meta_pixel
Tapesearch Logo
Log in
The Ramsey Show Highlights

I'm 51 and Have No Retirement (I Only Make $50,000)

The Ramsey Show Highlights

Ramsey Network

Investing, Self-improvement, Education, Business

4.5840 Ratings

🗓️ 22 August 2025

⏱️ 9 minutes

🧾️ Download transcript

Summary

⁠⁠💵 Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠ Did you miss the latest episode of The Ramsey Show? Don’t worry—we’ve got you covered! Get all the highlights you missed plus some of the best moments from the show. Watch entertaining calls, Dave Rants, guest interviews and more! Next Steps: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠ send us an email⁠⁠⁠⁠⁠⁠. Connect with our Sponsors: Learn more about⁠⁠⁠⁠ ⁠⁠Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠ Get 20% off when you join⁠⁠⁠⁠ ⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠ Use promo code RAMSEY for 18% off at⁠⁠⁠⁠ ⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠ Get started with⁠⁠⁠⁠ ⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today!  Explore more from Ramsey Network: 🎙️⁠⁠⁠⁠ ⁠⁠The Ramsey Show⁠⁠⁠⁠⁠⁠   🧠⁠⁠⁠⁠ ⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠ 🍸⁠⁠⁠⁠ ⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠ 💡⁠⁠⁠⁠⁠⁠ The Rachel Cruze Show⁠⁠⁠⁠⁠⁠ 💰⁠⁠⁠⁠ ⁠⁠George Kamel⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠🪑 Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠ 📈⁠⁠⁠⁠ ⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠ Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

Click on a timestamp to play from that location

0:00.0

Brought to you by the Every Dollar app.

0:04.3

Start budgeting for free today.

0:06.7

All right.

0:07.1

So in 2022, October of 2022, my husband of 22 years decided he was done being married

0:14.9

and he left and he divorced me in the process of all that.

0:22.8

So his income was around 130 at the time.

0:26.4

Mine was around 45.

0:28.3

So I was very scared.

0:30.3

He had just bought me a brand new car in September.

0:33.5

So when he left in October, I took the car back to Nissan where it came from, and I said, I'm going to, this payment's 596.

0:42.1

The math isn't mapping.

0:43.2

I'm going to have to have a cheaper payment somehow.

0:46.8

Well, so they refinanced it.

0:48.6

Basically, I sold it to them, and they sold it back to me used or something like that.

0:53.2

It lowered the payment by about

0:54.5

50 bucks. I was just trying to figure out how to cut expenses everywhere, sold a house, and so I had to

1:05.6

pay. So this took up my whole, I'm a teacher at a private school, this took up that whole

1:10.7

school year for me. At the end of it whole, I'm a teacher at a private school, this took up that whole school year for me.

1:12.9

At the end of it all, I, at the sale of the house, I had to give that X around 28,000.

1:19.8

I had a substantially more, I think I had around 120 out of it, but I needed to pay.

1:25.4

I had 60,000 in master's degree student loans that I had to pay

1:29.7

for. And I had about 6 or 8,000, I think, from my undergraduate degree, which had included a 16,000

...

Please login to see the full transcript.

Disclaimer: The podcast and artwork embedded on this page are from Ramsey Network, and are the property of its owner and not affiliated with or endorsed by Tapesearch.

Generated transcripts are the property of Ramsey Network and are distributed freely under the Fair Use doctrine. Transcripts generated by Tapesearch are not guaranteed to be accurate.

Copyright © Tapesearch 2026.