Live from the headquarters of Ramsey Solutions, broadcasting from the car rental studios, it's the Dave Ramsey Show where Nat is dumb. Cash is king and the paid off home mortgage has taken the place of the BMW as the status symbol of choice. I'm Dave Ramsey, your host. Thank you for joining us, America. We're so glad you're here. Dr. John Boloney Ramsey, personality, best selling author of the book Redefining Anxiety.

What It Is, What It's Not and How to Get Your Life Back is my co-host today here on the air. We're taking your calls at eight eight two five five two two five. That's triple eight eight two five five two two five.

Peter starts off this hour in Phoenix, Arizona.

Hi, Peter. How are you? Hello, Dave. Thanks for taking my call. Sure, man. What's up? Well, I'm 64, my wife and I have been married for 33 years, and we have four children and our old our youngest child has autism. He was adopted late in our marriage. And so we're trying to provide for him after we retire. We know he's going to lose. He's going to lose my company's insurance as soon as we retire, if we go on on Social Security.

So we're trying to provide for him and make sure that he's taken care of.

OK, and now the specific question is, how do we do that? You know, we got a lot of people that, you know, aren't experts giving us advice. And, you know, one person said, you know, you need to get a physician's letter of capacity so that he can get Social Security, you know, so that he's sort of he's taken care of. Now, we don't we don't anticipate him leaving our house because of this, because of his capabilities.

He's he's higher on the spectrum. But still, he we don't we don't he's vulnerable, you know, out there. And we don't think that, you know, he's ready to make the movie. He's twenty six years old. I'm sorry. Twenty three years old. And so we're we're kind of at a cost right now as to what we should do.

OK. The truthful answer is, I'm not positive what you should do. So what do I do when I'm in a situation like that?

I would do what you did. I would call somebody I thought was an expert and apparently I'm not. But but anyway, yeah, I would call Xander Insurance or someone like them.

That is an insurance broker that brokers health insurance for several different companies in multiple states. Now, obviously, you're going to want someone that brokers insurance and Arizona in the insurance world where we have an unusual case and you're trying to get an unusual type of insurance or an unusual situation insured. We call it their make. They make a market meaning they find an insurance company that'll cover it. And so, like, you hear bizarre stuff, like a pianist insuring their hands or something with Lloyd's of London, that's called making a market.

They found an insurer that would do something unusual.

This is not that unusual, but it is it is a nuanced situation that I don't know the answer to. So I would talk to some people in the insurance world to say, OK, what are my options? What can we buy? Can a twenty three year old the high functioning autism, living with their parents buy their own insurance?

Yeah, I suppose they could. I think that's very possible. They could just simply under Obamacare, pre-existing condition doesn't count against you, I suppose, that he could just buy insurance. Of course, that's going to mean you're buying it. You're paying for it. But it would be as if he's doing the transaction with something like a Blue Cross Blue Shield or something. I think that's possible. But I can't slam my fist down and say I know the answer to your question because I don't.

So what I would do in your situation is I would talk to insurance brokers. And the reason for that is that means they represent a whole bunch of different companies and their real person they represent is you. And they're just trying to find a place to slot you and give you the best deal. That's the best deal on health insurance. It's the best deal on car insurance. And homeowner's insurance is the best deal on life insurance is to not go with a captive company that only sells their products, but instead a company, a broker that sells products of many different companies.

And that's an example of that is under insurance. So I just call those guys and see if they have, you know, if they do repping for health insurance in Phoenix. If not, they can give you a recommendation to someone that does.

And I think they do. And then they can they can help you figure out how to insure this under the Affordable Care Act, also known as Obamacare.

And there's a lot of things that you can force in those situations. Now, the fact that he's not a minor may play into it, but he's under 26 so that and he's in your household. So that should play into it. So he should be able to treat it just like he was a kid living at home with you. And it's under your insurance.

But but it's not your insurance now.

So I don't know I don't know how it's going to play out, but I think it can be done. I think you've just got to scratch around and solve the issue. And then the second part of the equation is you've got to solve the issue for how much of your wealth is allocated to a trust upon your death for his care and who's going to be in charge of his care and managing the wealth that you leave to create an income for him to eat with upon your death.

And that's the second part of the equation, is the long term planning for him. And that's a special needs trust in most cases in your will is what you do with that. That part I do know a little bit about, so I wish I could just give you the answer. I just don't know the nuances of that stuff. It's not my world and I love that you're that you're there for him.

That's a pretty cool situation. Tough world, John.

Yeah. And one note to folks with kids. Twenty three year olds. Twenty two year old, sixteen year old, 15 year old of medium to high functioning autism. Dad mentioned he's doing well, but he's still vulnerable. So we want to keep him here. I always want folks to lean up against that efficacy. The skill sets that those young people have, give them the opportunity to get a part time job, a close a job where they will be successful.

They they earn dignity. They're they earn their own money there and they begin to develop social skills, especially if they got a coach with them. That can really move beyond this initial diagnosis with especially with high functioning autistic kids. They are just extraordinary human beings and can find places where they can be really successful. And so good for you.

Yeah, very important. Dakari is in Washington DC. How dakari. How are you.

Hey John, how are you today. Sorry, I apologize. Hey. How are you today? We're both here. It's all good. What's up, man? How can we help? I'm so I am twenty six right now and I live at home with my parents.

And it sounds like you're whispering. Are you like, OK.

You don't have to find I'm at work. OK. All right. All right. I thought you were hiding in your parents house. All right.

I'm busy. There is a very busy OK, so I'm going to live at home. And basically I'm trying to figure out right now if it's best to buy or to rent. Now, some context. I will be buying a four unit, Iñaki Multifamily. Oh, no, no.

Can you pay cash for it?

Can I pay cash? Let's do this because it's in the car.

I'm going to I'm going to hold you over the break because we'll talk to you. I won't be able to flush this out fully here after this break. So stay with us and we'll be right back. Free at last, it was one of the best decisions of my life. That's what Neil M. said about using time share exit team to get out of his timeshare after the resort refused to let him out. Listen, I've said it before. If you've tried selling your timeshare and can't if the resort refuses to take it back, call timeshare exit team.

The people I trust call eight four four nine nine nine exit or time-Share exit team dot com.

Dr. John Deloney Ramsey personality is my co-host today we are talking with the car in Washington, D.C.. Twenty six years old, thinking about moving out, thought about buying a fourplex and live in one of the four places. And that's about how far we got in the discussion. Is that a fair summary of what you told us so far, sir?

Exactly. Exactly, Dave. Cool. All right John.

So dakari I was trying to cram it in there before the break and then I thought I would breathe a little bit and I try to force this on you. Here's the deal. Do you have 20 percent down on this fourplex.

So my understanding is with owner occupancy I could do under FHA, so three point five and no I don't have to 20 percent down.

Yeah. So what you don't want to do is a 26 year old is put three percent down to scratch and claw and borrow that three percent and slide right in and then have something come up and you've got to fill the rent on those other three places and suddenly you're way, way over your head.

And I know you want to get out and you're trying to figure out a quick way to build wealth. You feel like you're behind. I'm twenty six. How much money do you have saved, sir?

Twenty six thousand. And what do you make yourself? Just a forty five K and I do it for a property management company. So I'm kind of I'm already in the game a little bit. Yeah.

That's what gave me the bug. Yeah. That's what I was the same way man. I got my real estate license when I turned 18 and I couldn't wait to start buying real estate. It was my favorite thing in the world. And I want you to get some real estate. I just don't want I'm with John. I don't want the real estate to get you. OK, step one, move out and rent for six months, OK?

During that time, you learn to pay your own bills. You emotionally separate from mom and dad that last degree and you're standing on your own two feet and there's some stuff happens spiritually, relationally, all that you get all that out of the way, you buy your own freaking couch and that kind of stuff. And then kind of from that solid platform, we start talking about whether you buy something or not.

And, you know, I don't ever tell somebody to buy something with three percent down, three percent down means you can't afford it.

Oh, okay. Okay.

For me, because I want you to have more margin than that. I don't want this thing to sneak up on you because here's the deal. If you have three tenants and you're one of them and you're the fourth and this is something like let's just say something like a pandemic hit, who would have ever thought? Right.

And the tenants, the tenants were all servers at local restaurants and they all lost their jobs and they can't pay. And you've got to pay the attorney to evict them and you have to pay the payment and you have absolutely no cash because you put what little cash you had into this deal. You're what's known as screwed.

I c see.

And I've been there and I love real estate and I really want you to buy some real estate. But I by the time I was twenty six, I had four million dollars worth and I had too much borrowed on it and the bank got sold to another bank, flip me on my head and I spent two and a half years going bankrupt, losing everything I owned. I don't want you to have that experience.

See, you go slower with more cash and more margin so that after you put the payment down, the down payment down, there's a lot of wiggle room in your life and there's a big old pile of cash laying there in case the bad stuff goes out like the heating and air system, not in case it will.

It will go out, right? Yeah, not not so. Not, not so. But when right. When crap happens and you've been managing property. So look at it from the owner's perspective. They get the repair bills, the expenses they get, the vacancies they get. The nonpaying tenants who go into Chapter 13 are worse, Chapter 11 and you don't get paid for nine months and you can't evict them because you cannot file on them while they're in there.

You know, we had a moratorium in my county on evictions during the pandemic we had in our state.

The state Supreme Court came down, said no evictions for two months during the pandemic. And we had a guy who had nothing to do with the pandemic. He was just a twerp, any one paying his bill. And we needed to get him out. We couldn't get him out. We're stuck. We're sitting there. Of course, we don't have any payments. So it's no big deal. We worked it through. But, you know, if you had a bunch of that kind of stuff pile up on you, man, real estate gets less than fun.

It is not a broke people's game. But here's what I've got really high hopes for. Dakari he's twenty six years old.

He's already thinking he's got thousands of dollars in savings. Yep. Right against us. Not a huge salary. Yeah. So he's a saver. He's a planner. He's got the wheels cranking. Yep. He just needs the right, the right plan and he's going to make it happen.

Just be the tortoise not the hare.

Yeah. Move out, rent something cheap, get your couch, buy your own groceries, pile up some more cash. We're. An extra job, pile up some more cash than your first deal 12 months after you move out at the earliest. Dan is in Denver. Hi, Dan. Welcome to The Dave Ramsey Show.

No, how do enjoy the place for all that you do? Call myself a financial zealot. And I'm kind of a strange car question for you.

All right. So I. I guess we have the need to buy a new car in the next year or so. And the car that we're looking at, the two models, and quite frankly, they didn't exist a couple of years ago. So I was wondering, is it better to buy a 20, 19 used model or a 20 20 model? It's twenty five K, so use one 30 K in the new ones. Twenty five K, but they would both meet our needs.

What's your household income all about to indicate.

That's nice. Very well. Good. OK, you're talking about a Tesla. Oh, no, not at all. Oh, Highbridge, OK, all right, you said didn't exist a few years ago, so I couldn't figure out what you're talking about, but the. All right, so. And what's your net worth, sir?

I should probably about 700 K's, OK.

All right.

Our recommendation has always been not to buy brand new vehicle until your net worth is over a million. You're going to be there very shortly with your income and with I assume that seven hundred is invested and it's growing as well. So you're going to be there before you know it. I personally did not buy any new cars after going broke and starting over and adopting these rules. I personally did not buy new cars until out of ten dollars million net worth.

But but the point being that a new car goes down in value so fast that you want the discipline of not having invested in something that's losing ground that fast. You're kind of on the bubble.

You make a lot of money and you got a lot of money. You're almost there. So, I mean, you could cheat and pull it off. It's not going to destroy you. What I'm trying to do is keep somebody from making fifty thousand dollars a year with a 20 thousand dollar net worth from buying a brand new car. And then they lose eight thousand dollars the first 10 seconds. They own the stupid thing. You know, when you drive it off the curve, curb when it's brand and it goes bump, bump.

That was a 10 grand slam, you know. And so that's that's what you don't want to have a ten thousand dollar thing happen to you when you don't have any money. Right. But in your case, with the money, with the numbers you're giving me down, if they're all accurate, I mean, you're almost there.

And so you're more than capable of making this decision on your own.

I personally would probably go ahead and buy the used one just as an act of discipline, a financial discipline, just to say I'm not going to start acting like I'm high on the hog because you're not that high on the hog yet. You're doing really well, though.

You're doing really well. Obviously, you've got a huge income and that's piling up for you fast. So, you know, it's not going to cause you to not make millionaire status, regardless of which way you make this decision. But I like the discipline of sticking with the guideline of until I have at least a million dollar net worth, I'm not going to buy a brand new car because they go down in value so quickly. That first year and day.

One of my favorite things to do is to look at successful people, look at wise people and listen to their little T truths, the the sayings they give, but watch their big T truths, how they live. And for everybody listening, this doesn't have 700000 dollars network and a two hundred thousand dollar income. I want them to hear what it sounds like with somebody with that sort of resources, that sort of income earning power, still trying to make a wise decision on.

Yeah, still thinking about the purchase. That's how you get seven hundred thousand dollars when you ask questions about twenty five thousand dollar purchases. Yeah. That's how you accumulate that money. Ten bucks at a time. Ten bucks at a time. Exactly. Good for you, Dan. Exactly. He has the he's got the right stuff. That's how he gets how I got there. That's a good point, John. Very good. This is the Dave Ramsey Show.

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Dr. John Polony Ramsey, personality is my co-host today, this is the Dave Ramsey Show on the debt free stage right here in Ramsey Solutions lobby. Raphael and Yessica are with us. Hey, guys. How are you?

How are you doing, Dave? Well, how are you doing? John, what's up? Where do you live?

So you live in San Antonio, Texas. Awesome. How much debt have you paid off?

Seventy six thousand dollars. How long did it take? Seventeen months.

Wow. You kicked it. And your range of income during that time from sixty thousand one to four. Now there's a bump. We went to school.

She got a job and look at you throwing her under the bus and you got a job because I'm a disabled veteran.

So she was usually just at home taking care of me.

And I was like, you got to get out there, start making some money for us so we can pursue pursue what we what we really want to do in life. I love it. Thank you for your service.

So what kind of debt was the seventy six thousand. Oh, a lot, man. I bought a car. Well I had I originally bought a truck without telling her or I didn't listen. Yeah. I want to talk about telling you.

How do you live through that. I don't know the doctors. She's a sweet lady and amazing. I'm still here.

So yeah, I did that. And then we thought we needed a family car because we had our second child at the moment. So we bought a new twenty eighteen Dodge Journey. Sure. Traded in the truck for that. So it was like negative equity into the new one. We paid forty thousand dollars for twenty seven thousand dollar car that went we were under. We don't say underwater yet. We were underwater, we went upside down and that within like six months.

Wow. So yeah, in the last five years I got scammed. We blew twenty seven thousand dollars in a furniture store in like two minutes. That was awesome.

You're on a game show. It was awesome, Dave.

We did that. And then like we just got sick and tired. We had our second child and then like we we were making all this money. It was like 60 grand at the time. We had nothing to show for it. So I got mad. I started calling like some of our our companies that say, hey, can we, like, postpone these bills? Can we do it, like three months out? Because we just bought a house at that moment, too.

So it just felt like every time the money came in, it went out on the second day of the month. So like we were just eating ramen noodles at the time just just to make it by trying to make ends meet. Yeah, yeah. It sucked. I hated it and like it.

You're eating ramen noodles at a really fancy kitchen table. It was nice. It was a really nice table. It was glass all that. You pull it out, it rotated in the middle and everything. It was nice.

Those ramen noodles tasted just good. It was it was really good.

We had the shrimp flavored, the chicken man, all the powder, all of them, like it was nice.

So what did you do when you got disgusted? Oh, we had a talk.

We originally went to financial peace in California. That's where I was stationed, Campbellton. So we originally had it there. But we were still doing Dave ish. We didn't have an accountability partner. And so you flunked. We flunked the class. Yeah. We never even got the certificate. So they always said we left. We moved to San Antonio and then we met these great we met this great church, CBC. We met friends there, started a small group.

And then they they seen a book in our house like they would, you know, with the Dave Ramsey book, Man, can I borrow it? And then they got serious about it, that that became our financial accountability partner. And then we just started in January of last year and we just been booking it, OK, she knew what to do.

You just had to go back to. Yeah, yeah.

We knew what to do and we had an accountability partner. Otherwise we would just still spend whatever we want to keep you out of the furniture store.

Stay away. Stay with the furniture. Yeah, it's nice furniture, Dave. All right.

So, Yessica, we haven't heard from you. Tell us about your your experience in this journey.

It was really rough for a good while. I just kind of had to sit him down and talk to him and tell him that I felt like he was dragging me. Uh, but we we came together and like you said, our accountability group just kind of helped us to the to the whole process. And now we're here.

So you didn't mind the your financial situation. You liked that furniture? I did. You liked that.

I did at the time. OK, but it was like you said, was just ramen noodles. Mm. So.

Oh money. Yeah. Oh yeah. Well way to go. Now that you did it, you're the other side of it. Talk to somebody who has taken the class years ago and fallen off the wagon so to speak. And what does it feel like to get back on it and go OK, now game on.

Well it's excited after seeing the first that go away, doing the steps to the smallest first and then do the largest, which is motivating. Just checking it off the list on. Iterator, I would say to them, just just don't give up. Stop eating out. Mm hmm. Because you might eat out small, but like those little purchases add up throughout the month, we noticed that we were spending like nearly eight hundred dollars on, like, food, just eating out and stuff like that.

Yeah. So we stopped eating out, had the accountability partner and we just we just stayed focused like we knew what we wanted for our kids.

So that was our why you didn't want them to relive you live.

So the family curse of just being broken. I didn't like it. So I want to set them up for financial financial peace. That's why we did it. We had a really strong way.

And you did. You did. You broke the chain, didn't you? You are. You literally changed your family tree. That's pretty cool, man. I'm so proud of you. And bigger than the money. Very well done. You taught those two kids what a married couple can accomplish when they come together. You taught it. You taught your kids what it looks like to submit to accountability partners. You changed everything about their future brother.

Yeah, because they were watching you the whole time, time all that. They absorbed all of Mama's temper tantrums. There's a lot. All of it. Yeah. She was upset with me.

We had we had a lot of fights along the way, but it was worth it. She's like, you're all about the money, you know, because every time we got paid, it was like, hey, let's hear it. Let's do it there. Let's get rid of this one. Let's get to that one. Because I was just I was just motivated by just seeing that big pile of debt just disappear every month.

Man, I'm so proud of you guys. Well done.

Very, very well done. So what are the secrets to getting out of debt? You got a big why? And that's that's obvious. What are the secrets?

So sell a bunch of stuff, sell everything and sell everything. We sell the entertainment system. We sold the car. We sold the couch. We don't even have a couch anymore. It's crazy.

We sold that dining room table, everything we bought with the dining room table, anything in the middle solely. So they sold it all. So I love it so close. We sold shoes. There's something that switch that flips and you go, it's just it's just stuff like that. We were selling.

I want I want to sell it. I want my family tree changed more than I want on the last table with a spinny thing in the middle. It was worth I mean, that's like the opposite of shallow. Right. Well done.

I don't want to live inside of one of the greatest culinary cities on earth eating ramen noodles.

Oh, no, you don't need to get some good food in San Antonio. Hey, man, my mouth is watering. Minus two did that man. All right. We got a copy of Kris Hogan's book for you every day. Millionaires' that's definitely the next chapter in your story. We're going to get the kiddos into the debt free scream. Let's do it. All right. What are their names and ages?

This is Rafael Junior and Leonardo. I'm trying to write Ninja Turtle.

There you go. Two more. Two more. All right.

What's a Ninja Turtle? All right.

Seventy six thousand dollars paid off in seventeen months, making sixty to 104. But the most important thing was the family curse has changed. The family tree has changed. And you're looking in the guy's face, the gal's face. Who changed it right here?

They did it. Count it down.

Let's hear a debt free scream three to one with that free. Give honor to where you came from, but you don't have to repeat where you came from. That's the magic, right? You don't have to repeat the things that they did that were wrong. You can change. That's right.

Your family tree, you can honor people and recognize there's not a curse that can't be broken. They didn't have the tools. I've got them. A curse can be broken with the truth. Yes. And the action when you put the truth and the action in place, you can change it.

This is the Dave Ramsey Show. Our scripture, the day, Second Corinthians nine seven, each one must give, as he has decided in his heart, not reluctantly or under compulsion for God loves a cheerful giver. Winston Churchill said, We make a living by what we get.

We make a life by what we give 20, 20 probably wasn't the year you hoped for. Well, no, DA, you might have to pause some of your money goals, like paying off debt just to keep your house running.

But a New Year's here. And you can clean up the debt and you can get control of your money and you can get back on track if you got off track faster than you think. And that's exactly what happens when you get Ramsey. Plus, it's our step by step money plan that will help you pay off your debt as fast as possible so you can start spending and saving how you want. And here's how you learn the practical ways to pay off more debt and save for emergencies.

You'll plan your spending in a budget so you can even find more money to throw at the debt and you'll track your progress.

We're going to show you everything. It's financial peace University wrapped another Ramsey. Plus, no matter how this year has gone, you can make 20 21 the year you get rid of your debt for good.

So try Ramsey plus for free if you want to try it. Text the word trial to thirty three, seven, eight, nine. That's trial two three three seven, eight, nine. Dr. John Boloney Ramsey personality is my co-host today here on the air. Rod Ryko is in San Francisco. Hey, Rod Rico, how are you?

Hi, Dave. How are you? Better than I deserve. What's up? I need help or some guidance of how to tackle seventy one thousand two hundred and twenty eight dollars of debt at seven credit cards totalling thirty five eight seventy five, one personal loan total lean eleven six 11, one car loan totaling eleven six two six, a student loan of six thousand eight hundred and eight dollars and a tax bill of five thousand six hundred fifty seven dollars. And what's overwhelming for me is that the minimum payments on all this stuff totals to eighteen, forty six.

And I'm just not sure the best way to tackle this whole debt and what your income.

Income is thirty nine thousand. How much is your rent? Rent, unfortunately, right now to be staying at a place where it's 500 bucks at the moment, which is amazing. What's at the moment mean you're not going to be there long or I'm going to be here for at least a year and a half, OK, because that's unheard of in San Francisco.

You said very fortunate. It's more like a miracle. Yes. OK, good. That's wonderful. I'm happy for you. OK, so you live in one of the more expensive cities in the world, you know that? Yes. Making thirty nine thousand dollars. How old are you?

Thirty one single.

OK, and so far, approximately eight to 10 years you've been spending more than you make pretty steadily.

Yes. That's the personal loan. That's the credit card debt. The car purchase when you didn't have any money. So it's debt and the student loan lingers from the days back in college. Yeah, this is a summary of how we got here. Or did I read something wrong?

No, I'm perfectly OK. And so.

I think there's two things that have to happen, and they both have to happen in order for you to turn this math around because the math is kicking your butt and you got no wiggle room. There's no margin in the numbers you're giving me and you've kind of come to that. Had that come to Jesus moment with the arithmetic. Right. And so there's two sides. There's income and outgo and we call it shovel to hole ratio. Your shovel is your income.

The hole is your is your seventy one thousand dollars in that eighteen hundred bucks a month. That's the hole. And so you have a a medium to small shovel, especially given the city that you live in.

And if you were in Abilene, Texas, it'd be different. OK, but in the city that you're in, that's tough and thirty nine thousand is tough and then the hole you're in is substantial.

So you have a medium to small shovel and a large hole. So we need to change that ratio. We got to do something with your income.

What do you do for a living man? Right now I am looking at a housekeeper in a hospital.

OK, so you need a side gig that pays and it can be something as simple as delivering pizza and you can make an extra fifteen hundred a month doing that. That's eighteen thousand a year. We just added fifty percent to your income and you're working four or five nights a week. Your party days are over, you got to get an extra job or three and because fifteen hundred bucks a month right now changes your whole life because you can begin to clean this mess up, call the student loan people, put it on a hardship deferral, don't pay them a dime right now.

Cut up your credit cards. And then the last step, in addition to adding extra income is you have got to get on a detailed budget. Now, the good news is you really know exactly where you are. You are a detail person. You did not give me vague innuendo about your debt.

You gave me exactly what it was, which tells me positive things about you.

So use that exact thing, part of your personality, jump off. I'm going to put you I'm going to pay for it. I'm going to put you in Ramsey Plus for a year. And I want you to go to the Financial Peace University class. I want you to get on every dollar this syncs up with your bank. It's the best budgeting app in the world. And I'm going to give it to you all free because I've been right where you are and scared and you're scared.

Yeah, thanks. And Rodrigo, I want to toss one more thing into the mix. Do you have somebody there in town that you trust that you can be open with?

Yeah, I do.

OK, you need to have a hard, hard conversation about living in one of the most expensive places on Earth, being 31 and broke broke. You may have to make some new geographic decisions, some change of profession decisions. And this is one of those moments that out of the ash of this fire, you're going to make some meaning and you're going to you're going to launch out and be a totally new Rodrigo in twenty, twenty one. But somebody you have to sit down and have a hard conversation about why am I living here?

Why am I committed to doing this work at 31? Is this what I'm going to be doing at 41? Am I going to be doing this at 51 or am I going to really bite the bullet for 18 months, twenty four months and change the entire trajectory of my life?

Yeah. So I you hold on the line, Kelly. I'll pick up and we'll get you signed up for Ramsey. Plus, I'm not sure this is right, but I'll tell you what I think I'm hearing.

No one wins the Super Bowl by accident. It is a series of intentional acts. And so far, the first decade of your adulthood, everything has happened to you, you have not happened to it, you've kind of gone I'll take this job. Yeah, I live there by that car. Hmm. Let's go out tonight and all those seats all added up to a pile of crap.

And so now you're ready because you called us and you knew what you were walking into. You're ready to turn the corner and start going, oh, this is not happening to me anymore.

I'm going to make decisions now intentional, be intentional about my career disappearing to be intentional and disciplined about this. And the good news is you're a very detailed person and you will lay out a and map out a detailed strategy and then you can execute it, but you don't accidentally end up in you know, if you leave home and you want to leave San Francisco, you want to go to Seattle, you don't accidentally end up there on a Sunday afternoon drive.

You have a freaking map and you go a turn here, turn here, fill up with gas, stop and go to the bathroom, turn here, drive here. And the GPS will yell at you. Turn around if you're going the wrong way and you've got to get on a GPS for your life and start being very intentional about every step, because I kind of think I might be wrong, but I'm kind of reading between the lines that this is all just been path of least resistance.

Oh, that job, sir Earl Nightingale used to say, one of the fathers of motivational speaking, that in every decade there's a group of people who spend more time picking out a suit of clothes than their career.

And that's just normal. We get sidetracked and we put our attention to the wrong things. So that puts us our The Dave Ramsey Show in the books. Thanks, John. Good work. Thank you so much. Dr. John Boloney. James Chiles. In the booth is our producer, Kelly. Daniel is our associate producer and phone screener. I am Dave Ramsey. Your host will be back with you before you know it. In the meantime, remember, there's ultimately only one way to financial piece, and that's to walk daily with the prince of peace.

Christ, Jesus. I have a friend or family member that needs a daily dose of Ramsay advice on their life. Let them know about the Ramsey Call of the Day podcast. It's a quick hit of advice about life and money in under ten minutes. Check out the Ramsey Call of the Day podcast. Wherever you listen to podcast, 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.