It's Thursday, and this is the Ramsey Call of the Day.

Part of the Ramsey Network.

Joining me today is Ramsey Personality, Anthony O'Neill.

Valerie is in Chicago.

Hi, Valerie. Welcome to the Dave Ramsey Show.

Hey, Dave. Thanks for taking my call today.

Sure. What's up?

So, all right, I'm 24. I am almost going to be 25 in two months. I make $60,000 a year at a job I completely 100% hate.

I have no savings. I live paycheck to paycheck, and I have several addictions that hold me back and cause me to take out cash advances to the point where I am $1,000 in the hole every time my direct deposit hit.

I've been a chronic marijuana smoker for, like, seven years now, and i have been basically eating straight up uber

eats and door dash for like every meal i mean i haven't cooked the meal and wait you smoke a lot of pot

and you're hungry all the time who knew oh my gosh.

It's like something happens between the hunger paying and the, like, I just black out.

And then there's a transaction and someone's at my door and it just happens every time.

And I just can't, I can't seem to get a handle of just, I don't know, discipline.

And I want to grow up so bad.

And yet I want a certain life for myself.

And I just feel like I'm constantly carrying around all of this like shame and guilt because I just can't seem to get it together.

And I know what I have to do, but I just don't know how to start.

Valerie, before we talk about, you know, this, I have one quick question.

Could you say you're in a whole $1,000 a month?

What kind of debt do you have?

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