35 Burst results for "Ramsey Solutions"
The EntreLeadership Podcast
Personal Brand: How Do People Experience You?
"In today's episode. We're talking about building your personal brand which connects to our business driver of you guessed it personal our guest. Today is tim newton. He's the senior creative officer here ramsey solutions. And he's an expert in the field of branding. I sat down with him to talk about. What a personal brand is. Why it's important and the steps you can take to build the personal brand. You want to have then after our interview. Tim is going to coach. Some small business owners as they call in with their personal brand questions. You don't wanna miss that at first. Let's jump into my conversation with tim. Tim thanks for being with us today. No problem happy to be here. This is going to be fun. I love talking about branding and marketing. And you are the king of branding and in my heart. At least evidence appreciate it. Never mu so a lot of people You know rightfully so. Maybe have concerns about their personal brand how they're perceived Obviously my personal brand is being really rugged handsome intellectually you can tell just if you're listening on the podcast you feel you feel that i experience you. Yeah well i want to just get the definition out there because people have a lot of feelings about what a personal brand is. So how do you define personal brand personal brand really is someone else's perception of you like is is basically what it is. It's important like the thing. I talk about personal brand all the time because the reality is we are always making decisions about everybody around us just based on how they walk. Talk dress all. They're all unconscious decisions. But we're always making decisions about each other and so that's why personal brands important. I've had Team members tell me man. We we talk about personal bran. Is it really that necessary to talk about personal brand like is it really that important. And i'm like what i see where you're coming from but if people are making decisions about us every day then there's something to personal brand and when it comes down to it if it's people's perception of you a good personal brand equals opportunities and is if you have a good personal brand you have more opportunities. You had bad personal brand new fewer opportunities so whether we like it or not. We have a personal brand. Every one of us has a personal
The Patriot AM 1150
"ramsey solutions" Discussed on The Patriot AM 1150
"I throw one more little thing in the mix? Because you dug a little deeper than I was one in YouTube and actually, like I need to ask you this, okay? Yeah. Um, I also owe the higher s okay. And I kind of I hold them. Um Guess I honestly I don't even know because during covid, it was like impossible to try and get ahold of anybody. Yeah. I tried and tried. What do you think it is just out to lunch. What do you think? I don't even know I'm guessing maybe 10,000 maybe. After we get the car paid off in the house caught up. Here's your first rule. We take care before you do anything else. You take care of what we call the four walls, food, shelter, clothing, transportation and utilities. Then we worry about other bills and the IRS would be at the top of the other bills, but they do not come before your family eating or having the lights on or Whatever. Right, Okay, we're gonna take care of your family first, and then we're gonna pay the I r s right now. Then let's go get some ot and knock those puppies out. You do not want those people in your life. No, I don't They they don't mean to be mean people, some of them. Some of them mean to be mean people, but they're just this is not. They have unlimited power, ridiculous interest rates and penalties And you want that puppy going as fast as possible. So Go ahead and click on Ramsey solutions dot com and go to our website and click on the endorsed local provider for taxes in your area, and you can get a tax person to help you navigate first putting the RS on payments and then secondly, I want them paid off.
The Ken Coleman Show
"ramsey solutions" Discussed on The Ken Coleman Show
"This is the ken. Coleman show creating a conversation about what it is a you were created to do and then once you figure that out. How do you get there. How do you make the dream job. Reality is at this mythical unicorn that a few fortunate souls fall into in their life or is it something that is sitting there waiting for us at the intersection of what we do best and what we love to do. Most i would suggest to you. I know that. I know that. I know it's the latter. Your dream job worked at you. Created to do is sitting in the middle of what you do best and what you love to do. Most what do i mean that means. We use our talent skills and strengths to perform the work that we look forward to the work that makes time seemed to disappear when we're engaged in it and when we're done we look at the results and the working. We say that was worth it. What is your contribution to this world. Whether you've gotten the answer to that question or not you think about it. It's a we're here to help you with that. You do have the answers. It's my job to get it out of. Let's go eight four four seven four seven two five seven seven. Josh is on the line in grand rapids michigan josh. You're on the ken. Coleman show living the dream what's going on with. You know not much. Just got a couple of questions for so. I'm thirty three years old. I currently work in healthcare. Eighty dietitian I'm pretty much pretty close to baby steps seven I was recently offered a job opportunity From actually one of my best friends. I'm growing construction company and He's opening another branch of the company and he wants me to run and manage this branch. i am very passionate about health and wellness and what i do but also just a very passionate person in general most things i do in my in my question is i. I guess for this job opportunity What are your thoughts on that and also how to structure our business relationship So it doesn't impede with our friendship What's the day day. What's the day to day in this job. Your friend wants to give you. What are you doing all day. Long it'll be a little bit of both. That'd be on the We actually on the front lines working at times But also be knowing any office doing doing bit. What are you doing on the front lines. it's commercial essentially commercial roofing Commercial what roofing roofing. Okay commercial roofing. Yeah i got to tell you. I'm so confused right now. Because you're a dietitian right now. Who's working on baby. Step seven for non dave ramsey show listeners. Who don't know what baby step seven is. That means he has zero dead. He's paid off his house. He literally is living like no one else is dave ramsey. Says the and so. So you're a dietitian who has no debt and you're very well off and you told me that you love healthcare nutrition all that stuff and yet you're asking me you're asking me about taking a job with your buddy in roofing. I don't understand what i'm missing. That's kinda why repeated everything. I just heard because i feel like your mic win dead and i've missed something. Why would a guy who's passionate about nutrition and whole and wellness and all that kind of stuff wanna go do roofing work well. It's it's actually more or less the opportunity in my whopper lionel. So it's a it's a partnership opportunity That's a bad idea. We're not we're not fans at ramsey solutions on business partnerships. They rarely work out well. And you're already worried about that because that was the second part of your question. How do i establish this with my friend. My buddy my pow so that we don't hurt our friendship and that's the very reason why we're not fans of partnerships. We're not saying they don't work. We're saying they rarely work out well and you called the wrong show. I feel like because i. If do you have any passion for roofing. Well i'm my. My passion is for growth in essentially growth and moving and Currently what i do is on i. I sit at a desk. And i see patients and that's not that's not me it also but what's the next step up for you but you told me plainly that you're passionate about wellness and nutrition and exercise or whatever is else in that bucket. I gotta tell you something. I am against this until you go spend. I'm gonna say minimum three to four days on the job with this guy's company. Doing what it is that you would do if he hired you so literally. You're on the front lines doing roofing and then you're in the front office monitoring or shadowing somebody who's doing what you're do. You need to spend three to four days in that environment. Before i would say this is a good idea because a guy who's passionate about wellness and nutrition should not be thinking about running a roofing company that to me is a prescription for you calling me six months from now going. Can i thought it was a great opportunity financially and everything else. But i'm dying. It's the equivalent of me. I to speak. I love to discern. Listening counsel and coach is quickly going. Hey i think. I'm to go work for a mason and lay bricks all day that crazy to me but i'm okay. I'm okay saying this is a good move. That's why you called me if you spend three to four days on the job site actually with a hammer and whatever those roofing tax our and your smacking those things for two hours straight and i want your back to hurt. I want you to smack your thumb really hard a couple times. I mean i just don't think this makes any sense and so i got to be true to what i teach unless you're teaching wellness on the lunch break to all the roofers and getting them to go vegan instead of all those nasty hotdogs from seven eleven. I don't see any connection here at all. I think it's a bad idea. But again i teach the proximity principle. So why don't you go get in proximity. Don't just talk to this guy about being his partner. You better get out there and do it and see it. This is disastrous. Potentially so do that. You'll love it great. Go roof yourself..
The EntreLeadership Podcast
How to Build a Brand Your Customers Rave About
"In today's episode. We're talking about building a brand which connects to our business driver of product. Our first guest is joe hamilton. Ceo vortex optics. A family owned and operated company. They've got three hundred team members. That aim to help you. Find the right optic for your outdoor adventures. I sat down with joe talk about. Why building brand with raving fans is important. Any business in our second conversation. I sit down with ramsey leader. Andy hi our executive director of digital marketing and we talk about how ramsey solutions creates raving fans. No matter what part of the business they interact with up first my conversation with joe around why every business needs to build a brand people rave about joe. It's good to be with today. Yeah thanks for having me. This is gonna be fun. You are leading the crew over a vortex optics and we got a lot of fans of yours here in this building But for those that maybe aren't familiar with what vortex does give us the high level. Yes oh vortex. Optics were a family owned business We've got about three hundred. Sixty plus team members were here in southern wisconsin and we primarily specialize in sport optics so rifles scopes binoculars spotting scopes red dots. We sell to hunting retailers shooting retailers bird-watching stores and obviously we support all those customers. Who buy that stuff. Yeah and you know you guys have done an incredible job with the brand with creating a community around this and there's a lot of optics companies out there you got a lot of competitors in the space and you guys stand out for reasons. I'm excited to dig into that But you said you have over three hundred sixty team members which is absolutely incredible. What have some some of the milestones along that journey from starting with just a handful of people now up to three sixty. Yeah there's been a lot of milestones. I think one of the things that we've been really good at is pivoting and trying a lot of experiments. We call him experiments over here along the way what's really led to the team. Members is just the fact that we use our flywheel. Jim collins calls it and that's where we take care of customers we over serve the customers and we give them so much value that they keep coming back they tell their friends about us and become customers for life
The EntreLeadership Podcast
How to Run a Resilient Business With Marcus Buckingham
"Our first guest is marcus buckingham. He's a bestselling author in the world's most prominent researcher on strength and leadership at the adp research institute. And i sat down with him to talk about. Why building resilience on. Your team is so important to the success of your business in our second conversation. I talk with ramsey leader. Daniel ramsey our executive vice president of entree leadership. But how we do this ramsey solutions. How we create resilient teams so up. First my conversation with marcus around defining resilience for your team. All right marcus. It's so good to have you back on the podcast. How you been. i'm good. how the heck are you. Oh my goodness we're having a good time here in nashville. Last time i saw you was on the entree leadership summit stage Probably one of our both. I events back with real people and we had a great time. And you had this amazing talk about resilience that i want to dig into and you have a very different definition because your team. You guys have done so much research on this topic. And i want to hear from you. What is your definition of resilience resilience subject that is on. Everyone's mind at the moment isn't it. It's like how do we keep going in the face of everything that we're all facing. And so whether you call it stick to witness or whether you call it assistants we all on some level know intuitively that it means. Do you have the will to absorb everything that's hitting you and yet still keep contributing but we wanted to dive into more detail and actually find out. What are the components of this thing called resilience. So our definition of resilience was simply. It's a reactive frame of mind that enables you to withstand obstacles bounce back and give your best a reactive frame of mind that enables you to bounce back and give your best different engagement by the employee. Engagement engagement is a proactive frame of mind. That enables you to contribute your best. So it's a a proactive frame of mind on. What are you focused on. And what your strengths. That are in play in how you collaborate with others. That's what engagement is resilience is a very different thing. It's a reactive frame of mind.
The Dave Ramsey Show
Q&A: Should I Sell My House or Rent It Out?
"So About a year ago me and my wife had some stupid system. We've been married for about twenty minutes. Of course had to buy a house and we didn't have a whole lot of money for it so we didn't put twenty percent down. We put closer to five percent down and now we have a job offer about fifty sixty miles away. Certainly moving out of that house. And i'm wondering should be because i've been interested in real estate and property business because this is in a college town. Should i still kinda keep this house. Since he might be upside down. We tried to sell it while the fees included or should. I just try and throw as much money as i can to sell in providence. Profitable it yeah. Well it's not profit. It's just a matter of whether you write a check when you sell. It is all so get with one of our real estate. Lp's at ramsey solutions dot com. And find out what your reality is. This market is so hot. My guess is you're gonna get out of it that's my guess. And here's the thing. If you were living fifty miles away in working to new job you would not call me up and say. Hey dave i wanna buy a house fifty miles away with nothing down leverage it all the way up to what owes much on it as it's worth which means the rent is barely if at all going to cover the payment and so i really want to take on this liability fifty miles away. Nothing down by the way you wouldn't do that. that's effectively. What you got here house has got no equity in it and by the time you rent it for your barely going to cover the payment and by the time it's vacant a time or two and the heat and burps on you. You're gonna have a loss for the year. This thing is a problem. It is not a blessing. And i just heard the other day that they maybe today that they reinstated the mass mandate in california in someplace your one covert away. Your one tick uptick in numbers etc for colleges going back online and suddenly this thing. It feels like it's a sheer fire in college town. Not being so sure fire anymore. The guys i know with college real estate and it's not admittedly now lot. They're getting out. Just because it's so unsure uncertain.
KTAR 92.3FM
"ramsey solutions" Discussed on KTAR 92.3FM
"To Ramsey solutions dot com slash marriage. You can have a great date. Learn about each other. I'm going to give you some tools, right? It's going to be some tools. It's going to help your marriage. Get over where it's at now and really accelerate into awesomeness down the road. Now, I'm glad you mentioned that it's a date because I want people who are hearing this ago. Okay, marriage event on Friday night. No, no, no. This will be fun. Yeah, It's a blast areas. You and Rachel. Great fun personalities. I know these folks personally, There are a lot of fun and it comes out. In the event. It really is fun. And, of course, very practical and hopeful. And guys can I speak to dudes for a second? You're an idiot. If you don't do this, this is a great way to win with the wife. Hey, babe, I signed us up for a great fun event. So I want to do better. Hey, that's a win. You're always why wouldn't you do that Rachel Cruise and I want to learn how to be a better husband. I thought you guys I'm gonna set you 30 bucks. I'm setting you up to win. Just trust me out. Would you just show up and take notes? Yes. And Wives. Just say Hey, we're doing this. Just they were doing this dirty guilt, the lives I can. I can guilt the dude. That's right. You're guilty wise. It's good stuff. We went lots of life. Lots of it's gonna be fun. Grab a blast. It is going to be fun. All right, let's get to the phones. John. The phone number is triple 882552 to 5. That's triple 8825. 5225. Mike is in clip, Dude, the home of the Rock and Roll Hall of Fame. And Am I Right about this. Cleveland, Ohio. All right, Mike. What's up? Hello, my my doctor job. Hi, Dr John and Ken. How are you? Well, we're having a blast. What's up? Very good. I'll make this quick for you and 32. My wife is 31 were in baby steps 45 and six and we have an annual income of 220,000, and we have one child and currently have one more on the way. And over the next year or so, we'd like to buy a new car for myself. So the current car had been driving has been paid off for the last 10 years that I've owned it and I would like to get something bigger. So we've been saving on the side milling that would like to make this purchased, um, and can obviously be able to pay cash for it. But the vehicle I'd like to purchase used is still about 50 to 60,000. Um, it doesn't break days 50% rule, but I'm still having some heartburn about writing a check for that kind of money, um, towards just a vehicle and not putting it towards step 45 and six How much do you have safe? Brought about 45 already. So you're really close. So you got your emergency fund funded. You don't have any consumer debt. And you just got funding Emergency fund and no consumer that whatsoever And you met days ratio the percentage. So, John, this is psychological here. I've turned this one over to you. What? What kind of car do you want? A GMC Denali or Cadillac Escalade, Man. These are fine machines, John Ball in and shot Colin with 20 inch blades. Hey, So what do you do for a living man? I work in government service, and my wife is a human resources manager okay by the car, so I'm a bad guy to ask. And here's why the car I drive in. Oh, six right now. I love it. It's just putting along, um My wife drives a 2010. She actually said the other day for Christmas. Could we, For God's sake, please? My son is about eight ft. Tall now, and he looks like Fred Flintstone in the car. Um so I'm not a great person to ask. I'm like you If I've got $40,000 and I'm sitting there staring it down to write, it would be hard. On the other side of it. Um, yeah, the ratios work out in your favor. You make a great salary. You have no debt. You're working 45 and six and you've saved up cash to buy this car. Um, what is what's making you What's holding you back? The thought of the interest and next 16 to 18 years of what that money put towards prolific through college. Could do so. Just do a thought experiment. So what's it like buying a forerunner? Do you feel like a failure or a loser? No. Are you going to need a car eventually. But let's say we don't buy this now, and you put that money in a great investment portfolio, and it's making all that interest that you're laying awake at night. Being guilty over at what point Do you need to get a car anyway? At some point, you need another car. Yes or no? Eventually, but what I have now I could probably write out easily for a few more years. I get it. So I said This is one of those things, John, where this is that there's no right or wrong. Here. Go with your heart, man. Don't feel guilty. If you go buy a nice car. Don't feel guilty for a second if you hold on to that money don't feel guilty. But you don't want the I'm gonna have some fun here with Mike. Of course the other day. Mike, You're not doing anything wrong here. You saved up for this. You're really, really close. But why don't you meet yourself in the middle? For one more scenario? You've probably done this, but I'm going. Let me look at what 25 is going to get me. And then I take the other 20. And I invest that Have you done that? I have? Yeah. I haven't looked too much, but I thought about the same thing. All right. Point is zero. Right or wrong. You can't lose here, man. Follow your heart. Your good man. By.
The Ken Coleman Show
"ramsey solutions" Discussed on The Ken Coleman Show
"This crowd on my job title. My job title is the same. But i got to do harder stuff okay. Have you gotten a financial raise yet. You have okay great. The reason i'm asking is. I want to know what your current progress is. Have you had any progress at all. So they have acknowledged. You're doing a good job and they've given you racer now you want an opportunity to actually have some influence and lead and then also i have more input is that is that what i understand. Okay great great. So here's how you do this. You have to let them know. Let them know this before. Is this kind of the first time you're gonna raise your hand and say hey. I want to move up the ladder. I wanna do more. Is this the first time you've done this. No i have approached them. They said here's the nothing happened and kind of that crush. My confidence on approaching. This is why. I asked the question. Okay how long ago was that About three months ago. Okay so i. We want to approach this one more time. Okay and i'm going to answer your question as to how you do it but i want you to be prepared for something even if you do it the way that i tell you to do it and it. Maybe it's different from how you did it before. If they don't do anything they hear you day. Don't respond and say okay. Here's how we're going to go about this. And here's what the time line looks like. They don't communicate actively on this. This is probably a sign that they're not going to promote you until you would have to have the courage to go. If i dig into this i gotta be okay with the answer and if the answer is pretty clear that they're not going to do anything even if they don't say no we gotta move on. Are you prepared for that. Okay are you. So here's what we do you go in and you say hey. I would like to talk about a growth plan. I'd like to work with you. My boss my leader to develop a growth plan. And what i'd like to talk through is. What are some skills that i can go acquire whether they pay for it or you pay for it. What are some additional skills. Maybe it's a certification here there Or some type of skill that you can acquire through some training again whether you pay for it or they pay for it. You don't worry about that initially your school. What are some skills you think could acquire a should acquire okay Then you want to ask what are some areas that i'm doing okay in but i could be doing better and you think there's room for growth for me. Is that shows that you're humble and that you're hungry to to get better and become more valuable then. The third piece is you say you'd like to discuss measuring the growth measuring your growth in measuring your outputs measurable goals that would if we measure these goals would allow me to get promoted so that i have more influence and greater income. That's what you talk about. You save your leader. Can we sit down. And they're not going to be ready for the first meeting. So you go in the meeting going look coup. Would you be willing to create a plan for my growth that includes these three elements that i just laid out. If they say yes then. Hopefully they're going to show your then you say okay. When can we set the media. Hopefully set the meet up and they come prepared. Come prepared and you walk away from it. And you actually create measurable 's and then they were basically agreeing to a promotion plan that includes you getting promoted. That has yet to happen if we can get him to commit to a promotion plan. Then there's a greater chance that they're going to follow through on it. Understand what i'm saying huddling now. It's possible that they'll agree to this and will create the plan. They still won't follow up. This is how you get there and you find out if a company's trueblue you find out if a leader is true blue if they really mean what they say. They're meaning because you went to on three months ago and basically were like okay. Great they never said another word you they listen to you. But they didn't respond right. Yeah it's awful now. That could mean but listen to me marietta. That could be because it's just a poor leader the leader. They don't even know how to follow up. They don't even have to do. It could be because they don't think that that there's a position for you to promote you and they have no plans to promote you. It's one of the other but you don't assume it's that they don't value you. Don't assume that yet. The plan i just gave you going to reveal whether they value you or not but don't assume it could be just poor leadership and i don't know what to do with that so let's run this process out the way i described. And you're going to get really clear answers on whether or not they think you're promote Okay thank you very much you bet. Here's the deal. Keep your chin up. They if they don't follow through that has nothing to do with you. You find a place that is known for developing their people and promoting their people. That is a really unique characteristic here. At ramsey solutions. There are people all over the building that started somewhere else lower on the rung of ladder if you will and because we develop people here intentionally they promoted and they step up but there is an intense analogy here at ramsey solutions to develop people and thus promote from within look for that in a company. It's vital aren't folks. My time is almost up before. I leave you. Remember this you matter. You have what it takes until next time. This is.
KTAR 92.3FM
"ramsey solutions" Discussed on KTAR 92.3FM
"Here right next to her. Christie, Right, National best selling author in Ramsey personality. Has been heads down on the project. She's been passionate about for a long, long time, 10 years or so in the making, because it deals with an issue that's affected her personally how to feel balanced in your life. Just the way you phrased that, Christie not how to be balanced. Lot of feel balanced is makes this book unique in the space we're talking about earlier. It's just so full of nonsense. People like life balanced life balance. It's just ride the pony or whatever. It's like a diamond in your heart. Shut up! You wrote the right book. Today We're launching the pre sale of her new book. Take Back your Time. The Guilt Free God to Life. Balance. This book was born out of Christie's real life struggles. For years, she was running on empty, stretched way too thin as a mom of three, she realized something had to change took a long, hard look at her life and her calendar and figure out why she felt overwhelmed and overcome it all the time. She discovered that balance is about doing the right things at the right time and drum roll. Please. You get to decide what's right for you. This is not some lame productivity book or a book One. Just say no. That was the eighties. You'll learn the step by step plan on how to be intentional with your time and have to finally prioritize the things that you really want to do so they stop getting pushed to the backburner. Time is like your money. If you're not intentional with it, it's going to leave, stop living, burned out and actually feel Ah balanced, which is another word for peace. Go to the online store Ramsey solutions dot com and preorder Your copy of Christie's new book. Take Back your Time Today. When you do, you'll get over 50 bucks of free bonus items. Congratulations, Cristi Big day. Big day. I'm so excited for you. Thank you. Also, like your version of the marketing copy that involves our diamond in your heart and rainbow. Just whatever it sounds like he's going off script and I like it. It's great. I just can't tell you how many times How to get work. Life balance. Well, what you gotta do is nine somersaults in in the field of clover. And what are you talking about? It's not helping me. I mean, I'll tell you what. We talked about this in until leadership summit, but it's like it's one of those things where it's like, I don't know what balances but I just know I don't have it. That's how most people feel They don't know what it is, but they know they don't have it, and I want to help them. Know what it is and know how to have it. Awesome. So glad you read it. I wrote it. And I'm I'm going to be one of those people that reads their friends, books. But here we go. Thank you. He said I hope you do. Thanks. Going to San Francisco. We've got Judy. Hey, Judy. How's it going? Mm hmm. Going. Okay. What's up, Judy? How can we help? How can we help? Yeah. Um, take a breath on. You can take your time. Mhm. Yeah. My sister just got married. Um June 11. And then just shy of her. What must the anniversary My brother in law, um, suddenly died in my house. Oh, no, I'm so sorry. Mm hmm. Thinking that either a massive heart attack or a brain aneurysm at first, um This is the first time in our family that way. Ever had the sun in unexpected laws. Um, and so, no, no. Um, how we can help her get through the Yeah. I'm so sorry, Judy. And she is lucky. Lucky. Lucky to have you tell me about this guy. Um, uh um things my kids only 35. Is he a fun guy? A silly guy. Grumpy guy. He's a fun guy. Um He had He had some struggles growing up, but he's Had turned his life around and My sister who was like like out of the goes that she was worked before. The only one in the kennel like was very equal and The matter? Um It was just so fun and easygoing and totally non judgmental. Think it's so easy to have a conversation with him. A guy that you want your sister be married, too, huh? Yeah, For sure. Judy, Um Our hearts broken with yours and your family's and we'll be thinking about you guys and praying for you guys. Um, right now, you're gonna be in a season of disbelief and of trying to get the next right thing done, which is often eating. Which is often going outside and going for a walk, which is often sleeping in making sure the light bill is paid. Um We're all able to have a funeral and everybody gets to go. Yeah, it's going to be this Thursday. I'm gonna I'm going to be flying out to the East Coast to be with her. Good. Good. Good. So if at all possible, make sure you don't miss that funeral. Make sure you're part of that. And, um Funeral is a great way to tell somebody that you love them that you remember them. And, um Especially the way that you can show your sister that you love her. Often and again, uh Everybody does grief differently. And so not judging your sister not telling her she should be doing this by now. Or that by now, you know what it's about a week now so you should Not having any of that kind of language. Just let me know that you love her..
Work Matters With Ken Coleman
Why Its Time to Stop Doubting and Start Leading
"So we're getting a lot more questions about. hey ken. i'm getting promoted. Which stage five of my seven stages to doing what you're do but i'm not ready to lead. I don't often radio leader kim. How do i lead. Here's the reality when you get promoted almost every time that you get promoted. It is leading to an opportunity to lead. Some people call it management ramsey solutions. We call leading so for many people. It's a real source of stress of worry. I haven't lead before ken. How do i lead on experience. But i mean given this opportunity. I don't know if i believe so. I want to address that very real emotion. And i wanna take the pressure off so want to talk about that. So what do you do when you don't feel like you're ready to lead. Okay i got breaking news for you. You're not ready so we go can. I'm thinking you should check your production notes. I'm not sure you accomplish what you wanted to accomplish. No i did the first time you lied or in times where you get thrust into leadership beyond your current experience. I got news for you. You're not ready to lead. By the way i don't think you're ever ready to be a parent either. I got three now three teenagers. Let me tell you what i'm not ready for. I'm not ready to parent teenagers. And i'm smack in the middle of it. It's not about being ready. It's about doing period. It's not about being ready.
The Dave Ramsey Show
"ramsey solutions" Discussed on The Dave Ramsey Show
"To do because it's the largest legal fraud in america and when you get to looking at the people behind the scenes on this scummy they are. It is bizarre. You you've never seen that thing. I hadn't seen it until this week. Have you guys seen the old documentary. The queen of did you see that. Yeah that's a timeshare king. Yeah building ninety thousand square foot house with his wife who's thirty years his junior and in all that that implies ninety thousand Ninety thousand square foot house the largest house in america. You know so. We're gonna talk about that kind of stuff. It's fun but that that documentary was just a train wreck of people as such sad. Just because they're just it's just like god who lives like this will they do. Yeah and that's who's selling you this stuff so anyway. The emails dave on air. I'm sorry dave owner at ramsey solutions dot com and in the lobby of ramsey solutions on the debt. Free stage. jimmy. Stacey are with us. Hey guys how are you it grade or you better than i deserve. You guys live from not so of chicago okay. Very cool good to have you. And you're to a debt free scream. How much did you pay off. So as married couple We one hundred and fifty three thousand one hundred. Fourteen dollars great How long did that take eighteen months five days all right and your range of income during that year and a half so that was two fifteen to two about two fifty. Wow what are you guys do for living. I'm a pharmacist. And i'm in the. It very good good for you guys. What kind of debt was the one hundred fifty three thousand As part of my student loan debt. That's been following me around before mayor So i you said as a married couple at the. You're telling me that before you were married. There's other stuff happened. It's the student loan debt. Spend wanting me for a long time reduced it substantially Marriage ninety six thousand hundred seven. Yeah it took me quite a while to even get that as a single parent naive when we got married. It was just too fast for you. Well done so. How long have you been married. Eighteen months. I know so well a little closer to years. Okay all right so the last year and a half or so all through. Covert bone boom. He was hospitalized Surgery at the end of the year. I had a surgery foot. So we had a lot of really weird things that sort of sidetracked us. We were done a little bit earlier but still pretty impressive. Yeah yeah. I was glad we were still able to get through sad going into twenty twenty one with the debt. But it's still february. Then if i were in the pandora yes. We no interest on student. Loans oh i was so excited about that much faster progress. Yeah i mean when it's all said and done. I paid eighty five thousand thirty nine dollars. Ninety four cents an interest. Wow from the beginning. Yeah so what sparked this thing So i heard about dave few years ago and i kinda did davish like i want to do this but then i it was really hard. My income wasn't there. I was supposed to be guaranteed fulltime hours. It wasn't getting it I was applying for jobs. Not really getting a whole lot. So i was kind of driving all over the state of florida to be able to make ends meet and pay little student loan that i was getting which was mostly going to interest. I was doing income based repayment. Which were pretty much actually lowering long so when i moved to illinois i decided i was going to do like the full baby. Steps now hadn't done Financial peace university in fact he actually ended up doing it before he hadn't even heard of you so i introduced him to you and he is the spender the flashy guy. I wasn't sure that our relationship was gonna go very far. When i first started dating him because we were on different pages and say i did not tell him he had to listen to you. That was the lord there and He came to me one day after he started financial peace university and brought me his cut up credit card. I i like this. That and that was not me badgering him.
106.1 FM WTKK
"ramsey solutions" Discussed on 106.1 FM WTKK
"Her it would be lifted. After she married him. Stone has pled not guilty and denies the accusations against him. Matt Napolitano, Fox News I'm still chiro pocket. Showers and thunderstorms winding down summers. We run that temperature back to the low fifties could catch some showers early for Sunday clouds for the afternoon and we get up to the low to mid sixties by Memorial Day, though mostly sunny. Near 80 degrees. I'm Jeff. You know for the weather Channel on one of 61 FM talk Lithe from the headquarters of Ramsey Solutions Broadcasting from the other car rentals Studios. It's the Ramsey Show where Dad is dumb. Cash is King and the paid off home mortgage has taken the place of the BMW as the status symbol of choice. Dave Ramsey, your host, Anthony O'Neill. Ramsey, personality number One Best selling author is my co host. Today as we answer your questions about your life and your money It's a free call a triple 88255225 and some say the advice is worth exactly what you pay for it. Jeff is with us in Birmingham. A Jeff.
The Patriot AM 1150
"ramsey solutions" Discussed on The Patriot AM 1150
"If you don't have a will get it now from Mama bear legal forms with Mama bear legal forms. It only takes 20 minutes. And you and your family is taking care of Get a will go to Mama Bear legal forms dot com That's Mama bear legal forms dot com. Famous $10 sale is ending soon Save big on over 40 best selling books and budgeting tools Get up to 60% off our most popular books like the Total Money Makeover. So shop are $10 sale at Ramsey solutions dot com, and that's not all. You can also enter to win our Ramsey cash giveaway. We're giving away a grand prize of $5000 cash to enter our giveaways Go to Ramsey solutions dot com slash giveaway. But hurry the sale and give away and may 31st no purchase necessary Must be 18 or older to win. People ask me all the time. Whether or not now is a good time to buy or sell a home guys. The reality is that the market has always been and will always be changing. But here's the truth. You can absolutely navigate an ever changing market. As long as you have the right guidance along the way. That means you need a professional, high energy real estate agent in your corner. You need someone who has years of experience and service through all kinds of different seasons of the market. That's why I recommend you connect with one of our real estate, endorsed local providers, or E L. P s. Just go to Ramsey solutions dot com slash agent to get connected. These are agents that my team is vetted in your area that have integrity. And a track record of buying and selling homes. In the changing market. Go to Ramsey solutions dot com slash agent to get connected. That's Ramsey solutions dot com slash agent. comes out and says, I think summer's here and.
KTAR 92.3FM
"ramsey solutions" Discussed on KTAR 92.3FM
"The lobby of Ramsey Solutions on the debt free stage, Lee and Heather are with us along with their daughter. Sofia. Hey, guys, How are you? Hey, Dave. Welcome. Where do you guys live? Franklin, Indiana 20 minutes south of the Indianapolis. So Indianapolis. Very cool now, and you're how much of that did you pay off? $91,251.95 Lovett. How long did this take? 25 months. Good for you and your range of income. During that time we started at 1 43 went up to 1 62, and I actually just got a promotion last week. So we're at 1 71. Now, what do you do for a living? So we both work for the department of Defense. I'm in HR. 90. Eric. Oh, good for you. Good careers. What kind of debt was the $91,000? My student loans. All of it. All of it. The only debt you had the only thing we had. Oh, my gosh. So what's your degree in HR. Yes, I haven't MBA in HR. Good for you. Good for you. That's a great degree. Yeah, that's a great field. Good for you. That's so fun. So how long you guys been married? Uh, yeah, almost 10 years, Right? Good, good. And what happened two years ago this this on fire. Well, it actually started about 14 years ago. I first then you've been getting out of that for 25 months. I first heard about you then, and my life was a mess. I had credit card payments and Us, you know, medical bills and everything else. Listen to Ft. You and thought this made sense. This is smart, Biblical wisdom. Um, started getting out of debt and met this handsome guy here and he was completely clean. Completely on board, huh? Yes, he, uh, one of the stipulations to being together. She said. You gotta read this book and so is total body makeover. You've been married 10 years. Yeah, We're so what happened two years ago? I thought you got out of debt in 25 months. We did so we don't confuse you. So we decided, you know, after we were on we actually were both laid off for a year and a half after he came back from Iraq. He was injured and can't work. I lost my job at the same time, so we kind of had to stop everything and rebuild our careers and All our assets. Um, and then 25 months ago, we said enough on the student loan. We're sick of it. We need to get rid of it, and we went nuts. The first year we paid off 25,000. In the last year. We paid 66,000 amazing. That's impressive. Okay, So you went through a career downturn and a reset of your whole lives and following. That is when the 25 months starting right now I'm getting my story E got a degree That's his degree in the time is I couldn't do my job. So the V I P for on and I was like, What? What I wanna do that I love so that's what choice. I t good for you. That's more choice. I got a ray. I got a promotion like a $20,000 promotion and 17. And then we're like, you know, we're barely paying on this debt. So Let's play. We make money. Let's pay. What the max? Yeah, And so that's when we kind of like, Yeah. What do we do it? Let's get. Let's get that book back out now. All right, cool. So you were in the military, then? Yes, I was. Okay. And how did you get interested? Um, overseas my back. Oh, yeah. I just kind of messed my back up. So I had three back surgeries, One hip surgery. Oh, I have a service dog. Actually, he's a home s. Oh, yeah, I just I was mechanic and that's what I was doing. Under myself. I was going to do any more. S o there Via said We'll pay for your degree s o. I chose I Teke has a really loved downright Even so, Er, Larry watch. Thank you for your service. Yes, everything I want to point out something really quick here for folks that listening to we had a physical change. And so he had to make a career change as a result of physical thing. That's not something you picked, but that mechanical brain Tied in beautifully to the I T fixing problems the way you could break stuff down. Is that right? It was a really nice, easy transition for you, then. Yeah, still technical and stuff. So it's right. It was just a different kind of technical. Good for you. Great transition. There's the heaviest thing you have to lift a keyboard. Oh, yeah, That's good. I like it. That smart man. I love it. You guys are incredible. Your heroes. How's it feel? Now that you're finally free? Unbelievable. Kind of fearful. Still kind of new. So maybe after we scream Well, no, I don't know. Yeah, we're just like, okay. We're just gonna go continue. It's like nothing's changed. We need to do our savings. We need to save up for things. So we don't wanna lose that momentum. We did. We went out to eat. Uh, you know, we said, Hey, we deserve Let's go out to eat, you know s Oh, yeah. When we do that, and we're just gonna continue to go. Yeah. Moving on along. So finish up, baby. Step three. Now get your emergency fund inflation. Then become wealthy. Know you very well done. Good job, you guys. What do you tell people? The secret to getting out of debt is I'd say the budget communication and prayer really works. Yeah. All right. Hey, man. Yeah, I would say. Sticking to it. You can have a you have a budget and you have your blueprints. But if you just put walls wherever you want it, then it's not nothing's gonna matter. So you just got to stick to your budget. And so that's one of the key things. I noticed people they're like. Oh, yeah, We have a budget and they just spend and spend. And you just got really kick Keep to the budget. Yeah. Okay. If it's on paper, this is what we're gonna do and just keep it going. Whether you really focused on prayer. From what you really locked in, pause there. What you pray about specifically what prayers were answered in this process Strength, you guys. Good one, um, just intentionality and just understanding that this is a season. And that God has so much more planned for us as a family and how much we can contribute now that we don't have this chain around her ankle anymore. Oh, that That'll preach your job's, too, because we were in a situation where We don't know what we're going to eat. We had to go to like a They're the food market pantry to get some food sometimes. Wow. We were unemployed and I just had my V was paying you to get a degree. There's only thing that would really help this. It was like, you know, we think the Lord every day for a jobs or house or cars, all these things. And so it's just amazing. How would like to reflect On that. Hey, man, Very powerful. Good for you guys. Way to go. I'm so proud of you. Who were your.
The Patriot AM 1150
"ramsey solutions" Discussed on The Patriot AM 1150
"Of Ramsey Solutions. Michael and Amanda are with us. Hey, guys, How are you All right? Yeah. Better than we deserve. Where do you guys live? Raleigh, North Carolina. All right, and how much dad of you paid off $128,000. Or 128. 7 12. Okay. And how long did this take? Three years. We were originally on a four year trajectory and finished a year early. Jacked it up. Yes, sir. Cho and your range of income during that 36 months 144,000 down to 127,000. The mess. The mess here went from full time to part time. All right, love it. And what do you guys do for a living? I am a police officer, and they retired Captain and North Carolina National guard. Thank you for your service. You? Yeah, And I'm a registered nurse. All right. You work whenever you want all you want Absolutely. What hospital in Raleigh actually work it. Wake Med. It's in carry North Carolina know about carrying. My father was in favor of Fort Bragg. So familiar with four brand myself. Yeah, I bet you are very cool. Kind of debt was just 129,000. It was It was everything. We were normal. It was mostly school loans, but car payments credit cards on day 41 K loans, Sally, They took the bulk of it, though. Yeah. Just just trucking along normal, too good careers, but loaded up with student loan debt and And then other stuff starts piling in there how long y'all been married? Much cash Just since 2017 3 years. Four years. Okay? Good. Yeah. Funny story. We as we were going to re kon or wedding venue. We listened to your show. The whole way up is about a four hour trip from Raleigh to the mountains so That's how I got started in. The first thing we did is a couple was, too was financial piece and then the rest was history. Wow. So dope. Well, only the military got re cons his wedding. Absolutely romantic. Yeah, He's just blossoming over there. That's great. So the trip, though, get U turned on to it. And then you dive into financial peace. Yes, sir. We're going to do your own thing. And then as soon as we were married when we merged, everything just suggested that it was game on. We actually kind of had to hit pause a little bit about seven months in without it. We're expecting it was a happy, happy paused. You have to kind of Right. And then just a little bit for a while there. Very good reason to pause. Baby comes and hit play and go again. There we go. Finish it up, finishing up. That's a lot 129,000 lot that feel like when you started like you're never gonna get through it. It absolutely did. We just continued to listen to your show. I have a 30 minute commute to my job, So that's what I did as I was. I'm on my way in and on my way back, I'd listen to the segment, so it just that helped keep me motivated and You know, I had the spreadsheets out and you know, I did all I could to keep us on track and We did it. So I'm looking at the math here and he simply y'all were very aggressive, You know, especially being a newly Newlywed new parents. What would you say was one of the hardest things throughout those three years. Pocketing that the 1 29. I think it was every time I looked at it. It seemed impossible. But we For one, Um, she was a good support system for me and vice versa. And and we had our monthly budget meetings and we kept each other on track and accountable and that that was key for us. So Just trying to, you know, saying no. Sometimes, especially isn't a parent in your ear the whole time you're hearing you know you have to do this. You have to have this. You have to whatever and it's you Don't it's OK or being newlyweds. It's like, you know, we didn't take 100. We still haven't taken honeymoon, but it's like it'll come. You know, in time, it'll be fine. We don't have to do anything. And now you're going where you wanna go? Absolutely. And how old are you Took I am 44 Amazon. 25 42. Okay. Okay. Young people. Very nice horse, Young. Get in Dave's. That's good. Very good. Well, you'll be honeymoon in the rest of your life. Very good. So, um This is impressive. Very one. Probably you guys who were your biggest cheerleader. I would have each other. Yeah, I was going to say I really do. I We? We did tell people along the way. I think we got a lot of crazy. Looks for it. A lot of people didn't quite understand. Like, why don't you just keep on doing what you're doing? Make good money. You'll be fine. Okay? It's all gonna work out. Exactly And sure. Maybe it would. Maybe it wouldn't. But We just had to boost each other up and just keep each other on track. Primarily, I think so. I think we're really each other's biggest support system. Yeah, I had a crew. A crew. It worked to that were there weren't weren't crazy enough to go down the the Baby Steps Road, but they help Keep me motivated along the way, even though they're not doing it, But they were. They were always releasing positive. They were keeping up on what I was doing instead of making fun of you Too bad, sir, But now you're done So I mean, no, dad, This is a how's it feel? We finished up. New year's way were done, I guess. December 31, so we made the last payment and Soto wake up on the first of the year and say this Is it like it's a murder. Everything is a fresh start. It was amazing. That's cool. It's a great feeling. So.
The EntreLeadership Podcast
How to Tackle Tough Conversations at Work with Brendan Wovchko
"My guest. today is brian. Wasco brendan is the senior technology officer. Here ramsey solutions he oversees all our product engineering teams and through his career. He's had to have a lot of uncomfortable conversations and he's actually gotten really good at it. He's done it in a way. That's very effective. In fact he's become resident expert with our leadership team on how to do this and he teaches it internally in. It's really good stuff so we said let's bring him on the podcast because we know business leaders everywhere dealing with this issue before we jump into brendan's process i i wanted to ask him about. Why is it so hard as leaders for us to embrace uncomfortable conversations. The hardest part about leadership is you have to lead from a place of giving what you never got. When you're in that position like you just you don't have any instrumentation at all. You know and If you've never been in a situation where somebody has had a healthy conflict with you. It's really hard to know how to it. Yourself re reproduce what is healthy conflict even look like is in most parts of life not just work healthy conflicts. Not we typically another one of the things you've taught us and worked with a lot of our leaders on is really thinking about the come that you want before you just kind of parachute into one of these conversations. You won't have plan for the which we'll talk about in a second. I'm but say more about that. The idea of beginning with the end in mind. Yes so. I mean. I think if you're about to have your first hard conversation with someone you do have to keep the end in mind you know. The end can be one of multiple things but probably the two most obvious conclusions. Are we talk about it. Once it gets fixed were done which is which is kind of a you know. That's the kind of thing that you wanna do. A brain all go that they don't go that way so you know if all you do is walk into every conversation just assuming that it's going to be a one time thing you're probably gonna end up getting yourself in some hot water in the long term
KOA 850 AM
"ramsey solutions" Discussed on KOA 850 AM
"Radio K O a news radio 8:50 A.m. and 94 1 FM. Now what he is my co host today opened phones a triple 882552 to 5 on the dead Priest age in the lobby of Ramsey Solutions. Lauren is with us. Hey, Lauren, how are you? Hey, Dave, How are you? Good to have you? Where do you live? Denver, Colorado. Bit of a trip to Nashville to do a debt free scream. Yes, Very cool. How much have you paid off? $55,201? Good for you. And how long did this take? 34 months. Wow. And your range of income started up 50,000 and up to 74. Then back down a little bit Good for you. What do you do for a living? I'm an account manager at the college for Financial Planning. Well, there you go. Many cycles have the old Shia P land. Yes, All right. Very cool. And what kind of debt was the 55,000? Mostly student loans. Had a small credit card in there paid off the cell phone and then cash flow to car during that time as well. You paid off a cell phone. Yeah, I did. Oh, yeah. You're really normal Police in it. I love it. Yeah. Okay, So you work with financial planners. What happened? That turns you on getting out of debt 34 months ago actually started the position about 34 months ago. And so that was what really Ignited my fire. Had a friend that was cheering me on saying you can pay off your debt. It's totally possible is like I don't make enough money for that, at a newer position started at the college for Financial planning. And that's what really kind of made me realize I'm surrounded by this all day. There's no reason that I can't work hard to pay it off. Yeah. Wow. How'd you get connected us? Um, So my friend Chris Burzynski recommended you. He paid off his student loans. He gifted me the total money Makeover book. Wow. And so when I started at the college, I started reading the book, and it was game on from there. Okay. Cool. So surely some of the people around there were cheering you on. Oh, yes. Yes. I've had nothing but support from my co workers. My family, my friends. Everybody has been super excited for this. So we're excited for you. Well done have so very proud of you. So the total money makeover book and the new job, got it going and going and then hustling my butt off. Yeah, lots of jobs. So when you say extra jobs? Oh, yes. Yeah. How many jobs extra. Did you have? Gosh, throughout the whole process, Um 45 different things. Catering was always a big one for me are intended for the Denver Broncos at a grocery store. All kinds of stuff. Yes. So that was really accelerated. It made you the most money for the hours spent as your extra job catering for sure. There's a lot of food. There's a lot of potential, um to be making a really good hourly wage and then tips on top of that. Certainly health and you're going to go and see different places. It's an amazing sight. You were working catered events. You weren't the caterer. Both so I don't actually cook. And like the bartender, the server that you know the front of house type person. Okay, what would you say? Well, what was the hardest thing throughout this journey? I think the discipline eyes probably the hardest thing and just realizing I couldn't do it if I set my mind to it when I started, I was 27. I told myself I'm gonna be debt free by 30, but I had no idea if that was actually achievable. Um, it happened very happy about that. But just reminding myself when I was working all the extra jobs and saying no to so many different things. It was going to pay off. So keeping the Y important So you're you're 30 years old. You're 100% that break house. I feel that's amazing in six months, and it still doesn't feel real. I'm so proud of you. I don't I don't see a ring on your finger too. So that's a good thing. Yeah, no headaches, no headaches. Oh, you could say something like that that Oh, man. Well done. Well done. So, what advice do you have to a 27 year old? Single.
KTAR 92.3FM
"ramsey solutions" Discussed on KTAR 92.3FM
"Birth defects have been linked to toxic chemicals and solvents used in semiconductor in Computer chip clean rooms. If you were working in Motorola or any other semiconductor plant, and your child was born with skeletal Oregon or limb, deformities, blindness, terrible policy, genetic damage or other problems, they could be entitled to compensation. Call the law Office of Plattner Verte Rommie now before any more time slips away, call 183355 toxic. 183355 toxic 183355 toxic If you are a current or former semi conductor and microelectronics worker for Motorola or any other semiconductor plant, and your child is suffering from birth defects. You must call the law office of Plattner Verte, Rommie and Phoenix right now, 183355 toxic 183355 toxic. 183355 toxic and get them the compensation they deserve. Three. Dr John Baloney. Ramsey. Personality is my co host. Today. I am Dave Ramsey, your host in the lobby of Ramsey Solutions on the debt Free stage, Daniel and Laurier with us. Hey, guys, How are you? Better than we deserve. I love it. What do you guys live? Dayton, Tennessee. Oh,.
The EntreLeadership Podcast
Becoming the Leader Your Business Needs with Suzanne Simms
"You think about leadership. Many business owners are going okay. I got a lot of things. I'm not good at. We could delegate. We could find people that could do it. I could get good at it. Why is it so key that we take on the responsibility of owning those things as leaders well to me. There's one specific thing that you should reinvent yourself if you're not good at or maybe maybe a couple if you are if you're a leadership at a high level in your organization or you're the owner the ceo you need to be able to cast vision for your organization if you are the type of leader who is overseeing operational things that are crucial to your business growing. Then you've got to be good at date hails and opera and operational things for me. I was very operational behind the scenes leader for years I don't like the limelight. Don't i've never seen myself as as vision. Caster and i was lucky enough that the leaders who reported up to me were very confident competent. Good leaders who. I was more than happy to let them get the credit for everything like they were out now behind the scenes very much directing them and giving them advice and growing them but like they were the ones out front that the company saw leading their areas and in two thousand eighteen my story is that day challenged me and in our operating board as a whole really challenged me during our annual assessment time that because what i lead. The areas of ramsey solutions i lead are the tip of spear into the marketplace. Things i lead are like the entry point. It's the first touch point consumers have with us so we call it the tip of speier for the rest of the organization. Because i lied those areas. I need to be out in front of the company. Telling the company where we're going so for me. that's something. I'd never done before. So i realized in that moment i have to reinvent myself i have to go from being just an operational directing leader to a visionary out front. That's not me being better at who i already am. That's me being a different version of myself It sounds like you're saying it. At that point you were becoming. The bottleneck realized as leader. You're kinda limiting division or was it. Yes but you know what when i look back on it. What i think was happening. I don't know if dave even fully realized when he said it or others but dave's dave scott this succession plan. He's building like there's a. There's a date somewhere in the future where he's not the vision caster for this company anymore. And he's looking around at us going. Who's going to be doing that. Who's going to be wearing my various hats. Well and he's looking at me going. You lead tip of spear vision needs to come out of you. Not just you know the people below you and he's come out of you. You're on the operating board. You are the next generation of leader Once i retire theoretically and so i think a lot of that was going on in his head because he was the one that called out the most blatantly that day. I think it's a big misnomer to say. That vision is a personality trait. You hear it thrown around a lot. I'm not a visionary. That's just not how i think it's not how i'm wired. They're certainly i believe personalities that that yield towards being more visionary. But i really think it's something everybody can develop. I agree completely. How did you develop this. You mention new muscles that you hadn't grown before especially with vision. I am a very collaborative person. I like to roll with posse everywhere. I go i I find their safety in numbers. But also find there's wisdom and counsel. And so i immediately pulled a big group of leaders together. There were thirteen of us. Total and i put them in a room as said. Hey this the operating board said. I need to flex this new muscle. I need to cast vision for this company. I don't know how to do that. So you guys most. You don't do that well either. So we're gonna all figure this out together.
710 WOR
"ramsey solutions" Discussed on 710 WOR
"March, he society to start his own book Club creatively titled Noah's Book Club. He announced the idea on Twitter with a picture of himself reading a book called What doesn't Kill Us well in an ice bath. The pictures said he hopes to promote literacy while learning more in keeping up with his fans. The book genres the club will focus on will be self motivation, health and fitness and leadership. The first one to be part of the book club will be released February 1st. The Brooklyn Nets beat the Atlanta Hawks tonight. It was a close one. But in overtime, the Brooklyn Nets prevailed. 1 32 to 1 28 join us for college hoops action as Rutgers takes on Michigan State tomorrow, Our live coverage will begin at 6:45 P.m.. Elsewhere, the Islanders will hit the ice against the Capitals. It'll be the devil's taken on the Flyers. Once again, the Rangers will battle the sabers. Now meteorologist Mark Thibodeau here sure. W whoa! Our weather channel forecast. It's going to feel like January the rest of the week and then this weekend might have a snowstorm coming up on Sunday. We got to keep an eye on that for sure could be measurable. Still, we have not had a whole lot of that this winter. Overnight. Increasing clouds alot of 27 clouds early Thursday afternoon sunshine highs in the low thirties. I mean, you're only just sparked a video from the weather Channel on 7 10 w o R D 33 right now is the Dave Ramsey Show Continues Your next update at midnight Breaking news at once. Start your day with Len Burman a Michael Riedel in the Morning 6 to 10 Tomorrow. I'm Steve Greenfield at 7 10, W. O. R and NBC News Radio station, The Sean Hannity show weekdays and three on 7 10 W. O R. Now, the Dave Ramsey show. Five from the headquarters of Ramsey Solutions Broadcasting from the dollar car RENTALS Studios. It's the Dave Ramsey Show where Dad is dumb. Cash is King in the paid off home mortgage has taken the place of the BMW as the status symbol of choice. Christie right. Ramsey, personality and best selling author is my co host today. Opened phones as we talk about your life and your money that's triple 882552.
KTAR 92.3FM
"ramsey solutions" Discussed on KTAR 92.3FM
"Ramsey Solutions Network, and it's always fun when you and I get together in the day of Randy Show sandbox. We could have some fun today. Big fellow. I agree, my friend. We're going to get a chance to give some people some real practical guidance on their careers. But we're also gonna talk about that wallet can We're gonna talk about what you have to do in this new year because we can't talk 20 twenties gone Thankfully, Yes, thank you for reminding. It's gone. And so I have caught myself saying, you know this year and all the things 2021 is here. We have new opportunities ahead. So here's what we do. One of things we're going to throw out there is some of you out there are are listening. You're going, OK? I'm working the baby steps, can it Chris, I'm working it. I'm getting there, but I sure could use a bigger shovel. Hmm. Is Dave likes to call it on. That's more income. And there is a myth for some of you who have wandered over to the Ken Coleman Show where we talk about doing what you were created to do in your work is the dream job. A reality answer. Of course, is yes, but people go. Can I work the babies have can I Makes steps towards the dream job while paying off. Debt in the answer is unequivocally yes. So I want to throw that out there. We're gonna talk about your life. Your money. We'll talk about your work. But for those of you that are right now going, okay? I'd like to make some more money. I'd like to actually get promoted. Makes them more money, which was I can get out of debt and save faster. Faster. Yes, well, we're going to talk about that. So that phone call That's welcome. You got money questions. You got life questions. Chris and I are here for you. Here's how you jump in Triple 882552 to 5. It's toll free number. Triple 882552 to 5. Remember, this is your show America. We're going to start it off in ST Louis, Missouri. Where Joe awaits Joe, How can we help? Hey, gentlemen. Wonderful. Speak to yes. My question is in regards Tonto Hscei investing then with my company for like, four years now, and each year, they max out our hscei. Um And I really haven't used a ton of it. So I've got about 18 grand in there. That's good shit sitting there. Not doing a ton for me. I'm not sure if I can really how to invest that I've talked to the bank that, um, hold the money and they're only options are CDs. I wasn't sure if there's another way to go about that. Yeah, you should be able. I mean, and looking at this, you know you would want to look at it just like you would your 41 K funds. So you're looking to be able to utilize those inside of growth? Stock mutual funds? Um and so the CDs we don't want that those air certificates of appreciation. Uh, those things that's not gonna grow. It's not gonna give you the growth. You got a good chunk of money there. S so that's what I do. I I want you to reach out to your do you have an investment professional that you're using? Dok, take your form in and take the information there about your HSC get connected with them and start to walk that through, you know, Typically, banks will do that proprietary thing, and that's pushed their stuff. But the last thing you want to do now, do you already have an emergency fund in place? Yeah, that's really beside the house doing a three year. Okay, friend. That's good. That's good. And so here's what you do you go sit down with your investment professional get that money put into the growth stock mutual funds. And now that we, you know. Hey, this money is gonna be growing for me. If we need it. We use it if we don't we don't All right. All right. Wonderful. There it is. Hey. Yeah. Thank you. I really appreciate him reaching out cause can a lot of people they say, man, I had this money coming out of my paycheck into the HS a month after month, But if you hadn't used it, what is it? Well, it can become like your medical emergency fund. That's right. Right? And so you think about that, So you set that money aside if you're investing it, and you don't need it, It's going to continue to grow for you. Just like your for want a very good point like that. The medical emergency funding don't you know? These two dudes who have three kids each. Those medical emergencies are absolutely waiting to happen. Oh, they happen now, your whole lot older than me. But oh, happens. You know, it's just that is what we call fake news, folks. That is fake news, But, you know, it's like, I don't know how much money I put into the coffers of the boy in the bone and joint institute local between that grocery stores. Goodness, yes. Yeah, that I like the medical Emergency fund That's really really good. Triple 882552 to 5. Let's go to Summerville, South Carolina, Jacob 15 year old Jacob joins us. Chris Jacob. How can we help? All right. Well, right now I'm only taking much like 3000 and savings. I'm trying to figure out to make more money. Could I make like 7000 right now? From one part time job. Alright. Alright. That's nice. How many hours a week. Are you working? Or how many hours over the course of a month, cause I know you're in school. Worked like 18 in a week because that's the Mexican worker. And now look at you, Jacob. What do you do? I did work at a like a restaurant near me. It's been passed. Yeah. Do you mind if I ask you what your hourly rate is? Yeah, I make minimum wage it stand 15 this state. What is it? 7 57 50. Okay, so here, So here's so, Jacob, Make sure I understand the question. You're looking for some ideas on how you could make more money because right now you're maxed out at your 18 hours per week. So the the the theoretical answer. Jacob and Chris is he needs to get Better job. He's going to get a bump from 7 50, but he's also 15. That's right. So it's like, Where does he find that I would look towards manual labor jobs? You know what, Like maybe in construction and things like that, in the trade, where they're gonna be willing to pay more money than a restaurant will have start there. I talked to your parents. I talked to Everybody you know to say, Hey, I'm looking for a manual labor job that pays more in 7 50 hours. Someone who needs a young man who's gonna come bust it 18 hours a week. Um And then the other thing is, is that you know, I'd also consider you know. Is there anything you can do? That's not so much manual labor. But is there any kind of data entry or something like that? That are computer based. If you're comfortable on a computer where companies again are looking, they would pay an adult. They do some of that way, Jacob. I'm curious. What moat? What do you saving for, buddy? I'm sure. Sorry. No Say before car. How much are you going? Needing in your mind to buy car? How much you looking.
KTAR 92.3FM
"ramsey solutions" Discussed on KTAR 92.3FM
"Healthcare. Okay, how long your headache Five years how fast you're growing. Um, I'm netting like I'm going pretty fast. How many people you adding a year? It's not that type of business. Really, but I, but I'm a start treating patients. Um you know, this is a wholly completely underserved area. Okay, So are your building needs growing as fast as your business is growing. Well, I'm renting right where I'm at now, and I want to send your building needs. As you if your business doubles do you need double a building? Uh, No, I don't need much space. I don't need much space. You can double your revenues in your profits without doubling your space. True. That's what I'm asking because I can't Well, anything I kind of feel like in my portfolio. I'd like to have a building that one. What I asked Okay. I'm going somewhere with this, okay? Because I have made this mistake personally, and I've witnessed a lot of small businesses that we coach may make the same mistake. So here's the mist, Ake We love real estate. We want a piece of real estate in our portfolio. Dude, I I love real estate on several $100 million worth. I love it. I mean, it's my second. It's my second favorite business. Right aside from Ramsey Solutions, and so First thing I did was at least a building and then I filled it up and I had the opportunity to buy and then I filled it up with people. And pretty soon the mist ake I made was I was trying.
710 WOR
"ramsey solutions" Discussed on 710 WOR
"Chris Hogan, Rachel Cruze and Pastor Craig Rochelle. We're gonna give you the motivation. The guidance the step by step plan you need to hit reset. After 2020 something you gotta You got your wake up call. And you want to say goodbye? The money stress You don't ever be left in a position again like that. Text the word reset for the free livestream text reset. 2 33 789 text reset to 33 789 Or you can sign up. Dave Ramsey dot com slash reset. If you're in the Oklahoma City area, that's where we're gonna be doing the event at life, Church stop TV, Then we have a very, very limited audience due to spacing or social distance singer. Whatever the crap, you call that stuff. Anyway, we're gonna be there and there's some seats for 20 bucks. That may be gone by now. But go to Dave Ramsey dot com slash events. If you're in Oklahoma City, and you'd like to come out and watch the event live, we'd love to have you We will have a small studio audience. And, um There's a little over 100,000 already registered for the last three mom Tuesday night, so make sure you get signed up. It might be one of the bigger events of this year again. Reset text reset to 33 7 89 on the debt free stage with a question in the lobby of Ramsey Solutions. Preston is with us from Destin, Florida. Hi, Preston. How are you doing? Good. How are you guys? Better than we deserve. Understand? You got a question for Dr John. Yes. So it's in regards to my brother. I'm flat scope for years. He's Progressively worse with alcohol. No, it's gotten to the point Now where? You know we're starting to see. Some resentment between them. We're starting to see, you know, pretty much no affection between him his wife. You know, there's there's just not much there. You know this past Christmas at movies. They didn't sit together. You know, there was no Affection to each other. I mean, they're just kind of there. You know, we've we've tried talking to him. I've tried talking to him. My parents try talking to him. Um, you know, my grandpa who was in the same boat almost lost his marriage to the alcohol when he was young. Try talking to him, and I mean nothing. Nothing's getting in, Um You know nothing. Nothing to sticking with him. My his wife has tried talking to my parents about some situations that have happened. And I mean, just Nothing is working. And we just don't know what else to do When we hear that the marriage is is going down the wrong road. Yeah, I'm sorry for you, Preston, that that's how old is she guitar. Now he's 24 older. You 20. Okay, So he's a young guy, huh? Yeah, way. We've been two peas in a pod since birth, and when he's he's not let me and I have tried and He's just stares. He's not really He's not really open, so How can I help man? I How about I guess what else can we do? You know, we've tried Different angle was my mom has tried the loving mom mingle. My dad is kind of try the tougher dad angle. I've tried the You know, Brother angle, and I mean, he's just Orphans working. He's shutting everyone out. He's he's shutting his wife out, and it's just not Don't know what to do. So, for some reason, you may know you may know part of it. You may never know He's running from something, and he's found something that works in the time being, and it's gonna cost him everything. And there's nothing worse than watching somebody you love just slowly sink right and you got your hand out for him and they just choose toe. Hold tight to that bottle to their heart. And they just as you watch him go underwater. At the end of the day. Addiction is a connection disease. I only like using the word disease. It's a connection issue, okay? And so I think you've got to find that sweet balance between letting your brother never forget. Always know that you love him and you care about him. Um And that you will go to the ends of the Earth Forum. And at the same time you have to protect your heart. You gotta protect your family. You've got to make sure that you don't get suckered into Funding his lifestyle right that you don't end up being an enabler and empower, right? And so I think you What I've seen effective in these situations before is you've got to get with somebody that you trust. But your mom or dad and your sister in law, you'll have a hard conversation about a possible intervention. You have a hard conversation about what boundaries they're gonna be. And then I would love to see you sit down and write him a letter. And here's why that letter's important. It gives him a Touchstone. He's gonna roll his eyes as soon as you start talking brotherly stuff to him. He checks out right? That letter's going to something he's got with him, and it gets to hold with him, and it's a place for you to be vulnerable and honest with him. Let him know how you feel. But he'll go back to that. And go back to that and go back to that. And it may be two months, maybe six months, maybe a year. But eventually he's gonna hold onto that thing as an anchor, a tether back to land. And at the end of the day me and you've got to protect yourself because you're no good to anybody. If you're broke, and you're sick, and you can't you know you can't sleep because you're worried about him. You're not putting your oxygen mask on first. You gotta take care of you, Um, day. What do you think? What's the letter say? The letter says. I love you. The letter says. It talks about the history you'll have together. It lets him know that he's ANC whether he thinks he's untethered, etc. He's anchored into you. He's anchored into this family. You'll love him. And that you want to see him come home, and that love is not going to change the where how he feels that love my change, But your side if it's not gonna change So you don't say anything about Uh, that you're disgusted with this behavior. Oh, absolutely. You hold them accountable. Okay? Yeah. On the back end of letting him know how much you love him. How much is tethered in? You Let him know that the life he's just like I love you. I hate what you're doing. That's right. And you're hurting yourself. You're hurting everybody around you. We want you to come home and we will be here when you come. Yeah, that's not. That's a good idea, and plus probably Um, it might take you a little while to craft that letter, and it might help you. It will free you too. That's the That's the secret side. I don't tell people that's gonna It's gonna untether you from the outcome of your brother's situation. Here's the hard reality..
KTAR 92.3FM
"ramsey solutions" Discussed on KTAR 92.3FM
"Then they predicted, I look at that and I go. That's optimistic. You know, we've got not exactly a check mark. It's not. It didn't just bounce back. It didn't bounce back. And the reason it didn't was. We've continued with some of the draconian policies. That's right. But we also got small businessmen and women that are fighting to save their business fighting. To save your job. We've got entrepreneurs that are fighting to come up with new business models and new consumer products that are coming out of these times. The point is, we've got to choose to say I'm not gonna let this circumstance of pandemic and everybody else's reaction to it. Color, my perspective and thus my actions. I think it's well said and we've gotta be careful what we consume fear Porn. If you consume fear all the time. That's all you see is an attack around every corner. And you you become subject to it. You know, you're no good. And you can see people's eyes. Oh, yeah, There's something going around, You know who? Where's the Boogey man all the time, as opposed to go Look, that's a tough time. America's been through tough times before other countries been through tough times. And what have we seen the human spirit? If it decides to fight and to and to say, all right, we're going to overcome this and adapt. Then good things can happen. And I am I am very optimistic. I just trust business people, man if we just get the government out of business. I feel real good about you, the people I do well, because you know this idea that somehow business people are out to harm. Their employees is absolutely asked. Not garbage. That's ass tonight. Yeah, they can't do that on purpose. We spend so much money acquiring team members the amount of money I spend recruiting and getting people here and then turn and kill him. Right. That was just assassinated. Well, you said 100 times you can't can't get to the vision that we have for Ramsey solutions as it continues to evolve, grow without people. So we turned off our hiring for 60 days because we were conserving cash to make sure we were gonna turn the corner and survive. We've you know, we've stabilized our revenues. Now we've pivoted and pivoted until I'm sick of the word. And and so we're back in full har mode now, and we'll hire 200 people by the other year, probably on and so you know, can you I was talking with a guy last night in business and Can you imagine being in the plexiglass business right now? Oh, my goodness. They can't. They can't hire it. Keep it? No, it's like everywhere, but he's got a piece of glass up somewhere. And, you know, every cash register suddenly has this is absolutely maybe like being in the mass production business. How about how about all those toilet paper? Sure, detectives right now and the paper. Tell people they are living good right now, after all of the collective freak out In America three months ago. You couldn't find toilet paper. If you tried. You couldn't find it. Bring toilet paper shortage of the spring of 2020. Well, I mean, it's weighed it Z crazy. I mean, there's opportunity everywhere. Uh, Gosh, we just have tol. We have to infect people. I know you're gonna get on that word, but I chose it on purpose. We've got a big fear. Fear is more contagious virus, But we have got to infect people with some optimism to say yes virus is highly contagious by the way, but the fear is more fears way more and by the way. I'm gonna say this. The fear and the fall out of this virus and the draconian leadership measures will have harmed more people than the actual virus. When this is all, said boys, all kinds of data already showing that All.
The EntreLeadership Podcast
The 6 Types of Working Genius with Patrick Lencioni
"With have different talents than you. Sometimes that can be frustrating. But it's actually a good thing because we all have different strengths and different weaknesses. we have different personality styles. You guys know this. It takes a village but what we do to try to figure out the space and understand our people better. If you're like me you start taking. These assessments disc myers briggs in your graham. All good things. But here's what a lot of those things. Don't tell us. Can this person actually do their job from the ramsey network. This is the entreleadership podcast where we help business. Leaders grow themselves teams and the prophets. i'm your host tardy and my guest. today is paddling. Joni pats the founder and president of the table group where he spends his time speaking and writing about leadership teamwork organizational health. But here's the thing is. He's not just another consultant. We have worked with him. At ramsey solutions and andre leadership for years. We've given every one of his books to oliver team members and would give him out at our entreleadership events because his stuff is so legit. When it comes to team culture values you've got to be reading pellet joni now this is exciting. He and his team have developed a model that helps leaders identify their teams areas of working genius areas of life draining weaknesses. That if they're doing those activities too long they're going to burn out and quit. You don't want that so this is going to be a lot of fun but before we get into the model we have to first start with understanding the foundation of a great team. Well it all starts with trust which is humility based and vulnerability based if people can't come to sit down with their team and say i don't know the answer i need help. I'm sorry i was a jerk yesterday. Or i don't know what to do here somebody else or you. You're smarter than i am at this. I wanna be like you if people can't come work and be emotionally buck naked if you will it then you're done because if people can't come and be raw open honest they're not going to be able to engage in conflict because they're not going to be telling the truth and they're gonna feel like that's too risky. They're not gonna commit to decisions because they never really weighed in. They're not gonna hold each other accountable and say hey. You're my friend but you gotta do better than that on this one which is a great thing on a team. But if you can't be vulnerable you're not going to do that and they're not gonna actually do. What's in the best interest of the team. They're going to look at themselves. So that's the basic way that teams function from trust to results. But in order to do that you really need to be humble hungry. Smart person which is i. I don't think too much myself. I think others are more important than i am. Honor them. I work really hard. I'm hungry and inter personally smart. I know how to deal with human beings and if you can find humble hungry and smart people and put them in an environment where they build trust have good conflict hold each other accountable and do all those things. It's going to work. It's not complicated. I know i just went through that very quick. And i talked about eight different things but it's very simple. Are there blockers to trust aside from not having those people who are hungry humble smart well i would say there's blockers if the league doesn't have that and it's counter cultural by the way i should say that to people don't grow up thinking about being vulnerable they teach you to grow up and you know reveal just the parts of yourself that you think people like and this is. This is a problem. So that's why human beings have a hard time being vulnerable is because we think we're supposed to come into the world and protect ourselves but that's not what makes a team great so i think that if you have people that are humble hungry and smart and the leader gets that and nurtures that i. I don't know that there's other blockers. I'm trying to think what might that be. I mean there's environmental factors. Maybe working a company. That doesn't mike that doesn't reward that but if if the person at the top thinks it's important and crates environment from the top and i will tell you daniel that you know one of the reasons that i work with ceos and their teams because it needs to be modeled from the very top and it's not that they're more fun to party with like. Oh i want to be important. I just think if you can get the people at the very top organization to do that. You have a fighting chance in the rest of it. And when i go into an organization and i start at the at the bottom someplace. They're constantly looking up and going. Do you think they're ever going to get this so it just makes more sense to come. Which is why love talking entrepreneurs could is like you can turn your. You can turn your company into a trustworthy us. Good team quickly if you make that so with you and your leader well it sounds like what you're saying in some ways similar to our friend john maxwell he's has everything rises and falls on leadership absolutely. And if you're not working with the leader you're not working with the highest leveraged point of culture. Yeah that's their job. Yes and when they don't realize that when they think their job is just figuring out the technical parts of the of the operations then it's really difficult. So yeah john. And i would be incomplete alignment around that and that's why the leader is so important but that leader can't believe that they're inherently more important than the people lead their actions and behaviors are just more important. Yeah i think the is that they're more important but not more significant. Yeah you know. It's it's the it's the it's the challenge of humility article years ago called the trouble with humility and that is that as a leader. I have to believe i am just like anybody else here. I'm just a child of god a person. That's i'm no. I don't have more significance as you say. And so i have to believe that. But my words and actions are going to have a disproportionate impact on everything else around here. The problem is when people realize that their words and actions are disproportionately important. Sometimes they start to personalize it and say man. I'm pretty important here similarly people that say. Hey i'm not that important. So they forget
The Ken Coleman Show
"Should I Sacrifice On Pay To Work In My Dream Career?"
"I am coming to you. Live from ramsey solutions. Studios in nashville. And you or joining a conversation about who you are what you were created to do where you want to do that and how you can get there. It is a different kind of talk radio talking purpose and your purposes and actually about you. It's about others. You were created to fill a unique role in and through your work. That means you are needed your tremendously valuable and it means you must do it. You must do that thing. You must perform that role because somebody out there need you to show up day in and day out week in and week out year in and year out and be the best version of you. We're talking about working like no one else. Combining that personal mission with that professional vision. Taking your mondays back. You shouldn't be miserable driving in on monday. Life is too short live for the weekend. Sadly workers all around the world. Try to make it to friday quitting top and it's been the next twenty four forty eight hours trying to drown their sorrows sometimes literally from the week ahead and sunday night. The tension returns the misery returns on the way into the office on monday morning. Folks if that's not what you want you're in the right place. Eight four four seven four seven two five seven seven to call in show at your show. You're one phone. Call away from clarity. You have the answers. It's my job to pull them out of you. Let's go eight four four seven four seven two five seven seven. The website is ken. Coleman dot com. Follow me on instagram at. Ken coleman to be equipped encouraged and even entertained from time to time. We started off in jacksonville florida. Michelle joins us there michelle. You're on the ken. Coleman show how are you. I'm living the dream. Shell what's going on. I said i'm good. It's a pleasure to be speaking with you today. my question. I'll start off you know. I'm in the lamar. I'm wondering if i should sacrifice and take a lower paying salaries in which is a significant pay cut to pursue a position in a different field. The work well. I need to know more before. I answer that one. What is the field of work and then take me further not just into the field because that the it implies that you're gonna beginning entry level here which would be the reason. Hey cut but take me to the dream. Take me to the mountain. Top in that field. So what's the field and then what would be the dream job So i wanna get into human resources. I actually don't know what my dream job would be within the human resources umbrella. I'm not sure if it would be benefits payroll maybe just a generalist position or employee relations. i'm kind of in the field now but not not so much. Kind of that core I'm in talent acquisition. So we're kind of alongside day. We partner with them a lot and become the company i work for. It's a great company. But i've been kind of just stuck on that talent acquisition side. There hasn't been many opportunities for me to jump human resources or even to learn Other than kind of that surface. So i you know took it upon myself to explore other opportunities outside of the company to really see you know what is out there for human resources. How can i get started I've been in my line of work for about eight years so with that. I've got promotions. I've thought raises. And at this point. My my compensation You know a little bit higher. What's your station about. Eighty thousand right now while. Okay so i think. I i gotta tell you michelle. I think. There's a disconnect somewhere here. I don't know how someone is sharp as you who has moved up the ladder in talent acquisition. Now making eighty thousand dollars a year. Can't catch a opportunity to move. I even want to say laterally in your own company. And i'm not doubting you. I'm just saying there's a disconnect. How is it that you are succeeding and growing in company and and not and not one opportunity to move over into the hr side of things has ever developed. How is that possible. Since being with the company i i've seen you know opportunities for between only just a couple you know would pop up here in there. Maybe once a year once every six months and either we're looking for more qualified people so that means searching externally for someone that already has those credential or or kind of competitive internally. We have a big. Hr team so everyone trying to shift on over okay but you will. Have you made the right relationship connections within your company with the hr decision makers given that you're working with them in your certainly in the same building I have to a certain extent. I haven't you know bluntly tell them that you know i want to be in a pause. I'm not saying that's the. That's the single silver bullet revelation of this phone call. But that's a big one right there. The wing you said it actually is beautiful. You said it really. Well you've just haven't bluntly told him. I want to be over here. Don't you think that's a challenge. That's a problem. I guess. I am. Because i haven't said that i'm kind of afraid of their reaction or or what they would say or if they interpreted. What's the worst that could happen. Let's let's go to your. I love this exercise. This is the monster under the bed. That our kids tell us dan. I'm telling you there is a monster. There's a dragon is going to eat me as soon as you close the door.
The EntreLeadership Podcast
How to Build a Brand with Tim Newton
"Hey if you run a business, you know that your brand matters but what is a brand? We throw that phrase around a lot and the whole idea of branding originated with cattle ranchers. Hot Iron into the side of their cow say visually, this is the sign that says, this is my cow and ever since then branding has often been associated with the logo, the imagery, the visual experience, the guys that's only a small part of the deal. From the Ramsey network this is the entreleadership podcast where we help business leaders grow themselves their teams and the Prophets I'm your host Daniels already and my guest today is ten Newton. Tim Lead all things branding here at Ramsey solutions as our senior creative officer and when you hear him talk about branding, you're gonNA to understand it so much less about the visual experience and so much more about your values, your convictions and the story of Your Company. Now Ramsey solutions we have always had a great strategy for branding. In fact, in the early days, it was all over the place. It was. Whatever came up in anybody's mind when out. So there was no connection. There wasn't really thought about brand, but there wasn't intuitive an intuitive nece about the brand Dave intuitively understands grabbing people's emotions and so like he knew to say statements that represented what mattered to the brand and what mattered to him like that's a part of branding something new and we would take those statements live like no one else he can live like no one else. We would take statements and put them all replace. So there was consistency, but it was it was intuitive. There wasn't tenacity to it and so thankfully it. It was coming together back then but just out of intuitive nece. Yeah, if. There was there was energy. Yeah. Yeah. But I think what? What helped it was natural passion. Like that, that's what it was. We gravitate towards passion when a brand looks like there's passion when people look like there's passion we gravitate towards that. So thankfully, even then since the beginning this whole thing, there was passion and that's one of the strongest things a brain can have. Okay. So that was there. I remember back in that day that you're talking about. We went to a live event and we've got all these tables in the back. That have our financial peace stuff. told him make stuff junior stuff entreleadership stuff because at Ramsey we've got I. don't know fifteen different lines of business and each one is run by a VP who's kind of like a miniature business owner and they were responsible for whatever their stuff looked like like it was on them. There wasn't like a centralized. Branding. Creative team brand standards we didn't have a CMO. Like I said, it's the wild west. And I had a buddy who was a big time AD agency Guy who really understood this branding stuff and this is the first time. Personally. That had thought about light bulb moment of like Oh. There's something going on here. He came to the live event. And I said, Hey, what do you think and he goes? Well, this is awesome. This is awesome. Dave onstage is awesome as what do you think about our you know emerge and all this kind of stuff he goes honestly. It looks like a roadside fireworks. And it's so overwhelming and confusing, and the message is don't go together. The FONZ don't go together. I guess. And I think a lot of business owners can relate to this because you know we're just trying to ship stuff. Get it sold Tim. And taking the time to actually think through how does the customer experience this? How do they feel when they see it and I also my experience? I, guess we live so close to our products. Yeah, and we forget that the design and we just know what they do where we know our products services very intimately. We know websites really well, and we forget what it's like to have fresh eyes experiencing that brand for the first time. Yeah it's totally true. It takes it takes a lot more work in effort to understand the emotional connection with the brand but also you're talking about consistency and fonts working together and the narrative working together. All that stuff is emotional. IMPOSSIBE said earlier we we had. An Entrepreneurial Mindset that's an entrepreneur to just go go go and I totally get that. That's that's where we were back. Then just go go but over the past few years we've gotten really good at taking a step back and saying how do people experience this at every touch point? What are they feeling when they go from this to this doesn't make sense does it make them feel like they're going to have freedom after using this thing like we're we're taking these steps to understand the connection, but there's there's a lot to be said for consistency.
The EntreLeadership Podcast
How to Build a Brand with Tim Newton
"Hey if you run a business, you know that your brand matters but what is a brand? We throw that phrase around a lot and the whole idea of branding originated with cattle ranchers. Hot Iron into the side of their cow say visually, this is the sign that says, this is my cow and ever since then branding has often been associated with the logo, the imagery, the visual experience, the guys that's only a small part of the deal. From the Ramsey network this is the entreleadership podcast where we help business leaders grow themselves their teams and the Prophets I'm your host Daniels already and my guest today is ten Newton. Tim Lead all things branding here at Ramsey solutions as our senior creative officer and when you hear him talk about branding, you're gonNA to understand it so much less about the visual experience and so much more about your values, your convictions and the story of Your Company. Now Ramsey solutions we have always had a great strategy for branding. In fact, in the early days, it was all over the place. It was. Whatever came up in anybody's mind when out. So there was no connection. There wasn't really thought about brand, but there wasn't intuitive an intuitive nece about the brand Dave intuitively understands grabbing people's emotions and so like he knew to say statements that represented what mattered to the brand and what mattered to him like that's a part of branding something new and we would take those statements live like no one else he can live like no one else. We would take statements and put them all replace. So there was consistency, but it was it was intuitive. There wasn't tenacity to it and so thankfully it. It was coming together back then but just out of intuitive nece. Yeah, if. There was there was energy. Yeah. Yeah. But I think what? What helped it was natural passion. Like that, that's what it was. We gravitate towards passion when a brand looks like there's passion when people look like there's passion we gravitate towards that. So thankfully, even then since the beginning this whole thing, there was passion and that's one of the strongest things a brain can have. Okay. So that was there. I remember back in that day that you're talking about. We went to a live event and we've got all these tables in the back. That have our financial peace stuff. told him make stuff junior stuff entreleadership stuff because at Ramsey we've got I. don't know fifteen different lines of business and each one is run by a VP who's kind of like a miniature business owner and they were responsible for whatever their stuff looked like like it was on them. There wasn't like a centralized. Branding. Creative team brand standards we didn't have a CMO. Like I said, it's the wild west. And I had a buddy who was a big time AD agency Guy who really understood this branding stuff and this is the first time. Personally. That had thought about light bulb moment of like Oh. There's something going on here. He came to the live event. And I said, Hey, what do you think and he goes? Well, this is awesome. This is awesome. Dave onstage is awesome as what do you think about our you know emerge and all this kind of stuff he goes honestly. It looks like a roadside fireworks. And it's so overwhelming and confusing, and the message is don't go together. The FONZ don't go together. I guess. And I think a lot of business owners can relate to this because you know we're just trying to ship stuff. Get it sold Tim. And taking the time to actually think through how does the customer experience this? How do they feel when they see it and I also my experience? I, guess we live so close to our products. Yeah, and we forget that the design and we just know what they do where we know our products services very intimately. We know websites really well, and we forget what it's like to have fresh eyes experiencing that brand for the first time. Yeah it's totally true. It takes it takes a lot more work in effort to understand the emotional connection with the brand but also you're talking about consistency and fonts working together and the narrative working together. All that stuff is emotional. IMPOSSIBE said earlier we we had. An Entrepreneurial Mindset that's an entrepreneur to just go go go and I totally get that. That's that's where we were back. Then just go go but over the past few years we've gotten really good at taking a step back and saying how do people experience this at every touch point? What are they feeling when they go from this to this doesn't make sense does it make them feel like they're going to have freedom after using this thing like we're we're taking these steps to understand the connection, but there's there's a lot to be said for consistency.
The EntreLeadership Podcast
Defining Purpose, Vision and Mission with Ken Coleman
"I'm your host, Daniel Tardy and my guest today is longtime friend fellow Ramsey team member, an Ramsey personality, Ken, Coleman, I, remember the first day that I met him. He wouldn't shut up about what he believed. He was called to why he was at Ramsey and what he was going to do with his life was borderline obnoxious but I admire it when he started at Ramsey solutions well, it's initial job here wasn't exactly in line with his vision, but I tell you after years of doing it the right way being diligent being teachable and pushing for what he knew was inside him the reason he was put on this planet today few years later he's on fire he's absolutely in his sweet. Spot spinning everyday. Now, helping tens of thousands of people all around the country figure out what their purpose is just like he found his as soon as you can tap into the thing that you're doing everyday being completely aligned with who you are and why you exist it's magic. In fact, I'm going to tell you it's a multiplier on your business as a leader. You figure this thing out the purpose why are you here? You can have more energy more fun. Your team's going to be happier you can have more alignment your vision is going to be clear that's going to lead to more resulted ultimately, you'll help more people that's what it's all about and it all starts with getting really. Curious. I knew before I came to Ramsey solutions I wanted to get into broadcasting, but I didn't want do sports broadcasting. I didn't WanNa do nightly news. So your traditional journalism broadcasting I knew that I, wanted to. Be In a situation on radio and television and the television dream is is building. Where I just wanted to interact with people and be a counselor and a coach I liken myself. To kind of a three headed animal on the show. The Ken Coleman Show on every phone call I am. A. Counselor a coach and a cheerleader. and. It's almost always in that order. Because you gotTA listen. In perceived dig, discern all those things and you hear the problem you hear the challenge of the need, and then you've got to come and begin to coach and teach. And Guide if you will, and then at the end, you know it's Here's your homework assignment. You've got this I believe in you get after it and that's the cheerleader thing. So I had a sense. Of very clear sense. Of what the content was, which was what had helped change my life. When I went through, you know at the age of thirty, one, thirty, two, I'm faced with a real career crisis in that this fire in the belly I had had for public service in politics went away. And I had been aiming towards that and making progress towards that since the age of sixteen. So was a really confusing time for me and so in that time of wrestling through while I know that it's not politics I'm not one, hundred six, you're what it is. And this isn't very difficult to understand. But when clarity doesn't exist confusion reigns, right? Right. You know confusions runs like a cockroach Dila Corner when you turn the light on room and so going through the process that I went through getting Pete Richardson was really informative in my life and some other people and I went through the exercises that Pete told me to do. It was really a self-awareness deep dive. It's a that process gave birth to what I'm doing now. So I was I wanted to give that clarity to somebody else to a lot of somebody else's
Ramsey Call of the Day
I Have $50,000 Left Over From College Scholarships
"In the lobby of Ramsey Solutions Jona joins us for the question John Holliman. Ramsey thank you very much for taking my question. Sure what's up? So in a little over week, I'm going to be starting my college experience and I'm in a very fortunate position to where I'm receiving hundred thousand dollars towards my college cost Lloyd ago. Thank you however through a number of merit aid scholarships that four year total is going to be about fifty thousand meaning the residual is kind of up there and that's my question is. In the four years that I'm in college. What should what should I do with that fifty thousand that remains Where you going to school that? Ole Miss Bonus or what are you studying chemical engineering with a potential double major in Mandarin Chinese of course. Goodness. Gracious. Wow smoke. That's fun well. Here's the thing. Joni you. The amount of money you can make investing fifty thousand. Pales. In. Comparison. To What The To to what your degree is worth. In the marketplace, so you are a better investment. than. Mutual Fund is. Now granted. We don't need that fifty thousand and we don't think for you to graduate. Now, without debt but if the merit scholarships dropped for some reason, this fifty thousand sitting there not invested Is or not trapped in something is worth more as an insurance policy on you getting through school without that then than any amount of money would make. So let's say it may ten percent Sharon cry so you'd make five thousand bucks. And you. So you'd make in four years you make twenty grand correct, which isn't spit compared to what you're going to be making absolute. Be My. Hope. I think that's fairly predictable with you. Sir. So the You know what you could make on. That is not as good as making sure you get through debt free. So if you WanNa just park it in a mutual fund or a money market account you can if you wanted to put it in a low risk, low volatility, mutual fund or some kind that's fine but you could still lose some of it. I would not put it into retirement account I would not put it into a super long term thing because then you're going to be tempted if you get squeezed to borrow instead of using that money. And again, you're the magic sauce not investing. Investing long-term become the magic sauce, but it'll come from your income that you're going to create. So pretty incredible situation you got yourself into. This is neat. Your Mom and dad did a great job obviously without much merit scholarships you did a great job. So those are academics a lot of them. Yes yeah. Okay. Very cool. So what is the deal with the Mandarin Chinese you want to go on the mission field or something? No. So That's actually through a federally funded program at Ole Miss this a flagship. Mandarin Program, and so I've studied Chinese since middle school and it just so happens that as I was searching for college that program popped up and I was able to go there, visit them at a really good impression and. It seems as if they had a good impression of me. So but I mean, you didn't have there wasn't like mixing that with the chemical engineering and some way that you had a certain goal. It's just you've enjoyed the language exactly Oh. Okay. All right. That makes that makes sense. I thought maybe the two together we're taking somewhere. I didn't know what you were doing. Okay. Might might be international business of some kind but Wow and what a great language to know in today's world. Absolutely. So very cool. Why Shop Guy Man thanks for coming by.
Work Matters With Ken Coleman
Google Career Certification Versus College Degree (Who Wins?)
"Article. From INC magazine about Google's recent announced if you missed this, this is really exciting. Google has plans now. To come up with their career certificate program for a while and they recently announced that they're launching it. It's called Google career certificates. It is a collection of courses. That will help those who take courses get qualified in high pain high growth jobs. And they don't have to attend. A college or university. That is significant folks. Not, because it's a brand new idea. This isn't a new idea at all. To offer. Certification Training that don't require a student or participant to darken the door of a college classroom and it gets them qualified this not a novel idea. The reason that this is so significant is because Google is behind it. We're talking about one of the most powerful companies in the universe. Massive brand awareness massive brand credibility. So when Google says, Hey, we're launching a certification program trust me. Parents adults like you who want to make a transition. You aren't doing what you love and the only thing standing in your way is. Stage two of our seven stages which is getting qualified. It's all of a sudden. This is going to be very accessible. Now, here's the deal just a few details. It's a six month program. So all of these certifications are running six months and at a fraction of college costs. No here's how this is going to change the landscape. This is going to threaten higher education. Make mistake about higher education is going to have to pivot. They'RE GONNA have to get more innovative and start off. Education. In the form of Real, life? That allow students to say, Hey, I'm not stuck in college debt and can't get a job I. I'm not dead it's affordable and casual my way through it. And I'm now going to be able to step into something that I. Really. WanNa do. This is what Google is going to do. They're going to change the landscape. Now here's something else that's going to happen. because. It's Google. Other companies. I believe Ramsey solutions will eventually do this. But other large companies will say. What we're going to create our own job training program. We know we're, hiring for character. And a culture fit. And then we can train people. Who have the raw talent we can train them for the skill that they need. To win here, and that's what we need out of people. Companies are going to start to go If Google's doing it, we can do our own training program. That's GonNa Really. Change. Things. Folks. When kids can come right out of high school and get right into the workforce for good companies. Because companies go. We don't really need the degree requirement anymore we're going to step up our hiring game and our interview process. And we're going to hire really quality people's we're looking for character here and good culture fit. Personality fit. PASSION FIT And then we'll train them on the actual skills. And you're GONNA see companies that are hiring. More and more go you know what? We're going to drop the college degree requirement. But you do have to have this certification that's going to be good for you the worker.
The Money Guy Show
Deep Dive on Dave Ramsey's Investment Advice! (Financial Advisors React)
"Yeah Brian. So this what is going to be kind of interesting? We sort of asked the audience out there. Hey, you know we've talked about Dave's investment advice in the past. Would you be interested if we did a bit of a deeper dive? What are some things that are good where some things that maybe aren't so good what's our take on it and there? Was a resounding yes. From the audits that they wanted to hear it. So here we are to share our thoughts I feel like we need to lay out some ground rules though I mean we do live in Franklin Tennessee and we're kind of in the backyard of the big dog himself Dave Ramsey, and here's the thing you can't live in our parts and not have. Neighbors, people you go to church with you know there's a lot of you know of Ramsey solutions that are all in the community, and by the way if you were here thinking you see a show were Ramsey solutions are Dave Ramsey is trashed. You're in the wrong place. We have tremendous respect for Dave and I think if you even as we poke holes in some things that I think Dave is going to astray on and you can improve upon there is no doubt that Dave has done more good to the financial world than anything else if we just wanted to kind of look at some of this quick accomplishments, he has over fourteen million listeners to his weekly radio show he sold over eleven million bucks. He has this says, this is from the website over eight hundred team members I know that just because some friends whether it's like nine hundred and fifty employees think about like how many lives is impact in this? Is just absolutely remarkable more than five million folks have gone through financial peace. University. So if you do this exercise awhile backbone I can't remember you saw speaker somebody in you named out some big brands you'd come up with one word to describe them, and so if you throw out Ramsey solutions, what's the one word that that comes up in my mind? It's debt. Think Dave there is nobody that gets you out of debt better than Dave Ramsey. So what I'm trying to figure out those we know Dave, does so much good with getting people out of debt he talks about the eighty percent that's behavior that yet twenty percent that's in your head. What does that mean towards investments because is, is there space to know that there may be some additional things that you ought to consider? Yeah. So one of the things that I think is amazing I will have a family members or relatives who I tell them all the time about, hey, here are the things that you want to do to like get a credit card debt or pay this off in no matter what. I say how communicate somehow it doesn't doesn't sit with them but in all of the sudden church offers like financial peace university, go through it and they come tell me how you will believe what I just learn their own far for the concept. I've been telling you this for like months and years but what ends up happening is they kind of get through that interational and they do say okay now I'm ready to. Start Building Wealth, and this is what Dave said about investing, and that's where I always have to kind of say. Oh, well, maybe that's not exactly perfect. So let's I. Want to go a little deeper because Dave does talk about the eighty percent. This behavior twenty percents head space will there's also I think it goes beyond that is that we know that the lion's share of Americans struggle with basic things what I consider. Commonsense of they can't get out of debt. They don't have the disciplined understand it, and we've often said there is and you just mentioned it. There will come a graduation or a jump off point where you need to go beyond common. That's right. So I, think that's where we fit in. We are not the eighty percent or the portion of the public that struggles with basic behavioral stuff we know that our audience are maximized. Money Masters we know that if this doesn't hit you, it's just you're not there yet we are focusing on the twenty percent that wants to make sure every dollar in your army of dollars has a purpose and knows what they're doing and you WANNA maximize it. So that's what we're going to focus on, and that's what we're going to look at it through that lens to see how does Dave's investment strategies? How do they fit in what we know is financial advisers about wealth creation. So if we're GONNA talk about areas where possible he misses it a pasta hits at one of the questions you might be asking what is Dave Ramsey's investment advice so we actually went. Out to Ramsey solutions and I think this is on Chris Hogan's website, and he basically lays out how to diversify your portfolio. If you're structuring investment portfolio, Dave likes using mutual funds, he likes using active mutual funds and he thinks that an investment strategy should look something like this twenty, five percent and international twenty, five percent growth and income twenty five percent aggressive growth in twenty-five percent and growth that certainly sounds easy. Doesn't sound like that's a hard thing to put together. Well, it sounds very broad and it sounds very growth oriented but I do like I think this is something that got fine tuned Chris came in as part of Ramsey solutions is he goes a step further. Tells you what are those broad descriptions like aggressive growth growth and income? Is there a large cap mid category international? So what's what's the deeper dive on that? So if you look at the details growth and income, these are the big companies is the ones that have a market cap of ten billion. Well, if you were to ask us the money got show rebound wealth what that is that's really large-cap. Holdings large cap US companies well, then they said there's this growth asset class naturally tends to be companies that are somewhere between two billion to ten billion dollars. Well, we would just call those mid sized or mid cap companies, and then there's this aggressive growth high risk high returns. These are companies that are smaller they're less than two billion. So we just call that small-cap now, all three of these are us. US large cap us mid cap small cap, and then lastly there's this international bucket companies that are outside of the United
podnews
Podcast listeners 39% more likely to drive a hybrid
"Co Friendly podcast listeners thirteen nine percent, more likely to be hybrid tribe, US kind where three hundred two billion dollar opportunity for the US auto market, says Nielsen highlighting that ten and a half million podcast listeners was shopping for a new car at the height of the pandemic restrictions in the US. And exclusive APP. Company Maple Media. Which purchased PODCAST APP PLAYER FM on April the thirtieth has bought another android podcast APP podcast. PODCAST has had more than half a million downloads player fan more than five million. We're told a formal announcement is to be made in the coming weeks. Megaphone will now offer attribution standard for ads books through the megaphone targeted marketplace, following an agreement with Hod sites. taught joined a media analyst for Bernstein has decided. It's unlikely spotify will generate much earnings from podcasts and has downgraded his rating on the stock. It's not the first time. He's taught spotify down this year and he's been wrong in the past. Has Launched the third edition the Audience Awards which is open to Spanish speaking podcasts we to the rules, and if you are eligible podcast, Buf- until July twenty six to enter your show. At world says it's the world's largest online advertising advantage scheduled for November the second to the fourth with over fifteen tracks including one on podcasting this year you can get an early bird pass now for just thirty nine dollars, apparently, the final price, two, hundred, nine, thousand nine hundred dollars. Nominations are open for the podcast awards. You can vote for anyone you like. Though you know. This podcast is in the politics and news category. Just saying you've got until July, thirty first to vote dressed to to vote to vote. ANDROID, user someone I've read Hacker News is building an open source android podcast, APP, and they right I was wondering if I can add any specific features to make it more interesting for frequent podcast business. You want to tell them we give you link in our show notes and our newsletter today and Ramsey solutions are looking to grow their team of speakers, writers and broadcasters I'm in the legacy. Stage of my career has Dave Ramsey where I now get to share my success and platform with this next generation of speakers, authors, some thought leaders and helped them be successful.
The EntreLeadership Podcast
The Power of Asking for Help
"Hey guys denotes hardy here. I know a lot of you. Listening to this podcast are not necessarily in a leadership role today. That you hope to be. Your hungry to grow and learn and figure out. How at some point, you can have more responsibility to carry the water. Well I'll tell you. My own story I I've been with Ramsey solutions for about sixteen years and I started here not in a leadership role, but it really entry level sales position I done sales before I, enjoyed sales, but kind of always aspired to the leadership thing. But I didn't have a lot of background in that I was really young. I actually had dropped out of school and. Everything that I've learned about leadership really has been the result of mentors and coaches. And other people who were leading giving me advice along the way. In fact, I don't think I'd be in leadership had I not early on developed the habit of asking for help. On talk about the power of asking for help. If you WANNA learn something. You can learn anything you want to learn. And I believe in books and I believe in online courses and all that kind of stuff is really good, but if you really WANNA learn. You've got to find people who are great at the thing you want to be great at. And get their time and get on their radar and ask them to push into you to make you a better leader. That's how this works. If I can look at anything as a habit. That I can point to go if I could reduce it all down to this is the advice I would give to any young spiring leader. It would be the habit of every day every week asking for help. Asking for Hey, can I get lunch with you an interview and ask you some questions and then going back and actually putting that stuff into practice, not just one time, not just one mentor that anybody you can find and let me tell you. Everybody can teach you something even if they're not formally in a leadership roller, even if you wouldn't adopt, every aspect of their life isn't what you aspire to. You can learn something from everybody, and so if you're teachable in, you're hungry and you apply this habit. You'RE GONNA transform. You'RE GONNA. Become a better team member. You're going to become better leader. Here's why this is so powerful. When you ask for help, it communicates that you're hungry. It also shows that you WANNA grow. And in my experience, it's so rare for people to actually say. Hey. Can I get time with you and go to lunch and learn? It's so rare that you're gonNA. Stand out among your peers. So, when an opportunity comes up, you're going to be a little bit more top of mind with the decision. Makers who are thinking about who can help us with this project is somebody that we can hand this ball to. They'll run with it and prove they got what it takes, and that's the stuff that that shows everybody. I think I have this leadership potential thing, and it gives you a playing field to actually run on so. Here's the thing that. I got to give you a little bit of like from my side of the seat today. Because I'm fortunate that been leading for Awhile and now people are asking me on a regular basis. Can I go to lunch? Pick your mind. It's never this profound thing and I don't have all the answers, but but I do get asked a lot and there's very few people that do what are about to tell you that I think is really the secret sauce. There's plenty of people who asked when people say. Can we go to lunch and Envisat and I'm always happy to do that. But the number of people that afterwards. Actually. Follow through on what we talked about. It's actually pretty rare. And if somebody who wants to know that my time is spent doing things that are fruitful and really adding value. The ticket to continuing to get time with somebody you know somebody that you want them to be a mentor of Yours. If you just take him to launch an ask questions, and then don't ever talk to him again or don't let them know that you appreciate the value of what they gave you. Odds are the probably not GonNa Continue to mentor you, but if you want to continue to get their time, it's really simple. He got do afterwards as cinema. Thank you. Let them. Know How much you valued which has talked about? The second thing is go freaking. Apply what you learned. Go put it in practice whatever they told you to do. Go do it. And then here's the key. Two to three months later. And is super rare I've had this happened a few times. Just let me up when I got these notes, but Sinon note saying here's what I've been doing. Over the last two to three months, we had launched the other day. Here's what you told me. Here's what I went back and did. Here's the value at created in my life. I get that from somebody. They're going to get lunch anytime they want. They're going to on my schedule. They're going to be on the list of people that get around the gatekeeper because I know that they're actually going to follow through in their hungry enough to go do what we talked about. So if you want to get ahead in your career, if you want to level up and become a leader and take on more responsibility. Communicate. You're hungry. Show people. You want to grow show. We'll do whatever it takes. Meet them wherever they're at on their schedule. You meet them at their favorite restaurant. You meet them at six in the morning. If that's what's convenient for them, you sacrifice whatever it takes to go out and get in front of them and do it in a way that's convenient for them and then follow through. Let them know that you actually replying the stuff that this mentor. This coach, whoever it is the advice they gave you because they're giving out advice. All the time and a lot of people aren't listening to them, and if you listen to him, he'll show him that you'll listen into You're going to get more of their time more. The time is going to mean more conversations where you get the tools that you need to grow do that. Work your those muscles. You're going to become a leader.
The EntreLeadership Podcast
COVID-19: What Employers Need to Know About H.R. 6201
"Hey this is Alex. I think one of the things that were all realizing right now. Is this whole Corona virus situation? It's developing so fast like every single day if not every single hour and so WanNa make sure we're doing our part to give you the most up to date information about how our company is handling this but also how we see small business owners around the country leading through these uncertain times so we're going to be releasing some bonus episodes where senior leaders here within entree leadership and Ramsey solutions address them in the big topics and big questions surrounding the whole corona virus. Issue make sure you subscribe to the Entree Leadership podcast to get these bonus episodes at the top of your feed and here is today's bonus episode guys Daniel Tardy with the entreleadership team here Ramsey solutions. And I'm joined by our Mondo. Lopez Armando is our executive director of. Hr here at Ramsey solutions. And he's a good buddy and I wanted to bring 'em in and Armando Man. What crazy times right now in the world of HR yeah? I don't think we've seen anything like this Certainly in my career man. So let's say in my lifetime. That's probably true. Overlap there I imagine so. You guys know as business owners One of the biggest expenses that every business has is their payroll and entreleadership T- entreleadership. We teach that your biggest asset that you have is your team and so we're always talking about how to build a team and how to grow team and how to how to hire But right now we're just getting a lot of questions from you guys about. If you need to exercise the option of downsizing your team to kind of make it through the storm and man that can feel really scary. And we know that and Sorry that that's so tough for so many of you guys right now. It sucks. It is not a fun thing to be facing but face it with the data. Face it with some good information. We want you to make objective informed decisions. And that's why I brought in Armando to answer Some of the legal ease and things floating around especially about the bill that came out last week the HR sixty two a one There's some implications in that for small business owners so essentially Armanda my understanding is. There's some exemptions for business owners if they if they choose to lay off their team yep absolutely so I think you and Sarah already talked about putting people first and and you've already talked about the Karen concern that we as a company take With our team members yes And so I. I don't need to go back through that but What makes these conversations. These decisions hard is that there are people involved on the other end. It's right so while the bill does address some of financial concerns I. It's still hard conversation with that. Team member And so sick. Hr Sixty two zero one pass last week on Wednesday. It only applies to small businesses so these are businesses with five hundred or less. Okay five hundred or less you members. Okay so if you're under five hundred then you qualify under this bill. Today participate a couple of special provisions for companies with less than fifty so in less than fifty have a couple of nuances. That are a little bit differently but really what? Hr Sixty two zero one says. Is that if you have less than five hundred team members and you've got to lay people off or give them time Because they're sick or they think they're sick because they have a family member impacted by the Corona virus than you have fourteen days that you can take payroll tax credit and now the question always comes up what if my payroll tax is not enough so I don't have enough that I can take a credit right now with the government is saying is that they will actually issue you a check for the surplus of. He will get money back for that. Is that when they file next year or is that I mean when they go pay their Their payroll taxes so for most of our entrepreneurs are online. Right now there would be a quarterly payment quarterly. Okay so there. There's different options when you're thinking about you know. I think a lot of business owners right now are just even calculate the pros and cons of layoffs furlough keeping people on With without as much pay or partial hours and things like that Can you just talk through? Like what kind of what are the pros and cons of? If I'm saying layoff versus furlough for example is so layoff is not enough work for the business. And you truly take off payroll Almost completely if you reinstate them then they get their vacation time in other words you bridge that gap of employment so so if it never happened A furlough is I keep you on benefits. Okay and and now if I'm a that offers benefits and we are then we would pay our employer person portion of those benefits still okay and we could even opt to pay the full mount so furlough if you did that option. You're thinking okay. This is really tough right now. We don't have enough work but in two months we will. We believe we will. And so we're not letting you go. You're actually still a team member and we're just not able to pay you your paycheck right now but you still get to review your benefits having to go do Cobra or things like that where we're helping you get through it at least with the benefit benefits yeah. I don't know how many of our entrepreneurs out there have hourly team team members and so if you've got hourly team members and you just don't have enough hours for them It's hard for them to go right now and file for employment if you haven't separated them so if you have said hey all I'm doing is I don't have enough hours to give them. And so they're not really terminated. But they're not really getting any hours and so they don't have any money coming in for some of those cases. You might be better off going a furlough or a complete severance as the relations. Let's it'd be clear they if they're doing furloughed. They're not eligible for unemployment under a furlough arrangement in some states. They are okay. So have allowed that to qualify for an unemployment. Check with your local state on that When would it makes sense to activate doing pay cut? Maybe we've got half the work that we had And we want everybody to scale back and it's a weird conversation but it's kind of like hey. Do you want to work for half of what you've been working for to do? Maybe more work right now. Actually because it's not necessarily the amount of work but it's not a revenue coming in and if we're having to make cuts as a team to get through it. How do you navigate that? So you know it's funny Dinner you know this. But I'm in all these. Hr publications and like most of you. I'm sourcing in reading and talking to people that are in. Hr that have been friends for for a long time and a lot of states have a required. If you're going to drop someone's pay you have to give them notice in in those notices range from seven days to thirty days and so this is. There's not enough time right now to do some of those things. Some companies are wanting to make this voluntary and there are some states that are kind of lifting some of those restrictions But it is so specific for that stadium and our HR publications are warning against Acting too quickly. Okay against doing some of these things now even though you have a team member that says I'm willing to work for fifty percent less. If there's nothing documented there's nothing that says they're volunteering for this You've dropped someone's pay without any notice given could be recourse later if you didn't have that documentation so if the team is is truly a team and they go. Hey leader whatever it takes if we need to work for fifty percent to get through this. We're with you. We got your back. I would say that documented and and have them right up and sign. I'm choosing to do this and that way. It's not something that might prevent something in the future right We have such great people out there and you have such great employees out there. Some great team members that that are saying hey rather than have anyone get laid off. I'd rather take less money And it is not unprecedented. These kind of economic troubles have happened before. Companies have survived them by the team railing. And saying I'm willing to take a twenty percent pay-cut or I'm willing to take no vacation or burn up vacation now early So that for companies that are accruing vacation that money's already accrued so they can pay out of that vacation fund and and not have to incur. That cost today.