It's Wednesday, and this is the Ramsey call of the day.

Part of the Ramsey Network.

Joining me today is Ramsey Personality, Chris Hogan.

Julia is in Gatorsburg, Maryland.

Hi, Julia. How are you?

Hi, how are you?

Thank you so much for taking my call.

Sure. What's up?

So I'm an 18-year-old. I'm a first-year-old. I'm a first-year-old student. I have a 14,000 car loan. I only got it because I needed it for schools. I got it right before the pandemic hit and for work as well. I'm able to pay for it. So the loan is, me and my mom co-signed it.

So it's just, but I pay for it.

But my question is, I just finished baby step number one, which is, you know, save up that $1,000.

I'm trying to get out of baby step number two, which is pay off all my debt, which as of right now is just my car loan.

But my main question is my mom isn't a lot of debt as well.

How can I help her get out of her debt, but not only help her get out of debt,

but how can I help her listen to your steps so that we can become financially free together,

you know, work together.

Well, I love your heart.

I tell you.

I love your heart.

I really do.

And, you know, unfortunately, what she's done is she shared her taste of debt with you.

And, you know, I'm going to tell you, you know, one of the strongest things you could do, Julia,

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