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The Ramsey Show Highlights

I’m Setting You Free and You’re Arguing With Me!

The Ramsey Show Highlights

Ramsey Network

Business, Education, Investing, Self-improvement

4.5839 Ratings

🗓️ 11 April 2024

⏱️ 7 minutes

🧾️ Download transcript

Summary

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Transcript

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0:00.0

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0:06.0

So the back story is my wife and I are in Baby Step 2. We have about 5,000 left on a credit card debt of 20,000.

0:15.0

We spent the last few years putting that together and being more financially savvy.

0:20.0

We've been paying about

0:21.9

$1,000 a month for the last year, and we've been doing so just to chip away at it. Our household

0:28.8

income is about $200,000 between my base and my commission and my wife's salary, and we have

0:33.4

two paid for cars and no other debt. Now, I had a good quarter last year.

0:38.9

I received about $12,000, but we just had our second baby a month ago,

0:44.1

and we have all these medical bills that are piling up,

0:46.4

and my question is, do I pay off?

0:48.6

All these medical bills?

0:50.1

You didn't have insurance?

0:51.9

We do.

0:52.6

We have a...

0:53.8

So how much medical bills you got for a baby?

0:57.6

So there's a long story to that.

1:00.3

My wife didn't have insurance for that time.

1:02.8

We had to do with this whole appeal process.

1:04.5

But the end result is that we got her back on my insurance, and our total deductible

1:09.6

is $3,200 a month. I'm total deductible is $3,200 a month,

1:11.1

I'm sorry, total is $3,200.

1:13.7

And we have a $6,800 out-of-pocket maximum.

...

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