The Ramsey Show - App - You’re Not Scared Enough of Your Debt Yet (Hour 3)

Episode Date: May 24, 2023

Dave Ramsey & Ken Coleman answer your questions and discuss:  "I'm doing the work of 2 people and feel like I deserve a raise..." "Can I buy a car while paying off debt?" "Should I change careers just to get a pension?" Using savings to pay off debt, Moving for a new job with a promotion. Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Live from the headquarters of Ramsey Solutions, broadcasting from the pods, moving, and storage studios, it's The Ramsey Show, where we help people build wealth, do work that they love, and create actual amazing relationships. Ken Coleman, Ramsey Personality, host of The Ken Coleman Show and author of the number one best-selling book, From Paycheck to Purpose, all about careers and work, is my co-host today. The phone number is 888-825-5225.

Scott is going to start off this hour from St. Louis. Hi, Scott. How are you? I'm better than I deserve. How are you? Better than I deserve. What's up? Well, I've been, I work at a mid-sized church here in Missouri, and I've been doing the job with two full-time people for about three and a half months, uh you know i just need some advice on what to do for my career and um what my next steps are do you want to stay there and keep growing within that organization well um i i do i do love the church in that. I love the area, our community, our life groups. What do you mean when you're saying you're doing the work of two people?

What's that mean? So I work in church media, and our previous media guy left about three and a half months ago. So I've been doing everything from Sunday production, video editing, graphic design, volunteer management, social media. So I'm just doing everything. And I had about, whenever he left, I said, okay, I can probably do this for about three months. And three months is it. I haven't heard anything about my job. So I'm not sure. So, Scott, that's why I asked you the question, because if you weren't doing the job of two people right now would you be calling us right now about

your career and your future or is this i'm exhausted and i'm trying to figure out if i stay or i go that's what i'm trying to get to the heart of would you be calling us if you weren't doing the work of two people well before he left uh i might have, because I was, you know, just my passion is video editing and related kind of things. And I was more set as a social media sort of role. Okay, so let me interrupt real quick, because that's an important distinction right there. And I want to validate what you're feeling, because this is not not you're not i don't think you're being sensitive here it's if you're spending more time doing something during your day that you really don't enjoy that's going to eventually wear on you so in other words i would say you're probably um you're probably on the right bus but you're in

the wrong seat on the bus is that a fair diagnosis diagnosis? Yeah, I'd say that's fair. Okay. So when you ask an open-ended question, I need some career advice. No, we've got to really figure out, okay, what's the tension you're dealing with? And you've got two tensions I hear. One is you're feeling a little overworked, and when someone feels overworked, it's very easy for them, Dave, to start to feel underappreciated, even though that may not be the case. I mean, there are times where we are in a great organization that we want to be there and we're shorthanded. You know what?

We've got to pull the weight of two people because we believe in the mission. So that's one option. The other option is when you feel overworked and you're not hearing anything about, hey, when am I getting some relief? You start to believe that maybe you're underappreciated and we've got to deal with that. That's one tension. The second tension is, are you in the right seat of the bus, on the right seat? I don't think you are, and so now the question is, what must be true for me to get into that right seat at this

current church? Do you understand? And so you're going to have to talk with your leader about both of those. This is an adult conversation where we don't go in with attitude. We don't go in feeling offended. We go in with some humility, but we say to our leader, I need your leadership. I need you to weigh in on this. We're about three months in. I'm feeling a little overworked here, and I just want to get some direction from you. And then ultimately, I want to be in video editing, and I'm spending a lot of time over here.

What are your thoughts on how I can get more into that seat? We've got to have that conversation first, because absent of that conversation, you're filling in the blanks, and that's not fair to your leader, and it's not fair to you. Yeah. Does that feel like where we're at? I think so. You know that time when you couldn't read your wife's mind? You remember that time?

You know, Turner passed. Yeah, yeah. Well, your leader is the same way. You can't read your mind. They don't know what's going on. So you've got to go in and sit down and go, hey, listen, I'm more than willing to carry the water here. And I knew when so-and-so left that somebody had to pick it up, and I was willing to do that.

I can't do that long term because it's going to break my back. And so let's talk about how we get some of the weight off. And let's talk about how I can serve this place best in video editing and how we can have a game plan to get there. And if I can see how we're going to get there, then I can help us carry the water. I'm a team player, okay? And I'll do whatever it takes. I'm not a whiner, but this is not sustainable. And if your leader hears all that, they go, oh, yeah, well, I just thought you were getting it all done.

I didn't know you were working 80 hours a week. I thought you were working 40. No, they know I'm doing a bunch of overtime. Okay. Yeah. But again, you've got to have the conversation, because this is when you find out, by the way, Scott, if it's a healthy leadership culture.

Yeah. Dave, what's a healthy leadership response to that when a person comes in with the right spirit and shares it that way? I mean, we don't want you to work more than one full-time job and we would prefer you to work in the in your skill set and we would prefer to work in your passion which usually are similar and so yeah you've got you know so if you want to move to video editing hey i'm going to start we're going to we're going to post and we're going to try to get the backfill on the other piece and uh thanks for helping us until we can get that backfill and we'll get her done you know i mean that's uh i can't but if you expect them to wave a wand and

in 20 seconds suddenly not you know this other position to be filled you got to work with that's right but if you're willing to do that a healthy leader is going to come alongside and go yeah obviously we're a man down the guy quit and uh you picked up the slack thank you and so now we got to have a plan to cover the backfill that's right and the backfill may involve picking up your old job and you take the other guy's old job that's exactly right which moves you over to video editing if i understood the story right that's right yeah good stuff and i hear this a lot dave and i see it a lot on social media and i want to caution some folks out there that are feeling some frustration.

And I'm going to challenge you for a moment. I want to provoke you for just a second. It's not okay for you to be frustrated at your leader if you have not properly communicated with your leader. Now, I rail on bad leadership all the time because I see it and I hear from people that are quitting jobs. But I also will be the first to say, if you haven't communicated to your leader very clearly what's going on and work with them and give them a chance to actually lead with humility. That's right. Don't walk in there with a case of

demands. But if you haven't done that, you don't have the right to truly be frustrated because as Dave is, that was a great analogy. It's like trying to have your spouse assume that they can read your mind or you can read their mind. It just it's not healthy well when you're dropping the pots and pans from 18 inches into the end of the thing and then i say what's wrong you were supposed to have already told me before you started dropping pots and pans that's a very good i can't read your freaking mind you know that's from 41 years of marriage. Thank you very much. Yeah.

And leaders are the same way. Yeah. Same deal. Every wife uses that technique, I think, at some point or another. The door's just a little bit louder. Is something wrong? Nothing's wrong. Blank!

Nothing's wrong. Blank! Right. It's like, yes, something's wrong. This is The Ramsey Show. Ken Coleman, Ramsey personality, is my co-host today. Caroline is with us in South Carolina. Hi, Caroline.

How are you? Good. How are y'all? Better than we deserve. What's up? So, I just had a question about buying a car while we're still in baby step two. We've got about $20,000 in debt to pay off. We currently have a 19-year-old Honda Odyssey, about 237,000 miles.

Great mechanical condition, but it is a salvage title because of hitting a deer. And our other car is a 16-year-old Buick. It's only got 128,000, but we've had to dump close to 2,000 into it recently. So I kind of told my husband no more than maybe another 500 if something breaks down. So I'm just trying to figure out, should we get another car? And if so, which of the three options I'm considering makes the most sense? What's your household income? Gross is about $90, but take-home is only about $65 because of mandatory retirement.

How much debt have you paid off so far? So that's a long story. We just kind of stumbled back into it accidentally. I might be an education addict. We had actually paid off $60,000 on my master's debt, and then I was working on my doctorate and had some cash flow issues and stupidly went back in. Okay. And that's the $20,000?

Yeah. Okay. And I should graduate either the summer or the fall with my doctorate. Good. And what? Education. I'm a teacher. Okay.

Will that change your pay? Yes, that will that between that and um south carolina government's also proposing so a pretty big pay raise so i should be looking at probably a ten thousand dollar bump in the fall nice very nice yeah all right here here um is what I heard you tell me. And I'm saying that because you get to choose whether I heard you properly or not because you're the one saying it. But I heard that every time something comes up that you want to do,

you jump back and forth in and out of this. I want a car, so I'm not going to do baby step two. I want to go get my phd so i'm going to go back into debt and you're never going to break the cycle as long as you leave options on the table to violate the principles um well i haven't had any trouble except for education like we've never had any other debt. No, you just presented trouble to me again. You wanted to go buy a car while you're paying off the debt from the last time you fell off the wagon.

Yes. So this is two breaks in the pattern. I'm not talking about anything crazy. No, but this is two breaks in the pattern. Listen, if you want to go get a car, you go get a car. I would not, in your case. It has nothing to do with the cars and it has nothing to do with the cars and has nothing to do with the financial situation. You have to break this pattern.

That's what I think. I think you have a pattern of jumping in and out, depending on what feels good right now and what you want to do. And I'm telling you, you got to plow through and have the transformation of the way you view debt and the way you view money and the way you, you know, you're not scared enough about debt yet. You're not freaked out and mad enough about debt yet to where you're fighting it like it's the enemy. It's just a casual annoyance. That's what all of your language said as you were discussing this. Yeah, it's absolutely right. She's got options, and we take a no-option stance. And so it starts to make sense when you make it an option, because then you look at an old van, you go, oh, we just put two grand in this.

I don't want to put any more money in this. You know what? There's an option. I can get a loan, get a car, and that makes more sense. I'd rather put money into something that's newer that I don't want to put any more money in this. You know what? There's an option. I can get a loan, get a car, and that makes more sense. I'd rather put money into something that's newer that I don't have to. And it's just a cycle. If I'm going to quit eating donuts, I can't have them in the house. Right. It's not an option. Probably not a good idea to drive by that donut place either.

Yeah. Sometimes that happens, but I keep driving. You know, I can't turn in. If I turn in, it's over. Yeah. I can't, you know, if I have them in the house, 100% chance I'm eating them. Oh, yeah.

100% chance. Now, when I was breaking the cycle, what I would do is get up during COVID on the weekends at 6 o'clock in the morning, and I would go get donuts because nobody was out and take them to my grandkids, and I would do that to make myself handle donuts and not eat one wow and i did that to force myself through the process but now i know that i'm weaker now than when i was early and more enthusiastic in the process yeah and i can't even have them

in the house yeah because i will eat them i'm impressive that Papa Dave didn't just at one point at a stoplight reach over and grab that one. Grab that chocolate covered hot light is on, crispy cream and pop. That's my kryptonite. I know I couldn't do that right there. So you're telling you all of us. My point is I'm no different, Caroline. That's correct. We all have this. And so you have to have

a no take no prisoners approach to change a behavior pattern to install a new principle in your character that you weren't doing before and you don't have a take no prisoners attitude about this and that's okay we can still be friends but you're you're not going to execute these things well and and with thoroughness until you do so So I would prescribe, no, don't buy a car. Get mad. Pay off the debt because the debt's standing between you and getting a decent car because

you're driving a couple pieces of crap around your house. And I'd be sick and tired of being sick and tired of driving crap. And this $20,000 is in my way. And I got to get rid of that so I can get an emergency fund and save up money for a little better car. And I'm going to go do that in a very short period of time, and I'm going to be really angry about it in a good way. Yeah.

I like that, by the way. I don't want people to miss what Dave just said there. It's simple in what he said, but it's pretty profound in that you change the narrative to, I've got a PhD, I'm getting a nice job, I'm tired of driving around a piece of crap, so I'm going to save up, change my lifestyle, and buy a nice car cash. It's a completely different shift on the focus and the mindset, and it actually works. Well, you just got to say, I'm done with this.

I'm not going to play games. I'm not going to play footsie with this anymore. You take the option off the table. I don't go in banks. I don't go in the donut shop, and I don't go into a bank. The only thing banks are for is making deposits. That's all they're for. Tell you what, all this talk of donuts, I might stop by the shop on the way home tonight.

Yeah, well, you'll have to see. Should I? Come on, Dave, talk me out of it. Send me a picture and tell me about it. I thought Dave was going to cuff me there, folks. He's not helping me here. He's not helping me. But no, it's really true.

It's taking the option off the table. I know you and I feel the same way about marriage, and I don't want anybody to feel guilt or anything, but committing to one person, you have to take the option off of the table. We're not going to quit. Murder's an option, but divorce is not. That went a little dark. I didn't see that coming. One of my pastor friends says, you will never hear that he cheated on his wife.

You will hear he died tragically in the home right that's good oh man it was a tragedy tragic it was a tragedy tragic well there's an extreme thing because there there is a principle in the principle of transformation the principle of behavior modification that you have to and it is smart to swing the pendulum way over into crazy to completely break the cycle in your brain right and then when you comes back a little bit doesn't come all never wanted to come all the way back because you're in crazy over on the other side but when it comes back a little bit you're relaxed a little bit my budget has a lot more margin in it than when i very first started doing a budget and i was a broke person it was to the penny yeah and now it's like yeah well you know sure i'm still

got a budget still got a plan right and i used to have groceries separated from restaurants because i couldn't right i would we'd go out to eat and use up the grocery money. And, but so I had to have more, I had to swing it more detail, more intentionality, more intensity. Yes. But now 30 years of doing this, I mean, we've got margin in the budget, number one, number two, you know, it doesn't matter. But you and Sharon and all the people that have done this, you break your appetite for debt.

Yeah. I mean, years ago. I break my appetite for living without a plan. I'll always have a plan. Exactly. But I got rid of sweet tea years ago. I can't even drink it anymore, Dave. You know why?

Because for about seven years, I hadn't had it. You're not even a real Southern. I know, folks. But now it's disgusting. Give up your Southern man card. I know. But you change your appetite, and that's huge. But you've got to break it.

I was okay with the donuts. The tea just got me. I know. Well, that's just my only thing. I like other sweet things, but not the sweet tea anymore. It's too much. Too much. We really had sugar, and the tea was an excuse.

Yeah, exactly. This is The Ramsey Show. Well, the stock market's weird. That's a statement that'll stand up almost any time. Things are going bad, things are going good. You can just say, the stock market's weird. Yeah, there you go. Hey, if you're freaking out, don't. Market dips don't mean you have to retire broke.

It just means the market's going up and down. Roller coasters are no fun if they're flat. And no one gets hurt on a roller coaster except those that jump off in the middle of the ride. Listen, if you had invested $100 a month from age 25 to age 65 in the last 40 years, you'd have well over a million dollars in a good growth stock mutual fund. Now, I know some of you are going, that's a great plan, Dave, if I was 25. But you can start where you are.

That's the place to start. And a huge predictor of investing success is that you actually invest. Oh, that changes the numbers substantially. All this theoretical discussion is a bunch of crap so get a pro in your corner go to ramsey solutions.com and click on smart vester ramsey solutions.com smart vester and you will find what we call a smart vester pro which is the group of pros thousands thousands of them across the nation, that we have vetted and that have the heart of a teacher and that help you with investments the same way we talk about here on the air.

So when we talk about spreading across four types of mutual funds, growth, growth and income, aggressive growth and international, they're going to help you do that. We talk about buying mutual funds with a long track record, not something that's been open two years. They're going to help you do that. And they're going to show you and teach you and teach you and teach you and teach you to where you will say, I invested using a SmartVestor Pro, not I got a SmartVestor Pro to do my investing. You should never do that. You should always do your investing with the help of a teacher.

That is you being a grown-up and taking responsibility for your future. So, RamseySolutions.com slash SmartVestor and get somebody in your corner to help you do your investing. Davina is with us in Houston, Texas. Hi, Davina. Welcome to the Ramsey Show. Oh, my God. I can't believe I'm talking to you. Hi, how are you?

Better than we deserve. How can we help you? So I'm a nurse. I only have a 401K in my job, so I'm wondering if I should switch careers and be like a flight attendant or something or go work somewhere where I know they offer a pension if I stay for like X amount of years. I don't really know what to do. No, you probably should not do that because it sounds like the only reason you're considering a career change is because of the so-called pension that you think is more valuable than

your 401k. Is that fair? Yeah. You like what you do now as a nurse. You enjoy it. Yes? Yeah. Yeah. Okay. Yeah. No, you should do now as a nurse. You enjoy it, yes? Yes. Okay, yeah, no.

You should not do it. Okay. You have just as much investing power yourself, and the pension is not all it's cracked up to be. It sounds like one of your patients was smoking dope and told you to do this. This guy talks you into this pension thing. He was sick, Davina. Remember that, okay?

Was he on pain meds at any time in the conversation? Oh, yeah. No, no. Listen, listen. Why shouldn't she do that, Dave? Listen, never take a career choice because of benefits. Money will always buy benefits go make money put it in your 401k put it in your roth ira beef up your insurance if you need to because they don't have great benefits at

your place but i have never made financial decisions as far as my career goes based on benefits. And I've always made enough money to provide myself any benefits that I would have needed, including retirement, including the ability to retire with dignity and so forth. Choose a career based on something you're gifted at, that you love, that you can pour yourself into, and that you can make a really good living doing it. And the benefits will take care of themselves. Either you will take care of them, or they will show up at the place you work, one of the two. But don't go, I got whiplash.

I'm a nurse, and then I'm a flight attendant. Or something. It was just like, I've got to go where the pension is. Dave, I— That's old school. Pensions aren't all they're cracked up to they're not good at all why do people think they're so great well they're almost all gone right that's the other thing just about out of the business and many times poorly managed i doubt if you were a brand new flight attendant entry level today if you're going to qualify for a pension they

probably have done away with them yeah there may be one airline that still has that or something i don't know but that's just not a plan not a plan nope nope nope go make money yeah and that will cause you to have the money to buy your stuff all right jacob is in greenville south carolina hi jacob welcome to the Ramsey Show. Hey, Dave. How are you? Better than I deserve. What's up? Yes, sir. I was wondering how much should me and my wife complete our savings to pay off our debt with a one-year-old son at home?

Down to $1,000. Not counting your retirement. Don't touch retirement. Yes, sir. We don't have any. I don't have. But she had the 401k. I don't have a retirement.

Okay. I would stop adding to the 401k temporarily, and I would get on a detailed written budget, and I'm going to attack the debts smallest to largest, paying minimum payments on everything but the little one, and attack the little one with a vengeance. We call that the debt snowball. When the little one's gone, you take all the money you can squeeze out of your

life and your budget, and you throw it out to that. You don't eat out. You don't go on vacation. You're not going to see the inside of a restaurant unless you're working there. So we're going crazy. We're completely focused and going to knock out this debt really, really fast because with only $1,000 in the account, I i am really nervous that is not a good long-term plan but it's a great short-term plan to get the freaking mess cleaned up how much debt have you got i have a 19 about 19 000 okay on what um i have a uh nine thousand dollar uh truck payment um eight thousand dollars we got our windows replaced um just recently that's uh for our windows replacement um twelve hundred and uh medical and fourteen hundred student loans

gotcha and what's your household income uh bring home pay between both of us is sixty two thousand all right and how much is in savings twenty one thousand okay all right we can just about clear up all your debt yes sir that was my question i just found you two weeks ago um and i'm i just bought your book and i'm all in so is she that was my question yeah yes sir she's coming around okay yes sir she's uh she's nervous about getting or getting our savings hit so you don't let another salesman in your house sell stuff like windows again. Unless you're going to pay cash for it. Okay? Because that's what happened.

That's what happened. Somebody came in and sold you windows. And obviously you're going to pay cash for any vehicles from this point forward. Your most powerful wealth building tool is your income. And what we did was we got rid of a truck payment a window payment and a couple of other little things that were just bothering you and now we got your entire budget cleaned up and now very very quickly with no payments at all we're going to take that one thousand dollars and build it back up to 20 yes okay okay jacob have you written down or do

you know off the top of your head all of those payments right now from those debts you listed out? What does that add up to each month in your budget? We would. How much is a truck? I have to look at my budget. How much is a truck payment? All payments $280. We've been paying $300 a month.

Okay. $300 on the truck. How much is a window payment? Minimum is $350. we've been paying 400 that is interest free but that doesn't matter and uh you said the other was a medical you pay anything on it yes sir we're paying the minimum amount at uh 321 a month wow okay 300 okay and the 1400 what's the payment on it on that student loan yes i'm putting a hundred dollars toward that okay all right look at this number jake there's 1100 bucks a month yes sir okay so you got 1100 bucks a month

plus whatever else you can squeeze out of your budget and so in about 18 months or less you're going to have your 20 000 built back up probably about a year you're going to have your 20 000 built back up and so you're only going to be at a thousand dollars for one month yep your wife needs to know that's this month yeah hang on we're going to put you guys through financial peace university we appreciate you joining this tribe you're brand new to it and we're going to pay for you to go through the class for free on us both of you go through the class together and go become millionaires and then we'll brag on you this is the ramsey show our scripture of the day james 4 17 so whoever knows the right thing to do and fails to do it for him it is sin peter marshall, May we think of freedom not as the right to do as we please,

but as the opportunity to do what is right. Ken Coleman, Ramsey Personality, is my co-host today. Vincent is with us in Houston, Texas. Hi, Vincent. Welcome to the Ramsey Show. Hey, Dave. How you doing, sir? Better than I deserve. What's up? Yes. Basically, my question is, should I move and commute for basically a promotion, which turns out to be $80,000, approximately $40 an hour, or stay with my current $18 an hour and make approximately $40,000.

So it kind of doubles my income. But the thing is, if I take the promotion, obviously I will have to move. And the cost of living, it will be almost triple what I'm paying now in my mortgage. My mortgage, I pay approximately $800 a month, of course, plus utilities, which is not much. In the new place, it will be around maybe $2,200 to $2,500 a month plus utilities. Where are you talking about moving to, Vincent? Dallas, Texas. Where?

Dallas. Dallas. Okay, so the cost? Dallas. Dallas. Okay, so the cost of living in Dallas is not triple the cost of living in Houston. Your housing situation may go up, but the cost of living is very similar in the two cities, all the other costs of living issues. So your current residence, you own it, right? Yes. So what is your mortgage balance on your current residence?

A little under $60,000. Okay. And what is it worth? It should be around $260,000. Okay. So you have a $200,000 equity that you would take to Dallas to buy something with, and that doesn't necessarily put you in a $2,400 payment. That's not accurate. All right.

Yeah, I was just thinking, uh this is kind of like um you know moving maybe for a few years because i mean i have my parents and everybody here you know my wife family and you know so i mean i've been commuting and i've been paying so what is the new job the new job i'm a aviation maintenance technician okay and there's no aviation maintenance technicians that make 80 grand in houston of course there is there well they are but i mean i i'm already i've been with the company for a few years and i just got the promotion you know you got a promotion that moved you to Dallas. Yeah, that's kind of what I keep thinking.

Like, man, does it make sense to... The way I'm looking at it is if I move, it's literally taking me... Let me tell you what I keep hearing, okay? You keep giving me 73 reasons why you don't want to move to Dallas. You don't want to move to Dallas. I don't want to move to dallas i don't okay and are you commuting yeah he's commuting to dallas that's crazy yeah yeah you can't keep it up so i think you look for an airline technician's job making 80 but i don't know why you need to make 18 an hour to stay in houston you don't if you're doing airline technicians work in dallas for 80 grand there's airline technicians work for Dallas for $80,000,

there's airline technicians work for somewhere around $80,000 to do in Houston, I promise you. There's as much aircraft in Houston as there is in Dallas. You'd have to change companies, but whoop-de-doop-dee, this company ain't working for you. Yeah. So you get to decide which pain you want do you want the pain of changing companies or changing cities no i i really don't want to leave my parents i mean they're they're getting

up on a change you just decide what pain you want so it's time for you to say i'm going to straighten my backbone and throw my shoulders back and change companies. Or I'm going to walk in and talk to my boss about making 80 grand in Houston because my days of talking about moving to Dallas are over because I'm not moving to Dallas. Yeah. Vincent, how long have you been with this current company? I mean, about three years with the new with the new with the new position has been a little like a year here's the deal it's a scary thing for people to move and you've got to identify what you're scared of okay specifically and i'm telling you once you identify what those are

there's there's no evidence of that. And Dave's exactly right. You have skill where you bring more to the table than just even be able to work on airplane engines. So you've got to open up your world to what your skill and experience would allow you to do to make the kind of money you want to make so that you stay in Houston. You know 16 people that work doing what you're doing at other companies. When you pick up the phone and call them, you're going to have a job in a week. You're just a guy that doesn't want to feel like you were disloyal to the other company, and you're not. If you want to give them the opportunity to hire you in Houston for $80,000, that'd be okay, too. Say, guys, I can't do the commute commute and I'm not willing to move to Dallas.

And so, you know, let's, let's, is there anything you can open up for me here that makes it close to that where I can do this job in Houston? And if not, then start making some calls to your buddies in the business. You've got guys right across the tarmac and you know exactly who they are. Their faces are popping into your mind as I'm speaking and you know you're going to call that guy and you're going to call that guy and you're going to call that guy and that gal and the lady that works the front desk at the fbo and in you know in three days dude you're going to have a job so because aircraft is that way right now. It's hot and white hot.

So, yeah, it'd be like being in technology or something. Yeah, you are in the driver's seat. So I appreciate your humility, but I want you to take on some more confidence and boldness on how you approach this gently and kindly with your existing company. But, Vincent, you don't want to move to Dallas. You told us that 73 different ways. So, no, you should not move to Dallas. You should get a new job in Houston making better money. Yeah, I agree because what will happen is you'll begin to resent this very opportunity

because your heart's in Houston and your body's in Dallas, and that's never going to work for anybody. It's not even fair, by the way, to resent this very opportunity because your heart's in Houston and your body's in Dallas, and that's never going to work for anybody. It's not even fair, by the way, to your current employer because you're half there, if that, over time because your heart's in Houston, and it's where he wants to be with his family. So it's a no-brainer. But a lot of people, Dave, are very scared of they just got a promotion, and it feels counterintuitive. It feels almost stupid, if I use a kind of a bold word to go i just got a promotion and now i'm going to leave and go somewhere else so that's because

you're too worried about what everyone else is going to say uh but but in this situation you know what's important to you and you've got to make work decisions that align with your values yeah your family you know you're you're a guy that lives in houston it's what you told us you very very clearly and so um so this is this this promotion for you was not a blessing other than it made you realize you're more valuable than 18 dollars that's right uh so it did help you with that part but it wasn't a blessing because it all it did was put you in a bind and made you feel like I'm being pulled by, oh, I should be smart and take the money, but I don't want to live in Dallas. And so that's the conversation you and I had here for a few moments. And you're good. You're a good man. By the way, I want to add one other practical thing, Dave, because I've counseled people on

my show on this one. He's also wondering, what does it look like? I just took this job and three months later, I'm looking for a new job. Nobody wants to look like a flake. And that's a legitimate concern, okay, because people look at your resume. But here's the narrative. You've got to sit and tell these new potential employers, you know what, I took this job because it was a great bump and I've been working hard for this, but here's the deal. My parents are older and I realize that I need to be with them right now. People understand that. That's not a flake. You're not going to look flaky and flighty and look like a job hopper. You're going to look like a guy who cares deeply about his parents,

and you know that for this season I need to stay close to home. And that's part of his concern. There it is. That'll do it. Good work, guys. Well done. Well done. That puts us out of the Ramsey Show in the books. Ken Coleman, good hour. Thank you, sir. Well done. We'll us out of the Ramsey show in the books. Ken Coleman, good hour.

Thank you, sir. Well done. We'll be back with you before you know it. In the meantime, remember, there's ultimately only one way to financial peace, and that's to walk daily with the Prince of Peace. Christ Jesus. Hey, it's Ken. If you like what you heard in this episode and want to know more about getting started on the Ramsey baby steps, go to ramseysolutions.com and click on the get started button. We'll help you figure out the best next step for you based on your specific situation. Again, that's ramsaysolutions.com

and click Get Started.