I'm 27 and Paying For My Terrible Money Mistakes

The Ramsey Show Highlights

Ramsey Network

Business, Investing, Education, Self-improvement

4.5 • 839 Ratings

🗓️ 6 January 2026

⏱️ 9 minutes

🔗️ Recording | iTunes | RSS

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Transcript

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0:00.0	Brought to you by the Every Dollar app. Start budgeting for free today.
0:06.7	I'm 27 and I'm in dental assisting schools and I also own an online boutique.
0:13.5	But I'm starting to pay for my mistakes I made when I was younger and they were terrible.
0:19.3	Like I'm $40,000 in debt.
0:24.0	And I was like, I don't know what.
0:26.2	So half is from my car, a Honda Civic.
0:30.0	I'm financing it.
0:30.9	So 20K is so.
0:31.8	So you owe $20,000 on your car.
0:35.0	Yes.
0:35.4	And then I was so young.
0:40.4	I was young and dumb and I decided to lease and Mercedes at like 23 years old. And when I returned the lease, the wear and tear, the miles and all of that,
0:46.7	I still have to pay for that. So that's about $10,000. And how long ago was that?
0:53.5	That was, I returned that car in 2023. Okay. And how long ago was that? That was, I returned that car in 23.
0:57.3	Okay. So they're not happy with you. Okay. All right. Two years ago.
1:02.8	And then what's the other, that, that, that, what's the other 10,000?
1:07.6	So I did take out a student loan up for about $5,000 because I'm in dental school.
1:12.6	And fast only paid for half, so I had to take out of loan.
1:15.6	And then the other amount is just from like personal loans and credit card.
1:20.9	And I'm not working right now.
1:22.9	I lost my job.
1:24.1	So I'm like, should I file bankruptcy or should I just drop out of school and just...
	...

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