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Having quit a couple jobs isn't a deal-killer, but...

I’ve been in my current job for five years. I’ve also had a second job for three of those years, but now I’d like to make a change. Do you have any advice on how to convince a potential employer that I’m a good hire, even though I had a couple of jobs in the past that I quit after a month or two?

Author and radio talk show host Dave Ramsey.
Author and radio talk show host Dave Ramsey.Read more

Dear Dave,

I've been in my current job for five years. I've also had a second job for three of those years, but now I'd like to make a change. Do you have any advice on how to convince a potential employer that I'm a good hire, even though I had a couple of jobs in the past that I quit after a month or two?

Bill

Dear Bill,

Quitting a job after a month or so isn't normally some kind of sin that automatically disqualifies you from being hired. It might be with some corporate goober who's looking at things through some silly, one-size-fits-all hiring paradigm, but that alone wouldn't be the kiss of death around my office.

Now, would we look at something like that and want to know what happened and what your explanation was? Absolutely! But if it made sense, there wouldn't be a problem. However, if it made you sound flighty or disgruntled with things in general, we'd probably pass.

My guess is that the fields you're interested in are like most — there's a lot of importance put on who you know. And I don't mean this in a negative way. Work and try to develop good relationships with people in your field and those associated with it. If that's in place, they can honestly give out positive references.

Knowing someone within the field or at the company, or being connected to someone with a positive reputation, can help you avoid the résumé slush pile. It can help cut through the mess and achieve clarity!

-Dave

Dave Ramsey is America's trusted voice on money and business. He has authored five New York Times best-selling books: Financial Peace, More Than Enough, The Total Money Makeover,EntreLeadership and Smart Money Smart Kids. The Dave Ramsey Show is heard by more than 6 million listeners each week on more than 500 radio stations. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com.

I’m debt-free except for my home, and I’ll have that paid off in about 12 months. I currently make $60,000 a year and live in an area of Florida that is designated a flood plain,

because a river that empties into Tampa Bay runs behind my home. Currently, I’m paying $1,070 a month for flood insurance. My house is worth $325,000, and water has only come up into

the yard twice in over 20 years. Since I’m doing pretty well financially, do you think I need to keep my flood insurance policy?

Trudy

Dear Trudy,

From what you’ve told me about the history of your property, it sounds like your biggest concern might be if a hurricane caused a backwash in your area. Insurance is already pretty

tough in Florida when it comes to those kinds of things, but you don’t want to run the risk of your house getting mowed down and losing everything.

If I were in your shoes, I think I’d like the protection of flood insurance. What you’re paying for the policy is such a small percentage of your world, compared to the value of your

home and your income. Keep the coverage, Trudy!