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was actually writing from Texas, Ramsey was floored: “Where in the crap in Texas is something run that poorly?”A firefighter named Brett had written in to share his concerns. He said he loves his job but is starting to question whether staying is worth it, given the financial state of his department. “The city takes 13% of my paycheck for my pension, and they do match those funds,” Brett explained. “I don't have a say in how the money is managed or used.”Don't Miss:If there was a new fund backed by Jeff Bezos offering a 7-9% target yield with monthly dividends would you invest in it?Have $100k+ to invest? Charlie Munger says that's the toughest milestone — don't stall now. Get matched with a fiduciary advisor and keep buildingTo finish off the letter, Brett asked, “I had always dreamed of making my career here, but with the pension and a few smaller issues, I’m left wondering if I’m currently a passenger on a sinking ship.” He asked the show, “Is a poorly managed pension a good enough reason to consider leaving?”Coleman said he’d already lean toward leaving if the department feels like a sinking ship. Ramsey agreed, adding that the situation isn't just concerning, it's financially irresponsible to stay.“It's not the pension going down that bothers me. It's the 13% of your income they make you put into something that's going down. That concerns me,” Ramsey said. “In order to keep this job, you have to take 13% of your income into the middle of the floor and burn it every week.”Trending: Backed by $300M+ in Assets and Microsoft's Climate Fund, Farmland LP Opens Vital Farmland III to Accredited InvestorsHe emphasized that if Brett were able to invest that same 13% in a solid 401(k), he could eventually become a millionaire. Instead, he’s being forced to contribute to something that doesn't even look viable long term.“A billion underfunded? Oof,” Ramsey said. “Feels like that should be a news story. That's a lot,” Coleman added.Ramsey and Coleman concluded that Brett should probably start looking for a different department. While it's painful to walk away from a dream job, staying could result in long-term financial harm. “You're probably just moving to a different fire department, my man. 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