Your Money: In marriage, shared finances come with the territory

DEAR NICK: If it were me, I'd take the state job. I know that any kind of situation with six figures attached to it looks and sounds wonderful, but in my mind we're talking about a career choice versus risk. Plus, I'm a firm believer in the idea that people make better decisions when they think in terms of 10 years from now rather than 10 or 12 months down the road.

In addition to the risk factor, the biggest problem with the offer in Afghanistan is that once it's over, it's over. Then you're right back where you are now. You may have money in your bank account, but you're unemployed all over again.

You know, one of the things I've noticed over the years is when wealthy people assess a financial opportunity, they almost always think in five-, 10- and 20-year blocks of time. We're talking long-term here. There's not a whiff of living paycheck to paycheck.

Take the state job and fashion a good, long-lasting career for yourself. Don't go chasing money on the short term!

Email questions for Dave Ramsey to davesays@daveramsey.com.