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Chapter 1: What should you do when called to ministry but facing financial challenges?
Live from the headquarters of Ramsey Solutions, broadcasting from the Paws Moving and Storage Studio, it's The Ramsey Show, where we help people build wealth, do work that they love, and create amazing relationships. I'm George Campbell, joined by my good friend, Dr. John Deloney, and we are pumped to take your calls. 888-825-5225.
If you need a little help, a little advice to take the right next step with your life, your money, your relationships, your mental health, whatever it is, we want to attempt to do that for you today. Daniel kicks us off in San Jose. Daniel, welcome to the show.
Hey, you guys. Thanks for taking my call today. Sure. How can we help?
Chapter 2: What are the implications of Bank of America's recent fine?
Yeah, so I'm a worship and media director at a local church here, and my wife and I are expecting our first child. Congrats. Thank you. Yeah, she has had some complications, and we've experienced some pretty big financial hits this year. So she is out of work until she's due. So my question is, I'm definitely called into the ministry. However, with these financial hits, is it worth us?
Is it worth myself going and looking for another job and leaving the ministry, looking for part-time? We just really don't know what steps to take, especially when we feel called in the ministry.
When you say, I feel called, what does that mean?
I believe the Lord has designed me to be a worshiper and a worship leader. And that's my role at the church, is to lead people into worship and communion with Him.
Okay. What about what's your calling at home? How would you describe that?
A husband and soon-to-be father and provider for the home.
Okay. So at some level, if we distill it all the way down, there's a conflict between those two callings that you feel, right?
Yep.
yep so what i would suggest is this um if i was to label a call that i had in my life i would say it's to help people have a little bit better day after they've interacted with me than before and when i was younger i attached a call to a job to a title and i started realizing that ministry is done
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Chapter 3: How do you decide whether to sell your home before building a new one?
outside of a church just as well as it's done and as much as it's done inside of a church. In fact, it's everywhere. It's how I treat the waitress. It's how I honor my wife and my kids. It's how I take care of my friend George when he screws something up. It's a way of being.
And so my challenge for you would be, A, ask yourself, and this is for you and your theological mind to sit down and work through. Is God calling you? to a job over taking care of your wife and kids in this season. Because the money you're making at this job is not paying your bills. Correct.
Or can you be a person who brings people closer together, who connects people, whether you work at Burger King or whether you work on a stage at a church or whether you work changing tires at a local whatever or you're a counselor, can your call expand to, I'm a person who brings people together? That's what I do. And if somebody hands me a guitar and puts me on a stage, that's what I do it.
If somebody hands me a wrench, I'm going to turn it.
Chapter 4: Is living with family a smart financial move when relocating?
I'm going to make sure that guy and his family have a safe car to go on their vacation. I'm going to bring that family together. You see what I'm saying?
Yeah.
And so when I started looking for my quote unquote call, which is a whole other conversation, George, that I think we in our culture just got sideways. I went looking for a job description and And podcasting and YouTube did not exist. It hadn't been invented yet. And so I've learned that here's what I really think I'm good at.
And here's what I think I've spent 25 years trying to be good at this thing, like learning the craft of this thing, whether it's on the radio, whether Dave fires me tomorrow and I go do it in a counseling office or I go back to be a professor, whatever it is,
i just am going to continue to want people to be a little more peaceful after they meet with me right i think that the idea of call expands much beyond job description right yeah but yeah it's a hard hard decision i also think this man if you choose to step away for a season a it's not forever and b grieve it you're gonna miss it you get to play music every week right you get to write music and sit with hurting people like that that's something that you love to do right yeah yeah
So tactically, Daniel, I see there's a few options here. Number one, I think we need to go to church leadership and tell them honestly your situation. Not with any expectation, but just to let them know, hey, here's what's going on. I don't want to leave this place, but right now I need to go pay some bills and I'm looking into some part-time jobs.
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Chapter 5: How can you take control of your finances and change spending habits?
And that's option one is that you work there full-time and you take on a part-time job, which could affect your family because you're gone and your wife is going through it right now. Or you leave the ministry, maybe you do that part-time as a volunteer at the church and you work full-time in a different role right now until you guys get some financial stability.
And then maybe one day the role opens back up or it's still there and you go back to doing what you love. That's how I see it. I always like to give myself options even if I don't love all of them.
Yeah, that's good. And I'll also pass this along, again, I'm sure I'll get an earful of other people's theology, but I had a mentor of mine one time. I was young, I was in my 20s, and I was back and forth, and trying to find what God was asking me to do here and here and here. And I was all over the place. And he said something that was pretty transformative for me.
And he said, has it ever occurred to you that maybe God doesn't care what you do? He just cares who you are on the way it is to wherever it is you're going. And that was a significant shift for me. Cause I think of the people all over the earth who are in hellacious situations.
Chapter 6: What options do you have when considering a part-time job in ministry?
Um, and ask myself are they being called to a three-car garage are they being called to be a person of honor and integrity and uphold their whatever their religious values are in the face of great oppression the phrase of in the face of great fear in the face of god knows what right and so this idea of call becomes a much more expansive thing than um i have to work at this building at this job
That's just my thoughts, man. I could be way out to lunch. One man's opinion. There's people pulling over, screaming and yelling all over America right now. That guy's an idiot. Heretic. How does that sit with you, man? That's great. What are you leaning towards? That's great. That's great. Thanks, guys. If we hang up, what are you going to go do?
Chapter 7: How to navigate financial decisions with family involvement?
You know, I actually have a meeting planned to talk to our leadership. Um... But I do feel that we need to get some more income coming in.
Cool. Do you have another option? Like if you had to go get a new job tomorrow, what would it be?
You know, I don't really have that lined up, but I'm willing to go flip burgers if that's what it means.
I knew you would. Hang on the line. I'm going to send you my buddy Ken Coleman, his Get Clear assessment that can give you some options to say, okay, here's what I'm really good at. Here's what I love doing. Here's what I think I've been called to do. And here are a million different places where I might be able to do those very things that I've never even thought of. Hang on the line here.
We'll get it sent over to you on us. Blessings to you, brother. Congratulations on this new baby.
I'm George Camel. He's Dr. John Deloney. This is The Ramsey Show.
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Chapter 8: What strategies can help you budget effectively and avoid frivolous spending?
Open phones at 888-825-5225. Well, John, a piece of news crossed our desk, and we are not men of the news, but we report news that I think is eye-opening to our viewers and listeners and helps them make good choices with their money, which is why I share this article from consumerfinance.gov.
CFPB takes action against Bank of America for illegally charging junk fees, withholding credit card rewards, and opening fake accounts. And the CFPB, which is the Consumer Financial Protection Bureau, if you're not in with the cool kids,
They ordered Bank of America to pay more than $100 million to customers for systematically double dipping on fees imposed on them with insufficient funds in their account, withholding those reward bonuses, which they were promised to, and misappropriating sensitive personal information in order to open accounts without the customer's authorization or knowledge. Wow.
this is dark stuff i mean this is some wells fargo level stuff and i you know it doesn't surprise me that's from bank of america which is probably the next worst bank out there but you said that so dramatically it's wells fargo wells fargo like they're like oh my gosh this is sad
I think until the banking industry decides to align incentives across the board, right? And what I mean by that is we're talking about it off air. If person X has an incentive and they have no skin in the game down the road, they're going to do whatever they can to meet their incentive in their local market, right?
and on and on and on it goes down the road until you get an entire culture where cutting corners, making numbers for the end of the quarterly returns, it just becomes a huge mess.
Oh, man. This is wild. So to fully understand what happened here.
There it goes. Yeah, sales to meet now disbanded sales goals. So here's how it happens. Explain this. So you have a local teller who is told, if you get this many open accounts, then you get a bonus. That person doesn't have to deal with any of the accounts, doesn't manage the account. That's my job. I will get you 10.
And then it gets to the end of the month and somebody comes in and opens a checking account. And there's no skin off anybody's nose if he goes ahead and just opens a savings account and a money market account as well. And I get to book three. I got three. Well, then let's say that savings account has a minimum.
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