"I'd Rather Pay Off My House First So I'm Not Homeless Again"

The Ramsey Show Highlights

Ramsey Network

Business, Investing, Education, Self-improvement

4.5 • 839 Ratings

🗓️ 2 January 2026

⏱️ 10 minutes

🔗️ Recording | iTunes | RSS

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Transcript

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0:00.0	Brought to you by the Every Dollar app.
0:04.5	Start budgeting for free today.
0:07.0	Between my wife and I, we've got approximately $250,000 or under $250,000 in debt.
0:18.8	Most of it will reside in our mortgage and her student loans.
0:23.6	Is it, I'm, I had a weird childhood, so I'm kind of really terrified of being homeless again.
0:31.6	Is it stupid to pay off the mortgage before the student loans?
0:35.6	I know you can't like bankruptcy the student loans and you can
0:39.1	sell the house and that kind of stuff, but it's not stupid. I would not categorize either idea of
0:46.6	paying off the debt as stupid. I think it's smart that you're thinking in those terms of being debt-free.
0:51.8	Can you tell us how much of the $250 is the mortgage
0:55.8	and how much of it is the student loans?
1:00.1	They're honestly about 108.
1:03.6	And then we've got, I've got a small personal loan
1:08.9	because my mover on my business and it crapped out,
1:13.4	so I had to spend a bunch of money just so I could fix that.
1:16.5	Got you.
1:17.3	That's about 2,900.
1:20.0	Okay.
1:20.4	We're trying to sell the trailer that we were living in, but we've got about 700 left on the personal loan for that.
1:29.3	Okay.
1:29.8	What else do you have?
1:32.0	Like $4,000 on the card.
	...

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