I've been following the plan for quite a while. I got rid of my car. I take down all my debt. The only two things I have left are my student loan debt and my mortgage.
I've already done 98,000 on and unfortunately on my student loan by O today, 142,000. Last Wednesday I learned that my position at my job is going to be eliminated and I will be without a job on February 1st or on 2nd and I am kind of freaked out. I feel like I don't have a job. I only have about 25 and 401k and obviously I'd want to get that student loan debt out of the way but with my separation I'll get a 7 package but it's only going to be about 16,000 and not before taxes.
So I am not sure. So that floats you three months? What do you think? Yes, three months.
Okay. What do you do? I am a facility planner. For a guy who's not very smart.
I managed for a large healthcare company. I managed the plans before plans and where people sit and you have a little allocation and things like that. You have a literature chance of getting a new job quickly. I hope, well, good.
It took me a couple of years to get that job. So John, I'm glad you're on this call. You'll understand that I was on disability for some years and was able to get back into the job market and this was the position that landed and it's been a really good position for me. I worked for home.
I'm kind of nervous about the things that go around with social anxiety and no sense of things. So I'm going to give you a word. I'm going to give you a word. It will be but I'm going to give you a word that most it might cause the people listening to inhale sharply.
Okay. Okay. But I'm telling you this word because I believe in you and I trust in you. Okay.
You have an absolute emergency on your hand. Tax season is coming up fast, which means a lot of you are paying more attention to your money and maybe realizing the holiday damage. So if you're trying to clean up the budget and start the year strong, cutting your phone bill is an easy win with boost mobile. Keep the phone you love and pay just 25 bucks a month for unlimited data, talk and text forever.
No contracts, no traps, just predictable savings that help you stay in control. Switch now at boost mobile dot com slash Ramsey restrictions apply C website for details. You have an absolute emergency on your hand. Yes.
And agreed. And you have proven to yourself, you have documented evidence over the last few years that you are not who you once were. Exactly. And these kind of big events, a job loss of somebody passing away who we care about, our body wants to drag us right back into this is how we always handle things.
Right. And what you have a bonafide emergency and you've got a tiny little runway to land the plane, right? Right. And so what we're not going to do is turtle up.
We're not going to agree the heck out of this thing, but I'm going to say this is crazy. We're going to agree that later. What we're going to do is start applying for jobs like mad and we're not looking for careers. We're not looking for exact replicas.
We're not looking for perfect work from home situations. We're looking for two jobs that we're going to go to in the morning and in the evening and we're going to feel the social anxiousness. We're going to feel it and then we're going to go through it because we have an emergency on our hands. And on the other side of this, you're going to be so frickin strong that the landscape of jobs available to you will double or triple in scope.
You get what I'm saying? Yes, I do. It's going to be hard. It's going to be scary and your body's going to want to go back to what it has done in the past, which is turtle up and just and wave the white flag.
And we're not doing that this time. You've come too far. Exactly. And that's exactly why I'm calling because I felt like I was my instinct was to go back to that old thinking and like, no, I come for a while where I do that.
We're going to apply for coffee shop jobs. We're going to apply for maintenance shop. We're going to play for every waitress jobs, everything, everything. Okay, everything because what you need right now is a reason to get up in the morning and be you need money.
Think about this. If you could work so hard that you didn't need to touch the 16 K that's the goal that whole thing of the debt once you get some stability. That's the goal. You're going to be on cloud nine.
Yeah, exactly. That's what I was thinking. And I just make the goal. I'm doing a lot of bad person.
If you touch the 16 grand, I'm not mad if you use the severance. But how cool would it be if you didn't and it really propelled your baby stance instead of waiting three months, the money runs out and you go, well, I guess I need to find a job now. That's not going to help anything. So I'm not going to do that.
We're going to apply for fancy jobs and you know the difference when I'm saying I'm not trying to be a jerk, but we're going to go get waitress jobs, home depot jobs, whatever. And we're going to apply for the facility management jobs, these bigger picture things. They're going to take longer. They have longer processes.
We're going to apply for those in the evenings and at night. Okay, sounds good. We're going to send you Ken Coleman's find the work you're wired to do. It has to get clear career assessment in there.
And what it's really going to help you do is figure out, Hey, what are the skills behind the work I've been doing that I really love and enjoy and I'm good at? And what other roles can I apply that to? Because right now you're thinking, I need I'm going to type in these keywords. And I think there's so many underlying skills, you can take a logistical nightmare and clean it up and organize it.
Sure. That's an amazing skill to have. You can apply into anything project management. That would be a great field for you.
What is your degree in? I have a degree in interior design and a degree in psychology. I love it. So have you pursued interior design at all as a career?
I did. And that's kind of why it took me so long to find this job because I felt like I wanted a very specific commercial job and it just wasn't happening. So then I found this job or career reach up. Well, on top of your, you know, your job shopping, I contact 10 interior design companies in your area and say, Hey, I have a degree in interior design.
I'm ready to start tomorrow. Okay, I will do that. I mean, you got the degree in it. You spent a pretty penny to get it.
Might as well give it your best shot. This might be the on ramp you needed to go. I needed to get laid off in order to go pursue the thing that I really wanted to do. But here's your key word.
We're going to go. So we're going to act. You'll be no hours left unspent. Twiddling our thoughts.
You're going to close your computer screen and go for a quick walk on your neighborhood and you're going to put your head on your pillow exhausted because you've been working so hard. The energy has to go somewhere, right? It can paralyze you or you can do it to solve this present emergency. Exciting?
She's paralyzed in excitement. That's so great. Thank you for the call. Let's talk about this because a lot of people we talk about this on the show that it's like losing a loved one, like the grief of losing a job and the shame, the guilt, the fear, it's like all the emotions in her situation having a diagnosed anxiety condition.
The thing about anxiety that's the worst is the only way through it is through it. And so you're going to have all of this these feelings. You're going to have all these emotions. She has an emergency and millions of Americans have an emergency.
And what many people do when there's an emergency is either they run around bananas or creating more mess or they just take the foot off the gas, put the car in park and exhale and she doesn't have that luxury. She owes a couple hundred thousand dollars in various things, right? So we're going to have some direction. We're going to go get a job, get some money, get some connections.
We're going to apply for some jobs. We're going to read a book. We're going to have coffee with somebody who's in a job at Jason. We're going to go do a bunch of stuff and the weight of this, dude, I got fired.
They took my job away. That's what I need to do. We're going to, we don't have the luxury of just stopping for a season. We're going to go, go, go, go.
I love that. An object at rest stays at rest. Once you stop, it is so hard to get moving again. Yes.
You get comfy, you get your favorite blinky, you're watching your favorite Netflix show and you go, wow, that's a problem for tomorrow. Yeah, it's hard to get up from the couch and just go to my room to bed, right? I should have stayed up and gone to bed and got the extra 30 minutes of water for five minutes of sleep. Similar here, if you exhale and be like, well, I've got the 16 grand, that 16 grand will be gone before you can sneeze and now you're going to be in a real mess.
So you got to take your job away in a month, time goes over and it's time to hit the gas and go. Create your free every dollar budget today, the simplest way to budget for your life.