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Live from the headquarters of Ramsey Solutions broadcasting from the pods moving in storage studio, it's the Ramsey show

where we help people build wealth, do work they love and create amazing relationships. I'm George Campbell joined by my good friend and fellow Ramsey personality and

fellow co-host of Smart Money Happy Hour, Rachel Cruz. And we are here for you America to help you take that right next step with your life and your money.

The number to call is AAA 825-5225. That's AAA 825-5225. Are you ready Rachel? Oh, yeah, it's pretty rare we get to host together.

I know it doesn't happen very often. I'm a momentous occasion. I'm usually with Jade and Christina. It's usually like the Girl Power show. I bring enough Girl Power to the

May. There's enough there's enough there George. We're gonna have a good time. All right, let's start with Dane and Lancaster, Pennsylvania. Dane, welcome to the show. How are you doing?

I'm doing all right. How are you guys doing? Great. How can we help today?

I was just calling for some financial advice or kind of what you would do if you were in my situation. So I bought a home about

six months ago, seven months ago. And one after I bought my home, I got laid off from my full-time job. So I kind of, I used all my savings to purchase a home, which I should have saved up more, but I didn't.

I got really good deal in the health at least, but back to my point, I lost the job and I didn't have any savings. So I got like behind on the mortgage a month after making my first mortgage payment.

Luckily, I got a new job that pays a lot more than my old job, but I literally, it's construction. So we had work the first month and then we were off for a month and a half.

And we had a little bit more work. And now we have now we have a full schedule for the rest of the year. So one to know what you guys would do if you were in my situation, because I'm three to four.

I guess this is the fourth month behind now. So you just haven't been making a mortgage payment for four months. Yeah, I haven't had any money to. I just had little little bit of work here and there to pay utilities and all that. So all that's good.

So you're keeping the lights on has the mortgage lender contacted you.

I know not yet. I actually contacted them and they said they don't really have any options because we're not. I'm not at a foreclosure yet. I guess it takes six months.

So you're you are you three or four months behind on the mortgage. This is the fourth month. This is the fourth month. Okay. And how much is the mortgage payment?

Only 1300. Okay. And how much are you bringing in a month or will you this month and March?

So I am 1099 and I make 1350 a week straight check. Okay. So do you have to put aside taxes starting now? Yeah.

Around 300 a week, but April first two good things April first. I am getting a huge paying crease to 1800 a week. And I also got a second job that will second job on the weekend that will be bringing roughly like three hundred and 50 bucks extra week.

So I have a really good income coming. I just need to play catch up. Yeah. I ain't know if there's a program or something for FHA guys.

Like who have FHA on their home or what exactly I should do. I need to build a saving. I need to get call back call back up on my mortgage.

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