I'm $70,000 Upside Down On My House!

The Ramsey Show Highlights

Ramsey Network

Business, Education, Investing, Self-improvement

4.5 • 839 Ratings

🗓️ 18 February 2026

⏱️ 10 minutes

🔗️ Recording | iTunes | RSS

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Transcript

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0:00.0	Brought to you by the Every Dollar app.
0:04.3	Start budgeting for free today.
0:06.4	I live in Orlando, and I have a pretty good job, but I have a potential career change and unique job opportunity that would take me out of state.
0:16.9	But it would actually be a pay decrease.
0:19.0	And another big problem is that I'm severely underwater on my mortgage.
0:23.9	Oh, boy.
0:25.1	Oh.
0:25.5	You're not behind on payments.
0:27.7	No, no, no.
0:28.7	Okay, so how are you underwater?
0:30.5	Like upside down?
0:32.2	Upside down, yes, sorry.
0:33.4	You owe more than the house is worth.
0:36.0	Yeah, quite a bit.
0:37.4	How did we get here?
0:38.2	Yeah, houses.
0:39.8	Yeah, so I bought this house about two years ago, and the market was really high.
0:46.1	And I moved to the whole home buying thing, so I'll probably overpaid for it.
0:50.8	Yeah.
0:51.5	And then, yeah, houses in my area, just, they're really not selling well.
0:57.8	The prices have gone way down since I've bought. So you're underwater on paper right now,
1:03.5	as if if you sold today, you would take a big loss and you need to come up with the difference.
	...

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