Live from the headquarters of Ramsey Solutions, broadcasting from the car rental studio. This is the Dave Ramsey Show where America hangs out to have a conversation about your life, your money, and today, especially your careers. My name is Anthony O'Neal, host of the popular YouTube show Table with Anthony O'Neal, a cohosting with me today. His number one career expert in America and even number one internationally when it comes to podcasts. And the one and only Ken Coleman, host of The Ken Coleman Show Monday through Friday on Sirius XM.

And if you would love to have a conversation about your life, your money and your careers, please give us a call at eight eight two five five two two five eight eight two five five two two five. We're going to go out to Kalamazoo and have a conversation with Michael. Michael, good afternoon. How can we help? All right, interesting, Michael. No problem at all. Thanks for calling in. How can we help? Well, currently, my first semester at university right now, and I just feel like I'm not getting anything out of it, so I'm wondering if you guys think it would be worth it to get a bachelor's degree versus getting an associate at a community college.

OK, where do you want to go?

What's the destination, the dream, or at least the ideas that you have? Well, right now, I'm working for a really great company that I really love and the kind of track is become on their sales team eventually.

And you're part time right now. If colonel, part time working remotely, whatever I can do on the computer phone, if you were to call them up or email them and say, hey, I'm thinking about dropping out of school, at least full time college to work with you guys full time, do you have a spot for me? Got more hours. What do you think they'd say? I think it's a yes, they work a lot with a community college near them for technical training, its equipment sales and service.

So I know they work with community colleges and I think they would take me on full time, pay the school part time.

And so you would go get the associate's degree while working with them and then take me 10, 15 years down the line. Ultimately, what you'd like to do. Well, I'd love to get more into a sales manager, will eventually, obviously I got to work my way up, but that would be that top there.

Well, and knows what I'm going to say. Nothing in that description of your future says you have to have a college degree. In fact, there's no college in America that I'm aware of that's going to train you to be a really great sales manager because it's all book knowledge. Right? And in order to be a good sales leader, you must first be a good salesman. And in order to be a great leader, you must be a great follower.

And the best way to learn how to lead is to follow. And I think if this company would take you full time and allow you to start making some really great money and you moved into the community college level, I know it was a big proponent of that. And I'll let him take over your money story, but yeah, I don't think it's worth the money. No, I don't. Not this situation. I don't think there's any college degree in the world that makes you a better salesperson, period.

I can agree on 90 percent there. And here's where the 10 percent is. I do believe education is important, so I don't want to say education is not important. Is it the best thing for you right now is sounding like it's not. Let me ask you this question, Micah. Have you axed your current employer? Do they offer any tuition reimbursement or college assistance?

I'm actually actively doing that right now, they're covering my entire tuition. Oh, OK. So let me ask you this question. So you're not paying a dime for it. Just hasn't. Okay, so just housing and your cash flow in at. Yeah, my dad was really good at saving college savings when I saw the question right now.

So let me jump in here. The question, is the degree worth it? It's not about the money because the money's not the issue. The question is, is it worth your time?

That's what you're asking. Yeah, that's why I'm looking at an associate that would be more accelerated versus the four years of bachelors. I mean, I think you have to answer that question because I can't answer. I don't know if you can answer. Oh, no, I answered it. Well, I mean, what we told him what I think. Well, when it comes to the money part. Yes. Not a tiny part. It's not worth the time either.

I mean, this is where we can would probably be like, hey, that's OK. That's OK. That's OK. Because if you're getting it for free, you're not racking up any debt.

If this can actually accelerate your experience within a company, not just sales. Because I agree with Canon apart, you know, they can't teach how to be a better salesperson. But if we can accelerate you from getting to a higher position and you got it for free, I'm for it. But if it's not going to give you any real irony at all, no, it is not worth your time. But if there is a small r.i up to a medium r.i on it and it didn't cost you a dime to get it, then I would consider that process.

Coz you don't know where you're going to get where you will be in the next 10 years, and that's that's why I'm saying think about your future and Ken is very big on that. Think about where you want to go if you know you want to stay in that position with that company for the rest of your life at your age right now. And then, you know, I'm going to lean with Ken, but if you can get a degree with no debt at all, I'm a fan of education.

I am a hold on. All right. First of all, I, I, I think education is awesome. Yeah. But I'm a guy who looks at it pure. Pure. Education could be a certification. Education could be a sales program. That company puts him through.

Education in my world means knowledge, right? Not a degree. So I am. Let me just tell everybody who's wondering and I know you did not misrepresent me yet because, by the way, your answer you should run for Congress that was very political is a wonderful answer.

And it was a great answer. You covered all you gave you. Listen, I'm going to tell you what I think. And what I think is, is that education is about knowledge. And I don't care where you get it.

And I've met some of the great tradesmen who never darken the door of a college, but they got tons of education. Let's talk about early America killing our big history nuts. Kelly, Kelly, come on. You know where I'm going early. America was all about apprenticeship. You were 14 and you barely did six six seventh grade somewhere in that range. If you can kind of compare it to where we are now. And then you went and work with your daddy or you went to work for some guy and you lived above the shop and you got all kinds of education.

It wasn't book education. That's all I'm saying.

So don't buy him any hate mail. No, I'm not anti education, by the way. I won't read your mail anyway, so save yourself the time. But I'ma keep it real, folks, because education is about knowledge where you get the knowledge. I'm always going to tell you go to the right place, the best place. I'm very consistent on this.

No Inken Komy you really are. I hope I didn't confuse them.

No, you did not. You're you're one of my closest friends. I'm sorry. You gave a very good answer. I defer. You're not wrong by the way.

OK, I can't say that you said anything. Well I'm simply saying I just think if it's a waste of time, it's a waste of time to me. I'm not impressed with your degree. Even if the company pays for it. I want to get there fast. That's what I'm saying.

I love doing this. You know what I'm saying? This is a blast. This young man is getting his college education paid for. I agree.

And if the Arawa is small or medium, I thought you made a wonderful point. I think you're right.

I'm just going get me to the job. I've done practice and I'm ready to play. Oh, man.

This is why we love doing the show together. Can and because we just have I mean, we just keep it one hundred.

You're right. You gave tremendous. I've only a very good answer. Thank you. I thought so too.

That's why I said triple eight eight two five five eight five two five five two two five. This is the day.

Ramsey So give us a call. At Takeover's, we believe a great pair of cowboy boots should be comfortable right out of the box, and we believe that your hard earned dollars should go far. So we only sell direct to, you know, retail markups, just amazingly handsome Western boots for men and women. Find your takeovers, dotcom slash Ramsay and for a limited time, use promo code Ramsey to receive a free campfire mug with any purchase over 100 hundred dollars.

That's a 25 dollar value offer, valid online only while supplies last. And it ends soon. My name is Anthony Neal, cohosting with me today is the one and only Kenneth Cole right here on the Dave Ramsey Show, eight eight two five five two two five. Give us a call if you have a question. And also, if you don't have a question, they say just sitting in your office or sitting at home working from home, you just want to hear a good show.

I would encourage you to log on to the YouTube show and watch us. And there we have about 2000 people watching this right now live on the show, Ken.

And they've got like an ongoing chat conversation. I could see them telling you, man, you have active listeners, all active listeners. Yeah. People like Aubrey Joshua Sedney. I mean, I tend to go in there and a break just to see what everyone's saying and say hello to everyone. And so I love our YouTube world. I love our YouTube family. So if you just sitting at home one day, you just want to have a conversation with other people who are like minded.

We call them the YouTube crazies because some of them are crazy. But we enjoy their craziness because, you know, they're trying to pay off all the debt and just rock with the fan. So check us out. So give us a call. Triplette 8255 225 Rachels with this is in Warsaw. And Rachel, good afternoon. How can we help?

Hi. I was wondering if it's more Furkan about becoming a financial advisor. I feel it's my passion, but my husband and I are on different end of this and I'm not working right now. So I feel. Odd about taking money out of my my home budget to even start the process. Hmm. Well, I don't know how to earn the money for the program and should I spend that money on the program when my husband and I are not on the same page about it?

OK, so we got a lot going on there. I want to know where your husband is on this, because I know you want to become now you want to be a financial adviser like a smart investor pro, where you're helping people with their investments and retirement plans.

Or do you want to be more of a financial coach, coach, coach all the way? OK, and are you familiar? My sister. Oh, sorry. Go ahead.

No, I'm just going to ask, are you familiar with our financial coach master training here at Ramsey Solutions?

Yes, and that's what I'm saying. It's a bit expensive for me to buy it. I get it. But why is your husband not on the same page?

Is it because of the money it's going to cost to get you through that training, or is it that he thinks this is not a good idea? Well, tell me specifically where you guys are not on the same page.

He doesn't see where I'm going to make the money from. OK, he knows I enjoy budgeting, I help my sister. I've actually helped three people get out of debt just on my own because I just I love them. They needed help and I help. So is he aware of this? You know, and my sister was fifty six thousand dollars in debt. Wow. Debt free.

Is your husband aware of your contribution to these three people becoming debt free? Oh, yes, yes, does he acknowledged that you are a good catch, hold on, I'll get there. Does he acknowledge that you are good at coaching people financially? Yes, OK, so his big problem is, oh, man, we got to spend X amount of dollars for you to get this and I don't see you making any money. So he's a cynic on some level about this particular venture.

But you do also think they need to be out in the public. He doesn't want me to work from home, although I feel more comfortable being on nowadays.

Yeah, you guys got a communication problem. You do realize this, right? Oh, we do. And we talk every night.

Well, I didn't say it. I didn't say a talking problem. I said a communication problem. And I love your spirit about this.

Here's the deal. You guys are going to have to get on the same page.

This is really a marriage communication issue where you two sit down together and go, you have your wants and needs.

I've got my wants and needs. And we're talking about professional and financial. Here's what we're talking about. And you want to be a financial coach. I think he wants you to make more money. He feels like you need to be outside of the house. You guys are in disagreement there. At some point he's got to go.

All right, Rachel, I've heard you and I didn't just hear you. I listened to you. And I know what you want. And you've got to look at him and say, I need you to support me. And I think you do need to cast some vision, not because you need his permission, because I don't think you're seeking his permission. I just think you want his blessing in his buy in. And I think that's really good marriage practice.

And so and so what I would tell you is you need to cast a vision. You need to explain to him. You need to get on the phone with our financial coach. Folks, again, tell him you called in to the Dave Ramsey Show. You talked to Ken. And I know those guys over there. We're all teammates and say, hey, will you help me?

I need some facts. Give me an idea how long it would take for me to make a certain amount of money, how I can grow that business if I take the training and you guys coach me, you need some facts to be able to go back to your hubs and say, here's how much money I actually can make doing something that I love.

And if you pressure me, Hobbs, to go work in some job outside of the house that I don't want to do, you're not making any money now as it is. So show him how you're going to bring in more income and do what you love and make your collective life better and just ask for his support. But you got to show him some evidence and show him some passion and enthusiasm to where he figures it out.

I better get on board or I'm sleeping on the couch.

That's what I think. Oh, man. Thanks for calling in, Rachel. I think you when you got up married couple like this that are on the same page, the only way to get on the same page is to sit down. Both of you share what you both want and one of you is not feeling emotionally safe when you're disagreeing. Both of you got to feel emotionally safe to be able to sit down and go.

We both have our individual lives, but we're living them together and we're in partnership. But you got to communicate this stuff. Yeah. Yeah.

You got to have a real good communication. I'm looking forward to that part when I get married. Ashley.

No, I'm not going out to Indianapolis. We have a conversation with Riley. Riley, good afternoon. How can we help? All right, we'll come back to that, Kelly is telling me to hold on. All right. We're going to go out to Jackson, may have a conversation with Dennis. Dennis, good afternoon. How can we help? Hey, thank you for taking my call. No comment on that, how can we help? So I have a lot of different plans from my savings.

I've got basically what I've done is I'll take 100 percent of all the income, I take it down to 10 percent for charity, 100 percent. And then I've got. Fifty percent for my. A different savings in some spending stuff he wants and needs. 40 percent. OK, where are you paying your bills, and was it were you paying your bills? I'm actually 18. Oh, I'm still living my parents house. Wow. OK, way to go.

Yes, I'm liking this now. OK, he did sound like he's about 35. Yeah. I was like, well, his voice sound kind of deep.

He ain't paying no bills. All right. So you're 18 years old. Forty percent is going towards your wants and needs. OK. All right. So how much are you making right now?

I'm kind of in like a part time position, I work for the congregations, their churches. Yeah. So I'm I'm working with church members.

So how much would you say on how quickly you make them on? Quickly, about, I won't say 100 to 200 dollars a week, OK? OK, all right. All right, cool.

So anyway, that's about ninety dollars. Yeah. All right, cool.

So what's your question? Are we about to go to a break when I help you out here? So my question really is, is should have should I have a lot of different funds to put money into? Should have really primary ones. Well, here's the thing, Dennis, you're already doing great, you know, you're giving 10 percent back to your local church and to charity, you're saving 50 percent of your income. I will go ahead and just part then to a savings account.

And then also what I would do is and you're living off of 40 percent at your age bracket, the main thing you should be doing is saving towards college, saving towards purchasing a car if you haven't purchased a car. And just honestly, just making sure that you can go and do whatever you going to do, whether that's college, whether that's trade school, whether that's entrepreneurship, whatever that is. I really want you to focus on that and make sure that you can cash through that process.

But there's nothing wrong here at 18 years old living off of 40 percent of your income. This means that you're wise, that you're smart and you're a good steward of the resources. So keep that up. And I'm proud of you, man. Anything there?

I think this young man is on his way, depending on his vision. I would be funding that vision. Absolutely, man. This is The Dave Ramsey Show. Yes, folks, mortgage rates are really low, and while that's great news, watch out for mortgage lenders with a slick pitch claiming they have the lowest rates.

Those deals often come with bad advice and hidden fees instead. I want you to call Churchill Mortgage to buy a new home or refinance because they think, like I do call today, triple eight, loan 200 or Churchill Mortgage Dotcom.

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Welcome back, America. You're joining the Dave Ramsey Show and Ramsey personality Ken Coleman, joined by Ramsey personality Anthony O'Neal. The showers. We take your questions and we're going to go to the blind dotcom question of the Day. Find out for yourself why blintz. Dotcom is the number one online online retailer of custom window coverage. You get 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.

Rules and restrictions apply. Today's question from Christy in Alabama. I am considering a job change, but I want to make sure that I'm making a good financial decision. I'm single and responsible for everything on my own. I currently have a job. I love bringing in a good salary, plus company sponsored benefits, a 401k match, as well as a 10 percent annual STI. My company also gives healthy annual raises. I'm being recruited for a similar position at a smaller company where my base salary would increase by 50 percent.

But they do not provide benefits or a 401k match. Am I crazy to consider leaving the stability and benefits of my current position for a large increase in base pay? Are there any things besides insurance and retirement that I should be thinking of?

You know, can I thought this was my question.

This is actually you and you too.

Yeah. I mean, there's a financial play here. Yeah, go ahead. I'll weigh in.

Crazy. I'm not going to go to that extreme and say you're crazy, but I will be questioning why, you know. Yeah. You're going to 50 percent. But then also that's not really 50 percent. Probably going to go up 20 percent because it's going to cost you a lot of money to get health insurance and then you're missing out on a company match. And so I'm not a big fan of saying stay somewhere because someone else is going just because of the benefits.

But I'm not I'm not a big fan. I'd say leave so you can get more money. Like you got to make the smart move and way out. Look at all the options on paper and write down the math verbatim. OK, this is where I'm going to be at if I stay here income wise, this is where I'm going to be at when I go out and pay for health insurance, when I'm missing out on four one K matches and see which one is the best thing on paper and then whatever's the best financial thing on paper.

That's what I would say from a money perspective. But then, Ken, you're very big on saying, hey, it's not just about money, it's also about your passion and your desires and stuff like that.

Yeah, I think you laid it out beautifully. I would say the same thing financially. You got to look at these. Look at these side by side. So your cost on your benefits, if you pay for it yourself, you've got to look at that and compare the two with the fifty percent increase and see where do you stand when it's apples to apples and compare. However, I can tell you that an increase of fifty percent of your pay is going to allow you to cover the cost of your insurance benefits and you can invest your own money.

You don't have to rely on a 401k match. So without even seeing the numbers, I can just tell you you're going to be OK and you're still going to come ahead. But I want you to still look at both. Now, with all that being said, the last piece of this is you've got to look at the ladder. That this new opportunity is creating for you, are you going to be on a better ladder? Oh, what I mean by Ladder is in this company, this other this new opportunity will allow you to climb the ladder you want to be on and get you to the dream job.

Is it going to get you there faster, more efficiently, or does the the current job, while it doesn't pay you 50 percent more, does it have you on a better ladder? Yeah. So you got to look at both of these. So same comparison answer that you gave financially. You've got to do the same professionally, which opportunity puts me further down the path that I want to be on to step into that dream job. That's the holistic way you look at this.

And then it's going to be very clear, A or B, beautiful.

Riley is with us in Indianapolis. Good afternoon, Riley. How can I can and I hope. So my husband and I have been cranking out on our debt snowball since the beginning of this year and we've paid about sixty five thousand dollars off off so we don't go. Oh, thank you. My so my husband is a dentist and he's currently in a practice with three other dentists and he's bringing presented the opportunity to purchase a quarter of this practice. This will more than triple his income, but it also comes at a price tag of approximately six hundred thousand dollars.

So I kind of need some clarification as to I feel a little overwhelmed because I know how much how hard we've worked these past 10 months. But I know that I mean, he's going to it's going to bump up his income so much that, yes, it would cover it.

But is it worth it now? I like talking to from the career perspective, how much debt do you all have left to pay? So other than our health, we just have a student loan, which is the NEMATI, it's about three hundred seventy five thousand dollars. OK. All right.

So how much is he making the year? I'm curious. Currently, it's about 120000 dollars. OK, 120. All right, so listen here, I'm going to put the math on the table, all right? You're 300000 dollars in debt. You don't have 600000 dollars. Technically, you need a million right now because what you need to do is pay off the 300000 dollars and then pay 600000 jobs by that. So right now, what you're saying is how much you think about this.

You're asking, is it OK for us to be in nearly a million dollars worth of debt making 120000? Well, mind you, Anthony, he'll go from 120 to about 300000 dollars with the million dollars in debt with life expenses. So my respectful answer to him and to you is, no, that's not a good opportunity right now. I'm not saying it's not a good opportunity. When you're debt free and you have the cash to go and do that, then it will be a great opportunity.

But to have a million dollars in debt, that is not even your mortgage actually go there. You used to have your mortgage. So you guys are over a million dollars in debt. Now, that's going to add stress onto this family that just do not want, you know, so I want you to really focus on becoming debt free, paying off all of his debt. And I know he's going to miss out on his opportunity today, but we don't know if if the partners say, hey, you know, we'll give you five years, we'll give you six years down the road.

But it's not a good opportunity to me.

Say no to the goods saving us time. Yeah, but this is they are giving us time. Yes. Yeah.

Riley, listen to me. This is a gigantic. No, no, no, no, no, no, no.

Let me play this out because I want you to take this back to your hubs and the good news. You can watch our answer on YouTube. I want the hubs to watch this. I'm talking to him right now in the camera. OK, Riley, how much longer before you pay off the student loan? What's the payoff date? So why haven't calculated that exactly? But I would estimate that it'll take us about three more years, three more years, and then how much do you own your home?

We currently owe to 60, OK, the 375 you said that's what it is. Is that right? That I remember that correctly. The debt. Oh, yes, yes, that's that you have to attack that. Yeah, and here's what he needs to understand, right? I get it. You're doing great. You're doing great. 65000 or 6000 all those years. Fantastic. You need to be celebrating. Listen to me. He's not missing out on an opportunity right now.

He is. He is avoiding a mirage. Yeah. That is full of quicksand. Remember, those silly cartoons were, you know, Bugs Bunny or Daffy Duck. They'd see this beautiful scene out there and and they'd go running for it. And they get there. And it looks like a wonderful oasis. And then they get there and it's a mirage. That's what this is. He needs to say no to this because here's the deal. Most dentists are in big time debt and trouble and he can run this path out, making good money, 120 grand, pay off the student loan, and then you guys attack your house.

And there's going to be a time in the future where he can start his own practice or buy into a situation.

And you guys could do it cash and he can live and work like no one else. He needs to say no to this. This is not even a good opportunity. This is a mirage. It's not real.

No, no, no, no, no. And here's the temptation eho that reiling, her husband and many people here feel they see a great opportunity.

I can make more money, get equity. No, it's not worth the cost. That opportunity is going to be there over and over again.

The opportunity is going to be there for him to step in and maybe buy a failing dentist practice because they're in debt over their head. So that's that's our take, man. Ken, I love doing so. Thanks for the feeling is mutual. This is fund, which is helping people avoid nightmares.

This is what we do right here with the Dave Ramsey Show. Our scripture today comes from I say chapter 40, verse 30 says, but they who wait for the Lord shall we knew their strength. They show mount up with wings like eagles. They shall run and not be weary. They shall walk and not faint on. Palmer says always make a total effort even when the odds are against you. Natalia is with us in West Palm Beach, Florida.

Natalia, how can we help? Hey, guys, thank you so much for taking my call. Yeah, my husband and I were trying to figure out whether or not we should move out of my mom's house or whether or not we should continue living with her. We both have a daughter right now and we're expecting another one in February. And we kind of just want our own space. But at the same time, we're ready to tackle on the debt that we have.

And we know that we can do that much sooner, staying here, living with her, but also in the sense of wanting our own place to continue our family. So I just wanted to get your opinion to tell you how old are you and your husband? 23 and 24.

How long have you been living there? For about three years now, three years, OK, how long I've been married? Two, two years. OK. All right. How much debt are you in? Two cars and one credit card total about 43000, and how much are you making a year together? Household income. So he is a car salesman, so our base pay equal about 40000. He makes commission on top of that, which ranges from a low of 2000 to 5000.

He hasn't been doing this very long. So so far, it's going up every month. It's looking like about 5000 this month. So we know we can get it paid off quick if we stay here. But we know that if we move out, a chunk of that will be taken out to go towards rent.

Well, I'ma be honest with you. I can't I won't know your thoughts on this. I am not a fan of a married couple. I don't care how much debt you have being. OK, being home with parents, a married couple, especially with a child, you also have space, you should have freedom. And I think with your dad, right, there are 43000. Wow. That's a lot is not as much as what we're used to hearing.

And people who have 100000, 200000 are home having their own established home. Now, I love the let me say this again to tell you, I love the fact of hearing you say we really want to attack our debt. That is great, especially at the age in the 20s. But I want you to have that same thought process but in your own apartment. So what I'm recommending is, yes, move out. You have another baby coming.

Go get you a nice two bedroom apartment, something not expensive in West Palm Beach area. Tell mom. Tell your parents. Thank you. We're going to step out and really start doing grown people things. OK, we're going to start taking responsibility for our lives and we're going to attack the debt. And let me be honest with you. This may be because it sounds like you're not working in. My hearing is correct.

I'm working part time right now. Yes. OK, what do you do? Part time. I work at a bank, OK? I tell the credit card you do. I work at a bank. I'm like I'm the one who tries to get people in to markets bank.

OK, yeah, that's a bank job. All right. Sounds good. And it may even sound like Natalie.

Natalie, I'm sorry that you may have to even pick up something on the side. You know, when he comes home from selling cars, maybe pick up something on the side. But I'm saying move out and you may have to attack your debt, but it may not move as fast.

OK, are you getting pressure? Are you getting pressure from are you getting pressure from mom or whoever's mom it is to move out or are they fine with you staying a little longer? No, I'm actually on the contrary, she loves us staying here. We helped her out with rent every month as well.

Do you have your own space in the house? I have. We have our own room. And my daughter has her own room, which we should be sharing with the baby. What's your timeline?

If you stay there, what's your timeline for getting out of debt, then being able to move on? So I calculated with his because his commission would be complete on today at the lowest of 2000 would be would take us 21 months, the high of five thousand would take us nine months.

OK, and then what is Rayette, give me a reasonable rent amount. What research have you done? What's rent going to cost you in West Palm?

Sixteen hundreds. OK, and that would dramatically slow your debt. Debt snowball down. Yeah, depending on what his condition is each month, correct? Yeah, I don't disagree with AOE and what he said at all that I think you guys need to leave in Kleve. I mean, you know, that's the famous language in a marriage ceremony leave and Kleve.

However, because this is a healthy situation, I would submit that if you guys get really serious because you got mom, I'd like to see I know you got a baby on the way, but when baby two arrives, to the extent that you can, I'd like to see you work as much as you can because you got the support of mom theoretically here. And and Hub's get super fired up. I'd like to see you stay for nine months and get it done and get the debt snowball done.

Then I would say leave and Kleef. So I agree with you, but I also think that this nine month window, if you can do it in nine months versus a much longer period of time, I think it makes sense to get it done that way, not take on this additional expense with the baby on the way. But again, you know, that's just my take, because I think you can get it done faster. But I'm admitted that I'm the guy that wants to knock out the goals faster.

And I think if you guys can live comfortably there and there's no tension in the house, I would defer on that.

Yeah, I mean, that's why we are King Coleman and Anthony O'Neal. Yeah, yeah.

But I mean, only because it sounds like there's no tension in the house with them living there. It doesn't sound like there's this boundary problem.

I agree. You know, and and I think I will be okay with that if there was a clear OK by this date. Yeah, I like that we are going to be out if we have hit it or not, because I think for me, it's not really just about the money saving. Yeah, it's about a young man and a young lady becoming a man and a woman. Yeah. You know, they are married. They have responsibilities now.

And I think that's the other part.

I think that's a good addition. I, I completely agree with the timeline. Yes. So that it's not this extended. Let's just keep taking this up to. I should have said that. I think it's a very good point. I'm going to hold them to the nine months. Yeah, I would hold them to that. I just I think it's OK for couples to say, you know what, we're going to sacrifice here for the time being.

But you're right, as long as it's a sacrifice to live with mom, not this wonderful, you know, kind of vacation.

There you go. That's a good point.

I mean, it's all right, kid. That's why we do this thing together. You help me. I help you.

Phoenix, Arizona, has. Sara. Sara, good afternoon. How can can I help?

Hi. How are you guys doing? Well, about yourself. I'm doing better.

Thank you for taking my call. I've got a question about career career path. So a lot of my I'm twenty 21 years old. I've spent a lot of my time since I graduated at seventeen trying to figure out what I want to do with my life. I went to college for what I was doing and I wasn't exactly sure if that's what I want to do. How do you ask yourself, what's my path? Where am I going? What's my passion here?

I always want to help people, but I don't exactly know what. How can I ask? Are you pretty confident?

Are you pretty confident? It's not nursing? I'm not sure. OK, so here's what I want. You know, a lot of. All right, so I'm going to give you two answers. I got to do it quick, OK? I'm going to give you some resources. All right. So here we go. Come on at your fast. First of all, before you decide that it's not nursing, I want you to hang around some real nurses, people that are actively, actively successful in nursing and all different types of nurses, labor and delivery, emergency room surgery, those that check them in, in-home nurses, all the different types of nurses and do like a college, you know, report on what they do and learn.

And your head and heart are going to get aligned on that. And then your head or heart are going to say or ding, ding, ding. So you're just uncertain right now. So start with that because you've already leaned into nursing. But here's the process. Number one, you want to line up what you do best, write out your top talents, the things you do best abilities and qualities. Second, right out the work that you love to do.

I call that passion. That's high emotion and high devotion for tasks and function.

Finally, mission the results of your work that you want to create. You want to help people who are the people you most want to help. The problem you most want to solve the solution most want to provide. Start there. Go get the Career Clarity Guide for free. You can call Mackoff, fill it out, call my show the numbers. It can call Mincome. Once you got those results, call me next week and we'll get there. Beautiful answer.

Can America. I want to thank you. I want to thank our producer, James Brown, associate producer Kelly Daniel in America. Don't forget that the caliber of your future, especially your financial future, will be determined by the choices you made today. And you all made the right one by listening to the Dave Ramsey Show. Hey, it's Kelly, associate producer and phone screener from The Dave Ramsey Show. This episode is over. But if you heard about an event, product or service, it didn't have a.

Write it down, don't worry, we list everything you've heard about during this episode in the podcast, shout out or head to Dave Ramsey dot com. Thanks for listening. Money isn't the only thing we talk about around here.

Get life changing advice on your career from my good friend and career expert Ken Coleman. Oh, my Ken Coleman show. According to a recent Gallup poll, nearly 70 percent of Americans are disengaged at work. If you dread going into work every Monday morning and you're just trying to make it to the weekend, the Ken Coleman show is for you. Everyone has a sweet spot. Your sweet spot is at the intersection of your greatest talent and greatest passion. We will help you discover what it is you were born to do, and then we'll help you create a plan to make your dream job a reality.

You matter and you have what it takes. Join the conversation on the Ken Coleman show. Hear more from the Ramsey network, including the Ken Coleman Show, wherever you listen to podcast.

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.