Happy Scribe
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Live from the headquarters of Ramsey Solutions, broadcasting from the Dollar Rental Studio, this is The Dave Ramsey Show where America hangs out, talks about life, money, your career, your relationships, the mental and emotional health. I'm Ken Coleman, host of The Ken Coleman Show, which is a part of the Ramsey network. And I'm joined by my colleague, Dr. John Dulaney, the host of the Dr. John Delaney Show on the Ramsey network.

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And we together are here to take your questions. It is your show, America. The phone number is toll free. It's triple eight eight to five five two two five eight eight two five five two two five. Let's start it off with Blake in Wichita, Kansas. Blake, how can we help?

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So I started on the, you know, the whole baby stuff and everything, but in August of last year and I had started paying things down or whatnot because I know where everything is. You got to get current before you can, you know, start the snowball. From my understanding, when I had surgery in November and then I was out to February and then I got laid off in April and then I was laid off and didn't have a job for a couple of months.

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And so we fell behind on things again. And so I'm just trying to figure out what I need to do to get back on track like or to a point now almost caught back up. But I guess I'm kind of stuck in a pickle.

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You're rotating your language a little bit. You said I said I then you said we. So who's who's I?

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And we might be I'll say, you know, your fiancee. OK, so are you all working together on this plan? Do you all share in plans or are you all in this together?

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Yes, we set quite a few times and worked out the budget and everything, she's currently a stay at home mom. We have two boys and so obviously that hinders how fast things can be accomplished.

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What do you mean? What do you mean specifically when you say we've got to get caught up first before we work the baby steps? I'm a little fuzzy on what you mean.

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So because I've gotten laid off, we had fallen behind on like utilities and rent and things like that. OK, I got it.

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You just not the job to get a credit card out. Did you just go into a you 90 days behind your bills?

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Where are you as of now? Because I have started working again, so I've been working for about three months now again. And we're caught up on everything except for our water. And it's only a month or two months behind now. And so. Are you guys living beans and rice, are y'all cutting out all the nonsense to get caught up on this? Because these aren't frivolous things. These are four walls things. These are basic necessities. Brother, you've got to have water.

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Want to make sure that you're getting the gravity of this one.

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Yeah. You know, we've we've cut out all the extra spending and everything like that already. Very cool. So what's your what's your big question? Sounds like you guys hit a pothole. Your got a job, you're kicking butt, you're getting back on it. Are you just getting frustrated and worn out and exhausted. I I guess my biggest question is where I don't know what to do is we had bought a twenty 20 Chevy trucks because we had paid off our other vehicle with the tax return.

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So we had one vehicle that didn't have anything, but our vehicle had a bunch of problems. And so we traded it in and ended up carrying money over to the tracks. And so that's a thirty thousand dollar loan, which is more than what the vehicle is worth. The question is to get us started is do we sell it for what we can get out of it, which is roughly 20000, just make easy and then have just a ten thousand dollar loan to make payments on and buy two cheaper vehicles or 80 per vehicle, because actually we have one that's completely paid off.

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Well, before we get to that.

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OK, how how long before you're going to get caught up on the water bill?

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Hopefully October 9th. It should be completely cut.

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And you both are working now. No, just you. Yes, and she's got the little guys are the little the little folks at home, so she's she's got to take care of the kiddos. Yeah. How long has she been your fiancee?

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We've been engaged for about a year and a half now. What are we waiting on? Money, yeah. OK, so so is it possible do you have friends and family in in your area that might be able to, you know, step up for the short term and watch the children for her to work at least 20 hours a week? Is that even an option? Have you looked at that?

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She also so she starts school again and not on October 19.

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So how is she paying for school? She has student loans.

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OK, what is she going to school for? Nursing. OK, so who's watching the kids while she's going to school? Her mother. OK, how much does she have left in the nursing degree or the program? How much longer? Just a year. OK.

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And OK, John, here's the deal, I'm working. Here's the deal this week, we can't overcomplicate this. You're only working one job, is that right? Yes, you need another job, because what you have got to do is we've got to get current and we've got to get not just current, but we've got to get enough income coming in for you to not just get colonel in the water, but to very quickly get that baby step one taken care of, which is a thousand dollars just to cover your garden variety emergency.

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Do you understand what I'm saying? All right.

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And then everything else is attacking that debt. And then, yes, once you get baby step one taken care of, we start taking the smallest debts and we attack them. What else besides the 30000 dollar van or whatever it is, do you have?

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It's. Mostly the rest of it's old school loans between her and I. OK, she's got roughly 50 because she was like, you know, that was before we got together. And then I think I have 18 in total.

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OK, so, Blake, I want to take a step back even further than what Ken Kin. Ken. Well, hold on.

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Before we go, I'm going to be very quick. So here's the deal, Blake. So what you need to do is, is you do the 1000, you need a second job, maybe even a third job. You got family there to help with the kids. This is all in man going absolutely bananas, gazelle, intense thousand dollars and Mercy Fund. And then what I want you to do is, yes, I would sell that car. And and so now you create a ten thousand dollar loan, an 18 and a 50, and you attack the ten.

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So, yes, that's what I want you to do. John. Go ahead, Blake. I want you to see what happened for what it was.

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OK, you hit an ice patch and you almost went completely over the side to the point that you have two little kids, a fiancee. You're completely untethered, trying to hold 50 different plates spinning at once. And you guys almost went over the edge. You were about another thirty days from going over the edge, weren't you? All right, I want you to recognize this for the cosmic gift that it was, you're living a a planned free life, a vision, free life.

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And I understand what it's like to all of a sudden you wake up, you got you kids, things are spinning. You and your fiance have to get off the track for a second and come up with a plan together. It's going to 100 percent include Pickens talking about. But you cannot live untethered anymore, brother. It's going to push you over the edge. You're one more mistake from when it happened. Three jobs, get on a plane, start cracking down, get married, get it right.

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Yeah. And no more debt. No more ever. And put a ring on my kids. This is the day. Well, we all have enough on our plates, right, the last thing we need is to not get a good night's sleep. Think about how effective you're going to be during the day if you can't even think clearly because you didn't actually arrest. That's one of the reasons I've been recommending Tufte and Neidl. My family has their mattresses and they start as low as 350 dollars plus.

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You can try it out 100 nights risk free, go to t end dotcom to pick yours out. They ship it to your door for free. That's T in dotcom. Welcome back, America. This is the Dave Ramsey Show where we talk about your life. We talk about your money. We talk about your career purpose in your work. We talk about your relationships. You talk about mental emotional health. I'm Ken Coleman, joined by Dr. John Delany.

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As we take you through this hour of the Dave Ramsey Show, eight eight two five five two two five. That's eight eight two five five two two five. Let's go to I never know on this one, John.

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I think it is Lima, Ohio. We'll see.

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Brooke is there or. Yeah, Brooke, how can we help?

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Hi. Can you hear me? Yes. Is it Lima or Lima? It's like, oh, I got it. You're like, wow, I want to go with Lima because we're very excited, very excited. We're off to a good start here. Yeah. How can we help today?

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Thanks for taking my call. So my question is, my husband and I are on baby step number two and we have some in our savings. We have our first baby on the way. So my question is, if you have like a suggested amount, what people should save, because I know that Devoy says to pile up all your extra money, like from your debt until you have your baby. So when's your baby due?

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March.

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Can we just stop and say congratulations? That's so cool. This baby. No, baby, no one.

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Brooke Yeah, baby. No one. Oh, are you guys excited? Nervous. What are you feeling?

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Yeah. Yeah, we're really excited. I'm actually like, yeah, I have to go to the doctor pretty soon here, but yeah, I'm really excited. They're all right.

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So let's walk through the basic checklist and I'm assuming do you have your mom or maybe your mother in law help her? Some girlfriends that have babies, are they involved in all this? And you're going to have the showers. You get somebody there that that has had a baby recently.

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Do you have that around you? Yeah, I definitely have my mom and my mother in law and my best friend just had a baby. So, so, so I want you to rest in the fact that they are wonderful resources of information. And I think you create a checklist. I think you create a list of, OK, what are the things that I'm pretty sure that I'm going to get in my baby showers. Right. And and then what are some things that that we can't count on that in the showers and we're going to have to buy these things that could be everything from a crib to, you know, the whatever else, if you want to put a humidifier in or whatever it is that you want to do.

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And so you just kind of get a game plan for all the things that you're going to need and then you need to look at, all right, what are my monthly costs going to be for baby?

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So we know diapers, right? We know that. And you just you sit down with, you know, and you just think through all that and you go, all right, realistically, how many diapers am I going to have to you know, you look at a box and you go, OK, I'm going to roughly go through two, three boxes or whatever it is a month, John.

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It's been a while. And I honestly just kind of deleted that from my memory. But you know how you brain helps you out that way, right?

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Yeah, but that's how you come up with that number in it. And you're really wanting to make sure that you get to the monthly. What are you going to have to spend on that? You want to get that in your budget. But to kind of soften that blow, you're wanting to save up money for the things that the big expenditures, some of the things that you're going to need, maybe some of those early doctor's appointments, things like that, you just want to create that list and that's going to help you come up with that number.

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Brooke, do you do you have a bunch of other debt in baby step two?

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So I have my husband. I have two student loans combined and then we have a car. So right now we've been really aggressive in paying off the car. We're trying to get that done before the baby. And I think we'll have to pay it off by November 1st.

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How much you have left and how much you have left on that car? We have about forty seven hundred dollars. OK, so you're up each month with about twenty three, twenty three and a half, two thousand three hundred dollars left over. Yeah, yep.

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We've been paying we've been putting an extra two thousand dollars on debt every month and going for the card right now and then. So we have eleven thousand dollars saved for the baby as of right now. But I just, I don't know like if I'm supposed to be after the baby or so here's the deal, Brooke.

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You're in great shape for the baby. Yeah, Brooke, you're not going to hurt anything if you. I understand. Get in that car is just a burden your soul right now. If y'all knock that out November one and that's going to give you four more months just to put stuff in an account for what come what may with that baby, that's not going to hurt anybody for paws in your baby.

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Step two, are you in a health care situation? I mean, are you going to have a copay or is there a certain amount that you can you can do some research on on just the hospital costs for having the baby? That's what I would be looking at. But I think if there's not some big number there because of maybe kind of a tough insurance type policy that you've got your health care coverage, I think eleven thousand dollars, I think you're in great shape given the discipline that you all have.

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OK, well, that's good to hear. And again, nothing if you go from December through March and you don't throw extra, of course you're making your minimum payments toward your remaining two student loans. Nothing's going to hurt if the baby's born. You have a great shower your friends and family come through for you've got the stuff and then you're just going to write a big check to your student loans in April 1st. No, nothing's going to be harmed by that.

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That's right. And you're going to pay that off. So you got the wiggle room.

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You've got more than enough room to as you're learning the new baby budget, you've got plenty to cash for that. But again, do what I told you to do.

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And I think you're going to see that you've got more than enough cash for baby entering your lives. And we're so happy for you.

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Your baby is is is going to be born into a wonderful, wonderful financial situation because you guys are already on purpose and you are making some great strides. And pretty soon you're going to be debt free, as I hope you consider calling in or coming to see us here national doing that debt free scream with that little baby. That's going to be fun.

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OK, thank you.

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You bet. Thank you for the call. I love that. That is so good. Let's go now to Washington, D.C., where Wellesley is on the line. Wellesley, how can we help?

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Hello, gentlemen. Thank you for your time. Sure. My question is for my boyfriend broke up two weeks ago, and my question is, if possibly I could have found a compromise to address the issue of the distant future goals that he and I have breaking up with him.

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Hmm. How long is your date? Five years. Five years.

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Well, let's see if he can move that phone a little bit closer to your mouth to see if we can hear you a little bit better.

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Better. Oh, much better. Yeah. So after five years, you pulled the trigger and said no more. Well, what was the disconnect and values that that made you take that step?

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OK. So for example, I am a homebody and I'm close to my family and my friends and social circle are in close proximity to me. But he wanted to move away from our family and leave the island to some Caribbean island and into the kind of style I want unfollowing step and want to have a comfortable living room. And his motto is Living Life with the experience, not from the top. Mm hmm.

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And what did you what did you love about him that kept you all together for five years?

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So that's the thing. So emotionally isolationalist, you know, come up really well. And look, we're serious about our commitment. But it just clear that I just don't have a common vision for our future. So, yes, emotionally, I think he and I connected well and I'm a very patient person. So I guess also I just went along with it for a while. The differences. Mm.

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I've just quickly curious here because we've only got about a minute.

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Did you I'm assuming you guys discussed this and did you ever kind of say, hey, I can't live that life?

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Did he ever say, well, I'm willing to change or did he say, well, I'm out? What happened? Who broke up with you? So I did the briefing, so he was not willing he was not willing to compromise. And that's what we were willing to compromise, but I think the issue was we didn't know where to compromise my Wellsley that you did you and him ever go sit down and talk to a marriage counselor together?

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No.

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Did you have a big blow up fight or did you just slowly to the air, just leave this relationship?

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So there's something bigger going on here.

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You can have different beliefs. Your values can shift and move over time. If you could create a vision together and sometimes getting a professional to help you walk, that is important to help you ask hard questions and do things like that together. But there's something else going on here. Wellsley, if you think you made the wrong decision, call him back. Yeah, but go sit down with a professional and give it one more shot where you get an independent voice so you can really see what's on the table.

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Good advice, Dr. John Taylor. Hey, don't move. More Dave Ramsey show coming right up. This is the Dave Ramsey Show, I'm Ken Coleman, joined by my colleague, Dr. John Boloney, as we take your calls this hour about life money, good job advancing to the dream job, getting clear on how your work and purpose can come together, getting healthy in your relationships, mental and emotional health. That's what we're talking about here. 8255, 2005, eight eight two five five two two five blind dotcom, 100 percent satisfaction guaranteed means.

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Even if you miss measure or picked the wrong color, they'll remake your blinds for free. John, that's important because I'm the guy that measures every time I screw up.

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Yes. Yeah.

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You'll get the free samples, free shipping. And with the new promos they run every month, you'll save even more. Use the promo code, Ramsey to get the best deal.

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Rules and restrictions apply. All right. So today's question comes from Patricia in Kentucky. She visits Dave Ramsey dot com to ask, Prior to raising my kids, I was an executive assistant. I chose to be a stay at home mom for 20 years. My kids are now adults and I'd like to return to work, but I'm not qualified for an administrative assistant position, according to the job postings I see online. My computer skills are lacking, even though I'm very comfortable using a computer.

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A lot has changed in how business is conducted in the last 20 years. Can you offer some guidance on what I could do for a job? I've thought of taking classes in Excel HubSpot Google Suite as these are some of the qualifications required, but this takes money and time.

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Do you have any advice? Well, my first advice is to call the Ken Coleman show Patricia so I can kind of find out what type of work you really love to do. But I think it's kind of clear here, John, even in this this question submitted via Dave Ramsey dot com, that she'd like to go back into being an administrative assistant. But she has had the classic thought, oh, gosh, I've been out of the workplace for 20 years.

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I'm irrelevant. And time has passed me by. The thought that she needs to have is what made me a great administrative assistant 20 years ago, makes me a great administrative assistant today. What is that? That is the talent of being detail oriented, a person who is naturally organized and has the talent to organize and spin multiple plates, which, by the way, is a stay at home mom.

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You got better. You got even better. Right. And so you're actually really, really qualified. What she's looking at is, well, now there are some new computer software is out there. There are new office suites of things you've got to use. And she's already answered your own question because she simply says, hey, I can take some classes online. Excel helps write Google Suite, but this takes money and time. Well, guess what?

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You save up the money. It's not a lot of money. We're talking we're not talking about going back to school here. It's not that much money and it won't take as much time. Go ahead and commit to this. She is in stage two of my seven stages to meaningful work, and that is get qualified. And so she's already figured out what she needs to do. She's figured out how much it's going to cost and then she's figured out how long it's going to take her based on our budget.

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Go ahead and commit.

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But in the meantime, I would look into the marketplace for maybe some part time jobs to get your toes back in the water, to wade back in the water, maybe in some roles that don't require all these specific administrative assistant qualifications and just go help people go help a small business friend who just needs an office manager. You can do that with your eyes closed. You raised kids for crying out loud. You have been the CEO, the CEO, the office manager of a family.

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You're qualified. Go ahead and get in. And that part time job, or maybe a full time job is just some type of administrative help. We'll give you the money you need to get all those fancy qualifications to get that big time administrative assistant job. So there's my answer.

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Here's a here's a secret that I'm being vulnerable and telling for the first time. Oh, I like this.

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When I got my second big time job at a college, my responsibilities went from a few people in a few million dollars to a number of people and a lots of billions of dollars.

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And I'll never forget the time I turned in a performer on a word document to our president. And he looked at me as though I had just handed him a plate of moldy bread and said, enjoy. Yeah.

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And he looked at it, it looked like turned it over and I'll never forget his face. He's a good friend of mine.

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He said, What is this? And I remember thinking, that's not what you're looking for.

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So I got a college student that snuck into my office at four o'clock on Wednesdays and taught me Excel.

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And it wasn't as complicated as I thought. That's right. It wasn't as fearful as I thought.

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And the kid was about fifteen years younger than me at the time, and he helped me pretty quick.

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And so even if you've got kids in college that can help you begin to learn some of these things, for me, it was about swallowing my pride and saying I've got something I've got to know and I got to go find some way to help me do it. That's right.

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She can get there and so can you. Two eight eight two five five. Two to five, that's the number to jump in to the conversation like eight two five five two two five. Let's go to Johnson City, Tennessee, east of us. And Josh is there. Josh, how can we help?

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I can. Hey, John, are you guys doing. We are living the dream. How can we help you? So I'm gonna try and keep this brief little back story of the situation. I've got a pretty nice car that the motor blew up in the sink, so I had to replace the motor and then on the way jackknifed bumper to bumper. So I got to replace the bumper. At this point, I owe money on it. But at this point, at this point, your car is not very nice anymore, right?

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Well, actually, we're extremely glad we were able to cash flow the entire thing. So we did we did use the baby, the baby step on. We used the emergency fund, but we're starting to put back into that at this point in time to sell it. So I guess I can see one of three options is to finish out what we've got left of baby step two after we finish up, baby step on again. And we kind of ignore paying off the car because we're already planning on selling it.

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Step. The second option is, you know, do baby step two like you normally would, and then whatever we sell the car for, we use that residual amount to get a new car or just kind of make a set amount that we get out of this car towards the next car and then use the rest of the money that we would have towards the towards the rest of, you know, the baby step three and everything. But the kicker in all this is my wife and I are thinking about trying to have another kid so very soon.

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So I'm just kind of trying to figure out a good like a good path to take on all of this.

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How much money do you owe in debt, including the car? Of 15, like just under 15000. All right, so we'll say 15000 is what you owe. And how much is the car worth? How much is the car worth it's worth? Like anywhere from 75 to 80, 85. All right, let's split the difference there. And so how much do you owe on the car? Just under 14.

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The premise is also the only debt. OK, so I'm catching up now. The only debt is the car.

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Yeah, we have to room with like a thousand dollars that can be paid off in a couple of weeks. OK.

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So if we sell the car for 75, you owe 14 on it. So you walk away with 35 is our is a writer and I get the math.

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What. It's like 37. I only 13. So thirty seven hundred dollars. All right.

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So you walked away with 3700 dollars in you and so you could take that 37 hundred dollars and you get a and you get a you know, a 35, 37 or dollar car and now all of a sudden you are debt free, brother. It really is there.

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And now you're getting at it, you know, and you get that emergency fund built up pretty quickly. And now you're moving on to baby step three and you're putting the money away. And I think you're fine with the baby and you're overcomplicating things. Don't the baby doesn't figure into this at all.

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I think you sell the car today. You put it. You have you get it ready to go it. Yeah.

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So I think you sell it and listen, you can get a you can get a reliable car. I'd go find some cars, you know, go do your homework on these cars that are really reliable, high miles cars. All right. And so I'd get one of those.

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It may not look great, but as long as it runs really well, this is for a season, you're going to be pretty quickly in a place where you can cash a car. But, yeah, get the debt out of your life, man. I think this car is kind of sending you a message. Sell me. Sell me. Yeah, yeah, yeah.

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I was struggling with it about a year ago, trying to figure out if I should or shouldn't. And I decided not to. And then everything happens. Okay.

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But, you know, let me ask you a really quick question, OK? We only got about forty seconds here. If you did not sell the car, how long would it take you to pay it off?

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What's happened now after the fact of from the next summer, sell the car? Yeah, I still want to sell it. Still sell it. All right. That's good. Hey, thanks for the call. Congrats on the baby. You're going to be debt free very soon. That is always worth it. By the way, that older car with higher miles still going to feel really good because, you know, you pay cash for it, right?

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And you have. Freedom, financial freedom in your future. This is the reverend. Welcome back. You were listening to the Dave Ramsey Show on Ken Coleman, joined by Dr. John Delany as we take you through this hour. Thrilled to have you with us. Triple eight to five five two two five. We're talking about your life, talking about your money. We're talking about your work. Are you doing work you love? Are you miserable on Mondays?

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How are you doing in your relationships? Struggling with anxiety.

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What's going on? We're here for you.

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8255, 2005 eight eight two five five two two five. Let's go to Battle Creek, Michigan. That's where Jeff joins us. Jeff, how can we help?

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Hi there. Nice to talk to you. Good to talk. My question is, is for the last twenty one years, I've been working at a low paying retail job. Next fall, I have the opportunity to go to trade school, which I've really been looking forward to. The only problem is I'm going to have to quit my current job to go to a trade school. And then, you know, that security blanket is going away. How will last?

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Paycheck weekly. How long is it? Nine months.

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OK, and what's the schedule? Like eight, four thirty.

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And then two days a week? I would be going around four in the evening to a thirty at night.

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OK, and is this a trade school where eventually you get to actually get paid or is it nine months, that entire thing you're paying, you're not getting paid.

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It's nine months. I do not get paid. It's just straight up trade school, but it would actually be free.

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OK. Oh, so you're not paying at all? No, I wouldn't be paying in law. It's totally free. All right.

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Are you married? Single. What's your relationship status. Married with two children. OK, does your wife work in the home or outside the home. She works outside the home.

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OK, and this is all about U.S.. Ken, I know what I want to do. I know why I want to do it, but I got to figure out how to financially float through that nine months.

[00:31:22]

Exactly. Yeah. Do you have any debt? The only thing I have is my wife's student debt. How much are 50000? Well, OK.

[00:31:32]

And are you guys aggressively attacking that right now? Not right now. We basically paid off all our debt. My house is paid off very well, but that's the only thing we have left.

[00:31:44]

So beyond the money, I it sounds like you're worried about leaving retail as much as you don't want to say that. Is that right? Are you nervous to leave something that you've been doing for 21 years? Yes.

[00:31:55]

You know, I've been doing it for so long. If I feel like that's one of the only things I know how to do.

[00:32:00]

Oh, hold on a second, Jeff. Now, listen, how excited are you about taking on this trade, even though you got some nerves about leaving that this actual work itself? Where do you want to end up in this? You're taking trade school to go somewhere. Where is that going?

[00:32:17]

Oh, I want to eventually, maybe even towards the end, owning my own business.

[00:32:22]

Yeah, but what's the work itself? What trade back. Yeah. And do you like problem solving. I love problem solving. I like being able to travel and go to different places. Yeah. Are you good at Problem-Solving? I am very good at problem solving. Yeah.

[00:32:38]

When you think about showing up at somebody's house in the middle of summer and their HVAC system has gone to the craps and they're dyin and you knock on the door and they see how happy you see how happy they are to see you and you go in there and fix it. And then when it's all done, you say, hey, you're all set. You should be cooling off here in a couple hours. And they react with that unbelievable joy and appreciation.

[00:33:01]

How does that make you feel as you think about that desired future?

[00:33:04]

Oh, that makes me feel ecstatic. I know I've been in that place before and I would love to give that to other people. Yeah.

[00:33:11]

Are you going to feel that if you stay in retail? Not at all.

[00:33:15]

Actually, for the last couple of years, I've been pretty miserable.

[00:33:18]

Yeah, I know you're miserable. So what's your hold up, Jeff? Oh, he's worried about the money. So here's a deal, let's attack this, so what do you have to save up? To be able to do the nine months of the trade school and not be super, super tight or even go backwards financially, what's that number?

[00:33:39]

About eighteen thousand, save up to 18000. Work a second job right now, work a third job, sell something, get 18000 in the bank. And that's when you start the trade school. It's that simple. It's a math thing. And I appreciate, you know, what John's asking about you being nervous, but I took you towards your desired future so you could see how bad you want it. You could taste it, can't you?

[00:34:00]

I can taste this. So let me ask you this, Jeff. If I gave you eighteen thousand dollars right now, how quickly would you sign up for the trade school? I'd be there tomorrow. Yeah, you'd break your leg to get out the door. Yeah. So it's eighteen thousand dollars. Save it up. Find a way to figure or sell or cut your expenses, do something to where you can get yourself through that nine months and coming out of that nine months, you're going to get hired and you're going to make really good money doing something you love.

[00:34:28]

So that's the answer. That's all you got to do, come up with how am I going to cash flow or support my family? How do we get through that nine months of commitment and coming out on the other side of that, we got the future we want. You understand what I'm saying? I sure do. You can do it, can't you, Jeff? I can see the light at the end of the tunnel.

[00:34:47]

I want you to write 18000 on your fridge, on your mirror, at home, on your car dashboard. You stare at that number. You hear me? That is your focus. That's the key to you moving forward.

[00:35:00]

You got it. Yeah. Yeah, I got it. I believe in you. You can do it. You can do it. You absolutely can do it. All right. Let's go next to Mankato, Minnesota, where Jeanie joins us.

[00:35:11]

Jeanie, how can we help you? So currently, I'm a mechanical engineer and I had a son about a year ago. That was a really rough pregnancy. He was one of triplets that we lost the term beginning of the pregnancy and then we almost lost him at birth. I was very happy in my job until that happened. And in the last year, I am no longer happy in my position. I don't feel valued. I don't feel like I'm contributing.

[00:35:39]

I've started to I've convinced my husband that we need to go debt free. And I think after we're debt free, I think I want to become a financial advisor. But in the meantime, I'm looking at how do I stay where I am until we complete that, where I think I'm being underpaid and undervalued and do freelancing on the side, or do I try to go to a better position somewhere? I also have an older son who goes to a lot of therapy and my job does give me the flexibility to get him to those times.

[00:36:08]

So that's a very interesting wrinkle. I'm glad you shared that at the end. I think you look at option B, which is can you get into a place where you feel valued doing the same work of being a mechanical engineer? You got tremendous experience. I would at least look at that because you're not committing to that genie. You're just going to look and you're going to see, does that give me the flexibility that I need? So that's the caveat.

[00:36:30]

So, yes, I look at B, first option B, finding another place, a better place where I can make more money and a more valued, but that we've got to come up with a plan if they don't give you that convenience, that helps you with your son's stuff. And so either somebody else would have to come in and step in or you have to stay where you are and get that side gig for that extra money until you're ready to walk.

[00:36:55]

So I think you've got two really good options. I look for B first, but I'm OK with A John because I know it's short term and it's giving me the flexibility. I can get the extra money from the side gig, but I'm still taking care of my kiddos.

[00:37:09]

Ginny, you mentioned that after your baby was born is when you started feeling undervalued and underappreciated. What changed at work? What are they, coworkers left, which he really thought he was a pain when he was there, but I think he made the interactions with him, made me feel more value. I also found out what some of my male coworkers were making compared to that, what I was thinking. Right. Yeah. And I had this baby at home while I was there that I could either that I could be at home with or I could be there.

[00:37:48]

And I want to make sure that my time away from them, I'm getting the most for them if I am going to be away from them.

[00:37:54]

Yeah, I think you got some great options here, Jeannie. But I will say this.

[00:37:58]

This is I'm glad John asked that question, because I think that if if you weren't kind of relying on that difficult co-worker to make you feel valuable and you didn't know what your male co-workers were making, I wonder if you'd still enjoy the work of being a mechanical engineer. My homework assignment for you is to say if those things had not happened, would I still love the work of being an engineer? Now, if the answer is no, I still my heart is telling me to go the direction of financial advising, then fantastic.

[00:38:26]

But don't fully commit to that until you really take those two negatives there that really tainted your view of where you work. I want to figure out, do you love the work? And if we change the location, change the circumstances, it gets better. All right. I want to thank our producer, James Childs, our associate producer, Kelly Daniel, my co-worker, my friend, my colleague, Dr. John Boloney. And most importantly, we want to thank you, America.

[00:38:50]

Thanks for hanging out with us. This is The Dave Ramsey Show.

[00:39:07]

Hey, it's Kelly, associate producer and phone screener for The Dave Ramsey Show. This episode is over, but if you heard about an event, product or service, it didn't have a chance to write it down. Don't worry. We list everything you've heard about during this episode in the podcast, Shout Outs or head to Dave Ramsey dot com. Thanks for listening.

[00:39:24]

Hey, if you've got questions about retirement investing or becoming an everyday millionaire, go bigger and broader with my man Chris Hogan on the Chris Hogan Show. I am excited to be able to talk to you all week in and week out. We're going to focus on your calls and it's going to focus on building wealth investing and how to become an everyday millionaire. Subscribe to the Chris Hogan Show wherever you listen to podcast.

[00:39:47]

Hey, it's James, producer of The Dave Ramsey Show. This episode is over, but check the episode notes for links to products and services you've heard about during this episode. Thanks for listening.