Excuses Are For People Afraid To Do The Work!

this is the ramsay show [Applause] [Music] you can be intentional about your character you can have money and a career you are the hero in your story live from the headquarters of ramsey solutions broadcasting from the dollar car rental studios it's the ramsey show where dad is dumb cash is king and the paid off home mortgage has taken the place of the bmw as the status symbol of choice ken coleman ramsey personality number one best-selling author host of the ken coleman show talking about careers and jobs is my co-host today so if you want to talk careers and jobs this is a good time to do it for sure the phone number is triple eight eight two five five two two five that's triple eight eight two five five two two five can your show on now 75 plus radio stations and sirius xm and a popular podcast has become the perfect one-two punch because ninety percent of my work has been on the out go side but there's two sides of this financial equation the income side is the other side i don't get to talk about that enough and you being in the marketplace teaching people that uh your income and doing work that matters and doing work that with your life that you care about um is part of the equation of building wealth that's absolutely right it turns out that when you do something that you're really good at and that you love you get promoted more because you are an attractive candidate an attractive team member because the leader says wow you know this person is clearly doing what they were born to do we want to give them more stuff to do you know a happy and an enthused you're an employer when you see somebody that's on fire you've talked about this a lot you we want to hire those people because you said you're one of my favorite davisms and i don't know if it's yours by the way but you can't light wet wood in that how you say it's not a yeah i stole it but yeah we'll give it you can't i mean it's really hard to light wet wood it is you know i was i'm burned out it's impossible you're never on fire you know i mean so you know it's just you got to get you know if you're happy notify your face i mean you ought to be doing something with your life that you love and that you're engaged with right and sometimes if you that means changing from what you're doing and um you know you have the seven steps to getting to a career yeah uh that that you love and that you're passionate about and the first one is get clear the second one's get qualified yes and getting qualified can mean uh if you're gonna open a lawn care business uh that you uh reach over and pull the uh pull the thing on the mower and get get the engine started that's qualified um you get your button gear right uh but qualified could be getting a phd could be uh if you're gonna be um or getting your md if you wanna be a medical doctor getting qualified there's only one way to do that right and that's go through med school so you know that that step while people are working to get out of debt sometimes throws them it does because they're sitting there going okay wait a second i'm gazelle intense i'm trying to get out of debt and we don't stop that but what we have to look at is we have to first determine what does it look like to get qualified so we asked the question what do i need to learn what do i need to do that's education and experience how much is that going to cost me there's a cost of time and then obviously if you've got to spend some money to get qualified and then you say okay based on those answers i've got a plan here well i'm getting out of debt and there are many times where you must get your financial house in order walk the baby steps out because here's the good news that dream career is still going to be there the the ability to get qualified is still going to be there and many times though we see people can cash flow their way through it because a certification may be something that you can do it might just be that you don't need any kind of new education that you just got to make some connections and people say you know what you've got some raw talent we're willing to train you on the job we're seeing this with companies as large as google where they are doing on-the-job training so getting a clear picture about what what i actually need to get qualified then we can go oh it may not cost me as much as i thought and people you know that with the epic student loan crisis and with the shutting down of colleges during covid uh universities during cove people started to really start to look at higher education but too many people still have in their brain that if i don't have an mba that's table stakes for me to do what i want to do and it's it's just not simply not true it's just not there's a few things that are table stakes there are a few things you've got to put that chip on the table in order to keep stay in the game that's in order to get to the table stay in the game and but there's very few things that are real table stakes but people put that up and it's really an artificial barrier it is i've got two questions that i ask callers on this show on the ken coleman show to consider when they say do i need the next level of education the first question is is it the only way so let me give you two examples that everybody gets if you wanna be a lawyer you gotta have a law degree you just do if you wanna be a doctor you gotta have a med school degree those are a couple of examples that we all get so you gotta look at what you wanna do and you gotta truly do the research and then you say is this the only way to get the ticket to the dance and if it's not then you ask yourself is it the best way okay and if it's not the only way or the best way wait a second that means there are multiple ways and let's look at that you and i've talked about this the best way could be i can't afford it that's exactly i've got to find the other way because this is the way broke people do it that's right i'm going to cash flow my way through it yeah i'm good with that i've done that most of my life on a whole bunch of things the best way is just go buy a brand new one no but maybe not maybe the uh best way if you're too broke to do that because you don't have any money because you've been buying all the brand new ones right then maybe you need to buy a used one before you buy this right and see that's where the baby steps come in so the best way for many people is let's get to baby step three right let's get there and then let's go all right what do we do now can i now because i've got my emergency fund in place can i begin the cash flow getting qualified and here's the other thing dave i know there's this there's this desire in all of our our humanness to just make progress as much as we can but the thing is is that if you walk the baby steps out then get to the place where you can cash flow your way to get qualified you may take a little longer to get in that dream gig that you've always wanted but it's actually going to feel wonderful you're not going to be in a nightmare scenario where we have a lot of dentists or you just pick the career where they're doing it but they're underneath a mountain of debt it's not worth it if that dream becomes a nightmare then we interviewed a dentist in uh the borrowed future podcast yes that between student loans and buying the practice had over a million dollars in debt and he had just gotten into the practice and his lip is quivering absolutely tears running down his face as he's describing the crap he'd gotten himself into and so yeah what we what we've learned to do over the years at ramsey is to teach you yes the ken coleman way to do careers is there and yes you can walk the seven clear steps to getting the career you love and yes you can do that and it's not incongruent with building wealth it's not incongruent with staying out of debt it's not incongruent with any of those things uh as a matter of fact it's highly congruent uh absolutely it's actually the best way to do it tonight we are doing a live stream event i assume our studio audience is sold out we have a small studio audience of a couple of two i think we're sold out you know about 100 coming in yeah it's going to be able to sneak in here if you ask somebody at the door real nice i might walk out and get some people in you yeah you never know but uh anyway if you're feeling stuck or you're disengaged from your current job you dread getting out of bed going to work in the morning you're searching for a new job for any reason the get hired live stream is tonight with ken coleman april the 27th it's for you it's only 30 dollars and you can text hired to 33 789 and get your tickets text tired to 33789 i highly recommend if you have any idea that you might want to be doing something different that you watch ken tonight he's going to walk you very clearly through exactly what to do you're going to leave inspired laughing crying and believing you can win this is the ramsey show [Music] hey folks i got a great option to help you pay for your education the army national guard the army national guard believes you are the next greatest generation because you have proven that even in adversity that you have what it takes to succeed that's why they offer benefits like tuition assistance career training and a paycheck to help you avoid debt no matter what your goals are the army national guard can help you get there visit nationalguard.com to find out more [Music] ken coleman ramsey personality is my co-host today i am dave ramsey your host this is a show about you america it's about your life your money your career your mental health your marriage your money your life your career your mental health your marriage it's about you celeste is with us she's going to start off this hour in tucson arizona hi celeste how are you hi i'm doing well how are you guys better than i deserve how can we help that's great um so really quickly to the point well first of all thank you for all that to do and thank you for having me on um so to the point i am at a very very toxic work environment right now um so i'm kind of just what you were talking about you know i get up and i don't want to go to work i get up and i'm i'm dreading going i hate being there it's gotten to the point that i just want to quit and i'm not a quitter so it's a very difficult time and like season of my life right now um however they do pay for school and so i'm four classes away from getting my bachelor's however this past i'm supposed to graduate in may um and i just you know a lot of things a series of events just happened and it didn't happen for me um i'm now at the point where i'm stuck at this job until october 26th there's no transferring for me there's no moving up nothing i was initially only there because they paid for school but at this point i just i need something that's going to make me happy i have the money to pay for my summer classes however i'm i'm trying to pay everything off i finish baby step one and i don't want to continue using the money that i'm saving to pay for school when i have school paid for if i stay here but i i don't know what to do what is the nature of the toxicity what's the problem with this um i i just i don't grow i have no growth um that's not communication support that's not toxic there's no support that's not toxic what's toxic there's no support and you're not growing you're in a dead-end job it's boring whoop-dee-doop-dee that ain't toxic okay so tell me what tell me what's toxic is somebody is there sexual things going on or people yelling and screaming and cussing or is somebody throwing things at you um are they you know discriminating against you in some way i mean what's what's toxic well no it's not all of that no you're right but it is it's no one speaks to me i go and i say good morning no one talks to me but that's you know that is me complaining i should just go and do my job that's what i'm there for however there's just no support i can't i can't go talk to someone they're not letting me know they're not asking me hey like how are you and i don't know if that's maybe me just complaining but no no i like to go to a police officer the job sucks yeah okay i don't i don't have any doubt i mean you're kind of like it sounds like office space the movie you know yeah celeste first of all dave's asking the right question we want to get to the the source of toxicity so that you can get the right frame of mind uh but i'm going to tell you right now you're dealing with something that happens in offices all across the country and all across the world and you're just underappreciated people want to know am i seen am i valued and that's not fun and dave's right it sucks but let's reframe your perspective all right let's just go through this very quickly you're four classes away from getting the bachelor's which is why you took the job so what's the new timeline if you stay at this company so they pay for the forecast is that what i heard october october 26th wasn't it october 26th okay great so i'd hang in there until october 26th this is an attitude change this is hey i'm grateful for this really boring place because this boring place is giving me the opportunity to step up to the next rung on the ladder in life what you're learning here is how never to lead when you have the opportunity you have anti-mentors they're teaching you how not to do crap yeah and you know but but if they're not being nasty to you or breaking the law or you know asking you to do something that's immoral or that kind of stuff uh then it's just a matter of that they have they it's a dead-end job it's boring and they're not the nicest bunch of people in the world they don't they're not very friendly if that's the whole version of toxicity you stick this out you suck it up and stick it out get your mind on the future pay for it then no i have the money to pay for it i just i don't want to because i'm trying to save my money i'm trying to pay off my debt i'm only 11 000. stay on the baby steps stay stay with what you're doing yes let them pay for it and finish it's it's listen it's part you know you're going to school and i can guarantee you you've gone to some classes that are taught by a tenured professor who's boring as crud and not a very good teacher and that desk hurts by the time you get out of it i've sat in those stupid classes and you're doing you're putting up with that toxic stuff in quotes in order to get a degree in order to further your life you're delaying the pleasure you're putting up with some pain to win later does that make sense it does i just feel like i'm delaying the the chance to leave this job if i were to just pay for if you can leave the job and someone will give you a job that pays for your education that's all thrilling and they affirm you every day have at it i'm actually going to push back celeste i don't think you're delaying your exit from this boring job you're del if you leave you're delaying getting into the next baby step don't use that money when they they're gonna pay you how old are you i just turned 24. how many brothers and sisters do you have i'm an older brother and a younger brother you're the middle yes okay interesting all right i yeah i i still i um you can do whatever you want you're a grown person if you want to quit and spend your money but basically you are writing a check in order to get away from these people that's what you're doing and i i don't hear anything here that's worth writing a check for um you know 68 of americans are dissatisfied at work is that right it's absolutely right close to 80 and so that means that uh at least half of those are experiencing something along the lines of what you are experiencing because most people aren't leaders most people are bosses that's exactly most organizations don't affirm most organizations don't communicate most organizations suck and that's why most people don't like working there and so uh but toxic is when something's happening to you that's abusive yes and you're not being abused kiddo yeah you're just not being affirmed and it's dead end and it's boring yeah you gotta change your mindset here it's wait a second i'm grateful for the money to get out of to to get the schooling i need while i'm getting out of debt it needs to be a total shift we know this from nurses i worked in a place in my 20s one time that everybody in the building it seemed like right was sleeping with each other oh it was a dad gum soap opera yeah yeah that's a nice way of saying it yeah um and it was just nuts i mean and i'm in the middle of this thing and i'm going this is gross yeah and you know what i was only there for about five months before i got moved on right and and but it was one of my first few jobs coming out of college and you go through some situations like that but you know what i learned from that you know that that was 30 something years ago i'm sitting here talking about it what i learned from that is i'm not going to tolerate a situation like that but and i'm not going to now that i'm in a position to control it i'm going to have a whole bunch of people inside our building that are running around like it's some kind of orgy or something yeah this is nuts and so people do this though in the workplace and but not ours and you know not there and we're not you know it's not who we are and so then a young lady or young man could come to work here of character and they can feel safe where you know that and now that's toxic yes but but you know but i still i i didn't walk out the door and quit that day i endured it for a while but what i got from the endurance was the lesson to make sure it never happens in my environment quick thing here folks we see what we focus on we know this they've done all types of neuroscience studies on this when you buy a car you get excited about that car purchase how many of you see it everywhere for the first six seven days it's because there's an intense focus on it when you focus on being a victim you will see victimization everywhere you go as opposed to going wait a second i'm so close to being debt free and my school paid for with a degree and all i got to do is put up with boring awful leadership until october i can do that yeah that's you gotta wait until christmas to open your gifts too i hate that dave i do no discipline seems pleasant at the time but it yields a harvest of righteousness this is the ramsay show life is full of firsts [Music] as the first and longest serving christian health cost sharing ministry chm has shared medical expenses for its members since 1981. we believe you should have the freedom to focus on your health while being supported by a community of believers giving you the opportunity to create many more [Music] [Music] verses [Applause] [Music] ken coleman ramsey personality is my co-host today this is the ramsey show open phones at triple eight eight two five five two two five landon is with us in memphis hi landon welcome to the ramsay show hey i appreciate you taking my call sure man what's up so i'm 24 my wife is 22 and we'll have our house paid off in five minutes yeah and yeah i appreciate it but um so after we pay off our house we want to save up and pay cash for rental real estate and i was just curious on your opinion on if we should and i grew up in real estate my parents didn't real estate so i was just curious on your opinion on if we should maybe just kind of start out by doing a couple of small flips or if we should just kind of go straight into real estate you know rental real estate and i just kind of wanted your opinion on that well flips are real when you're doing them with cash you can make money right uh and with your background in it i i if i woke up in your shoes i would do some flips i've used to that's how i used to make a living when i was your age and so uh i was so stupid i did it with debt back then but um uh you know now um you know here's the trick okay and you already know this but i need to say it out loud to make sure all of america hears it uh people doing flips off of what they see on an infomercial or reading some kind of stupid book uh lose their butts in the real world on a flip you are gonna look at 200 properties to buy one right because you got to steal it there's no margin if you're paying 80 of value you're going to break even right minus repairs so our our formula when we were doing flips was 70 of value minus minus repairs and so um you know if the property was a hundred thousand dollar property for easy math that means i'm gonna pay 70 if there's ten thousand dollars worth of repairs i'm gonna pay 60. and it takes a while to get at that oh by the way you're in a ridiculously hot real estate market where any stupid thing that comes on the market sells instantly and so you're gonna have a hard time finding deals right now sure i i suspect memphis is the same way as the rest of the nation i don't know but there's about an hour outside of memphis and so it the market's not quite as crazy as memphis is and so you know it's a little bit easier but it's you know it's still you know the white hot market yeah but the bottom line is you make your money on the buy if you're doing flips or if you're doing long-term investing either one you make your money on the buy meaning you're going to get a deal or you don't buy it and that means you cannot get emotional you cannot get fever like ooh ooh there's money's burned a whole pocket i got to buy something i got to buy something i got to buy something the first property i ever flipped i was 22 i made 832 i barely got out because i was an idiot and i paid way too much for it i bought a hud foreclosure and i thought because it said foreclosure that meant bargain it doesn't the number means bargain not the situation yeah yeah yes sir and so if you if you'll stick to the math and put some business practices in place that guarantee profit and you'll do some flips with cash it's also probably going to be very hard in this current situation but i love the concept and i made a lot of money doing it uh but it's uh it's most people don't have the patience or the diligence to look through enough deals to get a real deal and uh and they get emotional and they get oh i've got a i'm a real estate investor now and then they just go buy something and they do something stupid yeah i love that formula the 70 of market than the expenses itself and then i don't know if this young man can do it but if you've got the skills like my father-in-law he's got the skills his contractor he can go in and do save a lot of on that actual expense budget too you know where some people are getting crushed by here's the thing you don't want to uh you want to budget it out as if you paid a contractor because if you're going to do the work you ought to get paid profit on the deal and you ought to get paid for being a contractor i love that if you're going to be in there swinging a hammer don't do it free that's right you're going to be on a business end of a paint brush be paid be paid painters wages and make your profit too yeah that's a great forum yeah you don't want to say oh i'm going to pay them more for this house because i don't have the level of expense that means you got paid zero for your labor great great point there you don't want to do that so but i made the decision i can swing a hammer i can fix anything but i made the decision even at 22 that i was going to run cruise to do it uh because i my highest and best use was not on the business end of a painting brush it was getting the next deal and um you know hunting the next deal i make more money hunting the next deal and i did paint houses yep otherwise i'd just be painting houses see that's a great point too so know what you do best what do you do best for you well where's the you know the highest and best you should you know what's your best return on the doll on the time spent dollar return on the time spent how much per hour are you making looking for deals how much per hour you making painting houses and that that's the difference and that's what you get into so you gotta it is nice to be able to do the stuff and that way when the crew leaves in the middle of the job you can jump in there and finish it out because you had you hired some bozo to do the work um not that that's ever happened to me but um anyway no emotion on that sentence at all no sarcasm dripping off of the tongue jake is in boise idaho hi jake how are you good dave thanks dave and ken for taking my call sure how can i help so yeah our question is uh have a promotion opportunity that's causing us to move from eastern idaho over to boise we stand to make about 140 000 in the cell of our home and we're wondering if we should take that 140 000 and put it into our new home or if we should pay off our debt and live with the in-laws for a year and then buy home after that how much debt have you got we've got about 80 000 uh 35 in student loans why couldn't you put 60 down on cars you could uh we've got uh five of us my wife and i and three kids and so a home in boise would feel like we're not gonna get quite the home we want with sixty thousand down okay and you're gonna be making what'd you say so currently making 90 the promotion expect to make about 140. okay the difference in eastern idaho and the white hot boise real estate market is not 50 and your income is going up 50 percent so you should be able to move into a the similar home to what you have now in square footage but it's going to cost more with your increased income with a 60 000 down payment now right you can move in with your in-laws if you want i wouldn't that'd drive me nuts in them too um but i mean you got 60 000 put down on a house you're debt-free you have no payments in the world uh and you live there two or three years and maybe you move okay or you rent for a year rent for a year and put your 60 000 in the bank right and but i mean you can move into them if you want if that just if that's good for you but um there's very few families in uh i mean there are there are in different cultures called families that come from different cultures do it all the time but um you know i i come from the noble hillbilly culture and uh we don't do well moving back home right right no that makes sense so i mean it's just there's too much it thanksgiving dinner is a good that's a good thing it's a little distance there we can leave after the turkey's sliced uh but i mean some people can do it and it's okay i'm not saying you get you know that they're bad people or anything like that you're just like a grown guy making 150 grand moving your mother-in-law's basement feels weird yeah i you know i i agree with you but i will say the other side of that coin is if he can do it and he really weighs this thing out where are we living what's it look like how weird is that gonna be can i bite my lip what kind of relationship does he have i get it i'm i'm in the same boat but listen stacy's parents are saints but if you moved in with them they kill you well that's yeah you're right same as me that mouth it wouldn't last i mean it works good on talk radio it doesn't work good at the dinner table i'm with you dave i'm just trying to go man that is nice if you got that you can pack a lot of money away i love my father-in-law i couldn't live with him 20 minutes yeah because he it wouldn't be fair to him i'm not that easy to live with yeah so i mean y'all just you got to decide this stuff and i think sometimes when people ask this question they're only thinking about math and they haven't thought about the emotional and relational strain i'm going to agree with you on that jake's nicer than you and me it sounds like it sounds like the math is gonna make it all okay the math goes away quick not so much i get it this is the ramsey show [Music] so [Music] [Applause] [Music] ken coleman ramsey personality is my co-host today ken is the host of the ken coleman show which airs on 75 plus radio stations on siriusxm and is a podcast youtube show as well so you can listen to it as a podcast you can listen to it on youtube and it's all about discovering your purpose it is all about you living in the dream meaning doing work you love and getting paid a lot for doing it you do not have to take a dumbed down income in order to find work that has meaning that's a false dichotomy it's not true and ken is here to walk you through that as a matter of fact tomorrow no not tomorrow night tonight yes on the stage here at ramsey the big spotlights are out here like it's hollywood or something we're getting ready to do this live stream with ken tonight and he's going to cover the seven steps to get hired it's the get hired event tonight the 27th of april and we want you to tune in tonight it's um tickets are just 30 and you can text the word hired to 33789 and uh that will come on live at 7 00 p.m 7 p.m central 8 eastern yeah 7 central 8 eastern so uh and tonight you're gonna be covering the eight steps and other things as well going to be diving really deep on the first three stages of get clear get qualified get connected the seven stages to doing what you were born to do we're going to dive in because those are the three stages that allow you to get noticed and get hired and i actually got something for you dave because we'll unpack the seven stages really quick we just mentioned the first three because i've got i want you to weigh in on stage five for our audience so get clear is figuring out talent that's what you do best passion work you love to do and then what are the results that's the mission that you want to put out in the workplace then you got to get qualified that's stage two stage three get connected all about relationships that's all about your number one best-selling book the problem the right people in the right places give us opportunities so that puts us at stage four where now we got the gig and we're starting we're on that ladder stage five is get promoted and that's a stage that we stay in for a while as we keep getting promoted keep climbing the ladder if you will until we step into that dream job and here's the thing that i want you to weigh in on because you have great insight on this saw an article yesterday dave that the oldest millennial okay in the workplace will turn 40 this year okay according to those who determine what's a millennial or not so the oldest millennials turn 40. and for the first time we see that there are just as many people in leadership or management positions under the age of 45 dave as there are that are over the age of 45. and so this article was talking about how these millennials are now as they get promoted as we see anybody get promoted at some point you're going to be in leadership you hear it as management we call it leadership here and so dave it's just inevitable as i get promoted i'm going to have opportunities to lead and they were saying a lot of these millennials didn't set out to become leaders we teach a lot about leadership here you learned to lead you started out in real estate started a radio show as your organization grew people come in and you were learning to lead and thus you created this term that became a bestselling book entree leadership i i thought it'd be good for you to kind of explain that as you're going to get promoted you're going to have the opportunity to lead people i think a lot of people are scared i've never led before i can't lead and and i think and you believe that leadership can be learned it can be developed what do you say to those people who are going i want to get promoted i want to keep doing it but i don't know about this leadership thing leadership is one of the hardest endeavors you'll ever undertake but it's not complicated great statement so you shouldn't fear it um because it's not like it's like uh becoming wealthy there are no secrets to the rich so like for instance when we start some of the lessons in entre leadership one of the lessons i start i ask people what are the character qualities of a great leader and most everyone will tell you about the same thing yeah i've seen you do it they all pop out the answers you know they use sometimes they use a little bit of a different word but there's only about five or six things that pop up every time they're a servant they're humble they have integrity they have vision they have energy and passion um they're affirming uh the things like that are what we always hear that's what you think of when you think of a leader now not necessarily a boss if you want to be a boss that's a different thing but if you want to be a leader you've got to be in front you can't be behind bosses are behind with the whip driving cattle yes leaders are out front casting a vision and saying this is where we're going if you want to go the train is leaving in just a moment hear the whistle you need to be on the print train this is where we're going and if you don't get on the train you're going to be left at the station and so leaders sometimes leave people behind that don't want to go won't keep up sometimes we ask people off the bus as my friend jim collins says because they shouldn't have been on there they don't fit in with a vision they don't they're they're a toxic uh you know problem inside the organization they don't have the skills to bring it uh whatever and so we have to walk with them but if you will just love people and serve them and not try to be a boss and think about okay if i'm gonna lead say name the person doing that job just switch roles for a second treat other people like you won't be treated so how would you want someone to do that you'd want them to occasionally smile you want to say hey you did a good job at that that was good it's a good job you'd want to be told when you're doing something doofus so you don't do it again because you don't want to be a perpetual doofus that's not good for anybody uh you know what would you want people to do if you were being lit and that it's really not complicated but it's hard because people some people are crazy yeah the best thing about leadership is people yeah but the worst is people exactly about two percent of the public should be institutionalized so um you know and some of them will come to work for you god help you you know and and they they they dress up nice so you make the mistake of hiring them but then they get in the building and you got problems and then you get other people who surprise you the other way that you thought well i don't know if that's going to amount to much but he turns out to be dead gum albert einstein you know and um actually that was churchill's grade school teacher sent him a note to his mother said this one's not going to amount to much winston freaking churchill you know and so you know but sometimes you have that you get the surprise right obviously that grade school teacher was a bit surprised if he lived long enough um but the um uh to see the man that almost single-handedly saved the free world oh you know an unbelievable act of leadership uh and so a series of acts of leadership but again it's not it's not really complicated it's just hard because you are subordinating uh your own rights you're putting other people forward and you're putting the mission ahead of your own rights it's not the leader who wants to be in charge in order to be in charge is never going to make it no the leader who wants to be in charge because if we go yeah i'll get this done together we're going to get it done right we're going to get it done faster and a bunch of people are going to be helped on the other side mission critical mission first driven by the task driven by the desired future and we're all on the page to that and anybody's not on page to that we're going to help you get on the page or get you somewhere else that's leading yeah jim collins our friend that you mentioned earlier he calls that a level five leader based on the research and basically his one sentence description of those level five leaders is is that it if we win we all win like so if you win we win if we win in this team the whole company wins so if this particular division wins here the whole company wins if the customer wins we win it is as you said mission above everything else and that's really huge and dave to what you said about it not being complex the research shows that men and women would rather get public recognition or some type of reward reward recognition more than a raise and that speaks to what you're talking about and they don't care if the leader is perfect no all they care is is that they're that that they are that they're just telling the truth yes do they care about me yeah do they care about me and telling the truth you know like going through covid you know i told everybody we run out of money we're all going home because i'm not borrowing money to prop up payroll i told everybody that yeah and let me tell you what happens here's what how much cash we got and here's where we're going to be and when the cash runs out leadership's all going to go to zero pay and when that doesn't work then some of you are going to zero pay and when that doesn't work we're a bunch of us going to zero pay forever and so if this thing persists and so they people stayed nobody took a pay cut nobody got furloughed nobody got laid off as a result of covet but we did not know that at the time and they appreciated just being told the truth and treated like adults that's exactly what happened and other companies told them nothing tell their employees nothing nothing that's not leadership that's doofus this is the ramsey show [Music] have a friend or family member that needs a daily dose of ramsey advice in their life let them know about the ramsey call of the day podcast it's a quick hit of advice about life and money in under 10 minutes check out the ramsey call of the day podcast wherever you listen to podcasts [Music] this is the ramsay show [Music] you can be intentional about your character you can have money and a career you are the hero in your story live from the headquarters of ramsey solutions broadcasting from the dollar car rental studios it's the ramsey show where debt is dumb cash is king and the paid off home mortgage has taken the place of the bmw as the status symbol of choice i'm dave ramsey your host ken coleman ramsey personality and host of the ken coleman show is my co-host today the ken coleman show talks all about finding your purpose all about your career getting a job the income side of the income out go equation that i deal with every day and ken's here to help you with that as well as we will talk about your life and your money whatever's going on open phones at triple eight eight two five five two two five alexandria is starting this hour in atlanta hi alexandria how are you hey dave hey ken how's it going great what's up um so i'm a 30 year old nurse practitioner here in the atlanta georgia area um i spoke with you actually last year in march um and i followed your plan i was able to eliminate 260 000 in eight months in debt whoa wait a minute whole full stop way to go and so you like took covet nursing and made it like a thing huh absolutely ding ding what did you make in that in this last year um i owed 15 grand in texas so probably i almost hit almost 500k last year whoa so how many hours a week were you working um so i worked seven days a week i worked three different jobs when coveted i went over to new york and texas and i was making 10 grand a week up to 13 grand a week doing that and i just became intentional because student loans were that i'm not debt-free but they were interest-free and i was just making sure i was knocking it out i made a challenge to my family that i would eliminate those student loans by the end of december and on december 31st i went live on my social media showing everyone that i paid off my student loans freaking superwoman yes wonder woman something i don't know that's amazing i mean you didn't run hide from kovid you went running into the fire and stuff you told me i was being wimpy last year so i had a point to prove i called you out and you went and did that i'm i'm loving my advice right now that's so cool coach put me in the game i like it wow you are amazing girl i'm so proud of you congratulations and alexandria you're about to feel you have to feel one lady said the other day she said she felt accomplished you have to feel accomplished i feel very accomplished i sat down with my financial advisor yesterday and he said wow you're you're really prepared and i was like you know i followed the dave ramsey plan and thank you i feel really good for you to say that to me that's very nice i'm so proud of you okay so uh now on to the next steps huh correct so i have a six month fully funded emergency fund my max out all my 401k contributions i maxed out at the 15 so what i did was i created an additional ra for after tax contributions um but now i still have a good amount of money left over from my salary monthly and i just wanted to know what are some additional ways that i could invest i wanted to become invested in real estate but i wanted to do it by cash flowing i don't want to go back into debt so i wanted to know what are some other ways that i could use my money to work for me and so i can actually fully fund and cash flow real estate wow that's amazing so your home is paid off now so i sold my home and i used some of that money to fund my emergency account because i took a job in chicago so i'm back and forth between atlanta and chicago so i don't know if i want to buy a home yet because i won't be in there for five years so it wouldn't make sense for me to buy a house and i'm not there for five years so that kind of leaves me where i am now and i've already saved up a down payment how many hours are you working now i'm 40 hours a week okay all right wow well i'm glad you're back to a reasonable rhythm now that you had that year of craziness wow so yeah so here's what i do i'm trying to figure out how to apply it to your situation when i max out everything of course i'm in baby step seven which you are right now because you don't own a home so um uh you know max out all retirement that's available which is what you've done and then i dropped money into just an s p 500 fund an index fund okay low to no commissions and very stable it's going to do exactly what the market does it is the standard for 500 dow jones industrial average these are the measures of what the stock market's doing and so it's going to follow the market and that's what i do i park it there until there's enough in that account to buy the piece of real estate that i'm wanting to buy okay and i pay cash for it out of that and so it's gonna it's gonna be more volatile obviously than a a cd or something like that but it's also gonna make about 10 times more if it sits in there a year or more too the increases in value are taxed at the capital gains rate which in your case is 15 um and instead of your ordinary income rate which is probably 35 and so you get less taxes on it if it sits in there a year on the growth portion and um you don't have any taxes on it hardly because it's got low turnover ratio until you pull it out and so if it sits there three or four years it's not going to create taxes for you and um so i i would i would tell you not to start buying real estate until you've decided which city just like you don't want to buy a house until you decide which city so let's let's figure that out so this is just a good place to park a pile of money to buy your next house with cash and then maybe buy your first rental or two once you've decided which city you're gonna settle into but you are a beast girl you're amazing absolutely incredible yeah again just you know she takes that that statement that she made to her parents you know her family and she hit it i mean that is there's gazelle intense and that's like super gazelle now well i mean i call her i call her wimpy and she's like i'm gonna show you old man which i love a good yeah you're right she put the old chip on her shoulder right yeah wimpy this yeah it's the truth it's like tom brady you know six drop six round draft pick he's like i'll show all you teams i mean that is awesome and uh he's amazing that what a great seven days a week three jobs that encourages me to call more people wimpy i'm just saying [Laughter] who among us doesn't need a nice little chip right some people don't like the chip on the shoulder i think a lot of great men and women have done things with chips on their shoulder that i mean 500 000 as a nurse yeah in one year yeah yeah oh unbelievable three jobs i mean she went to texas she went where the workers ran into the fire that's what i liked she said right where the money was the work was homework like crazy wow yeah extraordinary story that's uh and paid off two hundred thousand dollars worth of debt so i and you know isn't it interesting how we both live someone listening to this who uh was a nurse and never left their home for 12-14 months and their homes getting foreclosed on because they lost their job at the hospital because they're not doing the elective surgeries same exact industry same exact economy same exact pandemic and one goes and makes a half million dollars another one loses their home it's just that's just human nature is amazing it really is you know we you and rachel cruz and i we did this big event a message of hope and the big message from all three of us was control the controllables let me tell you something alexandria said i can control this she went after it man wow so impressive this is the ramsey show [Music] what makes our show unique is that we genuinely care about our listeners we're intentional about choosing the best advertisers to recommend blinds.com is no exception they offer high quality window treatments at unbelievable prices and they make it simple to shop blinds shades and interior shutters with easy online ordering free shipping and a guaranteed perfect fit go to blinds.com and take advantage of this week's special savings [Music] ken coleman ramsey personality is my co-host i can't get over that last caller making a half million dollars as a nurse during covid yeah i mean i'm just i'm all i can think of is that somebody will some people will always find a way to succeed and some people always find a way to fail you know i mean people are going to look back can you imagine like 30 years from now okay you look back on 9-1-1 okay or you look back on you know when when your grandparents look back on pearl harbor or we look back on 2020 with the pandemic and you say and and grandma's sitting there and she goes best year of my life yeah it's it's extraordinary because you hear somebody make excuses about how the pandemic ruined their life from lack of opportunity okay and then you hear alexandria's story and you go huh why don't you talk to her yeah talk to the guy in the plexiglass business he did well oh no nicole's with us in augusta maine hey nicole how are you hi i'm good thank you so much for taking my call sure what's up um so me and my husband are on baby steps three i believe so we're definitely the size of the house and we're working towards our emergency fund we have eight thousand in place right now great and after that thank you and after that we want to buy a car he got a situation to me and i've heard you talk about it on the show to stay away from it so i kind of just wanted you to help me walk through the situation he says that we would like to save up to lease a car so instead of paying monthly you can just put it all down in the beginning for the three years um so he was looking at a 2021 ram um with 380 a month so that i'd be like 13 000 paying that upfront and then the buyout would be 2300 or 23 000 and in that three years of having it saving up that 23 000 to pay it off um and i just wasn't sure how to go about that i've heard you talk about leasing cars as the most expensive way to drive a car it is they just wanted your advice it is and the most expensive car ever is a brand new one the worst car accidents happen on the showroom floor so when he drives that beautiful fabulous pickup off the showroom floor he's gonna lose ten thousand dollars that day that's what i was um thinking because his argument was his argument is he wants a truck and he's willing to he's willing to overlook any amount of mathematics in order to buy a truck he thinks that he'll be actually getting it for less because it'd be 23. that's because he's not good at math and um and so let me help you with this if you take 13 000 over to hertz and prepay your rental payment they'll let you drive a hertz car for a long time too and if you add up thirteen thousand dollars and twenty four thousand dollars and you figure out what you're actually paying for this dodge ram when it's all said and done it is more than you would have paid for it had you walked in there and laid benjamin's on the table because it wouldn't be until three years later that it was i know paid off listen let me ask you something do you really think that chrysler is stupid no and that's why i was calling you because i was like your husband has not found the one time that chrysler made a mistake right like they've got to be making money on this something it's not like he found a loophole so he didn't find a loophole when you add it up the actual cost on a lease averages 14 cost of capital it's like borrowing money at 14 interest and the value of this car plus this car is going to go down in value rapidly because he's buying a brand new car and you all aren't millionaires no we're not so you should not be buying a brand new car and taking that kind of a hit and loss in value until you're millionaires you can't afford to lose this much so boy's got boy's got truck fever he needs cold showers what he needs yeah and um so my other question when we do go to buy a car i know you say don't you know spin it on or buy it that's more than 50 of you or your car is added together oh all your all your cars added together okay that's good to know i didn't know that and what is the annual income of both of us yeah your household income what's your what's your household income the two of you added together well right now i'm going to full-time school so my income is very like hit or miss and um his is 70 000. and he is getting a pay raise in september but only like 500 a month okay so he makes 76 000 and what are you know so you don't want the all of your cars to be worth more than about 35 40 000 bucks and the only the only reason is is that i love cars i don't know i'm not against you having a decent car i'm against the car owning you if you've got 80 000 worth of cars and you make 80 000 a year you have so much tied up in things that are going backward that you can't build wealth definitely yeah i was definitely hesitant on the situation but didn't really know how to work it out to me you know to kind of say okay this is a bad idea um oh it's definitely a bad idea so you start with the premise that chrysler's not stupid and they're not going to lose money if you haven't figured out how they're making money that doesn't mean they're not it just means you haven't figured it out mm-hmm that's all it means because listen if you turn that car back in that car has to sell for more than 24 000 at the time you turn it back in they're gonna lose money they don't lose money yeah they've got thousands and thousands of dodge rams on the road and they have lots of statistical evidence of exactly what that puppy's going to be worth at the end of this lease a closed-in lease the residual value the buyout at the end of the lease is is a statistical analysis it's an actuarial table these guys do not screw these things up if they do they lose millions and millions and millions of dollars because it didn't just happen on your car it happened on all of them like your car yes so is the buyout based like calculated to what they estimate it to be in the three years no the buyout is what they they estimate it to be more slightly more than the car is worth oh okay at that time they're estimating if you got a twenty four thousand dollar buyout at the end of the lease they're estimating that car is gonna be worth somewhat less than twenty four thousand dollars okay yeah that's what i was kind of thinking um i think another person's argument and the situation that we're talking about was that somebody just bought like a 2018 like chevy for 35 40 000 in 2015 so they were like trucks really hold their value oh bullcrap you are you are listening to a whole lot of broke people with truck fever uh listen i drove a raptor i didn't drive it today i got a raptor in the garage i drove it yesterday i i like big trucks i i like you know i don't own a single car with a horsepower less than 400 horsepower so um i like cars i like stuff that goes with zoom zoom but they all go down in value you're getting screwed on all of them financially when you buy them they're all they all suck this idea that you know they hold their value yeah just visit one that's three or four years old and laugh about that stupid butt statement that's just ridiculous hold their value by their fingernails for 20 seconds maybe yeah i mean look if people i've heard this before i've heard people hit you with these scenarios before it's like they think they've got it figured out well i mean i actually when i first got on the radio there's a guy who's a christian guy in another part of town that called up and he was all offended because he owned one of the car dealerships and i was telling people leasing cars rip off and they're ripping people off he goes well i'm a christian i'm not ripping people off and i'm going yeah you are and he wanted to he went to come sit down talk to me and after two hours of going through the math with him i said show me one time where you're not making more money leasing the car than you are selling the car show me one time and i'll shut up and he couldn't find a single one well as christians we ought to agree and i'm like oh christians ought to be able to do math bubba you know this is a thing you know it's not it's not a christian thing i mean jesus doesn't hate you for leasing a car that's not the point um i mean i mean he probably yeah yeah bad bad dad jokes are running through my mind about being all in one accord but anyway yeah so yeah so yeah you just it's but yeah it's just dumb it's just dumb don't do it you listen if you look around and you don't see millionaires doing it then that gives you a hint and if broke people are giving you all your advice about trucks holding their value then that's another hint [Music] chrysler's not losing money that's another hint lots of hints here this is the ramsey show [Music] [Music] hey folks i got a great option to help you pay for your education the army national guard the army national guard believes you are the next greatest generation because you have proven that even in adversity that you have what it takes to succeed that's why they offer benefits like tuition assistance career training and a paycheck to help you avoid debt no matter what your goals are the army national guard can help you get there visit nationalguard.com to find out more [Music] [Applause] [Music] in the lobby of ramsey solutions on the debt free stage chris and jeanette are with us hey guys hey dave how are you better than i deserve welcome to nashville love the t-shirts be weird hashtag debt free like it how much do you guys pay off we paid off 21 300 love it how long did this take about nine months good for you and your range of income during that time about 62 000 good for you what do you all do for a living i'm in retail management and my wife stays at home with the boys and she works at our local church and children's children's ministry awesome very good good for you guys what kind of debt was the 21 000 everything but student loans i think basically uh 401k loan credit cards personal loans dumb spending yep so you kind of have you're like normal yeah you kind of been bopping along look up how long y'all been married 18 years 18 years yeah just go with it 18 years [Laughter] i've never seen that before with most of it dialed in i'm telling you well we've been we've been together since high school so we've been together for a while good for you okay so what in the world happened nine months ago that made you decide we're getting out of debt oh gosh so we have we have to go back a little bit so about 12 years ago we were young and dumb and we went to go see a bankruptcy attorney because we were ten thousand dollars in debt and the bankruptcy attorney looked at us and said you guys are not broke she's like um i'm gonna give you a gift and she gave us your book wow she gave us your book what an unusual bankruptcy attorney isn't that crazy most of them will file bankruptcy on six hundred dollars and she didn't even cash the check that we paid her yeah so um i wish i could tell you that we were like all right we're going to we're going to do that and but we did it you took the book home we used it as a coaster table yeah and then um last well early 2020 um you came actually you came out to our church real life in carmel florida and you were there and that right after that we were like that's it we're done we're gonna do this so yeah well it was worth the trip it was definitely worth the trip i got one it was worth the trip absolutely awesomeness now real life's a great that's a great place yes yes you got many folks yes that's wonderful wonderful people and so you come home from that and you're going okay god just got in our face we got to do this dave just talked at the church yeah yes yep and we were like all right we're going to do it where's that stupid book get the dust off of that thing and let's get going we actually did the fpu yeah so we did fpu right after that and um yeah just hit the ground running wow yeah very cool congratulations you're so good how much did the community when you got into fpu because you had heard the message from dave and he gives it right like no one can give it you got it yes then you jump in how did that community of accountability really strengthen you guys or maybe fire you up even more what did it do for you it i mean it did it totally did i felt like i was kind of always there it was him so i thank you dave you got to him for sure he has listened hours and hours of just your podcast and just read your book and just he's really dived deep in and so wow yep i think yeah and we almost didn't make it to the uh to your um to your presentation at church my wife was like no let's go and i was just kind of she so she kind of dragged me in and man i think sometimes if i had never gone you know we might be even more in debt so wow yeah it was just awesome it was awesome wow so yeah you know i i uh wow that's amazing i'm just so proud of you guys it fired us up i even got a second job and everything so i just got an email from your pastor like two weeks ago oh just checking in yeah he's such a great guy he's awesome so well done you guys so fun okay now you've been through financial peace university yes you paid off 21 000 in debt you're living on lesson you make something congress can't do and um what do you tell people the secret to getting out of debt is you're professionals you've done it yeah um you said something that really resonated with me when you came down and you just uh you said god gives us the dignity to choose and you said just decide that you're gonna do it and that just stuck with me so when we got back home we were like all right we can keep doing what we're doing or we can try something new and we just decided and we were on the same page um i would say practice the practical things for us was getting on a budget we had done budgets before we just never stuck to them and so now every month we have a budget meeting before the month starts and we sit down and you know we we look at the you know the monthly expenses and you know the first couple months it was a flop because we were you know but it got easier and easier so yeah you're not pros at at the first little while yeah exactly a while to get it dialed in yep yeah absolutely but it can be done what was what was the toughest part for y'all i got one the toughest part for me was um the saturday nights we we uh started my second job over uh delivering food yeah right during cove my hours got cut in half and i was like oh no we gotta figure out something else so i started ubering um food delivery and so we just yeah the hardest part was uh driving around on a saturday night and watching everyone have dinner and we're picking up deliveries and and we kind of i was like man i would love to just pull over and go grab a bite to eat but uh we stayed focused you know and we made our car trip into a date night where we kind of just you know we packed the car with some snacks and we hit the road and you know that was a short time you were like delivering temptation to every door i mean it really is that's harsh it's like delivering pizzas when you can't have any you know oh my gosh it's hard what point in the nine months was this moment that you just described this was like really early on this was um probably march like during like right when congratulations yeah yeah march or quarantine city yeah was there a point in the nine months where you finally experienced momentum you went okay i feel like now okay what was it yeah uh for me it was probably like um like in the i think when we hit the halfway mark we were like okay we can do this and so we started you start seeing those numbers just keep going down i sold one of my cars dave oh no i was like we gotta get we're i said we could we can go another couple months or i could just sell the car today and we'll be done and so that's what i did yeah knocked it out yeah yeah and i'll show you up and get another one yeah yeah yeah so you brought the kiddos with you what are their names and ages bring them into the show yes jacob and jaden jayden is here four years old jacob is my big guy he's 10. all right very cool now who were your biggest cheerleaders um gosh our church family was awesome our mother-in-law my mother-in-law she's right off camera she did wonderful things she babysat the kids while we went out and she was just cheering us on every single step of the way so that's huge to have family in there with you and your church family yes your church family as well yes well done all right chris and jeanette jacob and jaden from orlando florida 21 000 paid off in nine months making 62 a year we got a copy of the legacy journey for you which is the next step in your journey as you move forward i'm also going to give you an extra copy of total money makeover so you can pay it forward and give it to somebody else and give them that book that 12 years later they will read that's so perfect count it down guys let's hear a debt free scream all right three two one [Applause] you know you and i log a lot of airline miles or we did before yeah and we will again yes uh every year going to a lot of places and speaking to a lot of people and i speak to usually in a typical year not last year but a typical year 10 to 12 churches as they're launching a church-wide financial peace university initiative and that's what was happening there in orlando when i went down and you know i don't always get to hear that no that it was worth the trip yes but that that made it worth the trip always does that's why everybody longs to work and that's our work here at ramsey solutions is to give practical hope to people that you can get where you want to go and that right there that's that's real legacy i love the book the legacy journey is going to them because now they can create a legacy that they couldn't have before because of financial freedom because of financial peace this is the ramsey [Applause] [Music] show [Music] [Music] [Music] so [Music] ken coleman ramsey personalities my co-host today our question of the day comes from blinds.com they have a 100 satisfaction guarantee means even if you mismeasure or you pick the wrong color they'll remake your window blinds for free free samples free shipping and the new promos they run all the time you save even more use the promo code ramsey it's magic it'll get you the best deal today's question comes from karen in alabama she asked my employer is secretly interviewing for my position to hire someone else in at a lower salary should i stay until i get let go or start looking for a new job now karen start looking now if this i mean we have to assume this is true this is not good this is horrible leadership i i'm not laughing because i fee it's this is so bad that an employer would do this and uh uh uh i don't know and they're not even good at it no she found out right yeah it's time you need to look at your employer and say you're fired yeah that's exactly right how about i fire you yeah i'm gonna secretly leave right now oh wow yeah you need to go get a job yesterday kiddo that place as fast as you can run don't walk heather is with us heather is in raleigh north carolina hey heather what's up hey oh my gosh thank you gentlemen for taking my call it's such an honor to speak to both of you today you too how can we help um so um i have actually instead of gone backwards in pay i was able to double my income in this past year wow um yeah i'd finally you know make the six figure mark which i had a lifelong goal of hitting before i hit 35 and finally hit that at 36 but for you what do you do thank you so much um i am a medical scientist for clinical research so i looked at clinical trial data thank you thank you so much um but with that comes some challenges that i'm trying to face and i'm hoping to get some advice so i'm married we've been married for about nine years we have two small kids and my husband still wants to keep everything separate and i'm trying to get us you know out of debt um i currently have a nice you know student loan chunk of 92 000 and some personal stuff that i'm trying to get rid of um but he just doesn't want to get on board and instead wants to keep it separate so i have absolutely no idea what's going on on his end of things so i'm wondering can i do this um baby step number two by myself now that i have my bigger shovel or you know how can i get my husband on board because now that i make essentially double what he does he's having a hard time with it so i don't know how to handle it why am i not shocked um what does he do for a living oh he's military okay all right yeah uh what does he do in the military um he is um he's active duty so yeah yeah he's active duty in the okay army right uh just infantry is that what you're saying or he doesn't have a specialty inside the military uh no he's uh special forces okay all right good yeah yeah so he does a lot of stressful high intense stuff and yeah um yeah this is a marriage problem this is a marriage problem it's a marriage problem it's not a financial problem and um uh and uh the chances of this guy that you described to me going to a marriage counselor is probably fairly low um but that's what you guys need you need someone to help you navigate your pastor at your church could serve the purpose if he's he or she's got some counseling shops but to sit down with someone to help you guys navigate through all the different variables that are happening in your relationship you making more his uh incredible intense job what it is that's causing him to want to keep the money separate why does it need to be separate what's he afraid uh of i've made some you know bad money decisions which racked up some debt but i'm working through that you know i just paid off my car two years early uh this weekend how long ago did you make bad money decisions um so uh let's see i guess since we've been kind of been dating i'm a big impulse spender i mean how long ago was your last bad money decision um over a year over a year ago yeah okay all right so maybe part of you all combining this is for you to be accountable yeah which i'm totally fine with you know that's kind of why i want him on board like i want to be held accountable i want him to say hey do you really need that trip to target you know 200 toothpaste well we have a budget that we have agreed to before our month begins and it would include target only to a certain amount and anything past that you would be breaking your contract with him yeah which i'm fine doing yeah yeah is he very conservative with his money does he have any debt uh he does have some debt he just bought a new truck last year and i know he's got a credit card but he's been a lot better with money he had a bunch better money school than i did growing up um but i mean other than those two things that i know about i don't know about the other stuff all right you know i see stuff come in and let me tell you here's the day the data points are this okay um that get guys and gals that do what he does they face death in the eye fairly regularly and so they have a tendency to detach it's a it's a normal defense mechanism um and uh it's very very tough to be the spouse of special forces um until they really get their arms around uh all the emotions that they feel and plug those into your relationship it's a very tough thing we do a lot of work with special forces i i think these are some of the best people on the planet they're incredible but they do things and see things that none of the rest of us can do or ever see and so it just is a different world and um but that doesn't change the data the data tells us that couples who do not work together on money have a higher uh problem rate in their marriage and a higher divorce rate and have a lower chance of actually building wealth the do it separately and be roommates thing almost never works relationally or financially and so he's barking up the wrong tree it's not gonna work it's bad tactics for the mission would be the phrase i would use to him okay the tactics that he has laid out for this particular mission suck the mission's gonna fail and the mission is life and marriage and wealth building and the tactic that he's using is a defense mechanism it is not a it's not an offensive proper tactic that's how i would talk to him and you can play this back for him if you want to i don't care because i love the guy i love what he does i love what that i love that i'm free because of men like him and so yeah so am i yeah absolutely yeah i'm you know i appreciate him but i don't appreciate the way he's treating his wife and i uh and you gotta your your part in this is you're gonna have to stop the stupid stuff and you're gonna step into the accountability and use your newfound income and if you can get him to the table your newfound cooperation to really make some serious strides forward so we're going to help we're going to salute you in your new uh promotion and we're going to salute him because we appreciate what he does for this country we're going to give you ramsey plus for a year which puts the two of you into uh financial peace university together every dollar budgeting app together and uh if you guys will watch those videos together and start i think it will cause him to come to the table possibly and start doing these things together i'm challenging him to do that um you know i need him to man up here as as and walk with his wife not just throw her in the ditch and hope she makes it you know you did something stupid like for a while and i don't trust you so you just wallow over there in the ditch by yourself good luck with that you know that's just not that's not manning up and so um you know walk with your wife for richer for poorer in sickness and in health until the all my worldly goods i pledge those are the old-fashioned marriage vows hold on kelly's going to pick up or get you signed up to go through ramsey plus together but i also recommend you sit down and see a marriage counselor while you're doing that too this is the ramsey show [Music] this is james childs producer of the ramsay show you can listen to all our shows with the ramsay network app on your smartphone browse by topic or even sync clips to your friends download the ramsay network app in your favorite app store today [Music] this is the ramsay show [Music] you can be intentional about your character you can have money and a career you are the hero in your story live from the headquarters of ramsey solutions broadcasting from the dollar car rental studios it's the ramsey show where debt is dumb cash is king and the paid off home mortgage has taken the place of the bmw as the status symbol of choice i'm dave ramsey your host ken coleman host of the ken coleman show ramsey personality is my co-host today open phones at triple eight eight two five five two two five that's triple eight eight two five five two two five listen tonight is the get hired event tuesday the 27th of april ken coleman will be doing a live stream event teaching you the seven step path to your dream job the seven things you need to do to get to your dream job get hired this economy is heating back up after covid the competition is picking up for the jobs and people are stepping out and it's time to get into a position of something that you love and ken can help you do that it's only thirty dollars for the live stream text the word hired to three three seven eight nine it starts in a matter of about four hours from right now seven central eight eastern text hired two three three seven eight nine get you a thirty dollar ticket and get hired it's gonna be awesome gonna be a lot of fun dave live crowd in our gorgeous lobby here at ramsey solutions world headquarters and of course people tuning in wherever they have a device and a internet signal so it's gonna be a lot of fun we're gonna give you the edge to win tonight don't forget uh you're trying to convince employers that you can help them win and if they're looking at multiple people it is a competition i don't care if you want to look at it that way or not that's the fact we're teaching how to win yeah and there's there are some things you do to get hired that's exactly right there's a strategy involved these are practical steps this isn't mindset this is i've got to do this so that i get the opportunity to be interviewed and when i get interviewed how do i win that interview and this is for those of you that have realized that filling out one application among 10 000 people is not working for you oh yeah yeah the days of going on linkedin and firing 50 resumes and sitting back and waiting for the waiting for the results are long since over you're now getting ai artificial intelligence is looking at keywords in your resume most of the time you're not even getting a human to look at it initially that's if you're lucky if you're lucky you're right you may just get buried in a pile we'll have about 30 000 applications come in this year for 300 grand we're going to hire 300 people this year and we'll have about 30 000 applications we don't have ai that's true and that simply means you are going to be stuck in the pile if you don't do something to get your resume out of that stinking pile yeah and ken can show you how to do that for ramsey he can show you i do that for a lot of people and uh and so uh you know there is a series of common sense steps here that he's going to walk you through so text uh text hired to 33 789 text hired two three three seven eight nine emma is with us in dallas to start off this hour hey emma how are you hi thank you so much for taking my call i'm great how are you better than i deserve how can we help my husband and i are currently on baby step number two we need to buy a second car though so that way i can go back to work in office i have been working from home since covid and they're now wanting us to go back so we need to get a second car okay we have ten thousand dollars in savings right now so my question is should we put our saving towards our debt or buying a used car oh so you're not really in baby step two you're working your own plan well i'm trying to be in baby step two i'm just trying to figure it out maybe step one is what what is baby step one saving a thousand dollars and everything above that goes on your debt right so you didn't do that well we just got married so the ten thousand dollars came from when did you get married in february okay yeah and this is april right we're just you gotta decide you're gonna have to decide what you're gonna do here okay so what would i do i'd go buy a two thousand dollar car i would put uh seven thousand dollars on my debt and i have a thousand dollars in the account and i would do that by friday are you going to do that sure absolutely i mean i just want to make sure that i'm doing the right thing about the used car i don't want to um buy something brand new either and i also have a 20 you can't buy anything brand new for 2 000 i'm sorry you can't buy anything brand new for 2 000 you don't have that problem oh i know i know i'm saying that i have a car loan that has 23 000 on it so i'm wondering if i should trade in my car also at the same time oh you okay that's a different part of the question that i didn't know anything about until just now you said you needed to go buy a car and you had ten thousand dollars we need two cars and you have one of them's 23. so the 23 000 car is that the loan amount or is that what it's worth that's the loan amount what's the car worth um from kelly blue book around 25. so it's worth more than you owe on it yeah and what's your household income about 45 000 dollars between the both of us yeah you need to sell that car you don't need a twenty three thousand dollar car when you make forty you have too much tied up in car twenty five thousand dollar car so yeah sell that car and oh there's the two thousand dollars you can buy a car for two thousand dollars when you sell that car and have 2 000 extra in your pocket after you pay the loan off right right oh wait a minute we got about two cars now but you get two two two thousand dollar cars okay so you get one you know go buy two two thousand two two through two to go buy two cars that are worth anywhere from two to three thousand dollars out of this scenario and put the rest of it down to a thousand on debt and you're driving a couple of beaters now your rule of thumb is you do not want to own vehicles that equal more than half your annual income all your vehicles added together because vehicles go down in value all of them and you if you have too much tied up and things going down in value you can't win okay gotcha so i'm gonna get into two three thousand dollar cars how much debt do you have uh sixty five thousand total twenty three that is car loans and forty two thousand as student debt okay and then i'm going to plow through these student loans when the student loans are gone i'm gonna build my emergency fund of three to six months of expenses i'm immediately following that gonna save and move up in both cars and get you a couple of cars that when you add the value of the two cars together after all this is done it's still not more than half your annual income and you pay cash for them okay that sounds great so you're going to drive you're going to drive these two cars that are worth two or three thousand dollars for about two to three years is what it sounds like to me that's about how long you're going to drive them but not for the rest of your life just for a period of time to be able to get yourself dialed in here so hey thank you for calling open phones at triple eight eight two five five two two five so when you give the seven steps to the the seven path seven things you need to do the path to your dream job tonight those are in order yes you must just like anything else think of it as a climb and so we've got to get to this stage if you will and then once we're there then we're prepared we're moving on to the next they all work together i must get clear first so that i know exactly the type of work that i really want to do and then i can say what does it take to get qualified then i must get qualified before i even get the chance to actually do the work and i'm getting connected while i'm getting qualified because i can actually while i'm getting prepared i can be making connections so that when i'm ready doors are open and they're in order always in order baby steps are in order over in financial peace too kind of works that way that's why they call it number two it comes after number one this is the ramsey show we were drawn to christian healthcare ministries because we both had young families and we wanted to have more children and we had also just started a real estate company and needed to find health care coverage that would meet our needs we were attracted to chm because of its low monthly costs and the ability to negotiate medical costs down established in 1981 and accredited by the better business bureau chm is here to meet the needs of your growing family or small business check us out at chministries.org backslash budget we absolutely believe in it [Music] if you're thinking about buying a home this year here's a simple piece of advice that could keep you from making a six-figure mistake don't buy something you don't understand and in this current home environment this is not a uh this is not amateur hour uh when houses are selling for more than they're listed for and there's multiple offers putting your home on the market with an amateur is a bad idea buying a home right now through an amateur is a bad idea start by checking out our new 13 step home buying checklist and you can learn about every step in the buying process and you can be connected to one of our real estate elps text home checklist no spaces home checklist to 33789 and we'll send you the free 13-step home buying checklist home checklist 233-789 lauren's with us in richmond virginia hi lauren welcome to the ramsey show hi dave thank you so much for taking my call god bless you i love what you do thank you love what you do how can we help um we are a happy happily married couple 25 years um just about to be empty nesters um and we feel like we have missed the financial boat uh so to speak we um we started out ready to invest around uh 2001 when the tech crash happened and so we didn't invest in the stock market and things like that because we're concerned we just saved up enough money and we're getting ready to invest when the 2008 real estate crash happened and again we pulled back and did not invest so we just stayed put and we just kept saving and now all we hear is cash is trash and the american dollar is in trouble um and we don't we feel like we have missed the boat and we're concerned now that maybe we missed a way to help us retire how much do you have in savings uh two million dollars okay i'm i'm absolutely amazed and so all of this money is just money you put in there because you've never really made any money on your money no we've hardly made any we have self ladder cds and done some bonds but basically your rates of return have sucked and you still put to got to two million dollars and and you're still afraid to invest yes okay but you have two million dollars so how did you miss the boat how big a boat were you wanting to get on i was gonna say that's a great boat okay but we're just we don't know now that our kids stuff has been paid for college and things like that we just never took any time to do anything or plan for us as much as just keep our head down and work hard and now we picked our head up but what vote did you miss you missed out on a bunch of returns that you could have had four or six million instead of two million but you still have two million dollars so i don't think we can really cry a river here okay but when you say four or six million that makes me really sad but i there's no way to fix the power no all you can do is think about the future okay so okay uh let me pare it back to you what you said to me every time you got up the courage to invest you found a negative story somewhere that caused you to not do it fear yes yes and now your new fear is the american dollar is going to pot that's your latest one yes that's your latest one yes and have you noticed that your other two fears didn't come true yes i don't like roller coasters maybe that's the problem yeah but the roller coaster even even with the roller coaster it you wouldn't have lost all your money you would not have been broken homeless uh that the 2008 real estate crash actually had almost i mean in the stock market crash it came back and you know it went all the way down to 6 300 and it's a 30 000 a day and so you know you missed out on all of that yeah it's a ride but you know you're going to either uh not have you know if you had ridden the roller coaster you you know you might have had eight million dollars yep and so even if the roller coaster screws up it's got to really screw up to be to en to end up with nothing you follow yes and so i don't think that i i personally am not of the belief that america is coming to an end she's got her problems we have a whole truckload of idiots on in both sides of the aisle in uh dc and thank god it is not up to them it's up to people like you and me out here that get actually get things done as to how this nation runs and whether this nation works and whether we learn to treat each other with some respect out here uh and so you know this all this craziness on the news cycle is just out of it's just nutty everywhere so but all of that said i don't think that well i'm 60 i'm older than you and i have 100 of my retirement in mutual funds and a whole bunch of our wealth more than that in uh in real estate that i paid cash for because i think in both cases they are going to go up in value dramatically more than cds will go up now are they going to go straight up no they go up and they go down and they go up and they go down and can you stand the ride so let me give you an exercise or two okay because here's the thing okay there's two kinds of fear there's fear that keeps you from touching a hot stove or playing in traffic because those things will get you hurt that's good fear it protects you the other fear is false evidence appearing real and that's the fear you've been operating on and i know that because for instance if you will pull up just go visit with one of our smartvestor pros and ask them to show you some examples don't buy anything just go over there and start to learn ask them to show you examples of during these very volatile times what did mutual fund a mutual fund be and mutual funds c do and follow what they did and say okay had i invested in that through what i feel like were very turbulent times i don't like roller coasters quote here's the roller coaster ride i would have signed up for i think you perceive it to be the world's tallest coaster and you're going to go oh that's kind of like the kiddie park when you actually look at the actual history and the actual math listen i don't like starting over i went broke i don't want to start over so i'm not investing in stuff that's high risk either i you know i don't i don't like extreme volatility i don't like high risk i don't personally invest in any of those kinds of things so i don't have money in bitcoin i don't play the roulette wheel in vegas i don't run up a bunch of debt trying to make money i i do very low risk stuff and so i think you need to learn about the historical data on some actual real mutual funds and you will be amazed at how much less the risk was than your emotions are perceiving it and i think that'll help set you free because here's the deal you're gonna be fine you've got two million dollars you're gonna be fine congratulations you're amazing that's what's an amazing task that you've accomplished but if you keep in mind this if it's invested at ten percent rate of return instead of one it's going to double every seven years so when you're 64 you're gonna have go two to four to eight oh and when you're 71 it's 16. if it's at one percent it's not even going to go up a million dollars between now and 74. 71. so you're either gonna have 2 million or 16 million between now and early 70s depending on how much you're willing to learn and if you learn to drive a car then driving a car is not scary but otherwise they make loud noises and people honk the horns on them and the t the wheels screech and they're really scary until you learn how to drive them so i'm never gonna learn how to drive a car that's false evidence appearing real any closing thoughts i think it's absolutely well because it was just a fascinating study in psychology there and these are people that are so disciplined and they're the ones that are worried about doing something stupid i i would just say to her i don't think you guys could possibly do anything dumb if you go do your homework and actually learn about it by the very nature of what they've been able to amass with sheer discipline it was amazing i mean their money their money didn't work for them they put all that 2 million in there you're not gonna do anything dumb at all yeah the chances of you doing something extremely stupid are very very low this is the ramsey show [Applause] [Music] thank you for joining us america the get hired event is in just a couple of hours at 7 00 p.m central 8 pm eastern tonight it's a live stream with ken coleman text the word hired to 33 789 for your 30 ticket and you will learn the steps to get hired emily is with us emily is in boulder colorado hi emily how are you hi good how's it going better than i deserve what's up so i have a couple questions um i'm actually headed to sell my car right now so i'm gonna try to make it as quick as i can maybe get to the second one but the first one um sorry my voice is shaking so much um the first question is my boyfriend and i were currently living in his mother's basement and we are we were planning to have enough money saved up to be able to move into an apartment in july however with the relationship to his mother she's now wanting us out sooner she's generously offered to pay for us to do so but um because of the relationship dynamic uh i'm just a little unsure whether or not to take her up on her offer so one option is for her to just pay the first couple months rent and the other option that she suggested was to for her to buy a property and us to essentially pay the mortgage or to basically rent to own okay um how old are you i am 30 and my boyfriend is 27. okay so you're my kid's age um and so i'm gonna pretend like um you and i know each other better than we do and that i care deeply about your future okay and um uh because i do actually care deeply about your future but we don't you and i don't know each other that well you've listened to me on the radio and i've talked to you for a minute and a half all the time but um we listen to you every day religiously yeah and so if you've listened a lot you probably have come across the call where i tell people not to buy properties or rent properties with people they're not married to have you heard that before yes so it would not come as a surprise to you that i would suggest to you that this is ludicrous it's about it it's a bad idea the one where the one where she buys a house and and wants you to be involved in buying it with her son and you're not married to him is like about one of the craziest dumbest things you could possibly ever sign up for please god don't do that okay okay there's so many things wrong in this transaction legally relationally financially yeah there's just there's this is all dumb please don't do that and these are good people trying to do a good thing a bad way sure so um yeah if she wants her son to move out of her basement and she wants to help him get an apartment is she just going to give him some money to do that yeah she's um i haven't been involved in any other conversations but basically what i've what i understand is that she has a certain amount of money that she was willing to give us for an apartment uh we did find one but we uh we were going over the lease agreement and just realized that it was a really bad decision uh there was like pretty much all the liability was on us so we backed out of it last minute which is now why they are both considering this other option you just didn't find an apartment yet and you know okay here's what i would suggest you do okay and and i i i i know i'm asking a real hard turn from where you guys plans are so i don't know how successful i'll be and what i'm asking but my motivation is pure and my uh experience is um 30 years of talking to people like you okay so he should go get an apartment in his name period and if his mommy wants to give him some money to get out of her basement that's between him and her you should not be on the lease with someone that you're not married to and you certainly shouldn't be in a rent to own with someone you're not married to yeah if you choose to shack up with him and move in to his apartment that the lease is in his name that's certainly your choice i would recommend against that but i doubt i'm gonna get that far if i can get if i can get you far enough that you're at least not signed on documents with the guy you're not married to uh we're at least making some headway for protecting you okay because if y'all break up no let me try this when you break up and you're both on the lease you know how hard this is going to be legally because the apartment complex is not going to let either one of you off somebody's going to be in there not paying it and the other one's getting screwed yep please don't be on a lease with someone you're not married to please do not buy a house from his mother on a lent to own with someone you're not married to you set yourself up legally not only relationally and we can talk about morally and spiritually if you want to but i mean all of these other things you're just setting yourself up for all kinds of problems honey and i just i want you to win yeah it was a little scary to to me but i just wanted to hear that from somebody else because we've been getting conflicting advice from his parents and my parents and i know ultimately it doesn't matter does what i'm saying makes sense to you yeah it no it definitely does okay i'll just add this very quickly dave gave you a really great dad perspective and and i'm just going to tell you if i had your boyfriend on the line you've mentioned twice that there's some tension i'm just that's me kind of pulling that out but there's a relationship issue already between him and his mother i wouldn't take the mom's money he needs to be a big boy he's 27. put his big boy pants on and he needs to go get an apartment and i'll tell you what else if i had him on the line he needs to commit to you i think dave dave said it very well i'm not adding to i'm simply saying i wouldn't i wouldn't enter into any of this unless you're unless you know this guy's committed to you you guys are playing house right now you're 30 years old i don't know dave i just wouldn't take the money from the mom it feels like that could be if there's an unhealthy relationship with my mom or my dad i don't want to take money from him you're talking to him i would tell him that that's what i'm saying i'm talking to her right now i'm just trying to get her away for this oh i agree um you know illegally away from it into a lease with this crazy situation dangerous so um but yeah i mean and emily you just gotta understand i mean ken and i are uh we're considered old-fashioned dinosaurs in our in our viewpoints on these things but and i so i'm only coming at you from the legal perspective that you're going to get trapped into a lease when his mom blows your relationship up and you'll be trapped in a lease with mama's boy and um or or a young man that's at war with his mother who's a control freak i don't know what's about to come up but this is not gonna go well this is not gonna you know there's they're having this is this is there's issues here and so please please please give yourself uh escape routes uh don't don't chain yourself to someone that you're not married to uh this is your roommate argue over whose mustard it is don't argue over things that are gonna bankrupt you uh or put you into a situation that takes you five years to recover from this landlord suing you because the two of you broke up and both of you moved out and nobody paid the rent and you ended up paying it because he disappeared and his mommy's money with him and so this is just danger danger danger danger red flags all over the place and that's what i would tell my daughter except i would take it a step or two further than i did with you uh in terms of um other paradigms through which we would look at it as well uh that we just ran out of time and can't get to but please don't do this this is the ramsey show [Music] [Music] [Music] our scripture today hebrews 12 11 no discipline seems pleasant at the time but painful later on however it produces a harvest of righteousness and peace for those who have been trained by it c.s lewis says hardships often prepare ordinary people for extraordinary destiny love it open phones this hour ken coleman ramsey personality is my co-host this hour ryan is with us ryan's in san antonio texas hey ryan how are you hey dave thank you thanks for having me on the show sure um hey another question for you guys um my wife and i he's been following your program for years now we've we've made it all the way through baby steps three paid off quite a large amount of debt and uh earlier this year um our house worked down we uh we just uh anyways we're still going through the process now you know and with insurance and all that and we actually just um we finished uh just last week we we had to access our uh six months emergency fund um to help cover some costs and all that but we actually just topped it off again so we're so we're back we finished baby step three and now we're on the four five and six and we have a budget and we we've fallen we're following your steps and doing all that the the issue is that you know with insurance and you know with all of our contents and everything you know at some point we're going to come into a you know sort of a large amount of money that to cover all these things that we lost and honestly we you know we don't know what to do we're so used to just not having money and and you know budgeting and saving all this and then when the settlement comes and we get that money we're a little confused about what to do with it okay well it is earmarked for two things one is to rebuild the house and two is to refurnish it yes and i mean we have one policy which is covered for uh rebuilding the house and that's sort of taken care of and then we have a separate policy for all of our uh to refurbish it um and uh i mean you know i don't know what that's going to be and i and we're so um i don't know the word is thrifty that uh you know i you know i i'm not it could be tens of thousands of dollars i'm not sure but you know once we rebuild it and we have leftover money or once we refurbish it's like you know what do we do when you rebuild it and you have all the furniture in it if there's any money left then worry about it then i mean should it go to i don't know four or five babies at four five and six yeah yeah it'd be five and six if you have money left after you refurnish it you need to take this money uh and you know you've got the building project itself which is one lump of money you've got the money to replace your personal loss your personal items and furniture and that's a different check am i correct correct that needs to go into a separate checking account and you need to manage the refurnishing and replacement of your items as a separate project completely independent of anything else okay so just treat that money completely separate from anything else until you get the house completed and you move in it and you're done and you go okay we're done oh look there's five thousand dollars left oh look uh we had to put money into this because we didn't have enough oh look you know whatever but you're gonna manage it to swear i'd like for you to rebuild i'd like for you to refurnish the home and have a little bit of money left if you refurnish the home buy your clothes buy the blender whatever it is you got to buy and uh and there's a bunch of money left that's fine but i don't most of the time you're not going to get enough to actually come out of this with a profit so i think it's more emotional ken to set this aside and manage it as a separate project yeah look ryan you're a smart guy you understand the baby steps you've got this down pat you guys are very thrifty using your words when dave says worry about it when it happens worry but there's nothing to worry about you'll know what to do uh i just again there's this fear that you sense over you that you're gonna do something wild or crazy with it and i don't even think that's possible so trust in yourself you got this yeah i think you can do it it's so emotionally devastating to have a home to lose your home because it's so much of your life goes up in those flames oftentimes and um and it's just it's it's on the list of things that'll put you in the hospital like the loss of a child a divorce a death of a loved one the uh a bankruptcy other catastrophic personal events uh they come into play here and you've got one of the big ones you know and that's what you're facing so uh you know emotionally process that and um but i i think you give yourself permission to not make money but not go into further in the hole because of this if you came out and had zero if it was a sum total zero can and the home is refurnished and the home is rebuilt and there's not a dime left but you didn't put any of other dimes in other than insurance money that's a complete win absolutely it is because like you said this is a traumatic situation i mean you know just to kind of reset because you can't replace yeah you just can't it feels like it's a lot of money but it's probably not i think that's what i'm saying yeah i think that's probably right when you get down into it when you start listing out and you go okay we gotta buy couch we gotta buy a rug yeah you gotta buy a lamp you gotta buy these two tvs you gotta buy blender and you start putting dollar amounts beside those that money's gonna go pretty fast yeah even at a thrifty rate it's still gonna add up even being intentional and careful and managing it as a project and not being helped or skelter with it you're still got to be careful yeah alexa is with us alexa's in denver hi alexa how are you hi i'm good how are you better than i deserve how can we help yeah i have a question i'd like some input from you guys on so i am at a job right now i guess you could say overall comfortable really good pay really good benefits the you know the atmosphere or the environment is good i feel appreciated you know everything wow the only reason i bring it up is because i am a mom of three kiddos um so it's a little harsh on the family and i i guess i'm going into about six months in this job right now and i guess i'm starting to miss my old jobs working with kids um i have kind of a really office job right now um but you know as i mentioned i'm overall comfortable um the schedule is a little tough on my kiddos i work for ten um so yeah i guess i'd like some input from you guys so you're you used to work with children in your old job yeah so my my most re i guess i've always worked with children um but my most recent was at a school uh working with kindergarten through eighth grade students and now and now what do you do i'm a court clerk okay all right yeah so your heart your heart's going you got two things going on in your heart number one it's tough on the kiddos and you're feeling some uh maybe some mom guilt or you're going this i can't keep this up this is tough on the kids so you're starting to think exit anyway and then thinking about that exits got you thinking about what do i want to enter into and i think you're coming to the realization i really love working with kiddos does that sound about right i mean i think so yeah so here's the deal so you got to take care of those kiddos so i'm i'm fine i think if you're asking hey is it okay to be looking yes i don't want you leaping i want you looking hey if i know that the work i want to do is with children then let's look at all the different ways that you can work with kids and you've actually got a background you've got some experience and some skill set there and i would be looking to make that transition don't feel guilty about wanting to leave a job that for all intents and purposes is a good comfortable job but if you know you're supposed to be doing something else you need to embrace that and start to take the steps to move towards that but be smart about it yeah what would be the parameters that would be the dream job yes and the hours who you're interacting with what you'd be doing and so forth yeah yeah that and if you lay that out then you'll know when you find it if you if you itemize it ken good hour thank you sir james childs kelly daniels thank you for the show today great job as always i'm dave ramsey your host 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 kelly associate producer and phone screener for the ramsay show if you would like to do your debt free scream live on the show make sure you visit theramsieshow.com and register we would love for you to come to nashville and tell dave your story [Music] you

Channel: The Ramsey Show - Full Episodes

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Id: _lZQ5JObLdc

Length: 122min 30sec (7350 seconds)

Published: Tue Apr 27 2021