This is the Ramsey Call of the Day, part of the Ramsey Network.

Let's go out to Boston and talk to Frank.

What's up?

Frank, how are we doing, man?

Good, how you doing?

Outstanding.

What's up?

How can we help?

I'm trying to figure out what to do. I'm 60, and I'm burned out of the 40-hour work week.

I want to cut down. And I don't know, you know, I'm trying to find something that's less hours.

Right now I have a job, and I'm trying to work with them to go on a four-day work week,

but it might be tough.

I'm not sure, and I have a bad commute.

But I was thinking of doing it one more year and just quitting and taking a year off and figuring out what I want to do.

I want to keep working, but less.

That's great.

Yeah, well, Frank, that's really good news.

I'm assuming here that this idea of taking a year off and figure out what you want to do means that you're in a good financial situation, that you're not in debt and that you don't have any kind of financial pressure.

Is that a correct assumption?

Yes.

That's great.

Listen, we don't need to take a year.

...