Dave Ramsey: Companies Need Workers They Are Willing to Hire Criminals

Johnathan from Califonia is calling in because he has gotten himself in a bit of trouble. He is currently $45,000 in debt, mainly through student loans, but the real issue is finding work. Johnathan interviews well and gets plenty of offers, but they run a background check and find his criminal history. He has no significant felonies, just domestic violence misdemeanors. Johnathan is currently on probation, and it will end in December.

Ken Coleman, Ramsey Solutions’ subject matter expert in hiring, has excellent news for Johnathan because he has information that will help him. So many jobs are hiring and being less strict due to the worker shortage, so there is a chance. Ken recommends that Johnathan be forefront about his conviction. Ken recommends for certain convictions like his domestic violence one, that he seek out a counselor and take counseling. From here he could have them write a letter of recommendation showing Johnathan’s willingness to improve. the final advice is just, to be honest.

 

10 Highest Paying Jobs For People With Felony Convictions

• Welder

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• Electrician

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  f you need a job as a felon, consider working as an electrician. Qualified electricians earn an average of $55,000 per year, and experts believe the demand for electricians will rise by 14 percent over the next 10 years. You work indoors and outside when you choose this career option. You install, maintain and repair electrical systems for homes, businesses and government buildings depending on the company for which you work.

• HVAC Technician

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  As a felon, working as an HVAC technician is a viable option worth considering. If you select this option, you can expect an average pay of $47,610 each year. Occupational professionals expect this career to grow by 15 percent between 2016 and 2026. HVAC experts install, replace and repair heating, ventilating and air conditioning systems in a variety of settings. You could work in homes, offices, schools, factories, hospitals and more.
• 3. Resources For Regulators

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  Florida regulators are understaffed, and some say underpaid. Regulators fell by 14% since 2016. We have 17 financial examiner positions, compared to 98 in New York, 71 in Texas, you get the idea.

• Oil Field Worker

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  Though the world is trying to become more “GREEN,” there is still a high demand for gas and diesel. While hard work, there are plenty of promotion opportunities for those who stick to it. $50K a year is the rough average start for these workers, and this does not include offshore workers. Currently, there is a projected demand for them by 2026.

• US Freedom Convoy May be Over Soon

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  We have seen a mass shortage of force during the pandemic that makes the country go around. The Truck Driver. The blood of the country as they move supplies and goods from point to point. Averaging up to $50K, the job is on you to help and deliver, and it just requires a CDL that anyone can get. Eventually, you can build to be an owner-operator and make your schedule and time.
• Marketing

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  Earning on average $132,000 a year, and it is all just getting people to buy stuff. Marketing can be done entirely online, so it just requires the internet and a computer. Some people start off selling others stuff on websites then move on to creating their brands and products.

• Entrepreneur

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  Many Felons spend their imprisonment bettering themselves—stories everywhere of some becoming lawyers, some becoming tech gurus, and more. The idea is that they take the pent-up creativity from being locked up and create something. Starting a business afterward guarantees you will be hired even though the process will be rough to start.

• Online Freelancing

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  With the takeover of the internet, there are more and more jobs sprouting up every day. As long as you have a computer and internet, you can edit website content, do graphic design; the possibilities are endless. The best part is that you do not have to leave the house, and as you get more and more positive reviews, you can increase your price.
• Miltary

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  The military consists of several branches, and each one has jobs and ranks that determine how much money you can earn per month. Depending on your rank and marital status, you could qualify for military housing, which saves you money on your monthly expenses.

 

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Dave Ramsey’s 7 Babysteps For Success

• Baby Step #1 Save 1000

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  In this first step, your goal is to save $1,000 as fast as you can. Your emergency fund will cover those unexpected life events you can't plan for. And there are plenty of them. You don’t want to dig a deeper hole while you’re trying to work your way out of debt!

• Baby Step #2 Pay Off All Debt (Except the House) Using the Debt Snowball

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  Next, it’s time to pay off the cars, the credit cards and the student loans. Start by listing all of your debts except for your mortgage. Put them in order by balance from smallest to largest—regardless of interest rate. Pay minimum payments on everything but the little one. Attack that one with a vengeance. Once it's gone, take that payment and put it toward the second-smallest debt, making minimum payments on the rest. That's what's called the debt snowball method, and you’ll use it to knock out your debts one by one.

• Baby Step #3 Save 3–6 Months of Expenses in a Fully Funded Emergency Fund

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  You’ve paid off your debt! Don’t slow down now. Take that money you were throwing at your debt and build a fully funded emergency fund that covers 3–6 months of your expenses. This will protect you against life’s bigger surprises, like the loss of a job or your car breaking down, without slipping back into debt.
• Baby Step #4 Invest

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  It's time to get serious about retirement—no matter your age. Take 15% of your gross household income and start investing it into your retirement. Start with your company’s 401(k) plan and invest up to the full employer match. Then invest the rest into Roth IRAs—one for you and one for your spouse (if you’re married).

• Teach Your Kids Financial Responsibility

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• Baby Step #6 Pay Off Your Home

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  Now, bring it all home. Baby Step 6 is the big dog! Your mortgage is the only thing between you and complete freedom from debt. Can you imagine your life with no house payment? Any extra money you can put toward your mortgage could save you tens (or even hundreds) of thousands of dollars in interest.
• Baby Step #7 Build Wealth and Give

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  You know what people with no debt can do? Anything they want! The last step is the most fun. You can live and give like no one else. Keep building wealth and become outrageously generous, all while leaving an inheritance for your kids and their kids. Now that's what we call leaving a legacy!

 

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