"I Only Have $1,400 To My Name"

The Ramsey Show Highlights

Ramsey Network

Education, Investing, Business, Self-improvement

4.5 • 838 Ratings

🗓️ 21 February 2026

⏱️ 10 minutes

🔗️ Recording | iTunes | RSS

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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.
0:06.5	I recently filed for Chapter 7 bankruptcy, and in the process, my car was repossessed.
0:14.0	So right now I only have $1,400 to my name, and I'm trying to figure out if I should use this check to pay like the back
0:24.8	fees to get the vehicle back or if I should just try and buy a vehicle in cash or buy here,
0:33.2	pay here. Oh boy. I'm sorry that you're going through that. So when they took the vehicle, have
0:38.4	they already sold it? Is there already a deficit for it? Or what have they told you about it?
0:44.4	The vehicle right now is still on hold. So I'm still able to get it reinstated, but it would
0:50.6	eat up that entire cash amount that I have.
0:55.0	Okay. Is it just you? Do you have kids? Tell me more about your living situation.
1:02.0	Thankfully, I do not have kids, so I only have to worry about myself. My job is fairly flexible,
1:10.0	but I do rely on my vehicle for my job.
1:13.7	So it's hard for me to gauge how I should invest or what the budget should be.
1:20.5	Okay.
1:21.0	What do you make?
1:21.8	What is your monthly budget?
1:24.2	I make about $3,000 a month.
1:26.4	Okay.
1:28.1	Okay. Okay.
1:28.6	So you need the vehicle and it's going to cost, what's the exact amount that it's going
1:32.1	to cost to get it back?
1:34.9	Roughly $1,400.
1:36.8	So it's everything, yeah.
	...

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