Live from the headquarters of Ramsey Solutions, broadcasting from the pods, movie,

and storage studio.

I'm John Dilloni, joined here by my best friend George Kamel and we are taking your calls,

and we are taking your calls, and we are taking your calls, and we are taking your calls,

and we are taking your calls, and we are taking your calls, and we are taking your calls,

the biggest one being our car loan.

Now, the issue with that is that when I first,

I was originally stationed in England for a number of years

and I came back,

a state site when I came back,

my credit was terrible.

And we ended up getting this car.

It was in the end of the day, a bad deal.

Well, we had the car for a number of years

and then all of a sudden the engine goes out.

And when we took it back to the dealership

and they basically put us in a new car,

we carried over the negative,

the negative equity on the car.

So now I'm basically, I start off the loan,

starting off in $37,000 on a car that's valued pretty much

to the 21,000 even brand new.

...