I'm 24 and Can't Get Ahead

The Ramsey Show Highlights

Ramsey Network

Self-improvement, Education, Business, Investing

4.5 • 838 Ratings

🗓️ 22 May 2026

⏱️ 10 minutes

🔗️ Recording | iTunes | RSS

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Transcript

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0:00.0	brought to you by CHO, a budget-friendly faith-based alternative to health insurance.
0:07.6	CH Ministries.org slash budget. I am 24 years old living paycheck to paycheck,
0:14.6	have been since I was 18, can't never seem to get ahead. I'm just trying to figure out some way
0:20.5	to get ahead. What do you think is the
0:24.2	cause of that if you look back over those six years? I've just just been one thing after another.
0:31.3	Every time I get ahead, get money saved up, whatever else, something happens, something breaks, something, and I just, I can't
0:40.0	never seem to get ahead. So you got a lot of emergencies. Murphy's moved in with you. What's your
0:45.0	income right now? Has it been going up over those six years? No, not really. I'm making 22 an hour
0:53.0	right now, which would be, what, like 45 a year?
0:56.0	Yeah.
0:56.3	What are you doing in that career or that job?
1:00.1	Right now, I am a service technician.
1:02.9	Okay.
1:03.4	What does the latter look like in that world?
1:05.8	If you were to move up and up and up.
1:09.0	I can move up pretty well within probably the next.
1:15.3	I've only been doing this for six months now, but majority of the time within about
1:22.1	eight years, I can move up to a position where I'm making $100 hundred grand if I work really hard at it.
1:28.5	But right now it's just trying to make it to that point.
1:31.2	Yeah.
1:31.8	How much debt do you have?
1:34.0	I'm sitting at $26,000 in debt.
	...

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