Hey, guys, before we get to today's show, I want to remind you not to miss our first ever smart conference livestream on November 7th. All the Ramsey personalities help you in all areas of your life. Get your tickets at Dave Ramsey Dotcom. Use the promo code podcast and.

Live from the headquarters of Ramsey Solutions, broadcasting from the Dollars Car Rental Studios, it's the Dave Ramsey Show where debt is dumb. Cash is king and the paid off the mortgage has taken the place of the BMW as the status symbol of choice. Ken Coleman Ramsey personality is my co-host today. Here on the air, open phones at eight eight two five five two two five. Travis is going to start us off this hour. Lake of the Ozarks. Hi, Travis.

How are you? Wonderful. How are you? Better than I deserve. How can we help?

Well, just kind of looking for maybe some insight, suggestions, maybe some books to offer up in the restaurant business. For about 16, 17 years now since I was 16 years old, started as a work my way up on our own two restaurants with my partners just kind of hitting the wall where I'm just starting to hit, you know, with employees and just getting burnt out and just kind of in that just hard to deal with all the all the extra stuff, I guess, you know, are you the manager or the owner of the restaurant?

I'm sorry? Are you the manager of the restaurant? The owner? Both.

Oh, so I had a part owner of two of two of our oh, two of our stores and then I managed the one.

So hiring goof goof off people that are driving you crazy. Driving you crazy.

Yeah, yeah, yeah. That's, that's a good that's a good part of it.

So what specifically first of all, I'm going to walk you through this second. But burnout is nothing more than a symptom. It's a feeling it's real, the emotions and some of the physical play offs here. But it's not a sauce. It's not. It's just a symptom. So what what specifically is your question or what is causing you the greatest soul sucking experience in your current role?

I guess just the just the employee side. I mean, I get applications not having the I'm not getting the help for that. I mean, when we are busy, it's, you know, everybody shorthanded. We you know, we've got people that are working fourteen, fifteen hours a day because we don't have the extra help. And, you know, it's you know, I hate putting my employees through that. And so then I start to get down on myself, you know, what do I need to do better to to get to get them some help, I guess.

Right.

So really, you are you are overwhelmed. Your team is overwhelmed and just kind of just keeps cycling in and out you go. I can't do this much longer.

That's what you're feeling. Yes. Right. And so your biggest problem is not being able to find people who you can actually hire, is that right?

Yeah. Yeah. I mean, in every sense of the whole unemployment, you know, fiasco, I mean, it's I mean, there was a point at, you know, for four months where we didn't have an applicant over 16, 17 years old. Yeah. I mean, it was just all dried up pretty much. It was just stupid. But federal government program that's over now. Terrible. Yeah, that's over now, right. Yeah.

Yeah.

So is the issue. You don't feel you're finding the quality of candidates or there are no candidates, just no candidate.

I mean we've you Sacajawea use indeed. We use Facebook, we use I mean we've exhausted all of our you know, we have pay. We've, you know, tried to go through all of all the things that we thought would, you know, kind of stir some up, you know, stir up and talk. But I just really haven't had any success yet.

That's very interesting because I find it I mean, it's not that I don't believe you, but I'm having a hard time understanding if the unemployment, because that was a pure incentive not to work for sure.

But if that is gone, I'm curious to know why there's a lack of warm bodies that need some cash down to a seven percent unemployment rate.

Yeah, overall. OK, so let's back up to this. All right.

I face the same thing many years ago in our place here because, I mean, we're getting people out of debt. That's not exactly a small market. Right?

You know, it's like trying to catch a freaking tidal wave with a teacup around here half the time. And that's what's.

So you're overwhelmed. You're we were understaffed perpetually for a decade. We're not overstaffed now. We're not we don't have any by killing themselves because of lack of staff. But I experienced the same sense of what you're doing. And so I did a couple of things that began to fix that.

One was I raised our prices so that we had more money to pay better.

OK, and I don't know what your price point is in this restaurant, but raise your prices, OK?

And and offer more money, you know, not just competitive, but more than the competitors for similar jobs. The second thing I did was I I decided this is my main problem. This hiring problem is my main problem. And me and two or three of the leaders dove on that ball and said, we're going to work on hiring until we fix it. We're going to hire recruiters. We're going to do everything.

We started paying a referral, which we still pay, because if you if you've got good people on your team, you know, they run around with good people, usually good people.

And so I pay 500 bucks referral, if you refer your friend in here and we hire them and they stay 90 days, OK? And we also tell them, don't refer your crazy friends. I don't need the problem. And you don't want to work with them. Right. I only refer your thoroughbred friends, not your donkey friends.

And I'll give you 500 bucks. And you know, and you know, Altec, we had a real tech shortage. We were paying and we still do pay on some tech positions, a 2000 dollar referral. You know what we created 64 percent of the people that we hired last year came from internal referrals. Wow. My team became my greatest recruiter.

What are the positions that you need most? Is it waitstaff, kitchen staff? What is it?

No, the kitchen staff will go on the wait staff just the way the waitress. Waiting, waiting.

Is this a fine dining restaurant? A quick service restaurant?

Well, I'm curious because you said so there you like. The only people applying are 16, 17 year olds. You know, listen, I don't know why I don't know why you aren't open to 16 and 17 year olds, because this is leadership.

You can train them. You can you can fly.

That's my main I mean, I enjoy working with with with the kids and and seeing them grow and going into positions and stuff. It's just getting them. I mean, we we do 100 hundred dollars, you know, they lost 30 days. We give them a hundred bucks for the referral program. And I tell you, bring your six people pay six bucks, you know, and yeah, I think you're on to something there.

So anyway, what I did to answer your question, the way I solved the problem was I said we've got to treat this like it's going to destroy us if we don't fix it because it's destroying you. You called and said, I'm burnt out and I own the dadgum place, you know? And so, you know, if I don't like what's going on around here, I can fix it. I own it, you know, or I can change it.

I can pay more work, less change the hours, raise the prices, you know, institute referral programs, raise the referral programs, decide that you're going to, OK, this is going to be all about training teenagers. And so you're going to be known all throughout the area like Chick fil A is as being a place to train a teenager. And then you've got another incentive for people to want to work there or whatever.

But but, you know, we fixed it and we've got a substantially better team. Oh, the last piece, spend more time hiring, but using the mirror test to hire because they fog up a mirror, you're so desperate that you put stupid but people on your team and they'll drive you crazy and the drive your customers crazy. Then you've got a farm start again. It's easier to take to slow down and don't have to do it as often. And if you want to get 16 or 17 year olds everything Dave said, yes, yes, yes, yes, yes.

But I would also get really intentional about the schools in the area, the leaders, the coaches, finding the kids that and I'm not talking sheer popularity, but high character kids who have influence in that community because kids will flock to where the cool kids and where the kids are, they'll go there. And that's the word of mouth. Is the business exactly on quick serve? Yeah. Good stuff. Good stuff. Hey, man, good question.

Hang on. I'll send you a copy of the Country Leadership Book, our number one bestseller on how we run our business here. And it'll help you own some of this. You've got a legitimate problem. I think you can solve it, though. This is the Dave Ramsey Show. I watched the mortgage rates closely with help from my friends at Churchill Mortgage, and right now is the time to see if you can get a lower interest rate for now.

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So last weekend, a lady called on the air when AOH and Anthony only on our own here and her husband had passed away. And they've been married seven years and he had never changed his beneficiary's. On his 401k or his life insurance, and so all the money after seven years of marriage and two kids was going to his parents, his mom had died leaving his father.

With all of the money that his family should have had because he didn't go and change beneficiaries on his 401k and on his life insurance and he didn't have a will.

Now, the only good part of this story is the father in law said, I'm going to give you the 200000 dollars back to his daughter in law because it's really should have been yours. This is a screw up. How am I going to do that without taxes? And so I was able to talk them through that. But you have got to get a will. Yeah. And you have to do your work.

When there's a life change, you get married, you change your beneficiaries on your 401. KS, on your life insurance policies to your freakin spouse. Come on. You get your power of attorney in place.

If you do all of these things, when things go sideways in your life and you have the horrible event of losing someone, it lessens the blow because you got one less thing to worry about, 10 less things to worry about.

And so you hear me say this all the time.

With your questions in mind about Wills, our team decided to build a quiz and the quiz gives you custom results based on if you're married or single where you live and even on the size of your estate, it helps you understand exactly what you need to do in your specific situation.

It's a free quiz, but for goodness sakes, get this stuff done. People take the quiz and find out what you need to do to protect your family and your wishes.

Text the word quiz to thirty three, seven, eight, nine will also text you back a promo code for 20 percent off on your will. That's a good deal. Quiz type, the text, the word quiz two, three three, seven, eight, nine. Our Question of the day comes from Blind's Dotcom. There are a number one online retailer of custom window coverings. You get free samples, free shipping, the new promos they run every month.

You'll save even more. Use the promo code, Ramsey to get the best possible deal. Ken, our question today's question is from Evan in Indiana.

He asks, I'm currently an office manager for a long term care facility. I pay cash to go back to school to get my health facility administrator license. My current administrator is fine with my work and school plan. However, the company that owns the facility is now saying I cannot take the courses and that I need to be here during normal business hours. The course is only six weeks and is live online due to covid. I have about ten thousand dollars in the bank that I was going to use on debt.

Should I continue with the education and live off of the ten thousand dollars or give up on the idea and try to get a partial refund? Do not even touch the ten thousand dollars other than to write the check. If you were going to use it on debt, use it on debt. Now that's going to fast forward everything else in your life. In this situation, you've got a very in a guess. I wish I had the context of a phone call here, but you've got your current leader saying they're OK, but the facility saying it's not OK and you got to be there.

So unless you can walk to another job that would replace your current income and still allow you to do this education, then what I would do is try to get a refund, explain the situation to the online education provider and say, hey, can I get credit for this and then refund or not have to pay the rest until I can get a different situation or maybe get the partial refund and maybe a credit. And at this point now I'm going to have to find another opportunity because you can't put your income, your livelihood at risk just because you want to get qualified to do something else.

And so you've got to make some decisions here.

And I think at first pass, I'd say pause and let's see if we can find another online program that I can do after work hours.

Yeah. Or, you know, talk to the administrator. And if they don't want to give you a refund, say, can you help me by making it on demand is still alive and then you do it at night. That's right. But basically if I understand this right, I have about 10k in the bank was going to use it on debt. Should I continue with education and live off the 10k, meaning quit my job. Yeah. No, that's what I'm really not.

I quit my job and live off the 10k in order just to finish this. To do what? To go back and get the same job, you know, with this after you did this routine. Now that's not worth it.

And so I, I think this is a don't don't create a. Bigger problem, you know, the temporary access to the education and and lining that up with your work, that's a temporary problem. You create a permanent problem when you quit your job, because when you run the 10K, you might not have a job still. And so it's it's kind of crazy. So now I'm with you. Can I think I think you stay in the job and you try to work this out with the existing educator and or even the facilities manager, maybe you can talk to them and say, hey, look, how can I how can I make this up just during the short period time?

Because I don't want to lose this. Ten thousand dollar.

You know, one thing I didn't think of until you just said that maybe you go, look, I understand that during work hours I need to be at work. I've already committed this. My my leader my direct leader was fine with it. I understand that you're not. But we've got a communication breakdown here. I don't want to lose my money. I want to get this qualification, be able to move up the ladder and eventually be a facility administrator.

So can we work out a situation where I give you the time back? Can I continue the course? And if you know and then figure out, I mean, honest people and reasonable people can come up with a solution to something like this. A agreed. Absolutely. Well done. Good stuff. Open phones at eight eight two five five two two five. Ken Coleman Ramsey personality is my co-host. Nathan is in Dallas. Hi, Nathan.

How are you? I'm doing well. How are you doing? Better than I deserve. How can we help?

So I'm an eighteen year old sophomore out of Dallas and I have about twenty fifteen to twenty K in cash and then I have one hundred stocks and I just don't know what to do with that money because I was I kind of made a gamble with the stock after I had made my money back that I put into the market and it paid off really well. I only put them in and I ended up with on your and I just don't know what to do with that money.

I was looking at real estate, but I'm scared that I'm going to lose that money. I have no debt, so. OK, are you going to school? Yeah, I'm a sophomore in university right now. Oh, and you're a sophomore in high school, OK, and you're paying for that. I got I only had to pay about five came tuition, most of it with scholarships, and then remembered something about Timkin. Well done. Well done.

Are you working as well through school? No, I have a kind of podcast, YouTube channel that I've been earning money on. And so that's where I got that. When you cash, I made roughly forty five K last year and I saved about 50 percent of it because I just don't know what to do other than save money. I'm just not very financially literate.

Well I don't think that's true. I think you're highly unusually financially literate for someone your age and you're making really good money.

You've got one hundred thousand dollars. I don't get this call very often from college sophomores. OK, so I think you've done very, very well. The only thing I would correct in the whole process is I think you are right when you use the word gamble.

I took a gamble on a stock and you got an unusually high, wonderful return. But that's not the norm. The normal person that plays single stocks does not make high and unusual returns.

So you did you got lucky on that part of it.

And if I'm in your shoes, I'm not going to leave all that at risk. In other words, you'd walked by with a quarter and for fun, dropped it in the slot machine and they went, ding, ding, ding, ding, ding, ding.

Maybe maybe you don't stand and put all the quarters back in. You go cash them in and put the money in the bank and you finish school. I mean, you know, are in a calm investment, like a mutual fund or something like that. But I'm not going to tell you to continue to play the stocks because I don't play them. And I know more about them than you do and I know enough about them to know that I don't play them.

So I invest long term. I don't do day trading. I don't do trying to make turn twenty five thousand into one hundred thousand.

I don't do that because I don't find people that are wealthy people doing that continually because it eventually catches up with you and you're gonna turn two hundred thousand into five thousand. And so yeah, you've done very well. Congratulations, but you could be the guy who dropped a quarter in and thinks this happens all the time. Don't be that guy. This is the Dave Ramsey Show. Business leaders, how are you communicating with your customers? Do you know that 97 percent of text messages get opened and 90 percent are opened in less than three minutes?

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Ken Coleman, Remzi personality, is my co-host today here on The Dave Ramsey Show. Thank you for joining us. Open phones at eight eight to five five two two five.

Alex is with us in Seattle, Washington. Hi, Alex.

How are you? Hey, Dave.

Doing OK? OK, I guess. Don't be mad. But so I sold my house and I used the money to fly through the baby steps. And I'm kind of worried because I used it also to get through my emergency fund and I had enough to cover a single payment on a new house. It just feels kind of dirty, like I'm borrowing borrowing against my house right now.

Come on, man.

It's exactly what I told you to do. Really? Yeah, I would tell you not to buy a house unless you were debt free and had your emergency fund, so if you cash out of house number one, the first thing you can do is clear your debt, put your emergency fund in place and whatever is left over your down payment on your new house. You're right.

The net effect is, as you did, borrow it against the new house. But that's still what I would have told you to do as long as the new house is 15 year fixed and the payments no more than a fourth of your take home pay were on the same page here. It is can I ask a second question? Sure. The new house was appraised at 50000 under. The listing value, and I can't tell if I'm getting a good deal or if I'm about to get hosed.

Did you close on it? I'm super close to that happening, OK? All right. I thought you had already bought it the way you were talking a minute ago. OK, so, I mean, so what's the price of the house? Well, in a that's at three twenty three. My buying place was originally going to be 332.

OK, so this is four percent. That was quick and appraisal is. An opinion of value. I dare say in today's covid world that an appraiser can hit it within four percent. It's a little bit arrogant of the appraiser, honestly, to not appraiser for contact contract value when it's within that area. But some appraisers think they're Barney Fife and they, like, actually know the real value. It's an opinion, a value based on a comparative market analysis approach.

I've got a degree in real estate in order to appraisals. So, Art, I argue with appraisers all the time. They really act like I have this figured out. It's you know, I had a guy argue with me over 500 bucks one time, you know, a 240 2005 or 240, 2000, like, you know, within 500 bucks what this house is worth. You're an idiot. This is me and the appraiser yelling at him.

It's just ridiculous.

So I would buy the house. No, you're not getting hosed. If you call me up, you go. You're 35 percent over something. Yeah. You might be getting hosed. Your emotions may have got the best of you, but I don't think anybody knows within four percent and a covid world what a house is worth. I don't. And I'm good at it. So I think you're fine to think you're in good shape because I to tell you, in real estate selling like crazy, Kopper's up 34 percent.

So wiring going into houses is crazy. You can't buy plywood anywhere. In the United States, lumber packages are up 126 percent on new construction. You can't find asphalt shingles to put on a house. The factories aren't producing the goods to build the new houses. And guess what that's doing to the U.S. housing market? Hot, hot, hot, hot, hot. Going to drive prices up because supply demand curve is there. Unless you live in one of these states where they're completely abandoning the entire state like California.

And even then, I talked to a guy from San Diego last night who told me that it makes no sense. People are leaving California by the droves. And yet the house, the houses are selling 10 days for full price. Still, the prices have not taken a hit yet.

And for the for the folks that are listening, David, they have never bought a home. It correct me if I'm wrong, but the appraisal in this situation, that's for the loan. That's for where he's getting a loan. They want to make sure they're not given a loan to something that that that has no value. So it's not it's not it's I don't know if the word is compensatory or whatever, but it's this just so that the loan company, the mortgage company goes, OK, this is something if something were default, we've got ourselves.

Now, isn't that really what that appraisal is about?

It's an opinion of value to let the mortgage company know that they're not over loaning on. So let's, you know, let's you know, you're not overpaying. Right.

And but it's an estimate, for God's sake, why in the mortgage company doesn't mind in that situation as long as it's on the up and up and you don't do it behind the scenes, you know, behind the scenes.

It's illegal in some states. Right. So you have to cover the cash at the closing.

And there are only going to make the loan based on the appraisal, not based on the sale price. Exactly. And so the loan is a different situation, but he's got a huge down payment. Yeah. Is what we're hearing behind the scenes on this. And so he's got plenty of wiggle room and an extra fifteen K is not that big a deal on a three hundred twenty five thousand hour deal. I wouldn't think anything about it one way or the.

Yeah.

And if you bought it for fifteen under that you wouldn't think you stole it. No. If you buy for fifty grand under that under three hundred thousand on price.

You think you stole it, you think you got a great buy.

Right. But I mean fifteen K was just, that was just negotiation one way or the other. You know, you really don't the ratio to the price is what into the value is. What, what would tell you whether you're getting hosed or whether you stole something or all those kinds of things. What are those percentages? Yeah, and that's what he's looking at. So some of you are in markets like we're in here in our county. Yeah.

You put us on the yard and there's like people lined up and drawing lotto tickets that you get to make offers. And they're making multiple offers over multiple. Hmm. Multiple. I mean, sometimes ten. Twenty percent over what I know what it's listed for. Well, over asking in order to get to the front of the line because seven offers will come in the first weekend, that kind of stuff. And so you really need like one of our good LPs, our endorsed local providers for real estate to guide you through basically what is effectively a bidding war.

And for you to do that ethically, legally, and also then get the most out of that situation, because you have this frenzy, this feeding frenzy of piranha and you want to just be careful what you're throwing into the parana.

And because there's real opportunity in a market like that to do well, but also to not maximize that and really get a bunch of people sideways with you end up in a lawsuit or something else because it wasn't handled right, because you did not have a pro in your corner.

So you need a pro in your corner when the market's hot because it's hot and, you know, prone your corner when the market's not because it's not, you know, that's how you get sold.

It's going to ask you from a real estate perspective with the obviously still historically low interest rates, it doesn't seem like the Fed's tipping their hand and and that we're going to see any kind of a spike any time soon. With the migration out of California. At some point, does that real estate market begin to soften? It has to, yeah. It can't keep it up when people start moving right along. Demand curve.

Well, and so you have prices dropping in New York as well.

You know, there's all this discussion as to whether Manhattan will ever recover.

Mm hmm. You know. It's basically a science fiction ghosttown, right, and so will it economically ever come back? Well, that's what I wanted to ask you your opinion.

So let me tell you what'll happen. This is when this is one of the few times that politics actually does matter more.

You know, we always say what happens in your house is more important to what happens in the White House. And that's true. But when you take a government and they shut down an entire state or an entire city and turn it into a science fiction movie, then, you know, then you've got policies.

You have to change politicians and open the place back up and put some common sense policies in instead of taking credit for being the world's best governor when, you know, all you did was, you know, the worst possible job in the whole thing. Right. And so it's it's not politics. It's not what it's about. It's about freedom, because business cannot operate in two situations.

Business can operate and economics cannot flourish unless there's freedom and it cannot operate and flourish unless there is a predictable moral code.

And so we've had two things slam businesses shut, you know, downtown Seattle, downtown Minneapolis, downtown Portland, businesses are leaving because they don't have a predictable moral code, law and order, order, as opposed to chaos law as opposed to lawlessness.

And so business has to have a predictable environment. We had a smart conference scheduled downtown Minneapolis.

I can't do a smart conference there because I can't predict that my people that I invite there as my guests are not going to get into some kind of sideways, disastrous mess up there because of the way they're managing the city. And so you lose the economics when you don't have a predictable moral code and you don't have freedom to operate. And so these cities are going to suffer from this. And that is driven by policy. And the way you change policies, you change those politicians, they should be changed regularly, like diapers and for the same reasons.

This is the Dave Ramsey Show.

The. Be. Our Scripture of the Day, Proverbs two six for the Lord gives wisdom from his mouth comes knowledge and understanding. John Nesbitt said, We are drowning in information, but starved for knowledge. Who gets a Google Generation quote? Very good.

Ken Coleman Ramsey personality is my co-host today. Open phones at eight eight two five five two two five Instagram. Corie says, Ken, I've always heard it's easier to find a job when you have a job. I think that's total baloney.

How do you keep her? How how do you how do I keep encouraged when job hunting?

I very much want to find a new job, but every leader interview I've had has been a dud. How do I find out what I might be doing wrong?

Well, that's a tough question, because what we know is that we are in a generation where there are so many candidates in the interview process is very digital in that you get to the interview and then the feedback is pretty much contained to an email.

Either we're going to have you back or we chose somebody else. It's very hard for individuals to get feedback from the people that are interviewing you. And so instead of looking at almost an impossible place to find feedback, I want you to go to Ken Coleman Dotcom. We get a free resource called How to Win the Interview. And it's really broken down into two key areas that I'm going to teach you what to do so you can win. The first is the preparation for the interview.

The second area is the performance of the interview. And there is a tried and true process, which I teach you how to do. And it's free, simple to simple and easy to understand and then actually apply. And I would start with that. And then the other thing is, is to stay encouraged in the job hunting process overall is that this is a hunt. And I love the word hunt here. And in all my friends and my my dad, my brother, all these hunters, you know, part of the hunt is I got to get out there.

I got to keep showing up. I got to be patient and wait. And I've got information. I know where to go. I know if I keep showing up eventually that animal that I'm hunting is going to show up. And it's very much the same mindset. You cannot get discouraged. You get determined. So go to Ken Coleman Dotcom, get the how to win the interview guide. I'm going to give you a step by step the process that will prepare you and then you will be able to perform.

Dave, you know, one of the things that you and I and all of our arms personalities and all of our team, we do a lot of public speaking.

We do live radio shows that I've learned that relentless preparation leads to reflexive performance. We see this in football, these two minute drills, these how do these quarterbacks lead a team from the ninety, you know, ninety nine yards, you know, from the goal line all the way down in a minute and a half. Well, they've practiced that two minute drill over and over and over and over again. They've watched film over and over again and they've prepared and they prepared and they've prepared and at the time when they need to step up and a job interview is a pressure filled situation.

Your brain is a supercomputer. If you prepare it, it will perform.

Let me ask you this. I'm curious what your take on this is. I read a book by Steve Milloy when I was twenty, I was I was 17 years old. Seventeen years old that my dad gave me because I was getting my real estate license. I got my real estate license three weeks after I turned 18. And this is 1978 called Dress for Success. Yes. And his the book was all about a white shirt, a tie, a blue, dark blue or black blazer and matching suit.

Do not try to make a fashion statement. Do not try to make a personal brand statement. Now, today, that would be ridiculous. This is basically saying dress like men in black. Right. And you know, Will Smith on, you know, with the pug talking pug write the whole thing. So but but today might not have a tie.

I don't own a tie now, but but the idea that you dress in such a way that it does not draw attention to your dress. In other words, you're professional, but they don't think, oh, they're overdressed. They're crazy. What are they what were they thinking with that? The interviewer and or you don't you don't overplay it. But you also don't do some wacky thing where you come in dressed like you're interviewing for a punk rock band and you're going to a bank because all they're going to do is go, you're so confused, you can't work here.

Well, people shouldn't judge. You know, people do judge. Yeah, I'm tired of hearing that. Don't judge a book by its cover.

Well, yeah, we do. We do. We do a lot of work on the book covers.

Yeah. You might as well say, you know, don't be a human, but some barns need paint. Yeah. Here's what here's what surveys show that hiring managers have a first impression of you within the first five seconds of you entering their office or whatever the conference room is. So when you walk in, whether you like it or not, the human instinct is going to prevail, not over some. Army, you know, feel good statement. Fact is, people do judge you instantly and to your point, you don't want to draw attention to yourself for being outlandish and therefore shoot yourself in the foot before the interview ever gets going.

You want to do the research? What is the dress code at Ramsey Solutions? What do people wear then? Come up and show up and look like if you were walked through the halls, we would think you were on the team. Very simple dress to the level. But then there's also the idea of of, you know, if you don't have an iron, guys get an iron, have somebody show you how to iron your pants for crying out loud.

If you look like you slept in your clothes, it's not a good idea. You might be a very sharp candidate who just nobody's ever had the the sense or the desire or the duty to teach you how to look, you know, tuck your shirt and wear a belt, you know, you know, look like you actually give a crud. And and that will essentially, as you say, Dave, it will allow you to just blend in there, not even think anything negative at all.

Now they're focused on you, the candidate, but so many people shoot themselves in the foot, you know, before the interview even uttered a word and they think bad things about you.

And now you got an uphill climb. Yeah, at best. Yeah. And here's and you may not ever get out of the hole you dug just by walking into the room. So actually a little bit of posture. Yes, a little bit of a smile.

Eye contact handshake. High contact. Yeah. But I mean it's basic social skills. Will college. Let me just tell you from from the standpoint of the interviews that we do here, if you just do the stuff we've been talking about, you really do how you just meet a whole bunch of the competition, you know, because they came in looking like they slept in their clothes. Looks like they're interviewing for a punk rock band. Right. And they come in with looking down and brush their teeth.

They got B.O. and, you know, the interview is over, you know, before it started.

That's right. Well, you know, can what does it matter? I'm not very stylish. No, listen, if you wear dirty shoes to an interview or the tips of your leather shoes look like, you know, somebody took a cheese grater to him, it sends a message that you just don't pay attention to detail and you don't care. And great organizations are going, do you care enough to show up and put out a good first impression? And I think that's that's that's a huge thing.

I would also tell you this, that body language, if you actually do a little bit study in that, how to in the interview guy, did we actually give him some basic 101 body language tips on how to overcome the nerves? Because it is a for many people, the job interview is the most pressure filled, anxiety ridden performance that many will ever have. And so you've got to understand, what do I do to overcome the nerves, you and I?

Dave, first time we spoke in front of thousands of people, there's some nerves there. Well, guess what? If you prepare your talk and you know where you're going to go and you've prepared for the questions that you're going to get asked, you have a good idea why you want to work there and you're prepared for this and you've thought about it ahead of time. Again, your brain will step up and it will fill your mouth when you need to.

And you and you lean forward, you smile, you nod, ask some questions in the interview. And Dave, my pet peeve all time pet peeve.

One of my guys asked me I did a twenty five minute talk to Stop Making Money More. Yeah. And he said, how long did you prepare for that. Twenty five minute talk Monday morning. I said, thirty five years. It's exactly right.

That's exactly right. But you know, one of the things that people don't know in a job interview, Dave, it'll set him apart is when somebody says to you at the end of the interview or somewhere in the interview, do you have any questions for me?

And if you go, no, I'm good. No, you're not. Have some questions ready to ask. The interviewer asked him some questions. What kind of person typically wins at Ramsey Solutions? What kind of person? It's going to get shown the door pretty quickly. What do you love most about the culture at this place? Come up. But we have examples like this in that how to win the interview. But when you get the opportunity to speak in an interview and most of the time you will please have a question or two ready to go, you wouldn't believe how that will set you apart from your competition because you had the foresight to think of me the most important person that would you be completely star struck with.

How would you act? How would you do you get ready? You don't go running up and go really love, really love your show. And it's the wrong show, you know, it's like that. Yeah. That kind of stuff can come. Good stuff. The book, The Interview Guide is a Ken Coleman dotcom. Pick it up. James Childs, thanks for the show today. Kelly, Daniel, great job. We'll be back with you before you know it.

In the meantime, remember, there's ultimately only one way to financial piece, and that's the walk daily with the Prince of Peace.

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