I’ve heard every excuse in the book for people not leaving jobs they hate. No matter the excuse, it always comes down to fear and doubt—fear of failing, fear that time has passed them by, fear of what others will say, and doubting they have what it takes to succeed in something different. But it’s time to address one fear that comes up again and again because of my connection with Dave Ramsey: I’m afraid to switch careers while I’m working on Baby Step 2. If it doesn’t work out, I’ll only be deeper in debt. For those of you who may not be familiar with Dave Ramsey’s plan, Baby Step 2 is when you get out debt by using the debt snowball. You live on rice and beans, get a second job, and do whatever else you can to dump all your debt, except for your mortgage. I get it. You don’t …