I'm Broke, Homeless, and Don't Have a Job

The Ramsey Show Highlights

Ramsey Network

Business, Investing, Education, Self-improvement

4.5 • 839 Ratings

🗓️ 25 October 2025

⏱️ 5 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 CHO, a budget-friendly faith-based alternative to health insurance.
0:07.6	CH Ministries.org slash budget.
0:10.6	Hey, so I had a question.
0:12.0	I'm 27 trying to navigate life a little bit here about bankruptcy.
0:16.4	I've got about $14,000 in debt, and part of that is a car loan. That's about $6,500, and that car is broke down now.
0:28.6	And I'm also homeless. So I'm just trying to figure out if that's a smart move or not, or if it's something that I should live a cash life for the next seven years or not.
0:40.5	How did you find yourself homeless?
0:43.6	Well, I originally tried to get into a place and they ended up switching over management.
0:49.4	I never got my application.
0:51.3	I ended up dropping a deposit in first month, but the new management
0:57.1	returned that back to me because they ended up moving somebody in. That kind of sluered the
1:02.3	effect of couch surfing and then making it harder to get in somewhere, prolonging that.
1:09.7	How long has this been going on?
1:12.3	About eight months.
1:13.9	Okay, so when are you getting a place?
1:16.7	I don't know yet.
1:17.6	Are you working?
1:18.3	I'm trying to figure that out.
1:20.0	As of two weeks ago, I wasn't, or I'm not,
1:22.6	but I am applying currently and waiting for pending.
1:26.9	Explain what's going on with the work
1:28.3	wire aren't you able to keep a job um well a lot of times it was uh unwillingness at first
	...

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