You have guts and confidence to do that because there are alot of people including myself that would be scared to do that based on our budget, even if it's within or affordable.
Agreed, I listen to the Ramsay podcast and I like a lot of the principles getting out of debt, saving and such, but yeah I think if you have a half million in the bank; about to clear 700 from house sale I actually think you’re in the perfect position to take a year off and just do what you want to do, it’d be another thing if you were broke and had 100k of debt,
My neighbors are retired, they sold their house and bought an RV to travel the country. With so many now doing the same they can barely get a space in an RV park, having trouble getting up the steps in and out of the RV, Pulled their backs out hooking up sewer and water, they are either too hot or too cold, the Medicare Advantage plan ended up only good locally not nationwide. Their dream has turned in to a nightmare. I saw them a week ago parked in front of their house they sold just looking at it from their tow vehicle. Yes, some do regret it.
@@eckankar7756 That was just bad planning on their part. I was in an RV traveling from Florida to Alaska with friends for a few weeks earlier this year. Most people I’ve met along the way were already into RVs long before retirement. They told many funny stories about dreamers they’ve met that jumped into RVs at retirement not having a clue.
I took a year off and traveled. I went to Indonesia, Vietnam, Thailand, Philippine, South Korea, and Singapore. I did it all with a budget of $10k. It is one of the best decision I ever made. That being said, you don’t need to settle in the States. There are many great countries out there. You can work or stay anywhere as an expat. As long as you financially plan accordingly, you can literally travel for the rest of your life if you want to. I know many people who do this and they are good at doing it.
@@roberttompkins9510 most of the time, sight seeing, swimming and drinking margaritas. I volunteer to teach English at a local center in Vietnam. Also meeting the locals and learning about their cultures and etc.
@@roberttompkins9510 I rent a small bedroom including a bathroom and small kitchen for $300 a month as my main base. When I travel I use hostel and stay in resort and hotels. Hostel usually cost around $5-10 a night. Hotel around $25 a night and depending on the resort can cost around $50 a night.
Wow wow wow, this is the worst advice Dave Ramsey has ever given. And the way they gave it was super rude. You are never too old to travel, to backpack, to let go. These two have obviously never done that. You have tons of money once you sell your house. Just leave on good terms. No one regrets travel. And contrary to what they believe you can discover things about yourself along the way that have value. That’s the exact reason you go, to break, to rest, to relearn. Could not disagree with the advice the two of these gave and the way they shamed you. Just have some sense financially which it sounds like you already do and go for it. I’ve done it. I did tons of traveling, backing, and I learned a ton about myself.
I did a similar thing, but instead of selling my house, I rented it out cheaply to a friend. I had a year off from work, 40k in the bank (spent 30k traveling cheaply) and came back and found another job. One of the most memorable and life-changing years of my life. No regrets.
yep, unfortunately, people like dave think that having the nuclear family, home, and investments is an ideal life...no, its just the only option you think you're given (and thats by design)
Were you unhappy in your job before you did a ton of travelling? Did you travel all in one go? I think whay Dave and Ken are saying is that you should not use travel to escape from a problem in your real life.
@@Jessicaaaaaaaa Well, having a strong family structure can protect you from many obstacles and problems. Having a home is necessary for everyone, including those who travel. Investing builds wealth. Sounds ideal to me.
Go travel. They have a really good amount of cash invested/saved up. Go live your life and enjoy, travel can teach you so many lessons. Life is not all about work and money until you die. Couldn't disagree with Dave more on this one.
Yep! He's all about having money and wealth long-term aka no get rich quick scheme. Meaning your gonna be old when u experience financial freedom most of the time. I think a lot of people would like to experience experiences when they are young, vibrant, and fresh instead of experiencing them when I'm old and can't do the things I use to do when I was younger but have a chunk set aside...doesn't sound appealing to a lot. Ramsey has a hard time agreeing with that because it goes against everything he teaches
Agree. They will likely be inspired to do something that could change the trajectory of their lives. They’re financially secure now and not happy. They’re in a great position to take a break and have the skills to generate a great income when they’re ready to resume. Taking time off is OK. It’s not BS. This response is typically American. “When you travel you travel with a purpose.” No…it’s ok to wander the earth with no purpose at all other than to enjoy it. The Italians have a saying for this, Il dulce far niente, the sweetness of doing nothing. Life is short. Live it in a way that makes you happy.
When I was young and a pretty thing I slept with my landlord for rent. Now that I'm old I get the biggest kick that I did that. I've never told my family, or grand kids, but it makes me smile today at nearly 70.
I took a year sabbatical, traveled the world in my mid 30s but we were not in a pandemic. Taking time off to travel now is not wise. I do not regret that reset in my life at all. I however was on the verge of burning out from my job. I came back a year later making more money and did better than before. I was lucky enough to have my job available when I came back. This however takes years of planning.
Many of the people saying "don't travel" likely haven't experienced the sheer joy of traveling the world. Based on their high income and their situation, I'd say absolutely DO IT. You might come across a new opportunity that makes you happier than you ever would have been.
I live in the Uk. I’ve seen a lot of Europe, I love to travel but I like to relax on the beach. I don’t go with the expectation of solving my life problems. Bad idea
Joy? I find travel exhausting, plus I have pets. One needs trips once in awhile but if you quit jobs to travel before you know it years have gone by and it's hard to get started up again.
I did the exact thing. Took a year off and rested, traveled, spent wonderful time with my adult kids, dove into my hobbies. It was a great reset. When I was ready to rejoin the job market, I got a new job that paid me about $25,000 more than my last job. Just depends. Life is more than money and work.
Nah don’t agree with this advice. Live your life. You have 100K in saving use some of that and enjoy yourself! Traveling is the best thing that happened to me. No point to live working 9-5 every single day in a job you don’t enjoy.
haha. He's doing his job and you can tell that Dave appreciates it. Ken just made Ramsey solutions $1000s. The point of the Ramsey show is to sell services. Sure, it's educational and entertaining but all to the point of selling services. I would bet Dave points out Ken's efforts to others. You can't peddle a course every 10 seconds but pick and choose the best spots.
At your age and holdings, do it. Take a year off and use that time to come up with a plan to become financially independent/retire early. Travel, don't travel, whatever. I would stick to a time frame though to come up with the plan. You need some structure. For insurance, rent the house out so you have something solid to return to if that's what you decide to do. You don't need to sell your house just because you hate your jobs.
Right? I've always wanted to travel to McKinley national park in Alaska or the surrounding communities like Ketchikan, Valdez or the interior. It's absolutely gorgeous this time of year.
The people giving advice are work a holics. Traveling will always bring growth. It's never a bad thing. Sometimes you just got to go. Dave's plan help you get out of debt but it also keeps you unfulfilled until you're old and grey.
@@Musicienne-DAB1995 Travel as a diversion? From what, and how so? It sounds like you either never travel (If so, you should try it sometime), or are suffering from the consequences of having excessively traveled/bad experience (In which case, your word may have merit. But live and let live).
I wouldn't call them impatient, you have no idea how long this has been in the works. Also, if they worked for another year after the money they would earn and even clear from the house, they would have a million bucks... You're telling me millionaire's cannot quick their job and do what makes them happy for a year? 200k a year I'm sure they can find another job that pays very well.
This advice isn’t worth much. Think about all of the people you know or have spoken to: has anyone EVER said they regretted traveling too much when they can afford it?
This is just depressing advice from these two. I would understand it if you didn't have all those savings. Live your life, travel and enjoy yourself for a while. You will have plenty of years to be realistic afterwards. Planning, strategising, moving up the ladder, staying on the treadmill......shoot me now. You have the money, so I don't know why they are giving you this advice. Travel doesn't even have to be expensive. Take the reset and do what YOU want to do. Why are you asking permission from Dave?
I totally get what they’re saying. Travel with the intention of relaxing and charging your battery. Not with the intention of running away from yourself and a fantasy of having an epiphany. Epiphanies can’t be forced. They happen when they happen.
@@xktwnxl4zlx213 you make a great comment yes this crazy pandemic is taking a toll on people many ways! Darn hope we can get out of this pandemic it's very stressful and unsettling I'm sure for everyone!
I don’t see why they can’t do it if they have sufficient savings, I’m sure they can get another job if and when they need to. It doesn’t sound like they are hurting for money. I say do it ! Life is too short. I understand where they are coming from because I too am thinking of taking some time off for personal reasons. I am trying to save up as much as possible before I make this move. I know I will find a job when the time comes.
These people are hard-working millionaires at age 40. They’re burned out and all Dave wants to do is chastise them for wanting to take well-deserved six-month vacation. Sometimes Dave and his cohorts are just rude and cruel.
Listen to your gut, the gut never lies. Health and Happiness is more important than the dollar bill. Lots of rich people are unhappy. Plenty of people save up to retire and never make it. JUST DO IT!!!
Money isn't everything but it's pretty darn important. It can make your life much easier if you have it or much more difficult if you don't. And quitting your job with no plan and blowing through your savings is a good way to unnecessarily make your life much more difficult.
Totally agree.. As long as you stay out of debt you are free to live whatever life you choose and whatever freedom means to you........ Rich people will SAY that money isnt everything..But they act like It's the ONLY thing.
I used to work for several famous movie stars from the golden age of Hollywood. Although they had a fortune, they waited for the mail to come every day to see if a fan remembered them and wrote for an autograph. That made their day.
Not everybody is fortunately enough to have kids they are building generational wealth for and many people spend their whole lives working and saving for a retirement they never get to enjoy because they died before they got there.
Not everybody want kids. With that said I’ve met families with their little kids traveling the world especially around Europe and other countries like Japan, Hong Kong,OZ, snd New Zealand. My girlfriend and I took my 14 year old niece with us for two months in the Cooks and hiking around middle earth in New Zealand three years ago.
Truly terrible advice. These people are financially stable and clearly educated and skilled. They will never regret travelling and experiencing the world. This is everything that is wrong with the world and in particular, the US. One of the best life skills anyone can develop is the 17 year old who is travelling the globe. Sad advice.
Sounds like they have some decent money saved up. Why not do it for a couple months? If you are savvy you really don't have to spend much money when travelling. Time for work seems to be always available, time for adventures always seems to be limited. Enjoy yourself!
Sometimes you’re too deep in it to come up with a recalibrated game plan. If they have in-demand careers-which they definitely do making that $$-they should prob just take their vacation time then quit. None of the companies they would want to work at are going to ding them for taking a 3-6 month sabbatical. So many people are doing it right now, and then landing even better afterwards. Additionally-the company they’re at may offer a walk back offer and a raise/promotion to try to keep them. We’re seeing ALL of that.
Im not passionate about my line of work either. So Im taking some classes everyday after work to train for IT. Hopefully it pays off and i get a new career
Read some obituaries. If they're written by family members, you're likely to see mention of the memories of travel. I think that carries a lot of weight.
I usually agree with most of Dave's advice, but come on guys, where is your faith? My experience: In 2003, with $40k in savings, I decided to take an entire year off from work and travel the world. Rather than sell my home, I rented it out at a cheap rate to a friend. I just had to have complete faith that things would work out when I returned. That year off traveling the world was amazing and life changing for me. Indirectly, one of the things that happened from that trip was I decided to accept Jesus Christ as my Lord and Saviour (without that trip it might not have happened). Everything worked out in the end. And I am in far better financial shape now than I was then (of course, there was no pandemic back then, so things are bit different now as far as international travel).
@@John3.36 The thing is I did get sick when I travelled in Africa and thought I might even die. But those kind of events can happen anywhere in the world, even if you stay home!
For a guy who proclaims constantly to be a Christian it seems Dave doesn't have a very good understanding about Jesus saying "If you want to be perfect, go, sell your possessions and give to the poor, and you will have treasure in heaven. Then come, follow me.” I'm guessing Dave would tell that person they are being dumb.
Jesus never says anyone can be perfect only he was perfect and everyone besides him have sinned before. But I get your point and it’s true Ramsey is heavily focused on money.
OK... Where is Dave Ramsey looking to be perfect? Also, the Bible isn't against being rich. Dave Ramsey promotes giving, not just acquiring money. Also, what does any of this have to do with the real issue of using travel to escape an issue?
You cannot turn back time. Time is priceless. If the married couple has no kids with enough savings (let's say $500k net cash after they sell the home and pay off their debt), then I would travel the world for 6-9 months. That alone most people do not have the luxury to do. People like Ramsey will travel much later in life, and let's face it traveling the world when you're 50+ years old is way different than traveling the world in your 30's with your "soulmate" without worry about needing to head back to your job in 2 weeks
@@Ria24Ria agree! BUT in the end they will have to settle down and where will be the money and jobs be? You have to think ahead! it comes sooner or later and you dont want to be old and not have nothing to your name. Its not pretty
Advice from two caucasian boomer american males who think going to the next state is an adventure. I left for overseas 24 months ago. I work entirely online. I make multiple six figures, but i wouldnt have had the clarity, space, and inner peace to build my business if I had stayed in my comfort zone.
Rather backwards to comment on race and make derogatory comments about someone's age, but I understand that this is considered 'progressive'. I am glad you succeeded. But if you had gotten past race and age, you would have noted the serious problem of using travel to detract from a problem that cannot be solved with travel. If you don't like your job, you need to get another one. Travel ends, then you still have to deal with that issue. Neither of them were against travel. They were discussing the motivations.
it really depends on your relationship and tolerance with uncertainties, for some people (like Ramsey and my own financial advisor) they need some certainty and plan-b before taking the leap of faith, for others they are ok with starting over. Be careful whose advise you take, they are not you.
Every responsible adult gets tired of their job at one time or another. I’m a Railroad Conductor. I wanted to be Eddie Van Halen. He got the job. He was probably tired of being a guitar god at times.
Once you pay your 300k off on your mortgage you can down grade your life by a huge huge amount. Your living expenses then won't require you to work those high paying but soul crushing jobs that you have. Work towards paying off your home and then you will be able to take on so much more risk in your life with greatly reduced consequences if something goes wrong.
Travel enjoy yourself live life. Money isn’t everything and you can’t take it with you to the grave. You have the means and the money. This advice is horrible.
You can always make more money, but you cant ever get time back. Life is short so enjoy it. If you want to travel, do it on a budget. Take some time off and enjoy your life. Then get back to work. We have to snap out of the matrix that programs us to only live to work until we’re 65 to THEN enjoy life. Once you’re old, you wont have the same energy to explore the world like you can when you’re young. Do what makes you happy in a financially responsible way. Traveling doesnt have to be expensive.
I agree that traveling without much of a purpose is a little silly, but they obviously have enough money saved and the skills to achieve a similar leave of income when they return.... I dont think Dave an comprehend the power of travel. I travelled asia of $1000 a month
PLEASE GO! Try to look for different perspectives of life through traveling. How people live in the USA or Europe or Asia are totally different, there’s 1001 ways to live. Life is not only supposed to be comfortable but also meaningful. If you need to do extra work after you’re back home, then so what?? You’ve been working hard for years anyway. In the future, if you’re really short of money, you can retire in developing countries you visited before.
1:12 I disagree, because there are a lot of TH-cam channels who have taken a six month sabbatical. There’s one girl I follow who took a six-month sabbatical from corporate during 2022 (ironically, she read baby steps and saved up an emergency fund of 6 mos which is how I found out about the book) & only returned to work part time after that. She was able to finance her life as a single mother by house hacking and renting out two bedrooms in her home to her mother and her sister so she didn’t have to pay any of the mortgage OOP and she had a little bit of money left over in profit that she lived on as well as a few hundred a week profit from her micro-TH-cam channel (she lives in North Carolina where cost of living is cheap). She was able to grow her TH-cam channel during this time & spend more time with her son since she had 0 debt & took this sabbatical. 2020 made people realize that they didn’t want to leave this earth having not done certain things; if they were faced with the possibility of death and had the opportunity to do life all over again, they wouldn’t have made those same choices. Essentially, people are waking up and realizing that they’re living a life that they will grow to regret. These people who wrote in could travel to countries like Bali, India, Guatemala, and plenty of other undeveloped countries where the USD is still worth something and do volunteer/missionary work in exchange for homestays (which I’m about to do w my 2 young children), and they wouldn’t have to spend any of their personal funds on anything but airplane travel and food🤷🏾♀️ Many Americans moved to countries like Japan and now teach English without having to pay for a degree only a TEFL certification and they usually accommodate travel, medical care, and housing. Nobody has any moral or legal obligation to stay in this country and not explore the world unless they are a felon. People are allowed to exercise their American citizenship and discover other countries and it’s shameful you would try to talk them out of it. That’s my biggest problem w growing up in the south, this mindset made me so scared to go anywhere bc everybody repeated this rhetoric and made it seem like I was obligated to stay in Knoxville, TN. The biggest reason I’ll NEVER move back.
What are Ken’s qualifications? He has been at Ramsey solutions for YEARS. There are videos of him following Dave around with a microphone, long before he was a host.Has he ever done one-on-one career consulting or research in the field? He seems more like a fake guru to me.
It's been a while since I read Proximity Principle (Ken's book) but if I remember correctly he decided on a big midlife career change from some unrelated field into hosting radio/podcasts and motivational speaking (before he was with Ramsey). So I think his main qualification for career counseling is that he's lived through a career change himself? Like how Dave lost everything and got out of debt is what qualifies him most to speak on the subject. Then on top of that they've both studied those areas in some formal way during their journey
@@TH-up2rg Thanks for the response. His linkedIn page shows he graduated college in like 1994 and then his first job shows Ramsey Solutions in 2014. It is kind of strange that he doesn’t list 20 years of work history.
@@mikebrownbassist802 that is strange! Maybe he plans on never leaving Ramsey so he figured why fill out the rest. Now I'm curious if the other co-hosts have their complete work histories or not. Maybe it's a branding thing
Don't forget the carrot part of the "carrot and stick". I agree don't blow through your money aimlessly but if you've delayed gratification to achieve your success, more power to you for taking some time off.
Another aspect of this is the waiting in between your current situation and the future enjoyable career. The waiting/figuring it out part sucks. I'm there now with you.
If they have that kind of money and have that kind of equity in their home, they are safe to take a year off of work and find new jobs when and where they are ready. We only live once.
There’s so many people telling you how to live your life and what you should do, you’re only here so short at the end and what if you don’t want another “career” or “job” the system tells you what’s good and what’s not, I’d take my own advice if I was that lady, I mean I don’t see taking 6 months off unpaid wrong I mean it’s just the belief that you need to always keep slaving away and making more money that’s how they control you because you’re gonna lose something, remember you was born with nothing and you die with nothing, so that 300-400k home you’re not gonna take it to the grave so might as well take a chance to build the life you want to, not what others say
On the surface, it might appear, from time to time, that things are not going well and you may begin to worry you are moving in the wrong direction. But let me assure you, this will not be the case, as long as you keep the IMAGE of the good you desire FIRMLY PLANET IN YOUR SUBCONSCIOUS MIND. For if you do this, you will continue to move in the ONLY DIRECTION in which you can move, in order to get to where you want to go. 🙏🏽
Finding yourself, doesn't take another country. Follow what you love and you wont work a day in your life. That doest mean following what you do on your off days. What makes your eyes light up?
I took time off to travel and figure things out. The time flew by, the break stretched out to years instead of months, much money was spent, it wasn't fun and it didn't do any good.
Not Happy??? It's a freakin job....Use it to make what you need to retire and then do something different. Making 100k+ is not a fun thing. It's a blessing that can lead to fun stuff if you're intentional
Do you hear what you’re saying? There’s no guarantees in life. You’re telling someone to wait until 65 to enjoy life when they are already millionaires. This is such a toxic, depressing mindset to have.
@@thekiaradanielle If they were millionaires they would be talking about retiring so they have to be still on the way. An you don't have to wait until 65 to enjoy life. This person just didn't like their job. That doesn't stop you from enjoying time away from work. You should really enjoy your time more b/c you don't like the job. But capitalism is not about happyness it's about stacking while you are still able too. This is America an that's the American way. Some countries take months off work a year an some come home for family lunch in the middle of a work/school day. I wouldn't say they are happy because of it
They don’t need to wonder the world without purpose but they can sure go take time off as millionaires. They have skills, education, and experience to get those high paying jobs again after a break.
You *had* to know the advice was going to be keep working and paying your corporate overlords *at all costs!* You do realize you only have this one life, yeah?
@@thekiaradanielle How is it toxic to tell someone to deal with the problem first, instead of using travel to fulfill a vague idea of finding yourself? They are not against travel.
I once took a year off to travel the world. One of the best things I ever did. Sometimes you just have to have faith. It all worked out in the end.
💯❤️
You have guts and confidence to do that because there are alot of people including myself that would be scared to do that based on our budget, even if it's within or affordable.
in what year n how much did it cost!
I'm close to the end of a 2 month sabattical and it has been incredible!! LIVE your life as it will be over before you know it.
Life moves pretty fast. If you don’t stop and look around once in awhile, you could miss it.
I would be more inclined to take Ferris' advice.
Your life is worth more than a 9-5 you can’t stand. Don’t stick it because the cash is great. Live, you won’t get the time back.
The most valuable thing in life money can’t buy - Time.
@@slash2jimi time is money though
Agreed, I listen to the Ramsay podcast and I like a lot of the principles getting out of debt, saving and such, but yeah I think if you have a half million in the bank; about to clear 700 from house sale I actually think you’re in the perfect position to take a year off and just do what you want to do, it’d be another thing if you were broke and had 100k of debt,
Do it while you can financially and physically afford it. You won't regret it.
My neighbors are retired, they sold their house and bought an RV to travel the country. With so many now doing the same they can barely get a space in an RV park, having trouble getting up the steps in and out of the RV, Pulled their backs out hooking up sewer and water, they are either too hot or too cold, the Medicare Advantage plan ended up only good locally not nationwide. Their dream has turned in to a nightmare. I saw them a week ago parked in front of their house they sold just looking at it from their tow vehicle.
Yes, some do regret it.
@@eckankar7756 wow that’s crazy. Thanks for sharing.
Yes!!
@@eckankar7756
That was just bad planning on their part.
I was in an RV traveling from Florida to Alaska with friends for a few weeks earlier this year.
Most people I’ve met along the way were already into RVs long before retirement.
They told many funny stories about dreamers they’ve met that jumped into RVs at retirement not having a clue.
@@eckankar7756 Your story just reinforces the idea that you should travel and live while you're young and healthy
I took a year off and traveled. I went to Indonesia, Vietnam, Thailand, Philippine, South Korea, and Singapore. I did it all with a budget of $10k. It is one of the best decision I ever made.
That being said, you don’t need to settle in the States. There are many great countries out there. You can work or stay anywhere as an expat. As long as you financially plan accordingly, you can literally travel for the rest of your life if you want to. I know many people who do this and they are good at doing it.
What did you do in those other countries
@@roberttompkins9510 most of the time, sight seeing, swimming and drinking margaritas. I volunteer to teach English at a local center in Vietnam. Also meeting the locals and learning about their cultures and etc.
@@ryanvboy where did you sleep?
@@roberttompkins9510 I rent a small bedroom including a bathroom and small kitchen for $300 a month as my main base. When I travel I use hostel and stay in resort and hotels. Hostel usually cost around $5-10 a night. Hotel around $25 a night and depending on the resort can cost around $50 a night.
How long did you travel?
Wow wow wow, this is the worst advice Dave Ramsey has ever given. And the way they gave it was super rude. You are never too old to travel, to backpack, to let go. These two have obviously never done that. You have tons of money once you sell your house. Just leave on good terms. No one regrets travel. And contrary to what they believe you can discover things about yourself along the way that have value. That’s the exact reason you go, to break, to rest, to relearn.
Could not disagree with the advice the two of these gave and the way they shamed you.
Just have some sense financially which it sounds like you already do and go for it. I’ve done it. I did tons of traveling, backing, and I learned a ton about myself.
I agree, they got enough money to go on a 6 month adventure and figure out next steps
I did a similar thing, but instead of selling my house, I rented it out cheaply to a friend. I had a year off from work, 40k in the bank (spent 30k traveling cheaply) and came back and found another job. One of the most memorable and life-changing years of my life. No regrets.
yep, unfortunately, people like dave think that having the nuclear family, home, and investments is an ideal life...no, its just the only option you think you're given (and thats by design)
Were you unhappy in your job before you did a ton of travelling? Did you travel all in one go? I think whay Dave and Ken are saying is that you should not use travel to escape from a problem in your real life.
@@Jessicaaaaaaaa Well, having a strong family structure can protect you from many obstacles and problems. Having a home is necessary for everyone, including those who travel. Investing builds wealth. Sounds ideal to me.
Go travel. They have a really good amount of cash invested/saved up. Go live your life and enjoy, travel can teach you so many lessons. Life is not all about work and money until you die. Couldn't disagree with Dave more on this one.
Yep! He's all about having money and wealth long-term aka no get rich quick scheme. Meaning your gonna be old when u experience financial freedom most of the time. I think a lot of people would like to experience experiences when they are young, vibrant, and fresh instead of experiencing them when I'm old and can't do the things I use to do when I was younger but have a chunk set aside...doesn't sound appealing to a lot. Ramsey has a hard time agreeing with that because it goes against everything he teaches
Dave said that they should take their vacation time because they may be burnt out. He was just objecting to quitting their jobs to "find themselves".
Agree. They will likely be inspired to do something that could change the trajectory of their lives. They’re financially secure now and not happy. They’re in a great position to take a break and have the skills to generate a great income when they’re ready to resume. Taking time off is OK. It’s not BS. This response is typically American. “When you travel you travel with a purpose.” No…it’s ok to wander the earth with no purpose at all other than to enjoy it. The Italians have a saying for this, Il dulce far niente, the sweetness of doing nothing. Life is short. Live it in a way that makes you happy.
I wish I would have traveled more when I was younger. Never met anyone who wished they tried less and lived less.
When I was young and a pretty thing I slept with my landlord for rent. Now that I'm old I get the biggest kick that I did that. I've never told my family, or grand kids, but it makes me smile today at nearly 70.
Traveling has lot of stress
@@beautiful20106
You have to speak for yourself on that.
@@beautiful20106 idk how you did that, but i enjoyed traveling.
@@eckankar7756 You can be proud of yourself. 🙄
I took a year sabbatical, traveled the world in my mid 30s but we were not in a pandemic. Taking time off to travel now is not wise. I do not regret that reset in my life at all. I however was on the verge of burning out from my job. I came back a year later making more money and did better than before. I was lucky enough to have my job available when I came back. This however takes years of planning.
Many of the people saying "don't travel" likely haven't experienced the sheer joy of traveling the world. Based on their high income and their situation, I'd say absolutely DO IT. You might come across a new opportunity that makes you happier than you ever would have been.
I live in the Uk. I’ve seen a lot of Europe, I love to travel but I like to relax on the beach. I don’t go with the expectation of solving my life problems. Bad idea
👍💯 the education and opening of the mind that traveling offers is priceless.
Joy? I find travel exhausting, plus I have pets. One needs trips once in awhile but if you quit jobs to travel before you know it years have gone by and it's hard to get started up again.
@@Elizabeth-yg2mg its hard to travel when your old and retired
They need to take sometime away. Burnout is real.
I did the exact thing. Took a year off and rested, traveled, spent wonderful time with my adult kids, dove into my hobbies. It was a great reset. When I was ready to rejoin the job market, I got a new job that paid me about $25,000 more than my last job. Just depends. Life is more than money and work.
Nah don’t agree with this advice. Live your life. You have 100K in saving use some of that and enjoy yourself! Traveling is the best thing that happened to me. No point to live working 9-5 every single day in a job you don’t enjoy.
But you can get another job. On top of this, travel will not solve the problems they have back home.
Dave lives to work, others work to live.
Ken is always peddling something, we need to get him a taco stand....
haha. He's doing his job and you can tell that Dave appreciates it. Ken just made Ramsey solutions $1000s. The point of the Ramsey show is to sell services. Sure, it's educational and entertaining but all to the point of selling services. I would bet Dave points out Ken's efforts to others. You can't peddle a course every 10 seconds but pick and choose the best spots.
@@LevelUpPersonalFinance Yes, Dave helps Ken too. That's how I found out about Ken and bought an autographed copy of his book.
Bro they need a life. Plus they got the money for it. There not passionate in there careers
At your age and holdings, do it. Take a year off and use that time to come up with a plan to become financially independent/retire early. Travel, don't travel, whatever. I would stick to a time frame though to come up with the plan. You need some structure. For insurance, rent the house out so you have something solid to return to if that's what you decide to do. You don't need to sell your house just because you hate your jobs.
Nothing is more important than your mental health. Do what to you got to do.
I went back and relistened to the full question. There was nothing in the question about leaving the US. Travel doesn’t mean Europe, lol!
Right? I've always wanted to travel to McKinley national park in Alaska or the surrounding communities like Ketchikan, Valdez or the interior. It's absolutely gorgeous this time of year.
The people giving advice are work a holics. Traveling will always bring growth. It's never a bad thing. Sometimes you just got to go. Dave's plan help you get out of debt but it also keeps you unfulfilled until you're old and grey.
Agreed
Well said!!!
Truer words have never been spoken💯
Travelling can be a bad thing if you waste money, cannot settle down, or use it as a diversion.
@@Musicienne-DAB1995
Travel as a diversion? From what, and how so?
It sounds like you either never travel (If so, you should try it sometime), or are suffering from the consequences of having excessively traveled/bad experience (In which case, your word may have merit. But live and let live).
I wouldn't call them impatient, you have no idea how long this has been in the works. Also, if they worked for another year after the money they would earn and even clear from the house, they would have a million bucks... You're telling me millionaire's cannot quick their job and do what makes them happy for a year? 200k a year I'm sure they can find another job that pays very well.
These financial gurus are all about accruing wealth not accruing life experience
This advice isn’t worth much. Think about all of the people you know or have spoken to: has anyone EVER said they regretted traveling too much when they can afford it?
All that travelling has to come to an end at some point. I think this is good advice.
@@Musicienne-DAB1995 Life also comes to an end
They are literally saying take a vacation. It’s not like their saying to keep working. This is solid advice
@@Itsjaysuknow12 a holiday is not the same thing. These people want to go travelling and explore, not sit on a beach in Cancun with other Americans
@@Musicienne-DAB1995 Not really, some people going on 10+ years lol.
This is just depressing advice from these two. I would understand it if you didn't have all those savings. Live your life, travel and enjoy yourself for a while. You will have plenty of years to be realistic afterwards. Planning, strategising, moving up the ladder, staying on the treadmill......shoot me now. You have the money, so I don't know why they are giving you this advice. Travel doesn't even have to be expensive. Take the reset and do what YOU want to do. Why are you asking permission from Dave?
It's awful advice from these two. I left Canada 10 years ago and never looked back. Now I'm 36 and work 3-4 hours a day.
becasue they ate less than 40... and will prolly live another 40 years. only a fool would blow through years of savings
@@ericprieto4348 You grossly overestimate the cost of traveling around the world for 6-12 months.
@@MaxSujyReact What do you do now to earn money?
Travelling is really beneficial, you learn skills you never would've in your home town!
Don’t be impatient. Be diligent and smart so you don’t make a mistake.
I totally get what they’re saying. Travel with the intention of relaxing and charging your battery. Not with the intention of running away from yourself and a fantasy of having an epiphany. Epiphanies can’t be forced. They happen when they happen.
Students from other countries take a gap year before/after college but to us, since we're a workaholic culture, that is not acceptable.
Exactly this is the USA, work like mules! traveling is for hippies.
@E KL because they are far away from anyone else. Europe on our site step. It's the same if you are in Australia, you go to NZ or Asia
Lots of people take a year off before college in the US; some colleges want kids to so they can mature and expand their horizons.
I certainly haven't seen many since the Baby Boomers that were workaholics.
Pretty much. I was once told the free-est people in this country are homeless.
Seems like everyone is unhappy with their jobs these days.
Pandemic is affecting our mood and mental health negatively, unfortunately.
well yea an inflation is hurting too
@@xktwnxl4zlx213 you make a great comment yes this crazy pandemic is taking a toll on people many ways! Darn hope we can get out of this pandemic it's very stressful and unsettling I'm sure for everyone!
I don’t see why they can’t do it if they have sufficient savings, I’m sure they can get another job if and when they need to. It doesn’t sound like they are hurting for money. I say do it ! Life is too short. I understand where they are coming from because I too am thinking of taking some time off for personal reasons. I am trying to save up as much as possible before I make this move. I know I will find a job when the time comes.
These people are hard-working millionaires at age 40. They’re burned out and all Dave wants to do is chastise them for wanting to take well-deserved six-month vacation.
Sometimes Dave and his cohorts are just rude and cruel.
In my opinion you have to be intentional. Not sure how I feel about walking around another country to find myself…
Agreed
It didn't work for me. As Sparkle said, travel should be the cherry on top.
Listen to your gut, the gut never lies. Health and Happiness is more important than the dollar bill. Lots of rich people are unhappy. Plenty of people save up to retire and never make it. JUST DO IT!!!
I feel like Dave is slowly exiting reality the past 10 or so years. He doesn't realize that not everyone worships money.
Money isn't everything but it's pretty darn important. It can make your life much easier if you have it or much more difficult if you don't. And quitting your job with no plan and blowing through your savings is a good way to unnecessarily make your life much more difficult.
Totally agree.. As long as you stay out of debt you are free to live whatever life you choose and whatever freedom means to you........
Rich people will SAY that money isnt everything..But they act like It's the ONLY thing.
People are calling him to ask if their decisions are financially sound. If money weren’t the priority, they wouldn’t have called him of all people.
I used to work for several famous movie stars from the golden age of Hollywood. Although they had a fortune, they waited for the mail to come every day to see if a fan remembered them and wrote for an autograph. That made their day.
He is a boomer. Boomers view money differently. "Get it while the gettin's good" is their mentality.
Not everybody is fortunately enough to have kids they are building generational wealth for and many people spend their whole lives working and saving for a retirement they never get to enjoy because they died before they got there.
Listen,do it while you are young!!!
Not everybody want kids.
With that said I’ve met families with their little kids traveling the world especially around Europe and other countries like Japan, Hong Kong,OZ, snd New Zealand.
My girlfriend and I took my 14 year old niece with us for two months in the Cooks and hiking around middle earth in New Zealand three years ago.
Truly terrible advice. These people are financially stable and clearly educated and skilled. They will never regret travelling and experiencing the world. This is everything that is wrong with the world and in particular, the US. One of the best life skills anyone can develop is the 17 year old who is travelling the globe. Sad advice.
Take a year off travel enjoy life taking life too seriously
Sounds like they have some decent money saved up. Why not do it for a couple months? If you are savvy you really don't have to spend much money when travelling. Time for work seems to be always available, time for adventures always seems to be limited. Enjoy yourself!
Sometimes you’re too deep in it to come up with a recalibrated game plan. If they have in-demand careers-which they definitely do making that $$-they should prob just take their vacation time then quit. None of the companies they would want to work at are going to ding them for taking a 3-6 month sabbatical. So many people are doing it right now, and then landing even better afterwards.
Additionally-the company they’re at may offer a walk back offer and a raise/promotion to try to keep them. We’re seeing ALL of that.
Im not passionate about my line of work either. So Im taking some classes everyday after work to train for IT. Hopefully it pays off and i get a new career
Incidentally I'm IN IT and sick of it 🤣
@@nemishasharma5737 which area of IT?
@@fifafan1 software engineering
@@nemishasharma5737oh ok. I know some people that do that as well. Im currently trying to be an IT support specialist then move on from there.
@@nemishasharma5737 im currently in sales/service and waking up before the sun comes up. With limited opportunity for advancement
Travel? Most countries will be locked down for another year at least.
you can travel within
Europe is pretty much open. However, you have to prove you are vaccinated.
I’ve traveled from Tampa FL in RV to Alaska,Hawaii(3 weeks),Italy (one week),and Switzerland(8 weeks) so far this year.
barely noticed the pandemic here in Sweden, but yeah this caller is a hippie...
@@TheFrankybody
Barely noticed in Oklahoma.
Media over exaggerates.
"Don't travel to hide." 🤯🤯🤯
We do that
Read some obituaries. If they're written by family members, you're likely to see mention of the memories of travel. I think that carries a lot of weight.
I usually agree with most of Dave's advice, but come on guys, where is your faith? My experience: In 2003, with $40k in savings, I decided to take an entire year off from work and travel the world. Rather than sell my home, I rented it out at a cheap rate to a friend. I just had to have complete faith that things would work out when I returned. That year off traveling the world was amazing and life changing for me.
Indirectly, one of the things that happened from that trip was I decided to accept Jesus Christ as my Lord and Saviour (without that trip it might not have happened). Everything worked out in the end. And I am in far better financial shape now than I was then (of course, there was no pandemic back then, so things are bit different now as far as international travel).
What’s a faith.
Wow that’s such an inspirational story sometimes you gotta do things in life and it’s great that you had an amazing vacation.
Good that it worked out, but if you had traveled and got injured, stranded, or kidnapped in some country -- you would be in a very bad place.
Praise God!
@@John3.36 The thing is I did get sick when I travelled in Africa and thought I might even die. But those kind of events can happen anywhere in the world, even if you stay home!
For a guy who proclaims constantly to be a Christian it seems Dave doesn't have a very good understanding about Jesus saying "If you want to be perfect, go, sell your possessions and give to the poor, and you will have treasure in heaven. Then come, follow me.” I'm guessing Dave would tell that person they are being dumb.
They are being egocentric not alturistic
@@maryjane-vx4dd 👍👍
Jesus never says anyone can be perfect only he was perfect and everyone besides him have sinned before.
But I get your point and it’s true Ramsey is heavily focused on money.
OK... Where is Dave Ramsey looking to be perfect? Also, the Bible isn't against being rich. Dave Ramsey promotes giving, not just acquiring money. Also, what does any of this have to do with the real issue of using travel to escape an issue?
You cannot turn back time. Time is priceless. If the married couple has no kids with enough savings (let's say $500k net cash after they sell the home and pay off their debt), then I would travel the world for 6-9 months. That alone most people do not have the luxury to do. People like Ramsey will travel much later in life, and let's face it traveling the world when you're 50+ years old is way different than traveling the world in your 30's with your "soulmate" without worry about needing to head back to your job in 2 weeks
Heard this on the radio yesterday. Never noticed the videos don't post until the next day.
The clips don’t it’s streamed live I think the full three hours goes up quicker. These videos take a lot of editing
Travel the world and experience more then a desk. The ROI on personal growth will outweigh anything you can imagine.
Yes,listen intently to Dave. Did this myself at 18 yrs.old. Never regretted.
Do it! The great resignation!
Yes I agree!!! Life is too short.
@@Ria24Ria They don't have enough money to do that, if he said he had 2-3 million in investments then it would be ok but not with 500 grand
I’m trying to do the same 🙂
@@Ria24Ria agree! BUT in the end they will have to settle down and where will be the money and jobs be? You have to think ahead! it comes sooner or later and you dont want to be old and not have nothing to your name. Its not pretty
@@cristinaorlando2408 good , you will get there one day.
"do what you love for work"... unfortunately, sipping pina coladas on a beach doesn't pay well, so I have to work.
@E KL i dont think you got the joke...
@E KL you didnt get the joke. Lol cheers
@E KL the Truth!!!
Advice from two caucasian boomer american males who think going to the next state is an adventure. I left for overseas 24 months ago. I work entirely online. I make multiple six figures, but i wouldnt have had the clarity, space, and inner peace to build my business if I had stayed in my comfort zone.
Rather backwards to comment on race and make derogatory comments about someone's age, but I understand that this is considered 'progressive'. I am glad you succeeded. But if you had gotten past race and age, you would have noted the serious problem of using travel to detract from a problem that cannot be solved with travel. If you don't like your job, you need to get another one. Travel ends, then you still have to deal with that issue. Neither of them were against travel. They were discussing the motivations.
it really depends on your relationship and tolerance with uncertainties, for some people (like Ramsey and my own financial advisor) they need some certainty and plan-b before taking the leap of faith, for others they are ok with starting over.
Be careful whose advise you take, they are not you.
They have 1.2m between equity and retirement funds, they are ok to take some time and travel and then pick up a new job when they get back.
Get clear assessment is $30 ?
I guess I’d be clear of $30, No Thanks.
Every responsible adult gets tired of their job at one time or another. I’m a Railroad Conductor. I wanted to be Eddie Van Halen. He got the job. He was probably tired of being a guitar god at times.
Once you pay your 300k off on your mortgage you can down grade your life by a huge huge amount. Your living expenses then won't require you to work those high paying but soul crushing jobs that you have. Work towards paying off your home and then you will be able to take on so much more risk in your life with greatly reduced consequences if something goes wrong.
Nah. You could get a part time job and pick up some hobbies on the side to help with finding yourself.
This is a good idea. Best of both worlds. More time + income
Not if you are itching to travel. It's not the same at all.
Fly United to see how they beat their customers.
I wanna be beat 😁 by united workers
One thing about traveling the world.
When you look for and cause trouble it will find you.
Lol
I disagree, I think they should do it honestly. 🤷♀️ Maybe that’s because I want to do that - sounds amazing! 😂
Travel enjoy yourself live life. Money isn’t everything and you can’t take it with you to the grave. You have the means and the money. This advice is horrible.
You can always make more money, but you cant ever get time back. Life is short so enjoy it. If you want to travel, do it on a budget. Take some time off and enjoy your life. Then get back to work. We have to snap out of the matrix that programs us to only live to work until we’re 65 to THEN enjoy life. Once you’re old, you wont have the same energy to explore the world like you can when you’re young. Do what makes you happy in a financially responsible way. Traveling doesnt have to be expensive.
I agree that traveling without much of a purpose is a little silly, but they obviously have enough money saved and the skills to achieve a similar leave of income when they return.... I dont think Dave an comprehend the power of travel. I travelled asia of $1000 a month
Take 100k, buy a hotshot truck and trailer non cdl, get paid to travel, make your own schedule. Do that for a year
PLEASE GO! Try to look for different perspectives of life through traveling. How people live in the USA or Europe or Asia are totally different, there’s 1001 ways to live. Life is not only supposed to be comfortable but also meaningful. If you need to do extra work after you’re back home, then so what?? You’ve been working hard for years anyway. In the future, if you’re really short of money, you can retire in developing countries you visited before.
1:12 I disagree, because there are a lot of TH-cam channels who have taken a six month sabbatical. There’s one girl I follow who took a six-month sabbatical from corporate during 2022 (ironically, she read baby steps and saved up an emergency fund of 6 mos which is how I found out about the book) & only returned to work part time after that. She was able to finance her life as a single mother by house hacking and renting out two bedrooms in her home to her mother and her sister so she didn’t have to pay any of the mortgage OOP and she had a little bit of money left over in profit that she lived on as well as a few hundred a week profit from her micro-TH-cam channel (she lives in North Carolina where cost of living is cheap). She was able to grow her TH-cam channel during this time & spend more time with her son since she had 0 debt & took this sabbatical. 2020 made people realize that they didn’t want to leave this earth having not done certain things; if they were faced with the possibility of death and had the opportunity to do life all over again, they wouldn’t have made those same choices. Essentially, people are waking up and realizing that they’re living a life that they will grow to regret. These people who wrote in could travel to countries like Bali, India, Guatemala, and plenty of other undeveloped countries where the USD is still worth something and do volunteer/missionary work in exchange for homestays (which I’m about to do w my 2 young children), and they wouldn’t have to spend any of their personal funds on anything but airplane travel and food🤷🏾♀️ Many Americans moved to countries like Japan and now teach English without having to pay for a degree only a TEFL certification and they usually accommodate travel, medical care, and housing. Nobody has any moral or legal obligation to stay in this country and not explore the world unless they are a felon. People are allowed to exercise their American citizenship and discover other countries and it’s shameful you would try to talk them out of it. That’s my biggest problem w growing up in the south, this mindset made me so scared to go anywhere bc everybody repeated this rhetoric and made it seem like I was obligated to stay in Knoxville, TN. The biggest reason I’ll NEVER move back.
Take the time.
It's great to have the option. What would just working part time look like?
What are Ken’s qualifications? He has been at Ramsey solutions for YEARS. There are videos of him following Dave around with a microphone, long before he was a host.Has he ever done one-on-one career consulting or research in the field? He seems more like a fake guru to me.
Yeah, he's not the best
It's been a while since I read Proximity Principle (Ken's book) but if I remember correctly he decided on a big midlife career change from some unrelated field into hosting radio/podcasts and motivational speaking (before he was with Ramsey).
So I think his main qualification for career counseling is that he's lived through a career change himself? Like how Dave lost everything and got out of debt is what qualifies him most to speak on the subject. Then on top of that they've both studied those areas in some formal way during their journey
@@TH-up2rg Thanks for the response. His linkedIn page shows he graduated college in like 1994 and then his first job shows Ramsey Solutions in 2014. It is kind of strange that he doesn’t list 20 years of work history.
@@mikebrownbassist802 that is strange! Maybe he plans on never leaving Ramsey so he figured why fill out the rest. Now I'm curious if the other co-hosts have their complete work histories or not. Maybe it's a branding thing
@@mikebrownbassist802 That's interesting because I remember him saying a couple of years ago that he didn't graduate from college
Don't forget the carrot part of the "carrot and stick". I agree don't blow through your money aimlessly but if you've delayed gratification to achieve your success, more power to you for taking some time off.
Another aspect of this is the waiting in between your current situation and the future enjoyable career. The waiting/figuring it out part sucks. I'm there now with you.
If they have that kind of money and have that kind of equity in their home, they are safe to take a year off of work and find new jobs when and where they are ready. We only live once.
Stupid advise from the hosts. Take the break if you can afford it. You wouldn’t regret it. Americans are workaholic.
Seems like an Ad to me... 90% of these videos are just RS ads
I think all of these are RS ads bc that's what their business is. They still give a lot of good advice!
Exactly, they need to filter everything they say to fit in with eating beans and rice to not be broke.
It's a business.
There’s so many people telling you how to live your life and what you should do, you’re only here so short at the end and what if you don’t want another “career” or “job” the system tells you what’s good and what’s not, I’d take my own advice if I was that lady, I mean I don’t see taking 6 months off unpaid wrong I mean it’s just the belief that you need to always keep slaving away and making more money that’s how they control you because you’re gonna lose something, remember you was born with nothing and you die with nothing, so that 300-400k home you’re not gonna take it to the grave so might as well take a chance to build the life you want to, not what others say
On the surface, it might appear, from time to time, that things are not going well and you may begin to worry you are moving in the wrong direction. But let me assure you, this will not be the case, as long as you keep the IMAGE of the good you desire FIRMLY PLANET IN YOUR SUBCONSCIOUS MIND. For if you do this, you will continue to move in the ONLY DIRECTION in which you can move, in order to get to where you want to go. 🙏🏽
Ken's so right! Don't make decisions out of restlessness. 😌
Good idea bro
Nice work ✨🎆🎇
Finding yourself, doesn't take another country. Follow what you love and you wont work a day in your life. That doest mean following what you do on your off days. What makes your eyes light up?
Female bodies
Travel
Yeah people get these ideas from watching movies and tv shows.
They can find themselves just traveling in the U.S..
I wish there was a place like "Fantasy Island", where we can escape reality and experience an alternate life! :-)
Practice Out Of Body Projection, soul travel
@@eckankar7756 Sounds like a worthwhile thing to do! :-)
Huh. When I was little I found it. It's called imagination.
Wish in one hand @&>/ in the other. See which one fills up faster.
A day on the beach ride in the country did this and would love to now honestly
I took time off to travel and figure things out. The time flew by, the break stretched out to years instead of months, much money was spent, it wasn't fun and it didn't do any good.
Sounds like u may be suffering from other mental and possibly childhood issues that haven't been addressed if u traveled and didn't have fun
Just because you are miserable, doesn't mean everyone has to be.
@@SC68170 How do you know that?
I think it’s a great idea. Do it.
😂😂😂 it's the "dope slap" for me
Not Happy??? It's a freakin job....Use it to make what you need to retire and then do something different. Making 100k+ is not a fun thing. It's a blessing that can lead to fun stuff if you're intentional
Do you hear what you’re saying? There’s no guarantees in life. You’re telling someone to wait until 65 to enjoy life when they are already millionaires. This is such a toxic, depressing mindset to have.
@@thekiaradanielle If they were millionaires they would be talking about retiring so they have to be still on the way. An you don't have to wait until 65 to enjoy life. This person just didn't like their job. That doesn't stop you from enjoying time away from work. You should really enjoy your time more b/c you don't like the job. But capitalism is not about happyness it's about stacking while you are still able too. This is America an that's the American way. Some countries take months off work a year an some come home for family lunch in the middle of a work/school day. I wouldn't say they are happy because of it
You won't get to your grave and say "damn I shouldn't of traveled" lol
In the midst of a 1 year working while travelling. Savings isnt going up as quick but life is important to live! Money is not priority life is
They don’t need to wonder the world without purpose but they can sure go take time off as millionaires. They have skills, education, and experience to get those high paying jobs again after a break.
Wow I needed this. Thank u dave
YO-LOOOOOOOOOOOO!!! with a little FO-MOOOOOOOOOOOO!!!
it's the comments for me💯
Smoking one joint would be cheaper and quicker lol
YOU ARE MORE FLEXABLE THAN ME!
Proof money don't mean happiness
Dave: work till you die. Everyone is a bootlicker nowadays.
You *had* to know the advice was going to be keep working and paying your corporate overlords *at all costs!* You do realize you only have this one life, yeah?
But they never said don't travel. They said don't travel to escape a problem. Are we hearing different things?
You can always work abroad, there are plenty of jobs abroad, but of course be ready to get a huge pay cut.
I just want to hear dave talk
How does the advice have 1000 likes? BS. If you got that kinda dough - do it.
Toxic productivity culture in America and especially at Ramsey Solutions
@@thekiaradanielle How is it toxic to tell someone to deal with the problem first, instead of using travel to fulfill a vague idea of finding yourself? They are not against travel.