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

B joins us up next in San Diego.

B, welcome to the show.

Hey, guys.

Thank you so much for having me.

Absolutely.

How can Christina and I help?

Okay, so I'm kind of nervous.

It's all right. You're going to do fine. We're freaking out, too.

That helps.

Thank you. Well, it's kind of bad. So I called back in, I want to say, like, April 2020 for my debt-free screen. And it was with Dave Ramsey and Dr. John

Deloney and I was like super excited. Especially like heading into a pandemic. I just felt like super

relieved that I had gotten out of debt. But then, like, I saved up the emergency fund.

I started investing, like, doing everything that, like, following the baby steps.

And then I kind of, like, drained my emergency account to start a Roth IRA with, like financial pro and I never really got like my emergency fund

built back up before like Murphy started hitting.

That's how it goes.

I know.

So I kind of ended up back in debt and I was like, well, I'll make a goal to pay it off in a year.

And that year passed a couple months ago, and I'm still, like, looking at this 10 grand that I owe.

What kind of debt is it? It's on my car.

Okay. So you didn't have the emergency fund. You had car problems. You had to get a new car. And so you bought a car on a loan? Yes. Okay. Um, I, I, I bought it for 14. And over the past year I've only really paid off, like, about four of it.

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