Melissa
Appearances
Money Rehab with Nicole Lapin
"I Have Too Many Ideas and Analysis Paralysis. Help!"
Sure. I applied to a forestry position and I They don't tell you up front that you have to live within 45 minutes of where you are. So it was actually a position further away. But they said, hey, we're going to shop your resume out to a bunch of folks near you when people retire. Maybe you have a shot at that. We think you might be a good fit. So that was...
Money Rehab with Nicole Lapin
"I Have Too Many Ideas and Analysis Paralysis. Help!"
a really great boost, you know, but I am, it's government agency, you know, I don't know how much sitting around there is. And also I'm really stuck on that, but I just, I cannot stress how slow moving some of these things start to feel to me, you know.
Money Rehab with Nicole Lapin
"I Have Too Many Ideas and Analysis Paralysis. Help!"
Not a great deal. I think if you are in forestry or something like that, like there are private companies, but I would have to invest a little time for somebody to want to hire me just because I don't have those specific skills quite yet.
Money Rehab with Nicole Lapin
"I Have Too Many Ideas and Analysis Paralysis. Help!"
you know, I'd have to drive an hour or something, but that's not undoable. You know, that doesn't pull them out. And then I guess also just the entrepreneurial side of like, maybe I can start something like I do have those unique skills. So I forage, I do other things that I think there is a market for, but it's just like the opportunity cost of,
Money Rehab with Nicole Lapin
"I Have Too Many Ideas and Analysis Paralysis. Help!"
doing those things and just having them not work out. I'm like, man, do I really have time to waste if I have the goal of eventually having my own farm? Like, I don't want to just kind of bounce from thing to thing that I'm like, this is my get rich quick scheme, you know, but I do think there's, those are ways to use my skills from here, you know?
Money Rehab with Nicole Lapin
"I Have Too Many Ideas and Analysis Paralysis. Help!"
No, it's kind of always been a fixed thing. But if I thought that I could take out a loan and just crush it and... go do my thing, I would do it. But I've seen so many people who are skilled farmers who just can't make it work that I'm like, I don't know. They say like, don't quit your day job when you're starting a farm. And I'm like, I don't even really have a day job that pays well, you know?
Money Rehab with Nicole Lapin
"I Have Too Many Ideas and Analysis Paralysis. Help!"
So I'm like, I need to get a day job so I can not quit it.
Money Rehab with Nicole Lapin
"I Have Too Many Ideas and Analysis Paralysis. Help!"
I think it's a big question. Or at least saying quit makes it seem super final, but at least, you know, putting it off the table in terms of what I'm looking for in employment, I'm open to it. In that work doesn't have to be all things, and I get a great daily dose of being...
Money Rehab with Nicole Lapin
"I Have Too Many Ideas and Analysis Paralysis. Help!"
out here I guess my parameter in my head that's also super fixed which makes some of this even more unrealistic now I'm realizing is the wanting to work outside and it's like I could be in a city working outside doing some of that like that's why the iron working it feels like you're working on buildings kind of like the rough in of stuff so you are outside a lot and it's good money but
Money Rehab with Nicole Lapin
"I Have Too Many Ideas and Analysis Paralysis. Help!"
It's just like the outside piece seems to throw a wrench in it. And then I'm also like, hey, I speak French and Spanish and like I can communicate with folks and I'm a good graphic designer. And it's like none of that matters if I want to work outside. So I think it's just like
Money Rehab with Nicole Lapin
"I Have Too Many Ideas and Analysis Paralysis. Help!"
There are more conventional farms. There is actually a watercress farm, which I didn't really know that was a thing, but it's a little ways away. And they I saw had an ad for like a foreman and it pays decently like in the range that I want. But I guess I'm just nervous now. There's things about it that I'm like, oh, what if, you know, but I should just explore it.
Money Rehab with Nicole Lapin
"I Have Too Many Ideas and Analysis Paralysis. Help!"
And then I will know the answer to the what ifs at least more after talking to someone.
Money Rehab with Nicole Lapin
"I Have Too Many Ideas and Analysis Paralysis. Help!"
That definitely helps. I think the premise that we started from that I'm just going to try and do what I am good at and want to do, but in a better setting, I think that feels a lot better than just throwing it all away. And I guess if I do kind of set a limit on it and say, Hey, I'm going to try three or four different things.
Money Rehab with Nicole Lapin
"I Have Too Many Ideas and Analysis Paralysis. Help!"
And if none of them come to fruition, then maybe it's the industry or my relationship to the, that. And, you know, there's certain things that just not meeting. So maybe I'll consider completely rescaling after that. But it's like, don't throw the baby out with the bathwater, you know?
Money Rehab with Nicole Lapin
"I Have Too Many Ideas and Analysis Paralysis. Help!"
No, absolutely. I'm like walking around just cramming them all in my mouth, seeing what's going on. But if I look today, I'm like, oh, I don't like grapes. Like, let's just not. Yeah, for sure.
Money Rehab with Nicole Lapin
"I Have Too Many Ideas and Analysis Paralysis. Help!"
Yeah, that's great. It really breaks it down and makes it not so intimidating.
Money Rehab with Nicole Lapin
"I Have Too Many Ideas and Analysis Paralysis. Help!"
Become a jelly salesman. No, I want to... explore possibilities that make my work life more fulfilling, I guess. Just ramp up the fulfillment that I already do have.
Money Rehab with Nicole Lapin
"I Have Too Many Ideas and Analysis Paralysis. Help!"
Heck yeah. That's awesome.
Money Rehab with Nicole Lapin
"I Have Too Many Ideas and Analysis Paralysis. Help!"
Hi, I'm feeling kind of underemployed and stuck in my work situation, and I wanted some advice. I did wilderness therapy with teens for a short while. I worked with a mobile mechanic. My main goal is to start my own farm. And to do that, I need advice. dipping my toe in, I guess, to a side hustle where I'm selling candy out of ingredients I forage. So it's like mountain mint, marshmallows.
Money Rehab with Nicole Lapin
"I Have Too Many Ideas and Analysis Paralysis. Help!"
Is it more important to be happy with what I'm doing or should I just take a job paying higher wages? That's fine, but I could also be mowing lawns in the city, which would be farther. I could ask for a raise. That's a possibility.
Money Rehab with Nicole Lapin
"I Have Too Many Ideas and Analysis Paralysis. Help!"
smart, skilled, really hardworking person who, you know, I don't want to make it sound like I'm so put out, but I just am grateful for what I have, but I just want more and I want to find a path.
Money Rehab with Nicole Lapin
"I Have Too Many Ideas and Analysis Paralysis. Help!"
I guess I just want my work life to be as fulfilling as the rest of my life.
Money Rehab with Nicole Lapin
"I Have Too Many Ideas and Analysis Paralysis. Help!"
Right now I'm working at a farm and nature center. And it's owned by a university and a state extension system. And that's about 30 hours per week. And I'm working as a coordinator for a nonprofit part-time too. And it's like a farming related nonprofit.
Money Rehab with Nicole Lapin
"I Have Too Many Ideas and Analysis Paralysis. Help!"
Oh, yeah. I'm crushing it in that respect. Yeah, it's great. So... I moved up to northern Alabama for a job on a farm, which has since closed down and also had a bunch of problems. But in looking for a place to live, I found this awesome cabin in the middle of a wildlife preserve.
Money Rehab with Nicole Lapin
"I Have Too Many Ideas and Analysis Paralysis. Help!"
And I live in this wildlife preserve and I go walking and foraging every day and I hang out with my dogs and have my little garden, work my car, just living my best redneck life. Right now.
Money Rehab with Nicole Lapin
"I Have Too Many Ideas and Analysis Paralysis. Help!"
Because I think I have so much experience in farming that I want to be in control. And I... First of all, what I'm doing is not really even farming at this point. It's more of a maintenance thing. And... It's for the government and my libertarian sensibilities make me freaking crazy when things are, you know, money is wasted or just things go very slowly.
Money Rehab with Nicole Lapin
"I Have Too Many Ideas and Analysis Paralysis. Help!"
But yeah, there's not enough to do and what there is to do isn't the direction that I'd like to do. And I like that higher level juggling a lot of balls because if you're truly running a farm, you're an entrepreneur and you're doing so many other things.
Money Rehab with Nicole Lapin
"I Have Too Many Ideas and Analysis Paralysis. Help!"
Yeah, I guess... Meaning you want meaningful work.
Money Rehab with Nicole Lapin
"I Have Too Many Ideas and Analysis Paralysis. Help!"
Well, everyone basically leaves me alone to do what I want, but I don't have the freedom to start projects. So I'm going to go with like a six.
Money Rehab with Nicole Lapin
"I Have Too Many Ideas and Analysis Paralysis. Help!"
Yes. And I guess maybe more than autonomy, it's just that challenge part of it where the wheels are turning. So if I were to take on something new that I don't really have the skills for, that could keep me satisfied just learning and trying to dive into that. So it's more of an upper level thinking that I need to do on a daily basis and problem solving.
Money Rehab with Nicole Lapin
"I Have Too Many Ideas and Analysis Paralysis. Help!"
Yeah, like a four or five.
Money Rehab with Nicole Lapin
"I Have Too Many Ideas and Analysis Paralysis. Help!"
Yes. We'll give it a four.
Money Rehab with Nicole Lapin
"I Have Too Many Ideas and Analysis Paralysis. Help!"
Oh, there's absolutely somewhere on somebody else's place. I would be happy, but I would have to dive really hard to find it. And I would have to move. And that's been kind of my whole
Money Rehab with Nicole Lapin
"I Have Too Many Ideas and Analysis Paralysis. Help!"
thing throughout you know my 20s is just moving around to different places and I'm kind of over that like I want to be here and also this is just a general problem like one with farming it's like if you have managerial skills there are not a lot of small farms that need that because either people run their own farm or if they don't like they don't know what they're doing but they want to have input and I guess my thing is like
Money Rehab with Nicole Lapin
"I Have Too Many Ideas and Analysis Paralysis. Help!"
I think that there could be somewhere I could be happy, but also just the money isn't there. Farming, there's no benefits, really. There's so many trade-offs, and everything I consider, I'm just bogged down in trade-offs right now. I think that's great because I'm realistic, but I don't want to just stay where I'm at.
Money Rehab with Nicole Lapin
"I Have Too Many Ideas and Analysis Paralysis. Help!"
Because I'm scared of not even scared, but just because I'm analyzing and kind of having analysis paralysis on all these other things. So I think that there probably could be a good situation out there in my area. I'm not sure.
Money Rehab with Nicole Lapin
"I Have Too Many Ideas and Analysis Paralysis. Help!"
I would like it to be fixed. I think what's changeable is like I'm willing to reskill. I'm willing to do lots of different work. So, yeah, I think I'm super flexible on the work end at this point, but rigid on where I'm at.
Money Rehab with Nicole Lapin
"I Have Too Many Ideas and Analysis Paralysis. Help!"
I guess I'm a creative problem solver who wants to use my hands and my head to make something better every day.
The Ramsey Show
Stuck in a Financial Pit? Here’s How to Climb Out and Stay Out
I know. That's what I'm wondering.
The Ramsey Show
Stuck in a Financial Pit? Here’s How to Climb Out and Stay Out
So my biggest payment is my car. Another setback was last year when I had my baby, I went on an unpaid maternity leave. So I went about three months with no income. So I had debt. The whole point of me moving home was to pay off my debt, which is also $8,000.
The Ramsey Show
Stuck in a Financial Pit? Here’s How to Climb Out and Stay Out
Because with my minimums and my car, I would say maybe about like two, three thousand.
The Ramsey Show
Stuck in a Financial Pit? Here’s How to Climb Out and Stay Out
I have about $21,000 left.
The Ramsey Show
Stuck in a Financial Pit? Here’s How to Climb Out and Stay Out
Hi, guys. Thank you so much for taking my call. I am pretty new to The Ramsey Show. I just started listening maybe about like a month or so ago. I'm still learning and I definitely want to change my relationship with money. But I'm calling because I took out a loan back in. It was the end of 2019 to consolidate my credit card debt. And I was paying it. I was able to afford the payments.
The Ramsey Show
Stuck in a Financial Pit? Here’s How to Climb Out and Stay Out
And then the pandemic started. So I ended up getting furloughed from my job. And I also moved to a different state in 2021. And it was just a lot for me. And I just couldn't afford the payments. So I kind of just stopped. stopped paying. And, um, I guess like, I thought it like disappeared somehow. I don't know. But, um, I never really got.
The Ramsey Show
Stuck in a Financial Pit? Here’s How to Climb Out and Stay Out
Yes, there was a lot going on during that time. But, um, so I did, I remember seeing a couple emails from the company, um, telling me to give them a call to like get back on track.
The Ramsey Show
Stuck in a Financial Pit? Here’s How to Climb Out and Stay Out
And, again, didn't answer those emails, which I wish I did. But a few years later, now we're in 2025, but I did get an email from a company saying that they sold off my loan to a debt consolidator. And they basically were giving me very little options as far as, like, paying it off.
The Ramsey Show
Stuck in a Financial Pit? Here’s How to Climb Out and Stay Out
It's for a little over $8,000. Okay. And what are they saying to you? So they offered to pay it in full by end of December, which I couldn't do. And then they also offered 90 days to pay it in full. But they keep going back to paying it in full. And I told them, you know, I have like medical bills and stuff that I'm trying to take care of. So this is what I can afford.
The Ramsey Show
Stuck in a Financial Pit? Here’s How to Climb Out and Stay Out
And there's just a lot of back and forth. And I just don't want to delay it because I just don't want any legal issues or anything. Sure. And then just some backstory. I am currently I live at home with my parents. I'm a single mom and I am planning on moving out this year. So this whole thing just feels like such a setback for me. OK, so it's a little discouraging.
The Ramsey Show
Stuck in a Financial Pit? Here’s How to Climb Out and Stay Out
So I actually just paid off my two smallest credit cards because I started that process. Good. So my largest would be my car. Um, I have a few years left on that. And then right now my smallest credit card balance is probably like 400. So.
The Ramsey Show
Stuck in a Financial Pit? Here’s How to Climb Out and Stay Out
Each month I bring home $3,800, but I also do get some child support as well. How much is that? That is $800 a month.