Don’t Let Your Present Circumstances Define Your Future
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Live from the headquarters of rami solutions. It's the ramsey show where we help people build wealth, do work that they love and create actual amazing relationships. Can common rampy personality number one, best selling author and host to the kin common show is Michael host today?

Open phones, a triple I, eight, two, five, five, two, two, five. You jump in, we will talk edelin is whether, as in Young's town, ohio. Hi edelin, how are you?

Hi, i'm .

going you.

So i'm a twenty one year old girl. I'm not planning. Go to college anytime here see.

And I recently started getting all my money on my dad will get my money before because now take care of expenses and self and I thought I knew how to manage money pretty good but turns out out I don't um so basically my question is what should I, as twenty twenty one year old, be doing to build wealth at this point? Have about six thousand dollars. And yeah .

and you're working.

I have a car. Yes, I work on four days a week, fifteen hour a day a job.

嗯 哼， what are you doing?

Um I work for my brother is apple organ.

哼 在 屋里 面。

Yeah fifteen dollars now um not steady income. Like in the winter time I make navy fifteen hundred a months and then in the busy year, times a year and maybe twenty five hundred a month.

what's specifically are you doing for him?

Um I run his market and I work for and yeah you bunch of random stuff put to yeah are you living on your own .

or with your mom and dad?

I'm moving .

at home with mom and dad yeah OK right. go. So um what's your plan and where are you gonna in where you where you are headed that what's the thirty one year old version if you're going to be doing?

Um hard question ask at this point. Um I would like to either be married and if i'm not married, be doing something in the medical field.

Okay, right? Well, i'd start taking some steps towards that and figuring out what that looks like in terms of the medical field part. I'm not charge of the marriage part but the not my department but but yeah you know I start saying, okay, what do I want to be four years from now? That's on my way to being another thing ten years from now.

And what classes do I need to be taking or certifications do I need to get? What experience to I need to move? Because i'm usually you don't go from the apple orchard to the medical field.

You usually um go into the medical field at some kind of entry level thing. And so maybe you start talking about a taking some early steps towards that because your career is part of managing your money. In other .

words.

that's what we're asking you all about your income and then you moving out having your own place, that's part of managing your money as you go with as far as managing your money goes. And I like can speak further to your career. You just want you've gotten, just make the money that you have behave and go where you wanted to go.

And you do that simply by having a plan before the month begins of where every dollars is gona go, and that's called a budget. And there's a budgeting out that we have called every dollar. And I will give you the premium version of that to get you started on that.

And but basically, you're gona sit down before the month goes, enter your numbers into this shopping go. This is what i'm going to do. I'm going to tell this money what to do instead of looking up at the end of every month going, I have no idea what happened. And then that will lead you away from dead towards savings, towards investing, towards investing into yourself in some possible education move.

yeah. What I would add Adeline is best thing you can do right now to move forward is to get as much knowledge as you can about the potential directions you could choose. The reason people don't move forward, they stay in the April, the apple or A A few whiles because they're intimidated, their scared.

So here's what I want you to do. I want you to think about, want you to write ite down tonight before you go to bed. All the different medical professions, you might be interested uh, everything from a ten level interest tool one because he couldn't get visually what's out there.

So that's a doctor, A A surgeon, that's A A A nurse practitioner that might be a nurse, that might be somebody who does radiology and IT could be anything to look at that. And so then I want you to begin to identify people in your area who are in those fields. And we call this approximate principle, will get around those people, take them to launch, take them to coffee and be like a student doing a book report on their job.

And what's going to happen is you're going to begin to understand what IT takes to get there. That's the education piece. And the experience piece is, dave said, what is the lowest wrong of the latter require and look like to move in in the medical uh position that you want.

And so hang on the light, I want to a give you two things. I want to a give you the clear assessment is about twenty minute assessment is going to give you real clearly on professional direction and they want to give you the book to proximity principal because this is a deep dive in what i'm describing for you. But if you do that um you're going to have a real clear direction.

One of the thing I want to tell a davies for seasonal people, we get this call a lot. When you're in a seasonal job like this, you need to take that experience and skill set from the apple orchard to another job or two so that there's not this dip in income. There should not be a dip in the winter time for you. You should be doing something else in a part time capacity uh or two part time jobs or another seasonal job that is hot during you the downtime of the orchard. That's the mindset to keep your income level at the same level or create increase for yourself is .

very important um and and so I en don't miss that. The answer to you how do I manage money question for us was the income side, two sides to the equation, the income side, the outcome side in immediately both of us home down on the income side for you. So managing your career and your income is part of managing your money.

And and and so when you're looking at picking up the extra jobs in the down season, when you're looking at making the first steps in the medical profession, all that's part of managing your money in terms of the actual tactical what how do I keep the money that we have and make IT behave? Well, that's the budget. So we're going to give you all three things to help you to get clear assessment from.

Can I has booked the proximity incident and will also give you the premium version of the APP every dollar, which will help everyone get down in on IT here. So very good stuff. Good question. Thanks for joining us. Open phones here at triple eight, eight, two, five, five, two, two, five.

Uh, you know you coming on as a mg personality several years ago and opening up the whole career side of things even further because we had noticed for the years that um sometimes when people are looking at money situations, they just need to make more money exactly. And we also realized that a lot of career problems cause money problems, no question, and a lot of career awesome ness can cause money. Awesome ness now works the other way, too.

So all of these things do fit together, folks. And the number of times that we have a debt free scream, and during their debt free journey, they added income part time and or got promotions and Better jobs, almost ninety percent of them did. One of the two or both happens all the time, because once people start paying attention, they're paying attention.

This is the ramsey show. One of the questions I get all the time is which life insurance company should I use for my term life policy? A valid question, since there are hundreds of companies out there with rates all over the place and writers and ads that are simply a waste of money, you need to get this done and make the right decision.

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Hi, dave.

hi.

What's up?

Some has been thirty four and where thirty five and we don't have much of retirement. He's got thirteen thousand. I just started mine less page check so i've born in your dollars to 那 um we have about forty nine thousand six hundred dollars worth as that and that includes everything except for our mortgage which is one hundred and twenty eight thousand dollars left not terrible but at at six point one two five percent um i've been I have been i'm an r and so unable to work extra and i've been working extra since August and and we've been able to pay off just under five .

thousand dollars worth of debt .

which is great um but I can do this forever and you know I miss my kid and .

missing husband 嗯 so that .

forty nine thousand six hundred that i'm kind of laser focused on to get rid of and we've dialed back or I feel like we've dialed back everything that we can um as far as financially or even monthly and just not sure how to get ahead because our goals are obviously take IT about that。 But I also am really concerned about retirement age, which I know is in roughly thirty years, but I don't want my daughter to ever have to worry about, you know, worry about me whenever i'm out there. I want hard to be able to live her life.

The best way to be able to retire with dignities to get the debt cleared. So you need to stop putting money in retirement temporarily.

okay.

and use all that money to help clear this debt. That's a temporary thing because once you clear the debt faster so you can get back to haven't breathing again a Normal life, what's your household income?

While I am working extra we bring home about eighty five hundred and eighty eight hundred that kind of depends are funny hour .

shift differential.

He is in um he he's in like a investigator H R decision um he does not have a degree anything that he makes seventy three k year um but he also to paid twelve thousand a year and child's support so whatever that is seventy thousand thousand OK.

And so you're making about the same you're making about seventy yourself.

Well, when I don't when i'm working just Normal and i'm not working extra, I bring home about four thousand a month.

Bring i'm talking about your totally income is probably one hundred and fifty to get home with .

eighty five hundred thousand yeah the .

thing about around eight .

fifty thousand and we have I have a fifty six hundred dollar personal loan as that thirteen point nine five percent that was like a loan to payoff credit cards from my twins. What in that behavior is fixed? Like i'm not onna run up and he did in fact I I use credit cards to repair my .

credit what else um .

we have a twenty thousand dollar lar core that has thirteen point nine five percent interest uh twelve thousand left on my car has eight percent and then I have about seven thousand dollars in school loans and has varying but they're all around .

four percent .

and then our home, of course twenty .

eight year old credit is bad and you ve got screwed when you bought at .

twenty thousand a car yeah yeah. At that time I had not repaired.

My credit doesn't matter. You have got screwed you a high interest rate in half of your dad is one car.

Yeah, I don't .

know if he thirty .

minute can friday require thirty .

dos quire requires five thousand or a car.

okay.

If you had .

rid of that fourteen percent interest at thirteen, eight, five on a car you couldn't afford about and it's half of your dead, you and you quit putting money in the retirement, you're going to see these numbers start to flip for your kiddo. It's going start to work. And he's not looking at this with you. You're doing IT by yourself, right?

Oh no, no, no. We are both very involved. I think we both just like that kind of deep financial literacy.

Good, good. okay. yeah. If you shall the car and you stop the other a uh retirement temporarily and you get detailed on your every dollar budget and both of you are looking at that every dollar budget and beating the snot t out of IT.

I'm making every we're not going out to eat. We're not going on vacation. I'll see the inside of a restaurant.

Lisa, working is your second job. And does he need a second job? Probably you're work in one. And temporarily, let's get this stuff knocked out. Bt, and I see how fast I can pay off thirty thousand dollars or twenty five thousand dollars worth of debt, making one hundred and fifty thousand hours year really faster.

Yeah, I don't know if he could get a second job. He he did get home called sixty and most days and around the weekends he has his time and whose special needs but I.

but that's the beauty .

of in the blessing of the career I chose, is unable to. Amber.

I want to make sure you're grasping the numbers that dave is giving you. Okay, if you remove the car pay paint plus the actual dead on the car, just what you guys have paid off since August, roughly four months, you paid off five thousand dollars. You've got listen to what they ve said in, put real pin to paper right now, like sit down right now before you do anything else today and run those numbers.

If we sold the car and we bought a five thousand other car, what is that monthly raised? We just got to put towards debt. I think I don't think those numbers have click for you, and that's okay.

I would run those numbers in a real budget. I think you're to be shocked how quickly you're going to pay that dead off. And then then you're back to the time.

Here's what interesting is you're tired and you find all these reasons things can happen because you don't see how you're gona get there. Once you see how you're going to get there, you're going to be energized and they're been no stopping you. That's called hope, power of hope.

It's very powerful. And sometimes hope is literally the result of a mathematical equation. What is telling you? And so let's do that hanging on.

I'm going to put you and your husband through financial patient versy and put you into every dollar you guys going because you guys you need to sit down IT sounds like you're like eighty percent of the way they are. You're both on board, which is excEllent. Really glad to hear that he's Carrying this with you.

That's amazing. Ah that's that's very good. Your boat, you're willing to work extra.

That's amazing. You've identified that I want to get rid of the debt. That's amazing. So you've got all the parts there. All i'm doing is helping you polish the rough edges of what you're looking at. And I think that's going to cause the ball to role and then the hopes gona kick in.

And where stuff starts happen when you start seeing away, then you just push your foot, they are add down on the accelerator and you bust IT, you bust IT. We're gonna make IT. We gonna make IT.

We're gonna make IT. We're going to do get IT, get IT, get IT. Rob is whether in tamp of florida hey rob.

what's up 前 他们 有。 I am call and I I wanna I I know what I want to achieve. I just don't know how to chief IT if I background sixty seven, divorce, retired, I have an I R A. Uh, i'm probably that we have an I R A with at nine hundred and eighty five thousand and and I have a book with two thousand ten and I have one son, my soul beneficiaries and what i'm trying to achieve like so I I mean good health. I think that one years left um in me possible more because um I I want to know how I can you know move some money now where upon my death my son isn't hate with the main nature and require militory distribution.

There's there's not technically R M days but under the security that biden best have ten years to empty a traditional liar, right? So is you going to empty one hundred grand year and be taxed on IT where you're sitting today? The way to avoid that is to begin to move some of IT towards rough.

And so as you make a polyamine, move a chunk to raw and write a check because roth is required to be distributed over the same ten years, but you can't leave IT in their inherited dior a but there road tax on IT because you will have already paid the tax. So develop like a ten year plan to move one hundred gay plus whatever the growth is towards routh, a little bit of a time to wear when you leave him with nothing but rough instead of traditional, he's going to going to have any problems with taxes at all because there not any taxes. I did that, started that on that process myself about ten years ago, and I have zero traditional anything.

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So since we turned on the microphone a day, I think all we've done to give stuff away, which is great because we're helping people with this. So if you heard to give away, can get clear assessment on figuring out what IT is, your passionate about, what IT is your gifted at, and give you some insight in some directions you can go to enhance or even change your career. That's awesome.

The total money make over a book, you know, ten million plus copies now sold the baby steps million's book, all about the baby steps millions, and king's book to pay check to purpose. All this stuff is on the sale right now. At the black friday extended event at ramsey solutions dot comes slike store.

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Do IT right now, rami solutions not come slight store or you can click, uh, the link in the no show notes on the pod caster on youtube. So Derek is in solid north CarOlina. A hey, Derek, what's up?

Hi, how are you Better .

than I deserve?

How can we help? Yeah, I just say to help, I feel i'm drowning in bed right now.

Okay, tell me about 嗯 so I have .

a around ten thousand in um a personal alone because I recently come solid to my credit card。 Um I had always in a abusive relationship um and after I got out I found out the day i'll be ranked up close to six or seven thousand dollars and credit card did my name without me knowing about IT.

Um and you .

pay that all after contacting the banks.

they are cause 那个 yet。 Women, let me stop. Let me stop.

Let's find out where we are today. Did you take because you believe those lying thither bankers? Did you borrows money to pay off debt? That was not years because I was done with identity theft.

Basically.

basically what you do, you went buy of ten thousand dollars and paid off that that this criminal, you fraudulently using your name, opened up without your permission. And you paid that dead off. Yeah.

yeah. I had. I paid two thousand a little off ten .

borrow that you paid off the credit IT.

Yeah, I paid off the the credit cards. And then is there .

any dead outstanding that the criminal that you haven't paid?

No .

guns, son, you got screwed twice. Basically you don't that .

money .

do that money. When someone fraught ally, if I take your name and go open up a credit card in your name, you don't know the money that's called a criminal light. It's fraud. What identity .

there is the credit cards so I knew I will follow to show and I thought .

you said they opened up the card in your name .

without your permission yeah basically what happened was um I had them as like the emergency find never used N V N, that's different.

And opening up a car, they took your card that you opened up and use IT without your permission, that's different. understand?

Yeah, if your hand .

can come on your card and say go use IT, you're liable for that. If can common gozen opens up a card in your name without your permission fragility signing your signature, that's identity theft. You're not liable for that. Understand the difference yes. So you to hand the fiancee your card and they won't bookish with your card.

So I did even in the car that was best the biggest saying is um honey.

they used the car that open in your name as a point right? Yeah okay right? So you ten thousand dollars and what are you american?

So right now I make forty five, and then in five months i've making and fifty five.

what do you do?

So I am a try to be investigated .

for the state oni OK.

Yeah, seven thousand. And right now off, it's only seven .

thousand dollars. Take ten years to do this. So seventeen thousand dollars make tube debt for ion that right? Yeah oh lord, go get some extra jobs and be debt free by like spring. You're not working a forty eight.

So I work around but with much now is it's a lot of uncle and so most days i'm homer on nine ten o'clock just because of the nature of the job.

So you were in fifty hours a week. You were in fifty fifty hours a week for fifty five Green.

No.

you're not. Your own call, when your own call, you can drive.

Uber um we have to uh immediately drop everything drive to initiate that report. Um and there's a lot of time, twelve hours in a hospital on my own holidays um with a kid waiting for, I will leave a social work to come and and what are you when you get there？

You you got an entry ure income. You only need seventeen thousand dollars. This should not be overwhelming. Not much money. I bet you get .

two grain or the stuff you could sell if you could work on the weekends. You're on cold days, whatever those are. You're not work in seven days week. So this is a season where you.

the s seventeen .

grand is very dowle.

But you're not a victim OK you handed her the card. 嗯， you knew this was gone on. The only thing you're a victim of is being engaged to an idiot, and you're not the first one that's ever happened to.

So you roll up your sleep's hn, get on a detailed tight budget and get as many extra hours as you can, as much extra income, don't go out to eat, don't talk about vacations, talk to your supervisor about i'm not working eighty hours. You're going to have have some kind of a different plan here because eighty hours for fifty five grand don't cut IT the work. You're doing very important work and it's very good work.

You're taking care of kids who have been messed up. Thank you for doing that. You've got a good heart. But also you cannot sit and be a victim of seventeen thousand box man.

I mean, seriously, let me help you with this two thousand dollars a month and you are done in eight months, that's all you need. And you make fifty five. So is this is very doable.

You should be done with this in six months and then have zero debt. But this debt represents all this pain in your life. And so it's like feels bigger than IT is mathematically, it's tiny emotionally, it's huge and that's why you're you know you act like it's some kind of big monster IT.

It's seventeen rin. And you know no, i'm not staying in student on that for ten freking years for seven thousand dollars worth forgiveness. That probably isn't gona actually come because you're probably not going across every day and dot every eye.

A high percent of people that run that game don't end up with a forgiveness at the end. So you don't want to get in that game. You want to get the game of i'm a knocked this out, put all in the of your mayor, move forward and health and with with enthusiasm yeah .

I can feel the stupid tax we've all done stupid, every one of us and that's what you're feeling. You know, this is a break up SHE SHE took your card, you know, and so created this narrative. The way you have LED the call is that you have been victimized in in all real, you have IT.

And I think dave is absolutely right. The more you can quickly go, i've got ta get a Victory. And I would, if I were you, I would go sell something the day.

If I could sell l up for five one or books, or if I could sell five things for thousand, get a quick one and put a thousand dollars down on this step. You need something to get those shoulders back a little bit and there's no wrong with you. You aren't.

You're not drowning in this. This is all a mindset because of what's happened to you in the way that happened. Learn from IT, but get a quick Victory like happened to this, not let life happen to you anymore.

So quick lesson folks. You need to have under insurances identic third employees, I do because they will take over an account that is actually identity theft, is wasn't. But actually as identity they have, they'll take IT over and they'll deal with the banks.

The banks will lie you until you you you're responsible for identity that you're not when someone else missuses your name that is criminal fraud and you are not liable for a debt when a theefe uses your named to open up an account. Don't let some banker tell you that that's bullet crap and you need somebody in your corner with identity, that protection like under insurance, and that's why we've endorse them. Forgot a decade plus since the identity theft thing became a thing.

Are you guys i'm not a fan of the big banks. You probably already know which ones. I mean, but I do like credit unions because they are non profit organizations that focus on their members.

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This, the 牺牲， forgiving, generosity. Man, we love talking about generosity. We love encouraging generosity. And one of your favorite shows we do of the year is the annual giving show around Christmas time, and we're going to be doing that. So we want to hear stories from you about a time that you were able to bless someone, or a time that someone blasts you with generosity. You know, the good stories that make your eyes leak and inspire the rest of us to want to be more generous and be Better human beings and all that.

Ah we're going to do an entire show of general that it's called the giving show that we do go to ramsey solutions, not come slice, ask, put giving in the subject line and tells a little bit about your story will make you one of the stories we use that day. And that's coming up december the eighteenth. So you need to get this in.

You just got a couple days. Ramsey solutions, outcome slow. Ask, put giving in the subject line, phillip p is in used and high fill up. Welcome to the .

ramsey show.

Hi sure. What's up?

So my question is um I am debating if I should buy a house I currently own home that I would get to me for my family and I have a family and um after my the board I can have to restart over and after a long uh long battle I was finally awarded so after my d my ID with me time but I live on us uh in in a mobile home now that I mean but it's slowly paid for its minds. But I feel kind of a little the shame of IT. Could I know.

could I make good money?

And I may make about eighty .

six thousand years. K and the land that is on is not yours.

It's my pants pencil. They have multiple properties .

o and someone gave you the mobile home and .

so they had a mobile .

home sitting on their land and they said, hey, while you're going to hard time move into IT.

yes, they gave IT to me in the title for .

IT and everything, but they did not give you .

the title for the land.

not for the land, right? Okay, all right. Um how old are you?

I am okay.

嗯， you been through hell and you you need a soft spot to land on. You found a soft spot to land. That's not a bad landing spot. That doesn't mean we want to stay there, but it's not it's a nice thing that you're landed there. okay.

And and I spent the lesson, I I don't really play using a pay years to the light bill.

Again, it's a soft landing spot that's kind of nice. However, IT does not take you where you want to be ten years from nail. Ten years from now.

You don't want to be owning an ancient, rotting down mobile home on someone else's land. So this doesn't reject well into the future even though it's a very nice gifts into the present. Does that make sense?

Yes.

so we can be very grateful to moment. I am grateful to them. I think what they do was very nice.

But IT is not your turn. You're plan. okay?

Do you want to buy .

something that goes up in value and you on the dirt?

Yeah, no reason.

Be ashamed.

There's nothing ashamed.

We can feel that on you.

and you don't need to feel that way. You've been through a fight, shoulders back here and gure out what we to do to move forward. Your kids don't care about the mobile. No.

i'm not ashamed. That is a nice thing. But again, it's not your long term plan, not because of shame, but just because of math.

And so I spent the last year kind of just maximum four one k magazine on my roth, I was to say, about twenty two thousand. And in my savings account, the only that I had just a truck that I all about fifteen .

thousand wait off today.

OK now save .

up a good downed, save up a good emergency fund, three to six months of expenses, and then art and stop your four o one k to and brilliant, start saving up for a good, strong down payment on a house that's gna go up in .

value .

right now. How much land does your mom that have .

total um I would say about fifteen the one i'm morning out two acres um but they have two actors in the from property, they have property man， they own a property management company.

Is this property that your own addition to their home?

No.

it's a stand alone property.

yes.

okay. right. Well, I mean, just talk to them about if there are in property management, they know that this is not going up in value and that you don't know that there. And so mom and dad, i'm going to start saving for a downpayment on a home, which means i'm going to be selling off the mobile home or giving IT back to you. One of the tone, what's IT worth, do you think?

Say about four thousand.

It's okay. Just give a back to give a back to down when you get ready leave because they were written out before I weren't they yes yeah that you don't mess up the rental property but dragon that thing off so just just when you get ready leave, just say, hey, i'm not save up money and i'm going to go buy house but thank you so much for letting me land here on your rental property for a little bit and i'm going to give you the title this back when I leave okay, but thank you all so much.

I just be very grateful because you should be IT was a very nice thing. They did yeah. But it's not your long term plan that you can be both things that can be a nice thing and not the long term plan. And no shame is an either thing.

Is that okay? Yes.

I ate that. You are a good guy, making good money. You fought for your kids.

You land, know you get good family. They help you land on a soft spot. That's nice, man.

And there's a lot of good. There's a lot of good in the story. Fell p.

thank you. And you have .

in the mild of dad and tragedy.

you know you .

and twenty thousand.

And now he's going to go get a massive race when he pays the truck off. today.

Actually that long, we want that a big deal a day.

We ve got a lot of new people all the time joining. And I think this this would be a good refresher here why we tell people if they're not familiar with the baby steps they have, just join us in his situation, it's going to change his life if he actually gets in order and dozen on the right way. That's why we're telling to cut IT today, cut the payment today, right? To check, get rid of the the truck.

Well, I mean, all of that money that you are wasting on the truck payment goes to build up savings really fast and this goes a natural born saver yeah partly because you've been through hell and he were careful right but um but just situated as nature what I did and so just lean into that and go okay, now don't have truck payment, mobile home payment of IT to him living here I got util and I make an eighty five K I got beat some kids another than that let's go to town baby 嘣 嘣嘣 bm， it's fast to see. Save twenty two. He's gonna ve fifty .

two that's right and that's where you at the house. That's the magic of the baby steps.

time and and listen, there is nothing snobbish about a couple of gas in tennessee being told me not to do mobile homes. Okay, it's nothing about that at all. It's not it's not a clash warfare thing is anything.

It's a simple math thing. They go down in value when you put your money in things that go down in value. IT makes you poor or why is this hard? So a mobile home is like a car you sleep in IT goes down in value.

And so you don't go buy a fifty five thousand dollar mobile home and then look up ten years later and it's worth ten thousand dollars and wonder why you're broke. people. Don't do that.

Buy something goes up in value. You're Better off to rent, at least you're not losing while you're paying payments. When you pay payments on a mobile home, you pay the payment and you're losing the value is like when you pay payments on a car and it's going down in value.

So you know, I got a friend that in the mobile business day, would you quit trash mobile homes, trish, mobile home. It's not a personal thing. good.

It's simple. When you start making one that goes up in value, i'll advert as for you, but until the end, where do I going? Talk about IT.

We're gonna. I tell people, put money goes, uh, you my grandpa said i'll put money. I was about my car.

I was going, what's that? What's come up in investment? He was only my investment to go up, you know well, the right, and that's the thing. So you you really want to have investments like your personal residents going up in value.

And the problem of stinking mobile home is they set IT on a piece of dirt and the piece of dirt goes up in value faster than the mobile home goes down. So gives you the illusion you made money, you didn't. The dirt just saved you from your stupidity.

So don't buy mobile homes. And I hate buy one mom giving a whole four thousand. Give the more mobile homes for sure.

But but that's the deal, guys, is real simple. That's why we tell people to do that. Go buy things that go up in value.

This is what rich people do. That's how they became rich people. And that's how they get rich, get richer, and the poor get poor.

This is the rami ship. Live from the headquarters of ramsey solutions. It's the ramsey show. But we help people build well, do work that they love and create actual amazing relationships. Open phones at triple ate eight, two, five, five, two, two, five.

Can common number one best selling author, the book paycheck to purpose host to the kin common show? You're on the ramsey networks. He's my cohoes today.

Your jumping will talk about your life in your money. The phone number is triple, eight, eight, two, five, five, two, two, five. The college free.

And some say the advice is worth exactly what you pay for. IT, James is with us in Sandy ago. I, James, what's up?

I remember this is, uh, pleasure to be here. I really, really love what you do for people, and I thank you.

So we have a lost of patient. O 不 O K what's up？

Um so I have it's not this called him for me. Um I have a have a body that's very financially and they've made some very poor financial decisions over the last a few years. Um and I guess to start with um I guess where to begin as they have right now currently thirty seven thousand eight hundred uh thirty seven dollars of debt. Their minimum monthly payments for those debts is seventeen hundred and forty three dollars um their gross monthly income approximately ally is about one hundred k year plus reminds a couple thousand. Um they have a mortgage right now there behind one month of the mortgage is.

So they're currently at two hundred dollars a month to that's what the behind Normally twelve fifty um with all the with all their a basic household bills are looking at around I think four thousand dollars a month, forty thousand dollars a month um so my thing for them is they have two kids they recently had done last two years and they find a struggle to be motivated to go to their job ah what they go to work, but they allow overtime and h he could work more more than he is now. Um but I guess the problem with them is they're just kind of stuck in this whole there about negative seven hundred dollars a month. So do you have any advice them? I know right now we're doing eight percent on the following case because the company matches eight. Um i'm just trying to help help them out if they anyway can think you be the first person to call, but I recommend .

IT maybe you're very sweet. I don't .

know if you can help because I don't .

think they're going to do IT. No, I agree. I know I, but I think you're probably washed in your dad gump time work .

for me to try well, I think yeah a little bit.

but it's not worth IT for you to care more than they do about their own life. So that's a boundary you need to set. You need to walk and give us a little drive by if they pick up.

If they pick up a couple of patient information and run with that, then you can help a little more. But if I sit back and go, you don't feel like working. And i'm sorry, that one right there just kills me.

Okay, i'm broke. A, have two little kids. I can't make my bills, but I really, I don't want to miss, yeah, was stones on the dead gun television. I gotta home. I may come on. Get .

up .

your.

T I know.

I know. Call the one violence. alright. So here's a deal.

O, K, here's a deal. Stop for a one case. Get on a written budget. Stay out of the restaurant. Take all the over time you can, and sell the expensive car that in these number of somewhere .

yeah so they have two car loans, one is seven thousand and the other than fifteen yeah, almost like i've .

done this before yeah. Shall the expensive car stop? The for one case, get on a detailed budget, pick up all the over time you can pick up they really there's nothing wrong with any numbers here.

Oh, and before you start, before you start paying any extra on your dead, buy food, pay the light beyond, pay the stink and house payment. How in the world you're not paying your house payment of fifteen hundred when you make one hundred thousand a year? These people are mentally lazy too.

Yeah, it's it's tough to hear because I work in my wife pretty a more comfortable and it's hard to hard. I mean.

their house is not their problem, but do you don't get hand on your house payment when you make one hundred k of two little babies? Yeah, this is just are they doing drugs?

No, you sure now just one hundred percent.

This is like there's .

addiction in the house may be but I mean.

really because I don't other smoking weed, I don't want to work much and I didn't pay my house payment, you should learn a smoking weed.

The wifi, the wifi. Okay, right?

I thought so, right? yeah. Because T, H, C is like it's called an ambition killer OK.

Yes, just completely destroys ambition. There are no ambitious pot hand. okay? Yes, there are no pot hands with extreme more ethic.

They don't exist. So this is the problem. Alright, I think, but we got there.

You're very nice, James. The best thing you could do is a the jesus meeting with this dude. I just think it's a dude, man.

for you to grow up though the cigarettes in the pot, in the dead gump ditch, you and your wife started like grown up. You got babies are responsible for, come on, man, adult up. Man up. You're making excuses for head likes.

Some things .

are so IT they're probably so a lot of potato are but it's just, you know, care late. You gotta kidding me. Is that just, ah, I know this call .

when you can have this much illogical .

stuff going on out, get down there. I've done this too long.

He doesn't.

Here's my cat used to say financial problems, including when dave rams, he went bank rub because he was stupid, the guy, and talking about right here, financial problems are not the problem.

There's a symptom.

What are they the symptom of? In my case, IT was arrogance and the need to look cool and drive a car I couldn't a forward and backdrop I couldn't afford with money I didn't have, and build a big real state portfolio. And I got rich quick instead to get rich slow, because i'm smart air by else.

And I was a stupid little snotty SE, and I ve got the tar knocked out of me because I was an idiot. And that, but IT was the the problems or not, the problem there were the symptom, these people's symptoms or not, their problems there, the symptom of what's gone on in their house, the this function in the household, and that's what you're facing. So you know, another example that is we've sadly, with thirty years or forty years now working with people with financial problems, we end up spending a lot, and you do with careers to end up spending a lot of time with people that are recovering from addictions.

And so we don't weren't not addiction councillors. We don't know anything about IT. Technically speaking, we've only got thirty years of dealing with adults because one hundred percent of addix have financial problems, hundred percent you addicted to born, a hundred percent the time you're going to end up in our office where you student house and for closure, if you don't break that, you're addicted gambling, oh, that want to get to their real fast because that's like money.

Stupid, right? And go straight to the heart of the thing, you know, you're doing drugs. You're doing cocaine.

You're doing alcohol, hundred percent of these people. And I was with a study on other day. He's been driving for two years.

He was doing cocaine, is doing mountains of cocaine, has been off for two years. And ro proud, I said, why you quit IT, I guess realises there's no old cocaine. There you go.

Well, yeah, but the addiction is the problem, the symptoms, that being the financial issue. This is the rampage show. Hey, guys, i'm never done this before, but i'm partnering with a nutrition company, field of Greens.

Each fruit and vegetable in field of Greens is selected by doctors to support heart, liver and kidney health, plus metabolic for healthy. And your doctor will notice your improved health or field of Greens will give you your money back. I can get behind the promise like that held of great and fifteen person off with field of Greens dot com slash ramsey.

It's cyber monday week. And if you're looking for Christmas gifts that actually make a difference, we've got get by selling books like breaking free from broke baby, step millionaire and more for just dollars, or audio books for just eight books. Now your chance to give something that'll help your friends and family build wealth, transform their relationships and find work they love, visit ramsey solutions dot com slash store today RAM c solutions dot com slash store can common ramsey personality is my cohosh today.

Bin is with us in dataand, ohio. hyden. Welcome to the rami show.

Thank you, dave. God to be here.

Good to have you, sir.

What's up? Yeah, so I have a question regarding White. sure. So i'm looking at the policy, the loose ander at ten of times my income and the last variable my wife, I need a nail down is the duration of the term life insurance. Now i'll take enough to you before. Now you Normally recommend fifteen to twenty years, but my question is that is if that's the right for our situation so I have other context, the gift there but I let you go.

I hadn't ask why. Why would you think it's not? What does the content?

Yeah so um basically over the next ten or so years, my wife and I intend to have more kids. Um so like a lot of life coming out in the next ten years. And I first you mention on the show before I that again, life coming stages, it's not all at once and you want your insurance to reflect that.

So my thought is doesn't make more sense if we keep having kids over the next ten years to get a policy that ten years and then at the end of that get one that's twenty. Because if I get the policy now that's twenty years, are child is on the way, should be out of the house apply at that point. But if we have kids in ten years, I would need to take out another one. So does that make more sense to take a shower policy and then take out of twenty or maybe twenty five year policy at the end of fact, rather than just taking out of twenty your policy now that I know I will probably end up changing in ten years.

let me your first babies I create. congratulations.

Thank you.

Appreciate that. And you're a good dad because you're thinking about how to make sure your kids and your wife or taking care of way to go ban. Well done, sir.

Well done. So you're not gonna mess up. You're doing fine. You can do your plan or you can do whatever. The only thing i'm positive love is a bit of a nerd and that's a wonderful thing I am too by the way, I saw recognize IT and so you're over thinking this is not going to unfold the way you've got IT in your head. So the variable is not the number of kids, the variables, your income.

So ten times your income the days can be different than didn't times your income five years from now or twelve times your income ten years from now. And so um that's what what I ended up doing and you've heard this apparently but I repeat IT for the era by ice out because when you reflect this back, I know you heard this. I did fifteen year policies and then never saw often about another another five years later, about another fifteen years.

And then those would fall off at the appropriate time as the liability for the children go down. So the goal is when the life insurance runs out for you to be debt free and have a large ough natig, that if you die financially, your wife doesn't care. okay? So you ve got a million dollars in mutual funds and you have no debt.

And the kids had Brown gone. Those are three things, right? So they're out of college. They're not on bomb's payroll in any way if you're gone. And so that's gna work out, you know.

And here's the thing, as long as you keep your health, you could do your plan or you could do, you know, three different versions of fifteen year policies, which is kind of what I ended up doing. And then I end up adding one because we are building a big building and sharing us. I don't want to finish that building with my money. I want to finish IT with your life insurance money.

If you died or in the building, should had to buy one for her just because that's what you wanted IT was this double, you sure? And wants IT had nothing to do with the ancient planning IT was like a Christmas present and so um but you're gonna end up not just what I mean to stop what I had IT all nerd figured out and nothing ever works out the way i've got IT figured out when I look back on fifteen, twenty years later. So if you do IT or why you're gone, be fine.

You're covering your family for ten to twelve times your income. If you pass away with one or two babies in the house, your wife will have plenty of money. Live off of the principle or live off the the growth of the principle without touching the principle and have replaced your income and shall be OK and and that's not gonna know if you got three year old and one year old, she's probably not gonna just sit there and doing nothing and play that out for seventeen years.

Exactly that way usually doesn't happen. Hard life will change after you're gone to so that there's all these things that happen that, that are hard to quantify the variables. But the good news is if you've got a good long policy, ten, fifteen, twenty, that's fun.

I wouldn't fall with thirties. I don't think they're worth IT, but I did fifteen. A series of fifteen is what I did. And at each time I really assessed as my income went up, I needed more insurance. I just not the policy. And then as we got out the back end of the story and we didn't need insurance, they start falling off in five year increments because i'd bought them in about five year incremental. So that's an okay way to do IT.

What you're talking about similar uh, and what you really end up looking at is the difference in premium between a fifteen and the is not much difference and you don't save a lot and it's not a lot of difference between a ten and a fifteen usually because I mean, you're Young and the whole stinking dantis, the cost of a pizza. So if you're Young and healthy, if you're not a basin, you don't smoke and you're your twice this stuff just doesn't cost anything. And um but though I mean smoking and obesity will run IT up, but um if you smoke, it's just double even is just double and and so you know that's a thing, but you know you guys did the some more stuff.

you insta yeah absolutely. I mean we but we follow the income. This was the key lesson. The variable is not the kids is the income.

And so as my income increased, I stayed right on top of that and kept changing based on what you've always thought. This is before we i've going to work for you. So that's the variable IT keeps its simple as your income goes up.

then look at the policy, add a little bit more and you cancel the a smaller on top of and that way you've got him faced and and phased out. And that's an easy way to do. And thunder can help under insurance, can help you with all that.

And they do a wonderful job. They shop among brazilian different companies. I get you the best Price guys when you're buying insurance of any kind, particularly life insurance and uh uh P N C, hookers and car always go with an independent broker that will shop among a bunch of different companies and get you the best deal.

You don't want one that has a listen, if they have a football player on their advertisement, they are more expensive. So let me help you. Okay, my homes and painting manning, okay, two oven state farms is super expensive, right? Somebody's ta pay for all those dead gun to football commercials.

And it's you boys and girls. So you say foreign that choose paying for IT. So you telling .

me jake is not the friend that we think.

I'm telling you that if I if I see another stay farm commercial like back to back to back to back to back every day to them about the throw up, oh my god, you can watch football for these people, right? I wish they just get back on the field of employees. And we enable .

to that gin commercial, that painting versus painting. And that one drives me an, that painting versus painting I did .

is too much. I and I am a walking dead joke and I like.

I want to be reminded my.

but I know, and he's a wonderful guy. And IT does have a great sense .

of humor in general. I want to point, because of a lot of people, that, again, brain new community are this is growing the life in shirts and are so good at what they do. IT is such a pain free process from start to finish, from the time you call him, to the nurse coming out, taking your blood, to the paperwork. I got to tell you, IT is, I think a lot of people like, oh.

what I got to you just say the nurse taking my blood is is paying .

for you heard you say that they come right to your house. Simple paperwork is easy. I just, I don't want people to know IT is such a easy process. IT is a comparative .

to the other stuff in life that .

you have to take care of and they didn't get more important.

But you like for us on P. N, C, if you go one of the elps in your shop, IT on your on your home owners and your car, you're onna save like eight hundred books, probably on average show annually over what you're paying on car and owners.

So and that's simply because not because that they have like the cheapest insurances, because in your situation, they're going to look at five or six different companies or eight different companies are going to find the one company in your situation that is the best deal. That's right. And that's what you want when you when you're an entrance agent and you only sell for one company in the business, we call that active agent.

So a nationwide agent. That's the guy that rex, everything right and that the commercial is that nation, what I can even remember. Now let's all stay.

So IT didn't work. The add didn't work because it's not even memorable. okay? Yes, the guys membership, but I can yes.

yeah, that's still the reason I .

watch those that watch destroy and over, over and over and over. So shop, shop, don't work with the captives. Shop among a bunch of different, get an insurance broker. That's a different thing. This is the rampage show.

This show is sponsored by Better help. Aren't hate that time of year when is getting little holders, getting dark earlier? And sometimes we just want to stay insiding get cozy for me.

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Can callon ramsa personality is my cohoes the ramsey show question of the day is brought to you by why refer? We trust. Why refine? Because they helps people who have defaulted private student lunch.

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Today's question comes from Venus a in indian. I'm a twenty one year old who will graduate college in the spring with my battery's degree. How I supposed to go about getting an entry level job when they all want full time experience.

I had part time job well in school, but they don't really relate to my career path. Well, appreciate the question. I've into this question thousands of times. The answer is um it's not entry level if it's requiring a bunch of experience.

So what just can't be so uh what you do is as you you retaliation ate you go i'm trying to get on rat long wrong of the latter two, three or four and I need to drop down to the lowest one on the latter. And so if IT is by definition a entry level job, then they're not going to require a bunch of experience. And what happens most of the time as people have their eyes on something a little bit bigger and they go for that and they actually are require experience.

So how did someone get into that job look lower? I can promise you there is, in fact, entry level jaws where you do not require any experience. So this is all about reality. And patients would be the two words so that you see the right things. And I appreciate that you want to get something a little higher up the latter.

We all, do you think that matters? IT matters more. I'm talking about from an employer position on war hiring. IT matters more. If if her degree is in a technical field, then all they want to know is SHE can accomplish the technical task.

That's correct.

If IT is in a broader soft skill field, let's say communications, okay, and we want to go to work in P R, that's not A A technical tactical thing or soft skills involved there. I would be more concerned with experience there than I would someone as A, A, A developer. That's a technical scale.

Exactly right OK. So if you've got a if you ve got a certification as a developer, um we might put on the job offer. We prefer experience, but i'm not going to we're not going to require that as harshly as we would do something where soft skills are involved .

as that makes sense. It's exactly right.

yeah. Depends on the field.

IT depends on the field. So let's take that example. Let's say that you you got a degree in accounting or pr something and you're going over something whatever IT is and they're saying, okay, you don't have any experience even in classes or in summer work.

You've not internal and it's not the sky is falling, then you simply go, okay, great. So I need to go get that and so I might need to go to do, uh, go get two paid part time jobs or a part time jobs. And i've gotten get some intern experience, and I get that basic level experience. And so now of a sudden, I have checked that box.

When the other thing that comes in a play is that's just something an employer sometimes will put on there as almost a screen yes um and ah would they necessarily never hire someone with zero o experience? That's not true. They would in certain circumstances because all they trying to figures can you do the job?

Yes, in the principle .

can help that I can.

And I think you also yeah into the proxy principle where i've got people that are in that industry who i've spent some time with another go pups of doors. But I want to go back to what you just said and that's gump tion. I think you're absolutely right. Here's what I would say to someone coming around our college. If they say you need experience in a communications, are unique experience with problem solving, you know, I would do instead of saying, like this, Young ladies said on the marketer, my part time jobs didn't have that experience.

You know, I would do I would look back into my high school and color experience and I would say, you know what um I was in charge of the year book my senior year at a large public high school and as the student editor, I had solve problems all the time. I'm not saying you're going to get the job because of that answer, but there's the gumming point they're looking for. Do you want this? Are you hungry?

And can you say right?

But if you say I solve problems by doing this.

we had deadline. But if you look down and go well kick in, I don't I don't know, I apparently don't have any yes. Well, you're just managed to get a four year degree that was like you pushed through something or you .

there's just more transferable experience than people realized when you're sitting in these job interviews. They want to see that you can think on your feet that you got some gumption to say, I believe I can do this job. That's what they're .

looking for because you're gonna train you you you are the product diamond is whether in to more in IOS. Hi damon's, and welcome to the razi show.

Hi how are you .

Better than I deserve?

What's up 他的 question？ Um my a employer has offered me to buy into ten percent of our company. I'm an electric with a small company is outside of a the moon river. Um i'm on baby step too now my wife and I we both make about one hundred and ten thousand together um we uh see uh I just didn't know if I should continue the baby steps which I guess among baby step two or if I should direct my focus on to trying to get um ten percent for one hundred thousand dollars is what out is how to get that ten percent and I wouldn't for sure if I should put my focus for getting some ownership into the company where no.

you should look at your boss, say thank you for your kind and generous offer but i'm in the middle getting out of debt right now and so on. My wife and I have to focus on that i'm so sorry I can't do IT and let me tell you why okay, one hundred thousand dollars for temperature of that company is you said it's a small company and and that you just value that .

a million now yes. And I don't I guess I don't have I don't have all the all the numbers on the company.

He just can how employees does that have?

Uh we have ten employees um under this year they told that will on track to one point four million and last year um we did one point seven million for a couple.

How how, how are you?

My wife, twenty five.

Okay, do you want to work for him for the next ten, fifteen years?

Uh, yeah, I actually used with in the city. I worked with companies that have in of three, four hundred employees. And I really enjoy the real life and I really enjoy.

So here's a deal. That opportunity will come back around if IT is a good or .

not sure IT back around and is let me teach you something about small business purchases. Okay, what you are purchasing there is called a minority interest, meaning you do not have at least fifty one percent, meaning you don't have control. You follow me yeah.

Instead you have absolutely zero power with your stock zero, so boss man can decide to run this thing in the ditch and suddenly your ten persons worth nothing and there's not a stinking thing you can do about IT is so you do not buy minority interest in small businesses, period. And number one, for any Price, if he wants to give IT to you, fine as a bonus. That's okay.

But no, we're not onna. Give him one hundred thousand dollars and you have zero control over anything in the company. Your vote means nothing because he he holds all the cards.

You follow me. He can, he can go. He can go deeply and dead.

He can develop a cocaine problem. He can do whatever. And there in squad, you can do about IT.

And your hundred thousand gonna become more zero of any. Those bad things happen. And sometimes those bad things happen not all the time, but sometimes they do.

So don't do minority interest in small businesses, period. And I think this one's overPriced. And then when you're in that, so just be kind and generous to him. I thank you for your kind of i'm honor to be working here.

I'm going to continue to work and pour the field luck and supposed to and we visit this discussion later when I was just bite the whole thing from you or something. But for right now, i'm get not a debt and my wife and I you have to focus on there. That's what you should do.

Sir, this is the ramp show. It's cyber monday week and if you're looking for Christmas gifts that actually make a difference, we've got them get best selling books like breaking free from broke baby step millionaire more for just dollars or audio books for just eight books. Now your chance to give something that'll help your friends and family build wealth, transform their relationships and find work they love.

Visit rams y solutions dcom slash store today. Ramsey solutions that com slash store. Can holman rami personality is my cohoes today.

Thank you for joining in a america. It's a free call at tripoli. Eight, two, five, five, two, two, five folks.

One hundred percent of the people that do anything successful do IT as an act of intentional success, is not an accident. It's not random, it's not a lightning strike, and it's not A D N. A issue.

He's a born leader. No, is not. I've been to the hospital.

They always say it's a boy, it's a girl. They never say it's a leader. Leaders are developed.

a series of intentional acts.

You learn the character qualities and processes of leadership if you want to be a leader, a successful one. He was born a great husband. No, he wasn't.

Ask Kenny wife ever. There's no such thing as a borne grade husband. They have to be developed.

I'm not sure if you ask many wives, i'll say there's .

such a thing as a great husband. My one described I was .

that because .

of everybody know so anyway that. So the thing is this winning with money is an intentional act. You have to tell your money what to do, because broke people always wonderful.

I want rich people tell their money what to do, and they have a plan. Broke people, then god is friday or god is, I should hope trump fix my life because burton didn't trump and can fix your life. Honey, you going to a bunch of corrupt but fiction your life in any of IT.

I can tell you that it's not his job, by the way. I wasn't the gap before his job. The gap before him job, the gap before him jar job.

So on paper, on purple, you tell your money what to do. That's called a budget. If you want to help doing that.

The world's best budgeting APP is called every dollar. It's in the APP store for free or the google play store. Get IT and download, put IT on your phone and start making your money.

behave. It's an intentional lack, boys and girls. Brian is whether in santonio, texas.

Hi brian. Welcome to the ramsey. Show a little different .

team at a pleasure.

pleasure, sir.

how can we help? Well, I just wanted to just take on making sure, not crazy. And considering eighty thousand new car, a test.

one model s cool. Nice car.

Yes.

sir. I so what you make.

well, I make three hundred and sixty thousand dollars a year.

cool. What's your network?

I've got a without the house included.

no. How this party? Your network?

What's your net worth? Okay, about one point two. OK going.

right? You got the cash to .

pay cash for IT.

Okay, buy IT.

OK. Let me tell you what.

Let me the rule of my use on this. Okay, three, now ask those questions. We tell people not to about brand new car.

And as i've got at least a million dollar networks saying check box OK because new course go down in value, including testers, they don't go up. They go down and you can't afford a appreciating asset. This brand knew when you drive IT off the lot, that sound bloom when you go over the curb was ten thousand box.

Okay, that's what did you ve got to be able. You ve got to be able to choke that down and you can choke IT down and you don't buy new unless you you got to make a dollhouse tworog do okay. Second thing is don't buy depreciating assets things with motors and wheels, in your case wheels um all added together that equal more than half your annual income.

You make three sixty rebound eighty the solution every in your income. I'm assuming the other car, if there is one, is not you know not a two hundred thousand or a car. So you're probably okay.

Yes OK. So because you don't want too much of too much as a percent of your income invested in things that are going down and value again, same thing. So like i've got a friend that made fifteen million last year and um he bought four hundred and twenty eight thousand.

Not a car that kind of blows my red neck mind. I have my have a hard time, get my head around that. But its a very small percentage of his income.

It's like most people buying a biscuit, right? And so yeah not gonna hurt his finances at all even though you know you know jealous people say stuff like no one should ever. What what gets people say no one should ever.

So you got if you're made fifteen million last year, you're going to for a four hundred thousand or cars. You made three sixty you can afford to eighty thousand or a car, you're got a million dollar plus IT worth. You can afford a bb on brand new car.

That's how I just underpaying. Catch are not gonna oro money. That's the three things I was looking forward. You checked all three boxes.

And hey, he's done in the right way. And so this is he had to wait another thing that when dyve walked through .

just lad George right air with their test, because I would have had to put up with a tesla stuff, telling you got to buy a tesla c, because there was no chance i'm doing that. But those two, both are tesla drivers. So you just batteries.

even if they came out really cool .

looking when they actually a cool car, I just, I need, you want to, I need like an APP for IT that makes some buffer ler sound, right? Because rednecked needs a loud just they do that.

They these are yes, absolutely. But I don't think .

it's enough for you. I think you want to you like .

the hint of petrol in the air that's IT you want to smell that you're driving.

It's actually i'm trying to help the planet. Well, I mean, the planet gets destroyed by making those batteries more than me drive in my rapt.

I can tell you that. Oh, so you're .

Green down with OK what .

you say.

open phones at triple ate eight, two, five, five, two, two, five, baby. And is with us in los angles. Hi baby. And how .

are you hi doing? Good sir. And when I say i'm first time that you my future life and bend watch you show we bought your books and i'm turning on because that we appreciate you very much.

Oh, thank you, sir. How can we help you to day .

so and you to do that, things that you do where you pretend I from your son and if making an overall good career choice, um I want to be with the switch careers I feel like always in my chinese on then what do you do now?

What do you want to switch to?

So um the last years I did uh project management and construction on blueprints, and I really like that. I've been doing restaurants for ten years. I went back to IT um because IT was a venture with a farther company and went down hill and I back, right and in fact, what else good at um so yeah doing restaurant for ten plus years and construction blue prints to permit for two years.

the past two years. So you want to go from restaurant management to this construction blueprint stuff?

yes.

Ky, so what's the question?

Do you think the construction industry is a good career path? And I yeah and how .

do I .

make IT which over? Because um I never want to school but I learn how to like work with .

does that require? Does that require if I really hand IT to you today, does not require a college degree to do to do the the .

snow project managing rena blue e print. Most people doing IT don't have college degree. There is a few people have a construction management degree, but almost none in the business.

Sounds like you ve already got enough experience to get in the industry. So the question is, can you get back in IT and make the kind of money you need to make?

Yeah and how then do IT as, uh.

I get yeah .

so my voice is keep .

working in the restaurant business until you lend the job doing what you want to do. And so there's no interruption of income. This is not scary if we do IT method ally and we're and we don't stop working and that's that's the guys you .

used to work at the startup um the constructions business startup before. Where are they .

work in IT was a remote company.

IT was the .

local find out where those guys are working and .

they may they may talk nice about and help you get a job there.

Oh, you mean like the a guys .

you used to work with in the construction business, find out where they are, that company was to start up and went down. 女神， now go find those guys and run that to ground and they'll get the door open for you. You get going, but you don't.

Yeah, you need to go to this solo.

So got this, walk out there on the job site, start talking to people who is hiring. I know how to do this. I'll help you and just walk in there and start reading blueprints project.

Managing you not to do IT IT can be done. You really you already know. You don't have degree, you've already done. This is the ramsey show.

Hey.

you're still here. What are you doing? You do know that the rest of today is show is playing right now over on the ramsey network up, right?

All you gotta do to finish the episode is search rainy network in the APP store, google play store, or just click the link in the showed tes to download the APP or free. You heard me right for free. Then right there in the home screen.

You can watch the rest of today show about being bottle. All right, i'm get out here. enjoy. We will see on the APP.