris Hogan and I walking you through the seven baby steps. Not stuffy financial talk. You will laugh. Some of you will cry.

Some of you will become convinced that you can win with money and that the coronavirus suppression is your wake-up call for that. So tomorrow night, Thursday the 23rd, 7 p.m. Central at DaveRamsey.com, completely free virtual event, Financial Peace Live, Dave Ramsey and Chris Hogan. If you want a reminder, text the word virtual, virtual, to 33-789, virtual to 33-789. And, Ken, these are events that we have done for years. Years ago I called them total money makeover events and then we called them something else and then finally we just changed them to financial peace live uh because we go through the seven baby steps of course in the financial peace itself but these events uh you

participate in these kinds of things that we've done around here these huge live events they're a lot of fun and chris hogan is a world-class communicator he is so fun to listen to he's so good you know i had the privilege to host probably 30, 40 of these events. The environment is so infectious. You'll feel this even watching this on Thursday night. Because as you said, it was so well shot by our crew, the venue, you and Chris's energies off the charts, the content you know. I've got to tell you, it is made for TV. It really is.

And it's going to be wonderful. And I will tell you, there's something about watching a live event where the speakers and the audience are all aligned. The audience knows why they're there. They know what they want. Dave and Chris know what they're teaching, why they're teaching it. It's going to be great. I'm really excited about it. I've seen some of the footage. Again, I got to host about 30 of these events. It's electric. It really is. You and Chris both bring the passion, the humor, and the practical steps that will put you in a place where you will never, ever again be susceptible to a disruption like this. Financial Peace Live, a virtual event going through the baby steps, Thursday the 23rd, p.m central 8 p.m eastern text the word virtual to 33 789 shan it's free shannon is in virginia hi shannon welcome to the dave ramsey show hi dave hi ken thank you guys so much for taking my call thank you for all you do i really

appreciate it thanks my question for thank you my question for you is, I'm actually a nurse practitioner. I work in the ER. I work in an ER that is not in a COVID hotspot. In fact, we've actually been negatively affected by COVID. Our ER volumes have decreased by about 40 to 50 percent. My hours for the month of April have been slashed by about a third. And there's actually an article released about two days ago that stated my physician group I work for may be declaring bankruptcy. So my question for you is just kind of, yeah, just kind of looking for advice on how to prepare for this uncertainty and how to, you know, handle this uncertainty going forward in the future of all these unsettling times. Well, the first thing I would tell you to do is focus on what you can be certain of.

You're not 100% certain. I don't even know what your percentage of certainty is on a story like that as to whether or not it's actually going to happen. And if it does happen, you know, what that timeline would look like. So there's a lot you can't be certain of. But here's what you can be certain of, that you are very qualified in many different ways in the health industry. And so what I would start doing is looking right now, I mean immediately, where would you go if they gave you that news today?

What would you do? What would need to be necessary? What would need to be true for you to get yourself in a position from a connection standpoint using the proximity principle, which says getting around people who are doing what you do in places where it's happening, using that web of connections that you already have, I'd begin identifying multiple landing places if this were to happen today. So that's going to ease a lot of the anxiety that's natural with facing an unknown. Shannon, if you had found two jobs, three jobs that were hiring in the nursing field, and there was a high probability you would land one of those,

and every one of them you got a raise, your level of worry about this would have just evaporated. Yeah, correct. You're right. Yeah, and that's what ken is saying and so the the thing is options and knowledge give you power even if you don't act on them and you stay with this physicians group which was nothing wrong with that by the way if you choose to stay there having the other options validates your career choice validates you as a

person somewhat not like you're defined by what you do but it does help to have people say i like you and uh and it validates the the value of your career choice in the marketplace meaning what they will pay so if you just go go get you some things that look like they're about to be an offer or they're an offer, and then that lets you calm down and go, well, if they do close this thing up. Now, by the way, there's several types of bankruptcy, and if a physician's group files bankruptcy of size, then I suspect it will not be a Chapter 7. It would be a Chapter 11 reorganization, which means they continue to operate, and they will keep some of their crew

to continue to operate if they go that direction so you know if all of this occurs it's all a big if but either way it just never hurts i mean i can't tell you how many times i've talked to friends who went and interviewed for a job and they actually got an offer and it just made them like their current job more and they stayed where they were but they you know it just gave them power yeah she's in my home state the lovely amazing commonwealth of virginia and i'm following what's going on there because i have a lot of friends in politics there shannon and hopefully your governor is going to ease some things but the reality is is that there's a certain amount of emergencies and things that haven't stopped happening, and they're going to happen. The other thing is that there are other areas, wherever you are, where they may need some health care professionals,

and making that pivot is not going to be as difficult as you think it might need to. Richard's with us in Florida. Hi, Richard. Welcome to The Dave Ramsey Show. How can we help? Hello, gentlemen. Thank you for having me. I'm honored.

Sure, you too. How can we help? All right. So my wife and I, we met in chiropractic school. We got married halfway through, moved to Miami, Florida, and immediately after graduation, opened up our own clinic. Luckily, it's been going really well. We do a little over $2 million a year. The good thing about being a chiropractor is our overhead is pretty low,

so we're doing okay. However, my question is, obviously, I'm Christian, so in church, I've been following Financial Peace University, but I didn't really know your principles until recently. Now, during this coronavirus, I've had more time to study, but I've been doing the opposite route. We've actually been investing in income-producing real estate, such as we have two duplexes. We bought a single family home residence. We were kind of ignoring our student loans. We don't really have any debt except for our student loans and our real estate property. Now, after listening to you, I'm motivated to just knock out these student loans.

We each have $250 a piece. We have cash on hand. I mean, obviously, I need some working capital for the business, but we won't have a problem really paying it off. But my CPA is recommending that we purchase a shopping plaza, put our second location on there due to the tax benefits that that would have. Yeah. You need to fire your CPA. Yeah. or a second location on there due to the tax benefits that that would have. Yeah. You need to fire your CPA. Yeah.

You need to fire your CPA. He's an idiot. Yeah. I'm serious. He's going to get you so far in debt, he's going to bankrupt you. Okay. The reason you're calling me is you felt, once you got connected with the truth of this word, that the borrower is slave to the lender, once you got connected with the truth of this word that the borrower is slave to the lender, once you got connected with that, your heart started ringing.

It started singing. And you went, I'm paying off the student loans. I'm going to feel good. And he's taking you the exact opposite direction. He is no longer aligned with your goals. And he's giving you bad advice on top of that. He's teaching you to do stuff he would never do. Yeah.

No, I would not tell you to buy a shopping plaza for the tax write-off while you've got $500,000 in student loan debt. No, thank you. Ouch. This is the Dave Ramsey Show. If you do this one simple thing that we all do, you are literally at risk of being hacked and someone stealing what you've worked so hard for. Do you ever use public Wi-Fi?

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Thanks for joining us, America. Ken Coleman, Ramsey Personality, number one bestselling author here, taking your questions about jobs and careers and money, and so am I. Let's go to Alex, who is going to join us from Texas. Hey, Alex, how are you? I'm good, good. Thank you so much for taking my call. First of all, I wanted to say I started my baby steps in January. I'm already on baby step two. So having that emergency fund, I'm not too worried about everything that's going on. But my question was kind of for Ken right now,

it's kind of a two-part question. I have a degree that I am not using. I completed that degree. It is a vocational program in medical coding and billing, and I'm not using it. I finished the degree, but during the time that I was doing the degree, my current job ended up giving me a big raise that was more than what I would make if I started that degree. And I'm kind of on limbo as to whether in the future, maybe after all of this is over, I should take that degree and take the pay cut so that I can actually put that to use. Or I should start looking for a job, which I had already started looking for a job before all this started. And something that I actually feel passionate about, which is purchasing, which is what I currently do at my job.

Yeah, I want to set you free from any guilt that you have right now about using that degree. You don't owe that degree anything. It's something that you did. It's something that you did. Good job on you. You completed the degree, but you don't feel, you don't need to feel responsibility to go that direction. The question is, what do you really want to do? You've already begun to look in, and I'd love to know, what is that dream job, something that you've looked forward to for a long time? So definitely, you know, I want to be able, what I do right now, which is in purchasing, and I actually love my job. The thing is that I've been here for the past five years and there has been no increase in pay in the past three, yet I've had more and more responsibilities as

people have left the company that aren't necessarily related to purchasing, but I definitely have gotten a lot more responsibility but purchasing you know being able to do numbers pick up sales looking at uh at the um the cost sheets uh having really vendor relations like that's something that i definitely really really enjoy and so is that the answer is that the 10 year 15 yearyear play? You're a professional in procurement and purchasing? I would think so. The thing is, I wasn't able to really go into medical coding and billing to see if that was something that I would have enjoyed. Well, okay, so let me address that real quick, because you still get some doubt associated with that. And so here's what I want you to do so that you get clear of that doubt and maybe the

guilt, which I think is driving the doubt. Why don't you actually just have a phone conversation or a Zoom or when we can do coffee without somebody giving us a dirty look or we can do lunch with people, why don't you actually hang out with some people in medical billing and medical programming? Why don't you just talk to somebody who's in it and been in it for a while? And it's like you're doing a book report or a college term paper on that person's career. And in doing so, you're going to get confirmation that, yes, I still have a little bit of a flame for that.

I think I actually might want to do that. Or I suggest to you it's probably going to confirm, I wouldn't want to do that if you paid me to do it. And so then you get past that. So here's's probably going to confirm. I wouldn't want to do that if you paid me to do it. And so then you get past that. So here's what you need to do. Once you get past that, I want you to be thinking, what would the ladder look like to be a world-class procurement purchasing professional? Is that at a Fortune 500 company? Is it a small business?

What does that field look like? And when you get a long-term picture of what growth looks like and advancement looks like, that's your path. Alex, did I understand you to say that if you went to medical billing, you would go to a job you don't like for less money? That was actually what I was about to mention. On what planet is that smart? It's not. Well, just forget it. Just is that smart it's not well just forget it just forget it you're not gonna do it it would be stupid to do something you don't like for less

money there's nothing in the sentence that makes sense yeah just you just you just didn't do that that's okay so what you didn't waste time and money yeah yeah move on go do something you love and get plugged into purchasing and move up the ladder and purchasing get with a purchase with an organization that you know you can get raises with and you can advance your purchasing career with apparently the one you're with isn't that and yeah go do it kiddo i mean there isn't that's in the rearview mirror and the rearview mirror is smaller than the windshield for a reason. Move on. It would just be dumb to go, I'm going to go do something I hate for less money. I mean, if you told me it was double the money, you could at least have a logical discussion.

Yeah. But less money, and I don't like it as much. There's no draw card at all. None whatsoever. Yeah. Don't waste any draw card at all. None whatsoever. Don't waste any more time on it. Just walk away. Leave it in the rear view mirror. Leave it standing on the sidewalk. It's a bad boyfriend. Move on.

That's all it is. Listen, what's the percentage of people don't use their degree? A lot. I don't know. I don't have any data. It's north of 50%. It has to be. Well, it is. I've seen the data, but I can't quote an actual statistic. I get't have any north of 50 has to be it what it is i mean i've seen the data the data but i can't quote an actual call a lot though dave and what she's saying is she said i really don't know she on one hand she said would i go back if i don't like it but i

don't know if i don't like it and it's all this what if what if what if all driven by i believe guilt that she feels like she's less well i spent all this time i spent all this money that's the issue on this and somebody told her she was done when she was doing it so now she feels like they're right it's all doubt and guilt that's exactly it's condemnation and condensate condensation not condensation but not an air conditioner but yeah oh good lord get me out of this but anyway yeah it's a normal thing to feel that but what we just did with her is we walked her through the facts first of all you're saying i might not like it or i might like it well she doesn't know get clarity and then move on yeah yeah i got clarity already i'm not doing

it yeah i mean it's just right well that's when i look over there at something and i can see from a distance i'm not gonna like it i don't need to get closer well i agree with that i agree with that but i was addressing her saying because there's a lot of people who go well i'm not 100 sure then get sure yeah yeah put it to bed yeah because you you actually won't move on properly yeah if you don't get sure agreed darius is also in texas hi darius how are you hi dave um. I'm fine. How about yourself? Better than I deserve. How can Ken and I help? I am going to start at the university in fall, and I'm looking at the numbers, and I'm trying to figure out how am I going to pay for this.

Right now, I have about, after eight, I'm going to get about $9,000 in total cost for the whole year, for the first year. And I'm kind of mind boggling on how I'm supposed to be able to pay for that because my parents did not save any money for me for college. So when is the money due? I'm going to pay for this by myself. When's the money due? So I think, this is all estimation, I think I'm going to need to pay about $1,600 at the beginning of the first semester in August.

And I currently have about $1,000 for my part-time job, but after that, I'm not sure how I'm going to pay for the rest of it. Okay, are you in high school? Yes, sir, I'm in high school. Okay, and so you'll be, uh you know you're out of school probably for the rest of the year i assume right yes sir okay and you're but you're supposed to be doing lessons from home and graduating and so forth for the next month is that right yes sir okay and uh so it the the thing that we always ask ourselves around here and it's a basic goal setting process is we say what has to be true

for me to be able to pay for school next year and you need to lay that out in detail the 1600 on this date 9 000 over the course of the year and then i then i ask myself okay i've got june july and august i have three months to get $9,000. That's $3,000 a month. That is about $750 or $800 a week. Okay? Yeah. Which means you're working like six jobs all summer. I don't care what they are, cutting grass, walking dogs, whatever you do.

But it's not minimum wage, and you're going to be working like an animal all summer long but you need you need to make 700 bucks a week by just working 80 hours a week for three months and you'll have nine thousand dollars and then you got your year paid for and you got to do the same thing then by next year so you got to kind of then you could slow down a little bit but you're gonna be working while you're in school for next year then. But just what has to be true and what kind of job have I got to get to hit those numbers? But you can make $3,000 a month. Definitely can do that in today's age.

But you're going to be working a lot. Your summer playing and screwing off between high school and college ain't going to happen if you want to go to college. Well, welcome to being an adult. This is the Dave Ramsey Show. In the middle of these uncertain times, Ramsey Solutions wants to give you some hope. For the very first time ever, we're giving you Financial Peace University free for 14 days. Go to DaveRamsey.com slash hope so you can watch from home.