I'm Up To My Ears In Debt

The Ramsey Show Highlights

Ramsey Network

Self-improvement, Education, Investing, Business

4.6 • 682 Ratings

🗓️ 9 May 2025

⏱️ 8 minutes

🔗️ Recording | iTunes | RSS

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Summary

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Transcript

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0:00.0	Brought you by Y-ReFi. Refinance your defaulted private student loans today at Y-ReFi.com slash Ramsey.
0:10.5	Yeah, so my situation is that I had a business fail a while ago.
0:18.1	I was on the job search for quite a while.
0:24.2	Couldn't find anything. I'm actually in a rural area outside of Cincinnati. So I applied to get into a trade union, the electricians union.
0:35.7	And I got in and I'm waiting on a job call.
0:41.2	And as soon as I get into a job, I should, you know, theoretically be okay.
0:48.3	But I have no idea when that job call is going to happen.
0:53.7	And I'm up to my ears in debt.
0:57.1	I'm about to not be able to make my payments on my cards and my truck.
1:04.8	Okay.
1:05.2	What kind of income?
1:06.7	Let's just assume that we could snap our fingers and give you the income that you used to have.
1:11.3	What do you need to make at a minimum to be able to cover all your payments and have a little bit of margin?
1:19.2	What's that number?
1:21.9	Well, I have a pretty unique situation.
1:25.6	So honestly, if I made $1,200 in a month, I would be perfectly fine.
1:32.3	How so?
1:34.3	Why is it so unique?
1:36.3	Tell us what is so unique about your situation?
1:39.3	Uh, so I actually built my own home on family land.
1:48.7	I have my own water system, so no water bill.
1:54.7	I pay for electric, which never goes over 100 a month.
	...

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