We “repurposed” at 55. No more corporate craziness. Went to Tech College and learned HVAC. Now I can fix the Heat and AC for single moms, the elderly and other people on a tight budget. We don’t need the money so most of it is free or just my cost of equipment. We are God’s handiwork, created for good works in Christ

@glennandvirginiamencer9794

3 жыл бұрын

A P - Actually I was 58. Just turned 60. Just finished a year long apprenticeship. Learned so much from my 63 year old journeyman and 64 year old contractor.

@kefkapalazzo1

3 жыл бұрын

I’m an atheist but you’re amazing

@DONGRINTER

3 жыл бұрын

what state are you in?

@Marmarushka

3 жыл бұрын

❤️❤️🙌🙌🙌🙌🌈🌈🌈💕💕💕

@milkygacha6153

2 жыл бұрын

Love this ❤️

My mom went to nursing school in her 40s and now at age 59, she makes 75K as a RN. You can do this! 👍

@bres9977

3 жыл бұрын

That’s awesome because I’m almost 40 and am considering a nursing degree (RN/FNP) as a backup.

@CEDL4072

3 жыл бұрын

@@bres9977 Go for it! 👍

@anniesshenanigans3815

3 жыл бұрын

@@bres9977 I graduated xray at 40, then got the licensure for MRI and CT. Money is really good.. but the stress.... but any good paying job has stress.

@Bamboozled808

3 жыл бұрын

I need to hear these examples. I'm in my 40s and seriously in need of change. I am definitely considering going back to school. Not sure what to do.

@londonblues7070

3 жыл бұрын

Wow!!!!That's very inspiring 💫

I didn't start my design career until in my late 30s, and now I teach a course about it! Maybe when I am 60 I'll do another career! Stay young!

@ang8574

Жыл бұрын

❤

@chandaniberry9369

Жыл бұрын

I was really sad today. U saved my day. Thank u very much.I still have some hope.

@gracielou1783

8 ай бұрын

How did you start your new career in design? Did you have to go to school for it?

I am 63 and I do not need to work but I drive for Uber because I love to meet people.

@inky_fingers

3 жыл бұрын

I love this!

@JiggyC

3 жыл бұрын

@@pn9959 through the app

I was hesitant at 34 starting a new career and it was a struggle financially but now at 38 I’m living my best life! It’s never to late to start a new career

@EdwinSituma-ib8be

8 ай бұрын

Wow so it's never late

@resurrectingexcellence

8 ай бұрын

What did you do and what do you do now?

@w3n33dam1racl3

5 ай бұрын

How did yoi do it?

@TheChivasRegal

3 ай бұрын

What did you swap from and what do you do now?

@ManPursueExcellence

2 ай бұрын

@@EdwinSituma-ib8be I’m closer to 40 and about to start on another career, sort of. It’s not too late.

Retired at 40, doesn't need to work, but still getting job offers? Dang, most people including myself would kill to be in this situation. I'd say go back to work, even PT, or volunteer.

@michaelliechti9721

3 жыл бұрын

sharp52092 Retired at 45 here similar to gentlemen on call. I was offered a job that fit my lifestyle so decided to work, get a routine and put additional money away. I live way below my means, put all out of my pension away into savings. Don’t need to kill to be in similar situation, just plan, make goal and relook at them often to make sure they are reasonable and attainable.

@Telecasterfan

3 жыл бұрын

Caller was in the Marines and then law enforcement. He likely did kill to be in his situation.

@blackworldtraveler3711

3 жыл бұрын

sharp52092 Forget the work and PT. All types of volunteering. I retired 15 years early in April. I’m volunteering to continue traveling the world ,read/listened to many books,do my own organic gardening, sail, ride my bike,take my nieces and nephews to Europe,game online,prepare and cook my own food,trade stocks,learn guitar,catch my own fresh fish,backpack in New Zealand again, etc..

@brianjones3215

3 жыл бұрын

exactly!! When i saw this title I thought it would apply to me.. but it MUST BE NICE, to be retired before 40 and not have to REALLY worry about money..

@lb4660

Жыл бұрын

Work you enjoy boosts confidence and gives you a sense of accomplishment. As long as you aren't hurting yourself physically.

My husband is 52 and wants to retire in 3-5 years and he has built a lot of wealth. He doesn’t need to work anymore but still does, life can get super depressing when you don’t have a purpose. We are here to serve others that honors God.

@93mlo

3 жыл бұрын

Stop it , no scientific evidence in the existence of a guy call God 👎

@Mary-rf9tv

3 жыл бұрын

Best fun affordable car mx5ND shut up 🤐. God exists don’t believe him at your loss

@93mlo

3 жыл бұрын

@@Mary-rf9tv no scientific evidence in the existence of a human with superpowers

@93mlo

3 жыл бұрын

@Mohammad AbdulRahman no , base on your name you believe in Alla , which also dosent exist , no such thing as people with superpowers

@bottitabaki3073

3 жыл бұрын

Best fun affordable car mx5ND it has to be a creator.. no one can debate that

Humans are not suppose to seat idle. I think he needs something to do. Even if it's a hobby or something. The fact that he doesn't need the money is all the more freeing. He can do whatever he wants.

@aolvaar8792

3 жыл бұрын

I'm in my 60's, I raise small children.

@aolvaar8792

3 жыл бұрын

@Da'Rellus Jarvis Marquavius old people die, old people retire, retired old people die causal inference through statistical correlation is a fallacy. retiring is not the cause, old age is.

@MaGaTOW69

3 жыл бұрын

True, you want to look forward towards something. Even if you're 90, look forward towards watering your tomato plants or cooking for your grandchildren.

@blackworldtraveler3711

3 жыл бұрын

@@aolvaar8792 Yup many seem to always overlook that.

@JoseHernandez-xy8mj

3 жыл бұрын

BEcause we are creators like God

People have been known to start new careers at 60 or even 70.

@1312cc

3 жыл бұрын

Good if physically able.

@j.l.salayao8055

3 жыл бұрын

I believe Mr. Sanders at 60 years of age erected KFC- Kentucky Fried Chicken.

@Beebo

3 жыл бұрын

Ronald McDonald started making burgers at 60 odd.

@1312cc

3 жыл бұрын

If you can stand for long enough, it might work, otherwise, no way.

I'm almost 40, I'm strongest, more fit than in my whole LIFE... I would bit myself when I was 25... 40 is NOTHING.

@peterdaley8575

4 ай бұрын

Yes! Same (It's encouraging to hear another 40-year-old say 40 isn't old, too!)

@ManPursueExcellence

2 ай бұрын

@@peterdaley8575 I’m close to 40. Same!

My husband and I are in this position. Both Veterans in our 40s and no need to work financially however we love to volunteer, and help where we can.

Colonel Sanders founded KFC at age 62

@rustyshackleford4801

3 жыл бұрын

Col. Bernie sanders?

@THEFAMILYGRIND

3 жыл бұрын

He also stole his recipe...

@MountainSpew

3 жыл бұрын

THEFAMILYGRIND dang didn’t know that. What a fraud

@blackworldtraveler3711

3 жыл бұрын

@@THEFAMILYGRIND Sure did.

@pkal244

3 жыл бұрын

Good cuz I ain't buying no chicken from Sgt Sanders

He came off so grounded like refreshing to hear a good man looking for insight from another good man that wasn't necessarily about money or finances but to how we steer the compass of our hearts, what we want in life versus what we need to do and getting to a place within our lives where the two can intersect..

It's really never too late to start over

You would not see me for dust as I would spend the next 40 years traveling all over the world.

@chrysterfung5983

3 жыл бұрын

Lol

My current boss is retired military. These people are great. They dont HAVE to be there, they WANT to be there. and they care.

I am personally very thankful to have found Dave when I did. Without him doing this show, and devoting his time to helping others financially I would not be in the better financial situation I'm in today. Your a blessing Dave thank you sir.

Volunteer at a local kindergarten or school helping kids learn how to read. Teachers are always stretched and appreciate help in the classroom. Little kids need more good character male role models around them.

Work gives people of sense of purpose. Even if I was a billionaire, I would still work. Thank you for your service and I hope you're well.

Where would we be without Dave Ramsey? I'm glad Dave decided to keep working, to help us.

He is in a good position, but don't sit idle, I think consulting would be great for him, bit no one asked me lol

@astronaut_sailor

3 жыл бұрын

What type of consulting?

@kymberlythomas355

3 жыл бұрын

@@astronaut_sailor Consulting from the area of expertise, law enforcement or something dealing with military maybe or financial.

@christofl6523

3 жыл бұрын

Why not sit idle?

@michellewright99

3 жыл бұрын

@@christofl6523 An idle mind is...................the devil's workshop. We have to have something to DO. A purpose for our day. Knowing someone depends on us to do a task and also getting compensated / rewarded / affirmed with a paycheck is good for the soul. We are to use what God gave us, and then be wise and generous with our surplus to help others.

@christofl6523

3 жыл бұрын

@@michellewright99 What if my purpose for the day is to watch tv? Everyone is doing something all the time. Why make life tough if you are financially secure?

I am so glad I have come across this. I am turning 40 in a few days and will be graduating in Dec (BCOM- Marketing) and I don't even have a job. My friends tell me that it's better to look do business at my age which I have tried abit but not been successful. Considering going back to school for business Analytics and seek opportunities in that field. I am so inspired by this show!

Even if this guy doesn't work for a paycheck for the rest of his life, he should do something! He's a worker, and needs to feel valued/appreciated. Volunteer work is a good option, at least to start.

It’s awesome he can retire at 40. I understand where this guy is coming from. I would feel restless at now age 42 without a consistent job. As a matter of fact I work 2 almost 3 jobs bc I like to stay busy and I’m goal oriented.

@blackworldtraveler3711

3 жыл бұрын

Oh heck no.

@mind.health7834

3 жыл бұрын

While in graduate school, I dreamed of working 35 hour weeks. Then, I sort of got reprogrammed to enjoy feeling productive. I also work 2 jobs that I love, love, love ❤️

Caller: "I am forty." Dave: "How old are you?" Caller: "I am forty." Dave: "You are forty, right?" Caller: "Yes." This pattern is what I have noticed taking place on the show recently. I swear, Dave no longer really listens to his callers.

@43vaRR

3 жыл бұрын

Daniel Valiente He’s an older guy lol give him a break. He’s bringing in personalities to help him too

@lovelovevon4316

3 жыл бұрын

Dave does this every call. I even wait for it to happen and keep count. We bet on it at times.

@Da_padilla

3 жыл бұрын

He has a military pension, which takes 20 years, and was a cop for 7 years. So he joined the military at 13?

@michellewright99

3 жыл бұрын

Lol I noticed that. He was focused in the bigger stuff not the personal details. I notice that with him. I think it is part of his personality plus age may be a factor as the other commenter mentioned. And with his popularity and experience I think he just doesn't slow down to listen thoroughly as much as he used to because he doesn't have to. Lol

@dwadholm1

3 жыл бұрын

Age is not a factor. The guy runs multiple businesses with thousands of employees. I'm sure his mind is working wide open but that means he is not always present in the radio conversation.

Dude just wants a job offer to become a Ramsey personality lol

Must be nice to retire at 40. Feel bad for the guy. I will die working.

@chada75

3 жыл бұрын

Ikr? This was a useless call.

@front331

3 жыл бұрын

@@chada75 not a useless call. Have you seen a call like this being asked to Dave?

I'm glad Christy was listening to the caller, because she gave sage advice.

If you’re in to finances and you’re good at it, then I encourage you to go back to school and earn a degree in finance and start a business! As a teacher I’m a big believer in learning something new every day and you’re never too old to learn new things. Have fun! Yes the advice about monetizing what you’re good at as far as military and law enforcement is a great idea too!

Hi mate, I'm in the same situation as you, I did 22yrs in the royal navy, You have a list as long as your arm of things you don't want to do. Its a mind game. I think, go out and help people and enjoy it.

Wow wasnt expecting to get so inspired ! Great work guys :)

Yeah, he needs to work for his emotional well-being, not financial well-being. Even if it's just volunteering somewhere. Retirement = idleness causes death of the soul, and then early death of the body.

@blackworldtraveler3711

3 жыл бұрын

Problem is you guys keep saying "work". I've already spent 3 months under quarantine since April and now retired. Probably more active than you. I figure you must work sitting at a desk.

Dave looking like a legendary philosopher in the thumbnail.

Thank you for your Service and your continued Service to our country 🇺🇸👍🙏NOW GO DO WANT YOU WANT AND BE HAPPY 😊

Well done, Jason.

You need a purpose.

Great advice

Do whatever your heart ❤ leads u to do.

i _like?_ the part of the calls when the callers are put on hold and they are given a good lecture.

Dang first guest on the ramsey show I felt like wasn't just itching to speak - actually took time to listen

Gauguin left banking and started painting in his 40’s. Happiness is the setting of the soul in its most appropriate spot. -Aristotle

@rosemarywacera2576

3 жыл бұрын

Thankyou for this,I have never felt younger than today.just turned 40 and thinking of changing careers

@andicantu6490

3 жыл бұрын

@@rosemarywacera2576 , good luck in your endeavors.

I changed my career in my very late 30’s! I didn’t pay for a degree thanks to applying for scholarships & bursaries. I studies and worked full time. It was tough but you can do it! I then had children - at 44 I finally became a teacher. The hours are long but it is better suited to having a family as opposed to shiftwork which is what I used to do, and I was away for 3-9days at a time. If I can change careers so late, then anyone can!

Private security jobs or some kind of security consultant sounds up his alley.

Good episode.

Everyone can restart a career or start a new one with the right goal! It seems like he wants to!!!!

You can start anytime

Hope everything works out

LOL, and that's how you get Dave to stammer. LOL Tell him your in their dreams. I love it!

A new career how about Real Estate investing has treated me well over the years.

@whatnowok

Жыл бұрын

Real estate investing sounds great passive income but like they say you have to first have money to make money he can’t start with nothing

@jordanaubrey-realestateinv334

Жыл бұрын

@Kirby that is far from the truth brother

great video! I feel like the title didnt really fit the focus of the conversation. But still inspiring:)

I whish one day I'll have this kind of conversation, I don't work because I have to financially but I work just to pass time 😂

I’m 55 and need to figure out a new career because of some medical issues and I have no idea what I want to do

@mind.health7834

3 жыл бұрын

What do you enjoy doing, for fun not work? That may give you some ideas. If you post here, I'm happy to see if we can identify a career for you.

@TexasMan77

3 жыл бұрын

@@mind.health7834 Me too! Am 43, a veteran working at UPS but tired of it.

Man ask yourself what you want to be/do/have and move yourself as fast as humanizing possible and repeat your steps

I really like this video. Because I almost his age. But I don't know exactly what I am suppose to do during retirement. So it's very interesting to watch a video like this. Thanks Dave!

@Simon-je7ko

2 жыл бұрын

@@trembling3674Good for you! What is it that you do? I think that it's never too late. But some people that I know feel that it is. It's like there is no way anymore. So it's their destiny. For society it's so important to go to school, find a job, get married, have a couple of kids. To make money but have no idea whatsoever how to manage it. Obviously. Because at school I don't know exactly what we learn anyway. Since I did start reading books and learning from KZread. If you only watch what is good. Like Dave Ramsey obviously. Well it did change my life upside down. Thanks for the book idea. I am always looking for new books to learn from.

@Simon-je7ko

2 жыл бұрын

@@trembling3674 Wow. I hope you will enjoy the ride. Bye.

I found the title to be misleading from the content provided. However, I did learn so things to focus towards the next chapter of my life. Thank you 😊

45, started a sidejob in 2019, found a new employer a few weeks ago and started another sidebusiness today morning. That said, it is a different life without kids. I just don’t want to sit around. But everyone’s on his own.

@blackworldtraveler3711

3 жыл бұрын

No thanks. Many of you have no imagination. I chose to travel the world,backpack,hike,sailing/lessons ,etc. instead of part time jobs. Visit places,people,and trying foods I've read about in books and seen in movies/TV growing up. Heck that place in the thumbnail I saw on Discover Channel and visited 3 months later. If I was sitting around it was on the flight to get there or rest and relaxation.

@TexasMan77

3 жыл бұрын

What are the side jobs?

@pascoett

3 жыл бұрын

@@TexasMan77 Photographer for an agency

The most important thing I think is knowing your goal or what do you want to do? Ive been asking that for the last 30 years

Start a self defense or business that offers like structure for kids, with all of his experience with that

I wish I worked for the govt...govt pension would be nice on top of your retirement savings.

Man - you are a living miracle! So fortunate to be living this lifestyle!!!

I know I’m late to the party! My husband was a police officer for 9 years. A lot of his former colleagues work to install security systems and also gun safety training. My husband was injured at the police department so he became a Forman and he loves it! Hope the caller is doing well! I wish we had an update!

Completely possible! I’m 35 and decided to finally go to university, I’m a FTIC student and I’m studying for my bachelors in Mathematics. Got in on a full scholarship and I have a 4.0 GPA, my plan is to get my PhD in applied mathematics with a cryptography and machine learning focus. I was worried about starting so ‘late’ but have been told by my department heads and internships that age is not a problem it’s all about ability! Anything is possible and it’s never too late to pursue what you desire! 🎉

I’m 37 and I need to start a new career but don’t know what to do? Can anyone help?

The math is off: 40-7 (cop)= 33 at military retirement. Which means he joined at 13 years old. Medical retirement would not work as cop. Suspect!

@dawsonsschittcreek5395

3 жыл бұрын

There is such thing as a disability retirement for law enforcement for various federal/state/local agencies. If you are hurt in the line of duty, and it is deemed a permanent injury where you can no longer perform your duties (as in the case with the caller), you would receive a pretty decent portion, even up to 100%, of your pension as if you worked your full 20-25 years. So not "suspect" at all, just lack of knowledge on your part!

How do I start over at 62?

Volunteer. We need more volunteers.

Great predicament to be in to be so young.

Lol you aren’t going to go fishing or golfing for fourty more years. Classic lines!

I change careers at 40. Bingo :)

3:38 I think Dave is talking about Chris Rackow here. Google’s security chief & former Navy Seal.

Can always work for a community outreach center, or church.

Maybe online teaching in law? Marketing? Its so much you can do remotely online especially since you have the injury.

I would love to meet this guy

His life is good. Im 40 separated from my partner and military. I dont have a retirement. Though i havent been injured or arrested this fella is in a better situation.

I am 41 no career and broke up with my girlfriend. Thinking 💭 of moving to San Antonio, Texas from Portland Oregon. Choose it and go win!

@mind.health7834

3 жыл бұрын

What did you choose?

@rosemarywacera2576

3 жыл бұрын

Wishing you luck.

@roolyfe

3 жыл бұрын

@@mind.health7834 I moved to San Antonio TexaS start a new

@roolyfe

3 жыл бұрын

@@rosemarywacera2576 🙏 thanks! I like Texas!

Sometimes we just need a purpose in life.

I need wisdom and knowledge, I don’t want nothing for free. I’m one of those who really needs help and he’s willing to put the work on.

I just wanna find something I love to do and can make a good living. I'm 43 and struggling to find what I want to wake up and do everyday. I have a net worth of over 500k. But I have to find something I enjoy bc I'm losing my mind. Opening a new business I enjoy would be nice. But I cant figure what I want to do.

With such a tendency to serving his community, what about running for local office?

I don't understand the issue here. Retired at 40. No house payments. Has his kids' college paid for. I think he just called to brag.

@HamiltonRb

3 жыл бұрын

I don’t get that impression at all,

May I ask how can primary school substitute teacher make a career change at midlife crisis please?

You'll know what I've found out? That is very easy to tell others what to do, until you put yourself in a position where the things you told others to do, you have to do them, then you know is not that easy.

Wow the first caller, is almost equivalent to my testimony.

Time to explore areas of interest to do for free or cheap now and turn it into income and then give to non-profits. Get involved in city government. Help with youth organizations. Coach. Etc etc.

He has a military pension, which takes 20 years to get, and was a cop for 7 years. So did he joined the military at 13? Something is not adding up...

@sabrinaliu66

4 ай бұрын

17+20+7=44 he is in his 40's, that makes sense.

It’s obvious that he wants to do some kind of work... he just needed Ramsey to reassure him

@mind.health7834

3 жыл бұрын

Sometimes when people need jobs, like nowadays, a person in good financial standing may consider standing aside and let others get the job.

Retired at 40, this guy must've been medically retired from the military at 32 or 33.

@6426yy

3 жыл бұрын

Bingo! I know at least 4 veterans that never seen combat or got injured and get paid for the rest of their lives.

@TuyetNguyen-pp2ew

3 жыл бұрын

Most likely he has a military disability pay and police pension from injury also. His kids have college paid for, so most likely 100% VA disability.

@MT-yx5cu

3 жыл бұрын

Right! I was doing the math as well. I'm also a veteran and it wasn't making sense. I've noticed many veterans don't like to divulge that there were medically retired. I guess they think most people don't respect that type of military retirement.

@texan903

3 жыл бұрын

@@TuyetNguyen-pp2ew He could have disability from the military or he could've been medically retired. Either way, he receives the same benefits as a 20 year retiree.

Been trying to find my purpose or passion for years. The money to me is always been secondary to that, so how do I find my purpose or passion still looking?

@masterkc

8 ай бұрын

Don't look for passion, it's a trap and can become poison. Just look after your health and work at whatever job comes your way that might interest you, if not? You can always look for another.

Retired at 40 off taxpayer money when he can still work?

@chada75

3 жыл бұрын

Yes! Dave needs to post a call where someone who 40+ and doesn't get a check every month. That's a more useful Video.

@s_1408

3 жыл бұрын

You sound salty...

@sheila3936

3 жыл бұрын

Surprised he wasn’t offered a desk job after the injury...unless he turned it down.

@aolvaar8792

3 жыл бұрын

40years old - 7 yrs as a cop = 33 years old ???? 20 yr retirement. numbers don't add

@s_1408

3 жыл бұрын

@@aolvaar8792 he could have been medically retired from the military. You still earn a pension for life.

I'm glad the caller id doing well, but I'm definitely in the wrong place to help my situation.

If things go well, when I'm 70, I won't NEED to work. I'm thinking it'll be nice to do what I want, but until then...

Oh dear

What’d he end up doing? Great call!

It's never too late

How did a marine and a 7 year cop get enough money to retire at 40?

@Native722

7 ай бұрын

Pension from the military

Build A Business!!!!!!!!!!!!

I’m a Jayson looking for a career change at 40 but I’m not as accomplished like that Jason.

Hey, i was in the Marine corps. Ha, definitely didn't retire....dude was definitely an officer, no way an enlisted mand could do all that and retire so shortly....unless he came from money. Hopefully i can transition into the medical field.

Perhaps he can become a DR coach... that may be a good option.

I need to start a new career & need to work and need more income