Dave Ramsey

Dear Dave,

My husband was laid off a few months ago. He has a degree in graphic design, and has been doing that ever since to make money. He made $6,000 during his best month, but only $300 during his worst. I’m working with him on marketing now to get more clients, but in the meantime we’re not sure if we should also get part-time jobs, or push extra hard to make this business a success. 


Dear Sharon,

From what you’ve told me, I think your best bet is to get out there and work yourselves silly to find more accounts and generate revenue. If this guy can turn the page from a full-time job to something he was doing on the side, and make $6,000 in a month, there’s definitely potential there.

I’d also suggest getting a book called Guerilla Marketing by Jay Conrad Levinson. It lists inexpensive, grass-roots ideas for marketing. You need to read that book tonight. If your husband has professional-quality graphic design skills, he can create all kinds of marketing pieces.

I’m excited about this for you! Read the book immediately—together—then set a goal of talking to about 30 good, new prospects the very next day. Just cold call them with examples of your husband’s work in hand, and tell them you’re running a special. Offer 25 percent off any graphics work done on orders placed before week’s end.

Walk in with enthusiasm, great samples and make sure you talk to the decision maker. If you’ll do this, I bet you guys will begin landing some accounts that very day!


Dear Dave,

I’ve decided to get a new job, and have heard about an investment specialist position with a financial firm. I would work independently from an office outside the headquarters, but offer the company’s products and services. So, it would be like I’m running my own business. I’ve worked in the insurance industry, so I know something about sales. Cold calling doesn’t bother me, either, if there’s enough income attached to the job and I believe in what I’m doing. What do you think?


Dear Jeri,

This is an interesting business you’re considering. Some people make a good living and have even become wealthy as stockbrokers. So, the question is whether or not you’d really like this kind of work. There’s a lot of turnover in areas like stock brokerage, real estate brokerage and insurance. In fact, the vast majority of people who go to work in these fields don’t make it through the first year.

Dave Ramsey

Dave Ramsey is a personal money management expert, popular national radio personality and the author of three New York Times bestsellers.
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