This is the Ramsey Call of the Day, part of the Ramsey Network.

Joining me today is Ramsey personality, Ken Coleman.

Sway is with us in Kansas City.

Hi, Sway.

How are you?

Hey, Dave. How are you doing today? Thank you for taking my call.

Sure. What's up?

So I'm currently in Baby Step number two. I have roughly $66,500 in debt.

21,000 of that is a vehicle. I make about 40,000. Um, what do you do for a living?

I drive a dumpster truck. I do long-waste men, uh, pick up lawn waste, like leaps and grass clippings.

Okay. Which question?

Currently with the way it's set up, it'll take me about five years

to get out of this hole. You got $21,000 on a car. What's the rest of your debt?

$36,000 was because I decided to do an IT technical program here in Kansas City to try and essentially

supplement the income that I lost after my divorce.

And I just, I really messed up that opportunity at the time.

And since I started listening to your show,

I actually took some accountability and some responsibility for the mistakes I made.

And I asked them if I could reset the coursework.

And I'm on a wait list because that was kind of the only thing I could think of

and how I could really make more money.

So quick follow-up question. We'll get to the money stuff.

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