I'm Broke And Overextended On My Home

The Ramsey Show Highlights

Ramsey Network

Education, Investing, Business, Self-improvement

4.5 • 838 Ratings

🗓️ 4 October 2025

⏱️ 9 minutes

🔗️ Recording | iTunes | RSS

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Summary

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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 i'm just trying to get advice
0:08.2	i'm uh kind of stuck financially i purchased uh my home about 400 000 beginning of 2024
0:17.6	with the interest rates um it's not really affordable. I thought that I could refinance,
0:25.3	but it's really, I make a good salary, but I'm kind of living paycheck to paycheck,
0:32.4	unable to fade. The debt that I have is kind of just there hanging around, not going anywhere,
0:40.4	and I just want to get out of this house, or I don't really have a solution to remedy
0:47.6	this poor financial decision that I made for myself.
0:52.6	Okay.
0:53.2	Lacey, how much is your house payment every month?
0:58.0	3,100.
0:59.6	3,100.
1:00.2	And how much are you bringing home?
1:04.1	After taxes, I bring home about, let's see, 56.
1:12.9	Oh, my gosh.
1:15.2	Yeah, yeah, you can't afford this house.
1:19.2	I mean, how, yeah, I mean, that leaves you, yeah,
1:22.2	$2,000-ish dollars per month.
1:25.2	How much are your debt payments on everything else?
1:28.6	Meet every dollar budgeters Christy and Steve. Their life is chaotic, but their money is simple
1:34.1	because they budget with every dollar. Budgeting with the spreadsheet took a ton of time.
1:39.6	But now it's every dollar. I can do a budget in five minutes. And tracking purchases is just as simple.
1:47.7	It's so freeing to know exactly where your money is going. It just takes that stress out of the
	...

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