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Chapter 1: What should I do if my boss is using company funds for personal expenses?
Live from the headquarters of Ramsey Solutions, broadcasting from the pods of Moving and Storage Studios, it's The Ramsey Show, where we help people build wealth, do work that they love, and create actual amazing relationships. Jade Walsh, our Ramsey personality, is my co-host today as we answer your questions about you, your life, your money, your career, your relationships. 888-825-5225.
Tiffany starts off this hour. Hi, Tiffany, how are you?
Hi, thank you so much for taking my call. I'm sorry I'm a little nervous.
It's okay. What's up?
Um, I'm an office manager for a small construction company. And, um, one of the owners out of the two has been using a secret credit card and purchasing a lot of personal stuff with it. And then using the company's checking to pay off the balance each month. I'm just kind of curious, is it only, um, morally wrong if I don't say anything to the, uh, owner, uh, other owners or, um,
Is it not in my business to be passing information along?
So let me help you with how you answer a business ethics question.
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Chapter 2: How can I prepare to start my own business?
Treat other people like you'd want to be treated. So reverse it. You own a construction company, and you have an employee who knows that there is a thief inside the business. What would you expect that employee to do ethically?
Definitely tell me, but my concern is I feel like if I say something, I'll lose my job. But if I don't say something, I might lose my job too.
If you don't say something and I found out and you worked for me, I would fire you.
Okay.
For not telling me.
Why would you lose your job for telling?
The other guy's got more power than the guy she's telling.
They're equal partners, but one is kind of silent. He's a wimp.
The lion is the thief, and the wimp is the guy losing the money. You need to get out of there, don't you?
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Chapter 3: Is it wise to sell assets to pay off my mortgage?
Yeah, I just started listening to you guys about a week ago, and I'm finally in baby step one. I've got $98,000 in debt.
How old are you?
33.
What do you make?
Currently 56 with this job, and I just got a part-time job.
What do you make there at the thief place?
50.
Okay. And how long have you been there?
About three years.
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Chapter 4: What should I do if my bank requires a credit score?
I think he'll blame me for not, I guess, watching more closely and not giving him a heads up. I mean, everybody knows that... How long has this been going on? It's just gotten progressively worse over the past... That wasn't what I asked.
I asked how long he's been stealing.
Probably since I started.
Which is how long?
About three years. But it hasn't been to this level. Like...
Stealing has levels, but at no point is it okay.
So you're concerned because you've noticed this for three years and you haven't said anything, but now you're like, I got to say something. And you're afraid that the other guy is going to go, hey, why didn't you say something sooner?
Tiffany, you're going to lose your job.
Yeah, that's what I figured. You need to go look for a job.
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Chapter 5: Should I sell my house to pay off student loans?
I'm going to lose it either way.
You're going to lose your job because you didn't take care of this when you should have. The first time you saw it, you should have walked in his office, the other guy's office, and said, look, I don't know what to do with this information, but if the roles were reversed, I would want to know, and I'm going to leave the information with you to do with what you want, but it's not going to be on me.
I'm not keeping secrets for thieves.
I went to leave a year ago, and I figured that once I left that somebody else would see it.
No, honey, this is on your watch.
Okay.
You have to report the thief, and you have to look for a job. Number one, even if they want to keep you, you don't want to work there anymore. That's true.
Okay.
This is a messed up, toxic environment.
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Chapter 6: How can I invest part of my HSA account effectively?
Yeah, that's a warning sign when you're in a situation like that and you don't feel you'll be supported for doing the right thing. That's a problem too.
Yeah, even if they rise up and have a big clash over it and the guy we're calling the weak leader is, you're going to stand up to the other guy. Surprise, he stood up. Okay, we're all surprised. We're all shocked. But even then, you're not going to come out of this. You've known this for three years.
Right.
You don't come out looking good because you didn't bring it up earlier.
Yeah, it makes it look like you're part of it.
Yeah, that's what I was concerned about, but I look like the one who's actually there.
And hiding it is not going to fix that. Okay. So go get a job this week.
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Chapter 7: What are the risks of using a mortgage to invest in stocks?
Walk in and tell the guy, I should have told you three years ago. I'm sorry I didn't. I goofed. I let you down. I'm out of here. I'm not going to work in a place like this. This guy's stealing from you. Go take your new job.
I do have a personal question. I do have two interviews this week, but it's significantly like $10 less an hour. Do I just suck it up and take them and work multiple jobs until I find something?
Yep.
Get something.
Yep.
Something's better than nothing.
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Chapter 8: How can I manage my finances during a business venture?
Otherwise, every day you're going in there, you are a liar.
Okay.
You can't be that. That's not who you are. That's why you called us, because it's tearing your guts out.
Yeah, it's eating you up.
You're not that person. You're not that person, and you can't.
I've been taking anxiety pills for the past year.
Hello. Yeah. Hello. John Deloney says anxiety is a fire alarm warning you that there's a problem. Well, guess what? There's a problem. Of course you're going to have anxiety in a situation where you're protecting a thief, and you're not a thief, and you're not a liar by nature. Of course you're going to have anxiety. So, hey, we're going to save you a bunch of money.
We're getting rid of your anxiety pills because we're getting rid of this job.
You're going to feel so much better, Tiffany, when you get out of there.
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