Ways to Change Your Life and Money Right Now!


Transcript

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If the idea of change scares you,

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don't worry, you're not alone.

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Listen, change can be hard,
but it also can be fun.

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So keep watching.

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(upbeat music)

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Alright guys, change is uncomfortable.

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Yes, we're all comfortable

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with what's familiar and what we know.

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But in order to make your life better,

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I want you to embrace change.

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So in this episode, we're
going to talk to a couple

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who had some pretty unhealthy money habits,

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and they changed them literally overnight.

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Like that, it's crazy.

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Now if you're looking
for a change in your job,

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I've got some great news.

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We have radio talk show host
and career expert Ken Coleman,

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who is coming on to
talk about the best ways

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for you to land the job you love.

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But before we start into all of that,

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let's just say it out loud
again: Change is hard.

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(light piano music)

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I think probably one
of the biggest changes

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for me to adapt to was motherhood.

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If I talk to some couples, they
say that marriage was

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really hard but having kids was easy.

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Or you to talk some people who are like,

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"Oh no, marriage was really
easy, kids was hard."

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For Winston and I, marriage was really easy.

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We got married.

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We had five years of marriage
together before we had Amelia,

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and it was so much fun.

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I mean, yes, we had our bumps in the road

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and our fights and all that.

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But like, overall, like,
we had so much fun.

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We just clicked off
the bat, Winston and I,

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and it just, it was a great five years.

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So I'm pregnant five years later,

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and I will never forget this moment.

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I was decorating our Christmas tree.

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I was having Amelia in April.

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So I was like, five months pregnant.

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And I'm sitting there
decorating the Christmas tree,

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and I just start crying.

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Blame it on the hormones,
whatever you want.

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But, I was so sad.

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I was so sad.

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And Winston was like,
"Babe, what's wrong?"

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And I was like, "I just realized

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that this is the last Christmas

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that we're going to have together.

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Like just you and me.

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Like this baby's coming
in four months and like,

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it just makes me really sad

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that it's not going to be us anymore."

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And I go on this whole tangent.

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And he's like, "Okay, it's
going to be okay Rachel,

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it's going to be okay."

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Because truly what I was
feeling in that moment

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was like, man, is this
change going to be worth it?

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Like, everyone says having
a kid is so wonderful

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and so great, and they wouldn't
change it for anything.

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But were they lying to me?

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Like, all these years, is that true?

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And that's what I was feeling like.

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Like this change, it's going to be so hard

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and is it really going to be that great?

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And what's so funny is,
fast-forward to April 10

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at about 2:32 in the
morning, when I met and saw

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Amelia Jane Cruze for the first time,

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all of those fears, all of those thoughts . . .

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It's amazing. It just disappeared.

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And it's like, I look
at her now and I'm like,

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if I knew it was her that I
was pregnant with, I mean,

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I probably would have had her
a few years sooner, honestly.

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But the truth is, is
change, it can be scary,

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it can be hard.

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But if the change is
for the better, you guys,

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it is worth it.

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But it is up to you.

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You have to realize this.

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Now, people change at different paces.

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Some of you, you change quickly.

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You're just like, overnight
you figure out something,

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you read a keto diet on the internet,

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and you're like, oh, I want to be keto.

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And you're just keto for
the rest of your life.

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I mean like, some people,
they can just change quickly.

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Some people, it takes some time.

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You have to internalize it.

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You have to research it.

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Maybe you change a little
bit the next day to the next.

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It's a progress.

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But, whichever type you are,
if you don't like where you are

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right now with your money, specifically,

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because that's what The Rachel
Cruze Show is all about,

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is your life and your money,

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then you're going to have to
do something different.

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You're going to have to change.

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So if you want to see change in your life,

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if you want to see change
in your bank account,

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in your career, in your relationships,

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you're going to have to do some work.

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And it can be really hard, okay?

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Again, change is hard.
It is not comfortable.

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The sad thing is, only 8% of people

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who set New Year's resolutions
actually succeed, 8%.

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So, we all see that sticking
to a goal, it can be hard.

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But, what you have to realize is

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you have to set yourself
up for a quick win.

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If you want to change your money situation,

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we always tell people to
start with Baby Step 1.

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We have seven Baby Steps.

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If you're unfamiliar with them,

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click the link in the show notes.

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But the very first one is
a $1,000 emergency fund.

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The very first thing I want you to do.

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Now, this is going to be the easiest step,

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but it's going to be the hardest step.

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It's the easiest step
because it's just $1,000.

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Like, you can do this, okay?

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You can sell some stuff.

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You can cut things out of your budget.

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You can not go out to eat.

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I mean, you can do some
things to get $1,000 quickly,

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and that's what I want you to do.

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You get it fast.

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But it's the hardest
step, because you're saying

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that you're going to engage in a process

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that you've never done before,

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and it can be scary and
it can be intimidating

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and you're going to change the
way that you view money.

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But once you take that step,

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and you get that quick win,
the motivation starts coming.

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So after Baby Step 1,

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you move on to Baby Step 2,

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which is paying off all of your debt

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using the debt snowball.

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Now, this is the most
effective way to pay off debt.

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And some of you are in Baby Step 2,

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you're paying off debt now.

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Some of you have done this.

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And so, it's so fun to talk
to people in the process.

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So this family coming up
that you are about to see,

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I am so excited about,

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because they are
completely free from debt.

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Their story is incredible.

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From where they started
to where they are now

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is where I want you all to be.

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And some of you actually
may be familiar with her.

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She is debtkickinmom on
Instagram and YouTube,

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and she's incredible.

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She and her husband decided
to change everything

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with their money literally overnight.

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So I can't wait for you
to hear their story.

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- I just remember being, just, in shock.

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- I could not sleep. I was so stressed.

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- I felt like my hands were tied.

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I couldn't do what we wanted to do.

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- You just don't realize how quickly

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it all can just kind of
pile on top of itself.

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We struggled a lot with
keeping up with the Joneses,

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and we just bought whatever
we wanted when we wanted.

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I had been really taking
charge of the finances.

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He worked. I was a stay-at-home mom.

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- I was pretty passive when
it comes to this stuff.

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- He really didn't even understand

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the trouble that we were in.

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The moment when we decided
that we had to do something

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was during that vacation

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that we took right around Christmastime.

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- It was a terrible vacation.

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It was to buy a timeshare.
- The sales pitch.

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But we did it to get a deal.

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Right after the time sales pitch,

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I got a text notification from my bank

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telling me that we had maxed
out our last credit card.

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That was definitely my
sick-and-tired moment.

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It was that night that I
sat with the hotel notepad

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and wrote down and listed
out all of our debts,

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and that was the first
time that I realized

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exactly how much debt that we had.

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And the next morning I had to tell him.

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- I really didn't know at first

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that we were in that much debt,

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so it was kind of shocking to me.

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In that moment, I decided I
shouldn't be passive anymore,

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and I told my parents about it.

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That was a hard phone call.

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- They had been Financial
Peace University coordinators,

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and they bought it for us that day.

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I didn't have accountability

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when I was handling
the finances on my own.

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Now, in our marriage,
it's more about, like,

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well we're in this together.

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- We talk to each other more.

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We have a lot of dream meetings now.

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- Yeah.

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- We talk about where we
want to be in five, 10 years.

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- And it's just amazing to just dream.

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I think there's so much hope between us,

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and we talk more about our future.

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- [Johnie] We're so much more closer now.

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- Alright you guys, thanks
so much for being here.

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- Thank you for having us.

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- Yeah, thank you.

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- Sharing your story, this is so fun.

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So you guys are kind of toward the end

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of your debt-free journey,

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which is why you're here in Nashville,

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but take me back years before that.

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What did you guys look like
before you started this journey?

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- Yeah, we were definitely
the average family

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who was living paycheck to paycheck.

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And I was a stay-at-home mom,

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and taking care of them
was, you know, a big job,

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and I was also in charge of the finances,

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and he went to work and made the money.

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And then I stayed home and
tried to run the household.

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And truthfully, I just didn't
really know what I was doing.

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Nobody really teaches you how to do that.

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- So you were feeling the stress.

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- [Angela] Yeah.

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- Were you feeling it, Johnie?

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Did you feel it?

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- Not at first.

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I knew something was up,

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but I didn't know exactly
how much debt we were in.

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- Okay, so take me to
that point on vacation.

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- Yes, it was a low, low moment.

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I was up pretty much for most of the night,

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and I told him the next morning.

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I told him about the fact

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that we had maxed out our credit card

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and I had to open up a new one,

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and when we get home we need to talk.

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- What's the feeling before

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you're having to have this conversation?

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What did that conversation look like?

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- Yeah, yeah.

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I had felt completely
like, I felt dishonest.

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And I knew that I needed to have

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a sit-down-style conversation.

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You had always let me
do the budget on my own.

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- Yep, yep.

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- And never really asked
questions about it,

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and truthfully, like that's why like,

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I was ashamed to even tell
him that I wasn't handling it

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the right way.

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- Which in a sense, you know,

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there is this natural
pull for couples to say,

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okay, well you're good
at this, so just do it.

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Like, that's like kind of your gifting,

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so I'm over there, you
got it, no big deal.

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Like, that's a very normal way.

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But sometimes the person
that has the responsibility

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put on them, male or female,

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there's almost this sense
of, like, abandonment.

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Or this sense of like,
a loneliness, almost.

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That you're in the space by yourself.

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And so, I'm more of the free spirit.

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I actually lean more on your side,

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and you're more Winston in our marriage.

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But I constantly like,
have to stay engaged.

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And that's something to always remember,

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like, how you're wired
is important to realize.

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But for both couples to be, you know,

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both of you to force working together,

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which you have now.

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So talk me through now.

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What did it look like?

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What changed within your marriage

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when you guys started communicating

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and actually talking about money?

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- [Angela] Yeah.

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- We're on the same page,

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where I'm learning how she thinks,

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and then she's learning how I think

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and what I want to do, and
what she wants to do.

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It's another way of
engaging with my wife.

0:10:09.594,0:10:11.380
So, we have regular meetings

0:10:11.380,0:10:13.430
about what's going on with the budget.

0:10:13.430,0:10:16.880
And we have date nights
where we have dream meetings,

0:10:16.880,0:10:20.260
where we're going to be in
about five years, 10 years.

0:10:20.260,0:10:22.130
- So there's a lot of guys out there,

0:10:22.130,0:10:23.970
because your dynamic is very normal,

0:10:23.970,0:10:26.310
where a lot of the times,
it is the woman we see

0:10:26.310,0:10:28.960
that's taking, you know, control
of the money and all that.

0:10:28.960,0:10:31.460
Even surveying my audience, 83% of women

0:10:31.460,0:10:32.710
said that they do the budget alone.

0:10:32.710,0:10:35.820
What would you say to a husband
out there who just thinks,

0:10:35.820,0:10:37.934
well, my wife has it taken care of?

0:10:37.934,0:10:40.602
- God calls us to pursue our wives,

0:10:40.602,0:10:43.110
so you have to take the journey with her.

0:10:43.110,0:10:44.340
You have to do it.

0:10:44.340,0:10:45.710
- Yes, so good.

0:10:45.710,0:10:46.960
So you guys have been on this journey.

0:10:46.960,0:10:49.360
How long did it take you
to pay off this debt?

0:10:49.360,0:10:50.900
- It took us three years.

0:10:50.900,0:10:52.090
Exactly three years.

0:10:52.090,0:10:53.474
- For $77,000?

0:10:53.474,0:10:54.307
- Yeah.

0:10:54.307,0:10:55.140
- Mostly on one income.

0:10:55.140,0:10:55.973
- Yeah.

0:10:55.973,0:10:56.930
- Which is just, that's
incredible, you all.

0:10:56.930,0:10:57.763
I mean, seriously.

0:10:57.763,0:11:00.910
So, someone sitting out
there that has maybe $60,000,

0:11:00.910,0:11:03.050
or whatever the amount
is, what were things

0:11:03.050,0:11:04.040
that you guys did along the way

0:11:04.040,0:11:06.140
that really, really helped accelerate it,

0:11:06.140,0:11:08.260
or just kept that marathon going?

0:11:08.260,0:11:11.640
- So, I realized that
as a stay-at-home mom

0:11:11.640,0:11:15.159
and being in charge of like, you know,

0:11:15.159,0:11:18.310
the grocery shopping and the activities

0:11:18.310,0:11:20.340
that I did with the kids
and stuff like that,

0:11:20.340,0:11:22.470
I really did have kind of a lot of control

0:11:22.470,0:11:23.980
in cutting expenses.

0:11:23.980,0:11:25.570
We might not be able to raise our income

0:11:25.570,0:11:28.550
to kind of figure out this
difference that we're having,

0:11:28.550,0:11:31.150
but if we can cut our expenses,
we can have a debt snowball.

0:11:31.150,0:11:33.500
Because at first, it was
really hard to imagine

0:11:33.500,0:11:35.740
how we were going to be able to
create that debt snowball.

0:11:35.740,0:11:38.420
We cut all the things that you're thinking

0:11:38.420,0:11:39.770
off the top of your head, you know?

0:11:39.770,0:11:41.290
But then it was even further.

0:11:41.290,0:11:42.270
It was like, you know,

0:11:42.270,0:11:44.720
how can we save money on kids' clothes?

0:11:44.720,0:11:48.010
How can we, you know,
save money on birthdays?

0:11:48.010,0:11:51.530
And it was like, everything
that came up that's an expense,

0:11:51.530,0:11:53.170
it was not an excuse to spend money.

0:11:53.170,0:11:55.527
It was motivation to figure
out, how can I do this

0:11:55.527,0:11:58.120
- [Rachel] That's good.
- [Angela] with low expenses, you know?

0:11:58.120,0:11:59.760
Keeping our expenses low.

0:11:59.760,0:12:01.040
And yeah.

0:12:01.040,0:12:04.530
- We got creative, too, with
a lot of like, family outings.

0:12:04.530,0:12:06.420
If we wanted to do something
fun with the family,

0:12:06.420,0:12:08.090
we'd find something free.

0:12:08.090,0:12:12.640
- Yeah, we had to, I feel
like when the focus became

0:12:12.640,0:12:15.420
less about like, distractions,
like what can we do

0:12:15.420,0:12:17.500
to distract the kids,
or keep them occupied,

0:12:17.500,0:12:20.190
it was more like, what can we
do to just spend time together

0:12:20.190,0:12:21.023
as a family?

0:12:21.023,0:12:22.990
And that costs no money.

0:12:22.990,0:12:26.090
And so, it definitely
brought us all closer.

0:12:26.090,0:12:30.150
- Well, you guys are absolutely
remarkable and inspiring.

0:12:30.150,0:12:32.340
The fact that you're
doing this with four kids,

0:12:32.340,0:12:33.720
and you've done it.

0:12:33.720,0:12:34.830
I mean, you've paid off the debt.

0:12:34.830,0:12:35.980
So, thanks for sharing your story.

0:12:35.980,0:12:36.894
- Thank you.

0:12:36.894,0:12:37.756
- Thank you so much, Rachel.

0:12:37.756,0:12:40.339
(upbeat music)

0:12:45.100,0:12:46.830
- Guys, is that not just amazing?

0:12:46.830,0:12:47.663
I mean, for real.

0:12:47.663,0:12:49.030
They are incredible.

0:12:49.030,0:12:51.900
Okay, make sure to like or
subscribe to my channel,

0:12:51.900,0:12:55.240
because I'm going to have
debtkickinmom back on again

0:12:55.240,0:12:57.888
to show us how she shops at ALDI

0:12:57.888,0:13:02.501
and feeds her family of
six for only $125 a week.

0:13:02.501,0:13:03.334
Yeah, that's right.

0:13:03.334,0:13:04.370
It's incredible.

0:13:04.370,0:13:07.220
Alright, coming up next,
let's talk about your job.

0:13:07.220,0:13:08.620
Yes, your career.

0:13:08.620,0:13:11.460
Okay, this is something that
a lot of people want to change

0:13:11.460,0:13:13.030
or they're not happy with.

0:13:13.030,0:13:15.030
So, whether you're trying
to look for a new job

0:13:15.030,0:13:18.240
or you're wanting to improve
your current job situation,

0:13:18.240,0:13:20.800
then you're in for a
treat. Because Ken Coleman

0:13:20.800,0:13:23.130
is coming up next to
give us some great tips

0:13:23.130,0:13:25.483
and encouragement in
this part of our lives.

0:13:28.140,0:13:30.980
- Family is one of the most
important parts of my life.

0:13:30.980,0:13:34.900
And making sure everyone is
taken care of is a top priority.

0:13:34.900,0:13:37.070
That includes more than
just meal planning,

0:13:37.070,0:13:39.190
entertaining the kids, and taking care of

0:13:39.190,0:13:40.930
all the day-to-day needs.

0:13:40.930,0:13:44.000
That's why I recommend
having life insurance.

0:13:44.000,0:13:45.240
Now, when you're shopping for it,

0:13:45.240,0:13:47.610
you might wonder, should
I get term life insurance

0:13:47.610,0:13:49.230
or whole life insurance?

0:13:49.230,0:13:51.980
I always recommend term insurance.

0:13:51.980,0:13:53.740
It's going to save you tons of money

0:13:53.740,0:13:56.150
that you can put toward
paying off your debt

0:13:56.150,0:13:58.120
and funding your emergency fund.

0:13:58.120,0:14:02.690
For a 30-year-old male, a
20-year, $250,000 policy

0:14:02.690,0:14:06.070
would cost just $15 a month for term life.

0:14:06.070,0:14:08.870
However, the same policy for whole life

0:14:08.870,0:14:11.690
would be $190 per month.

0:14:11.690,0:14:13.630
That is a huge difference.

0:14:13.630,0:14:16.070
Winston and I use Zander Insurance.

0:14:16.070,0:14:19.320
They do all the work for you
by finding you the best prices

0:14:19.320,0:14:22.170
and options customized to your needs.

0:14:22.170,0:14:24.070
To learn more, call Zander today,

0:14:24.070,0:14:27.110
or go to zander.com,
because that's who we trust

0:14:27.110,0:14:29.023
to take care of our family.

0:14:33.642,0:14:34.710
- Alright Ken, thanks for being here.

0:14:34.710,0:14:35.550
- It's so good to be here.

0:14:35.550,0:14:36.383
I love this.
- You're back.

0:14:36.383,0:14:37.216
You're back.

0:14:37.216,0:14:38.313
- Always good.

0:14:38.313,0:14:40.168
Such a beautiful set, great energy.

0:14:40.168,0:14:41.200
- Oh, thank you.

0:14:41.200,0:14:42.033
- Feels very nice.

0:14:42.033,0:14:43.570
- Everything's just happy, right?

0:14:43.570,0:14:44.403
- Yes, very happy.

0:14:44.403,0:14:45.236
Very well lit.
- Very positive.

0:14:45.236,0:14:46.500
- Yes, very positive.

0:14:46.500,0:14:48.000
- Okay, I'm really pumped for you

0:14:48.000,0:14:52.930
because your new book, "The Proximity
Principle," is out today,

0:14:52.930,0:14:53.790
which is so crazy.

0:14:53.790,0:14:54.930
Okay, so tell everyone about it,

0:14:54.930,0:14:58.080
because this whole idea and
the subject of this book,

0:14:58.080,0:14:59.390
I just love so much.

0:14:59.390,0:15:01.930
- Well, we all know that
we long to do something

0:15:01.930,0:15:03.530
that we really enjoy, work that we love,

0:15:03.530,0:15:05.420
but there's a lot of fear and doubt.

0:15:05.420,0:15:08.830
And this principle,
timeless, through the ages,

0:15:08.830,0:15:10.650
that men and women
throughout all of history

0:15:10.650,0:15:12.470
have used to be successful, and that is,

0:15:12.470,0:15:16.260
if I'm around the right people,
and I'm in the right places,

0:15:16.260,0:15:19.023
then opportunity will come to me.

0:15:19.023,0:15:19.856
- That's interesting.

0:15:19.856,0:15:22.280
- Not this impossible
journey to find a break, no.

0:15:22.280,0:15:25.220
If I'm around the right people
and in the right places,

0:15:25.220,0:15:26.720
then I'm getting a chance to learn,

0:15:26.720,0:15:28.730
I'm getting a chance to do, and connect.

0:15:28.730,0:15:31.900
So, it's a fun and very practical manual

0:15:31.900,0:15:33.840
so that no longer are you worried about

0:15:33.840,0:15:34.820
what my next steps are.

0:15:34.820,0:15:35.696
- Yes, I love that.

0:15:35.696,0:15:37.940
Because there's a lot of people
watching that, they work,

0:15:37.940,0:15:40.190
they're full-time, they may be in a job, that

0:15:40.190,0:15:42.410
they're like man, I'm
in it for 12 more months

0:15:42.410,0:15:43.450
so we can get out of debt.

0:15:43.450,0:15:45.610
Or maybe, I feel stuck
here, but I want to move.

0:15:45.610,0:15:46.640
I want to do something different.

0:15:46.640,0:15:49.210
I want to wake up and feel like
I have purpose and meaning

0:15:49.210,0:15:50.230
with the job I'm going to.

0:15:50.230,0:15:52.990
Because, how many hours does
someone work in their lifetime?

0:15:52.990,0:15:56.578
- 90,000-plus hours is what
the average American spends

0:15:56.578,0:15:58.280
in the job,
- That's so rough.

0:15:58.280,0:15:59.450
- over their work life.

0:15:59.450,0:16:00.980
Which is crazy, if you think about that.

0:16:00.980,0:16:02.750
- Yeah, so putting into
practice, you know,

0:16:02.750,0:16:04.090
that idea of taking those hours

0:16:04.090,0:16:06.090
and actually doing something
that you love with it.

0:16:06.090,0:16:08.860
And then, the whole idea, I love this,

0:16:08.860,0:16:10.710
because at the end of the day,

0:16:10.710,0:16:12.980
people are what bring you along.

0:16:12.980,0:16:14.560
So do you find that that's true?

0:16:14.560,0:16:15.393
- That's absolutely true.

0:16:15.393,0:16:16.710
We know now that the average college grad

0:16:16.710,0:16:19.066
is coming out of school,
and they're overqualified

0:16:19.066,0:16:20.614
because of the degree.

0:16:20.614,0:16:21.447
- Interesting.

0:16:21.447,0:16:22.430
- And we think, well go to school, Junior.

0:16:22.430,0:16:23.520
Go to school, Susie.

0:16:23.520,0:16:25.090
And when you come out with a degree,

0:16:25.090,0:16:26.410
life is just going to present itself.

0:16:26.410,0:16:27.360
And it's not true.

0:16:27.360,0:16:29.430
And so, the act of getting around people

0:16:29.430,0:16:30.500
that are doing what I want to do,

0:16:30.500,0:16:32.400
or in places where it's happening,

0:16:32.400,0:16:34.080
gives me confirmation.

0:16:34.080,0:16:35.880
- Okay, so Ken, give me
an example of someone

0:16:35.880,0:16:38.190
that's using the Proximity
Principle really well.

0:16:38.190,0:16:39.520
- Yeah, I'll tell you about a lady

0:16:39.520,0:16:41.400
that called into the
show just the other day,

0:16:41.400,0:16:42.910
and she had a good sense

0:16:42.910,0:16:46.320
that she wanted to use her
top talents of creativity,

0:16:46.320,0:16:48.207
and she was a planner by nature.

0:16:48.207,0:16:49.780
And so, I began to ask her questions,

0:16:49.780,0:16:52.700
and she had interest in
both interior decorating

0:16:52.700,0:16:53.890
and event planning.

0:16:53.890,0:16:56.690
So she wasn't quite sure,
and she's getting locked up.

0:16:56.690,0:16:58.960
Fear, doubt, how do I confirm?

0:16:58.960,0:17:01.270
I told her, hey, I want
you to find somebody,

0:17:01.270,0:17:03.150
through a friend of a friend
of a friend, whatever,

0:17:03.150,0:17:06.780
who is actually running an
interior design business.

0:17:06.780,0:17:09.080
So take that lady, or a
person, whoever it is,

0:17:09.080,0:17:13.510
to coffee, tea, lunch, and
show up ready to learn.

0:17:13.510,0:17:14.950
Now, that's a person.

0:17:14.950,0:17:16.900
The other place that I told
her she needed to get to is,

0:17:16.900,0:17:20.070
hey, go start hanging out at
local event planner meetings

0:17:20.070,0:17:21.310
or conventions, whatever.

0:17:21.310,0:17:22.410
Go to some of these things.

0:17:22.410,0:17:23.630
Go online.

0:17:23.630,0:17:27.360
Proximity can happen on
YouTube and on a blog.

0:17:27.360,0:17:29.240
Who are some successful event planners,

0:17:29.240,0:17:31.030
whether again, locally, online?

0:17:31.030,0:17:32.630
Get where that is happening.

0:17:32.630,0:17:36.510
In getting information,
you're going to get clarity.

0:17:36.510,0:17:37.790
Clarity leads to confidence.

0:17:37.790,0:17:40.340
Oh, this is more of what I want to do.

0:17:40.340,0:17:42.400
I want to go over here with event planning.

0:17:42.400,0:17:44.246
I don't want to do interior decorating.

0:17:44.246,0:17:45.079
- Yes, so good.

0:17:45.079,0:17:46.470
- So all of a sudden, you have confidence,

0:17:46.470,0:17:48.560
but you've made a connection.

0:17:48.560,0:17:50.030
And that person's going to say, hey,

0:17:50.030,0:17:51.330
let me tell you a couple other people

0:17:51.330,0:17:52.830
you need to know and be around.

0:17:52.830,0:17:54.690
That's how you use the Proximity Principle

0:17:54.690,0:17:56.440
that leads you down the path.

0:17:56.440,0:17:58.760
And before you know it,
opportunity finds you,

0:17:58.760,0:18:00.020
and you're doing work that you love.

0:18:00.020,0:18:03.580
- Yes, and it's amazing how
many times we've done like,

0:18:03.580,0:18:05.920
a TV show or something,
and I'm talking to,

0:18:05.920,0:18:07.540
even just an intern, and
they're running coffee,

0:18:07.540,0:18:08.487
and I'm like, what do you want to do?

0:18:08.487,0:18:09.320
And they're like, I want to be an anchor.

0:18:09.320,0:18:10.830
And like, I'm just, I'm sticking here.

0:18:10.830,0:18:12.172
- Great example.

0:18:12.172,0:18:13.005
They're in the right place.

0:18:13.005,0:18:14.420
And by being in the place where,

0:18:14.420,0:18:16.000
what I want to do is
happening, in broadcasting,

0:18:16.000,0:18:19.050
now they're meeting producers,
they're meeting anchors.

0:18:19.050,0:18:19.883
- And it's crazy.

0:18:19.883,0:18:22.270
Because I'm like, you come
back, five years later,

0:18:22.270,0:18:24.550
and they've moved up
to be maybe a producer,

0:18:24.550,0:18:27.160
and then a lot of the anchors
you hear were producers.

0:18:27.160,0:18:28.160
You know, like, you just see it.

0:18:28.160,0:18:29.440
I'm like, gosh, that's so smart,

0:18:29.440,0:18:31.620
versus going to school
and then being like,

0:18:31.620,0:18:33.550
well, I guess I just didn't
get that great first job,

0:18:33.550,0:18:35.170
so I'm going to have to go do something else.

0:18:35.170,0:18:38.420
So, my last question
is, is this a reality?

0:18:38.420,0:18:41.277
This idea, if you are you
know, maybe 40 years old,

0:18:41.277,0:18:43.710
you have two kids, you're
working in a different career

0:18:43.710,0:18:47.010
but you've always wanted
to be in X career,

0:18:47.010,0:18:48.260
is this still possible for someone?

0:18:48.260,0:18:49.850
- It's absolutely possible.

0:18:49.850,0:18:53.470
What you think is this
unbelievable, hit the rewind button,

0:18:53.470,0:18:56.020
and go this crazy journey
backward, is not the case.

0:18:56.020,0:18:57.900
For me, I was 32 years old,

0:18:57.900,0:19:00.040
so I'm not just writing
about this, I did this.

0:19:00.040,0:19:01.890
And I started with a broadcasting class.

0:19:01.890,0:19:04.240
Six weeks, with a bunch of young guys

0:19:04.240,0:19:05.530
who all thought I was an instructor

0:19:05.530,0:19:07.293
for the first three
weeks and called me sir.

0:19:07.293,0:19:08.126
- They're like, you're so old.

0:19:08.126,0:19:08.959
- That's exactly right.
- Mr. Coleman.

0:19:09.600,0:19:10.100
- That's right. Well, at 32,

0:19:10.200,0:19:12.291
to a 20-year-old, you know, you are.
- Totally, yes.

0:19:12.291,0:19:13.124
- But here's the deal.

0:19:13.124,0:19:14.790
That's the beginning for me,

0:19:14.790,0:19:16.650
because I learned the fundamentals,

0:19:16.650,0:19:18.630
and I was able to learn, do and connect.

0:19:18.630,0:19:20.470
And that very first broadcasting school

0:19:20.470,0:19:22.480
led to so many opportunities for me.

0:19:22.480,0:19:24.910
Now, it took me seven years.

0:19:24.910,0:19:26.920
So I'm not selling microwaves, Rachel.

0:19:26.920,0:19:28.150
I'm selling Crock-Pots.

0:19:28.150,0:19:30.270
But if you practice the
Proximity Principle,

0:19:30.270,0:19:31.640
opportunity will find you,

0:19:31.640,0:19:33.220
and you can get where you want to be.

0:19:33.220,0:19:34.070
- That's so great, Ken.

0:19:34.070,0:19:34.903
Okay, guys.

0:19:34.903,0:19:36.200
"The Proximity Principle."

0:19:36.200,0:19:37.330
Make sure to check it out.

0:19:37.330,0:19:39.720
By Ken Coleman, you can get it at kencoleman.com,

0:19:39.720,0:19:43.200
wherever books are sold, and
people can find you where else?

0:19:43.200,0:19:45.434
- Well, kencolemanshow on Instagram,

0:19:45.434,0:19:48.170
kencolemanshow Facebook, and
we have a YouTube channel,

0:19:48.170,0:19:49.003
as well.

0:19:49.003,0:19:50.220
So, great places to connect with us,

0:19:50.220,0:19:51.710
and we have a lot of free resources

0:19:51.710,0:19:53.530
beyond the book at kencoleman.com.

0:19:53.530,0:19:54.363
- And podcasts, right, too?

0:19:54.363,0:19:56.200
- Yes, of course we do podcast the show.

0:19:56.200,0:19:58.648
It's a daily radio show,
SiriusXM, thank you.

0:19:58.648,0:19:59.481
- There you go.

0:19:59.481,0:20:02.790
- And so we have that, and
that's every day on channel 121.

0:20:02.790,0:20:04.400
And we lead into The Dave Ramsey Show,

0:20:04.400,0:20:05.233
as a matter of fact.

0:20:05.233,0:20:06.650
And then we podcast that show daily.

0:20:06.650,0:20:07.560
So thanks for having me.

0:20:07.560,0:20:08.720
- Everywhere Ken, I love it.

0:20:08.720,0:20:10.387
Guys, go check it
out. It's a great book.

0:20:10.387,0:20:12.970
(upbeat music)

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I just love Ken's advice.

0:20:20.600,0:20:22.630
He really is, he's so great and so smart

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when it comes to this stuff.

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Now, I wanted to hear from you guys

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to see if you've had a great experience

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from making a change in your career.

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So, I asked my Facebook community,

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and we got so many responses.

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I couldn't believe it.

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So, here are just a couple.

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Daniel D. said, "I was in
the restaurant industry

0:20:38.280,0:20:40.330
working as a jr. sous chef

0:20:40.330,0:20:44.150
before I left in 2016 to
become a union electrician.

0:20:44.150,0:20:46.140
At first, it was to get my weekends back,

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but in doing so, I met
the woman of my dreams,

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got married, and now we
have a 14-month-old daughter

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who is the light of our life."

0:20:53.170,0:20:54.480
Daniel, I love it.

0:20:54.480,0:20:55.313
Linda said, "I worked eight years

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as an elementary school music teacher.

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I decided to change my life
completely after my divorce,

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and I went back to school and
became a software engineer.

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I loved getting to play with computers,

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and I get paid for it".

0:21:08.150,0:21:10.309
Sandy D. said, "I went
from an office manager

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to a pricing/audit clerk.

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Practically the same pay, stress down 90%,

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happy heart."

0:21:17.090,0:21:18.130
So great, you guys.

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I love seeing that.

0:21:18.990,0:21:19.823
See?

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Change can be so, so good no
matter what part of your life.

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Now, I want to thank you
guys so much, seriously,

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for watching this episode.

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I hope you feel motivated
to make some changes

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with your life and your money.

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Now, thanks to Ken for coming on.

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And if you want to start
reading his new book,

0:21:34.920,0:21:37.940
the first chapter for
free, or anything else

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we talked about in this episode,

0:21:39.190,0:21:40.970
click the link in the show notes.

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And thanks to Angela and Johnie

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for sharing their amazing story.

0:21:44.463,0:21:46.870
And make sure you subscribe to my YouTube

0:21:46.870,0:21:49.440
and my podcast, because next episode

0:21:49.440,0:21:52.040
is all about your personality type

0:21:52.040,0:21:54.580
and what that says about
how you handle money.

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It's going to be great.

0:21:55.830,0:21:56.663
And guys, remember,

0:21:56.663,0:21:58.950
do not be afraid to make a change.

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Take control of your money,
and create a life you love.

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(upbeat music)