It's Monday and this is the Ramsey call of the day part of the Ramsey network Joining me today is Ramsey personality Anthony O'Neill Brian is with us in Greenville, South Carolina. Hey Brian. How can we help? Hi, Nathan for taking my call sure what's up?
So my question today actually is advice on what to do with our tax return We've got about 6,000 playing on coming in from that and we're on baby step two So we're choosing get to pay off But at the same time we just bought a house at beginning of this year and it's an older house 1957 and the inspector said that the AC unit actually is on its last life And then it would probably be going out soon and we've made it thus far in the winter But it from the outside it looks pretty bad And so I'm worried that it'll go out if we spend this tax return will end up happen to come up with money to replace that So I'll see you're in Greenville, South Carolina So by you don't need an AC. Yeah Right So if it goes out in July you go to Walmart and buy a ten dollar box fan, okay, how much debt have you got left? Well, not including the house in about 30,000. What's your household income sir?
Only about 26 to 30 for you and your wife combining come my wife is a stay at home on the kind of hitting paid under the table baby Okay, and what do you and so you're working 40 hours? Yeah, how old are you? 26 what do you do? Forklift River for a local warehouse.
Okay, so what are you gonna be doing when you're 30 that makes twice what you make now? That's a good question I've I had surgery a couple years ago and it is really limiting my options as to what I can do So I'm still actually in the process of trying to figure out what I can do So it affected you physically but not mentally. Yeah, so you're gonna do something that's called white collar. Okay, right using your brain Yeah, any education Brian?
Three years of IT, but no graduate So why are you not working in IT? Because in college I took the same math class about three times and wasn't able to pass it with a high enough degree to continue in the Four classes in the degree classes. Yeah, but what did you learn? Did you learn programming a little bit of programming and networking?
Okay, so even if you couldn't pass the the math class, can you work on a computer? Yes, sir. I'll pay you more than driving a forklift Yeah, like definitely we're on the answer to this question, man. I'm listening to you and I don't hear motivation I don't hear aspiration.
I don't hear like you. I really want to do more like what why are you living today? Like where do you see yourself? What do you want in the next 10 15 years?
Well To be honest, I wanted to do I can't I wanted to join the military I wanted to be in the police force or something like that. That's more physical And so I didn't really have a backup plan when I heard that I knew the off my feet and IT. I was never excited about because that One on biggest weaknesses is being a gamer And so I didn't feel like it would be a good idea to be in front of a computer all day You know with a chance of getting into Different gaming stuff or whatever plus I like to be more hands-on So I didn't want to really be in an office. I could help it got you So you're gonna be in an office.
Yeah, because you're not gonna be in the military and you're going to office forklift Yeah, and you're gonna be doing you're gonna be a software engineer, dude Yeah, I mean if you love gaming won't we take all those skills in that love and let's use it for something the reason we're going into this is It solves your air conditioner problem. Yes, because you don't have an air conditioner problem. You have an income problem Right. That's why we went there Okay, so we're gonna get the cattle prod and zap you off that forklift ready You feel it?
So I want you I want you by this time Let's see by the first of March. I want you to have talked to three people in the technical world about you doing some side help for them While you keep your day job. Yes. I want you to sneak your toe in the water and reset your dream You're too young to have your only dream destroyed and you do nothing the rest of your life You have too much potential.
There's too much for you to do in this world. Yeah God was not surprised that you got hurt and he has a plan for you, right? And I don't think there's no there's no shame in driving a forklift, but I don't think you're there because it's your passion to drive a Forklift. I think you're there because you're hiding.
Yeah. Yeah, and it was the easiest answer. Yeah It was one of a program came up when you turned on yeah, yeah And here's the thing Brian Dave told you something that's key and I do not want you to miss it And before you hang up I want you to stand along because Kelly is gonna give you one of our friends King Coleman's book the proximity principle He told you to talk to three people in a tech world and work for them on the side What's key is there is that not only will you get income on the side, but you're gonna build relationships What if you could make $200,000 a year working for a company that creates games? That's it and I start to do relationships as a gamer?
Well, I think that will be better than any plan you had absolutely probably though even the other plan that was your glory plan Yeah, I mean it's because you love gaming and your brain works that way. I know that because you gravitated towards tech. Yeah, none of this was an accident Yeah, so hey man I just I want good things for you Okay, so what I'm gonna tell you is I'm gonna take it $6,000 and pay it on your debt And I want you to get an extra job in the tech world and pay off your debt even faster And while you're working the extra job if your air conditioner goes out this summer You can stop your debt snowball for a little bit work a hundred hours a week and at the extra tech job and then buy you an air conditioner Yeah, but right now I want you working the debt snowball, but dude this is not about your debt snowball I think we got a hold of it It's about your career track and hold on Kelly's gonna pick up We're gonna give you a copy of Ken Coleman's book go to Ken Coleman calm his website download all of his stuff It's all free and we gave you the only charges for which is the book and he will walk you through how to get this going man Yeah, and but it's exactly what you need to do you need to start poking around the career of the tech world and get off that forklift Because that's not gonna take you where you want to go. It's not because it wasn't your goal I mean I got a friend that owns a forklift company if you want to work with company you can do it if you if that's what you want to do But I don't think that was your plan.
Nah, you can hear it all in his voice Dave and that's my thing. What time is up? But you called him out. I did you call him out.
I didn't call him out there You just Buzz buzz boom boom right over doing under the bus first on good. I was a bus. I love us. Yes.
I loved it. Yeah Thanks for tuning in to the Ramsey call of the day to check out all of our podcast just search Ramsey Network on Apple Podcast Spotify wherever you listen