Ruth, a public school teacher
Appearances
The Ramsey Show
Hard Decisions Today Bring Freedom Tomorrow
She had to put him in hospice and everything.
The Ramsey Show
Hard Decisions Today Bring Freedom Tomorrow
Because he's looking at me and saying, we're going to have to bail my mom out. And I'm looking at him like, you can't even afford to retire.
The Ramsey Show
Hard Decisions Today Bring Freedom Tomorrow
They're completely separate. We never combine. We don't even have a shared bank account.
The Ramsey Show
Hard Decisions Today Bring Freedom Tomorrow
I put money into a 401k at every single job. Do you have any debt? No, but I'm driving a 15-year-old car that's got 220,000 miles on it. So probably going to need a new car in the next couple of years.
The Ramsey Show
Hard Decisions Today Bring Freedom Tomorrow
I cut my check for rent. We split the rent 50-50. He pays utilities. I pay groceries.
The Ramsey Show
Hard Decisions Today Bring Freedom Tomorrow
Yeah. I just have so much guilt, which is why I haven't left. Because I know if I leave, he's financially screwed.
The Ramsey Show
Hard Decisions Today Bring Freedom Tomorrow
I mean, yeah. I mean, I want out. I wanted out. I had a come-to-Jews talk with him six months ago, and I told him I'm not happy.
The Ramsey Show
Hard Decisions Today Bring Freedom Tomorrow
Yeah, kind of. And I'm just like, I'm overwhelmed. I'm like, I don't even know what to do.
The Ramsey Show
You Can Make Progress Even When It Feels Impossible
Hi, I'm a public school teacher who I'm 16 years in. I still need 14 more years till I get full retirement and it's gone really hard. And I've, um, sorry, I've applied to a Christian school.
The Ramsey Show
You Can Make Progress Even When It Feels Impossible
It's 80% of the day, none of the retirement, but almost, I mean, currently I have 29 students of all different ranges of ability of ability to speak English, um, You know, one is on the autism spectrum, a couple major behavior problems, including parents that are combative.
The Ramsey Show
You Can Make Progress Even When It Feels Impossible
And, like, the Christian school is a cap at 18, and, you know, even if the parents write a mean email, the kid gets sent on their way, you know?
The Ramsey Show
You Can Make Progress Even When It Feels Impossible
Totally different. Yeah. I am far enough along that I'm kind of invested, you know, maybe it's a couple of bad years, you know, but it's, it's one of those things where I commute three and a half miles in a 17 and a half year old car that can only go so far. Like I don't trust it very far. Um, But it is my debt-free car, so it is my transportation.
The Ramsey Show
You Can Make Progress Even When It Feels Impossible
The other school would be a two-and-a-half-hour commute every day because of traffic.
The Ramsey Show
You Can Make Progress Even When It Feels Impossible
Yeah, it would be an hour there and an hour-and-a-half home. Okay. Yeah, outside of D.C., the traffic is a little scary.
The Ramsey Show
You Can Make Progress Even When It Feels Impossible
Yeah. It would be a longer day, but it might be an enjoyable day. No.
The Ramsey Show
You Can Make Progress Even When It Feels Impossible
Well, I think it's 82. I'm projected to be about 88 next year.
The Ramsey Show
You Can Make Progress Even When It Feels Impossible
Yeah, I mean, I spent most of my teaching in kindergarten, second grade, so I feel like teaching adults, I would, you know, want them to sing a song or, you know, do a dance while they learn it. No, you wouldn't.
The Ramsey Show
You Can Make Progress Even When It Feels Impossible
Well, so I'm not quite in D.C. I'm a little bit out. How far out?
The Ramsey Show
You Can Make Progress Even When It Feels Impossible
I've looked at some of them, probably Fauquier County, so a little bit the other direction, so I'd be going against traffic, but the pay is much less than 80% of my current.
The Ramsey Show
You Can Make Progress Even When It Feels Impossible
The ones that I, I mean, it's been a couple years since I looked at a particular one, but yeah, and they are high-end.
The Ramsey Show
You Can Make Progress Even When It Feels Impossible
I, so when you work for the government, you have like the state retirement, which is a good retirement, but it like, obviously you can't take it with you. I mean, not that it disappears, but it wouldn't be something that I should be concerned about changing out of.