I'm 61 With No Retirement

The Ramsey Show Highlights

Ramsey Network

Investing, Self-improvement, Education, Business

4.5 • 840 Ratings

🗓️ 9 December 2025

⏱️ 10 minutes

🔗️ Recording | iTunes | RSS

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Transcript

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0:00.0	Xander shops all the top term insurance companies to save you money get started at zander
0:07.9	dot com I'm going to be 62 next month and uh i don't have anything safe for retirement and uh i
0:14.8	want to become a first time homeowner and i don't know if that's stupid and ridiculous or if it's
0:20.3	possible well i don't think it's stupid and ridiculous or if it's possible.
0:22.4	Well, I don't think it's stupid or ridiculous.
0:24.6	Let's focus on the possible part.
0:26.5	Give us a picture of your financial situation, given that you have zero retirement or very little retirement.
0:33.2	I have no retirement, and I have no money for a down payment.
0:37.2	So I would have to go USDA or Seth 5, something with a zero down.
0:42.0	And so that would make my payments even higher.
0:44.3	No, you don't have to do that.
0:45.5	You don't have to do that.
0:46.2	Do you have any debt?
0:48.4	Yes, I have some, but not unmanageable, and I'm getting it paid off really quick.
0:53.2	Okay, how much that do you have?
0:55.7	I think credit karma said I had about $8,000 or something like that. I just paid off
1:02.2	$600 worth of two of my accounts in the last month. So is the 8,000 credit cards or personal loans?
1:09.6	What is it?
1:18.3	Let's see. I paid off the personal loan and so, and one of them is my car and the rest of our credit cards. I've got, I think, four credit cards. How much is in your car? Do you owe on your
1:23.3	car? Gosh, I can't remember. I'm really bad with money, I mean, numbers.
1:29.9	And so I just know that I just got it two months ago, and I had to trade in my other
1:34.3	car because it was a 2019.
	...

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