I Took Out A Payday Loan And Now I’m Trapped

The Ramsey Show Highlights

Ramsey Network

Investing, Education, Business, Self-improvement

4.5 • 838 Ratings

🗓️ 24 January 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 had a manic episode and put myself into a little bit of debt and I want to know where to
0:11.3	start with the baby steps to get myself out of the situation I put myself into.
0:15.7	Very cool. So when you say a manic episode, are you diagnosed bipolar?
0:20.6	Yes, I am.
0:21.5	Okay, one or two?
0:23.4	I believe it is two.
0:24.8	It's the genetic one.
0:26.4	Okay.
0:27.9	Different conversation.
0:30.8	So have you had manic episodes before?
0:33.8	Yes, they have, but they were not as extreme as this one.
0:37.4	Tell me about it.
0:39.3	So basically I was having a lot of family trouble and then I had health problems too, so I also
0:45.3	have endometriosis, so I had to flare up and had to have emergency surgery, and it was
0:49.3	just that complication of everything altogether that I think what made it a really bad episode for me.
0:54.6	So tell me about the payday loans you took out. How bad is it?
0:58.5	So the original total amount was like 2,300 in something. And with all that interest, it is approximately $5,800 with all that interest.
1:09.3	Gosh, I don't know how those people sleep, to be honest with you.
1:12.9	I just don't, but...
1:14.9	I'm not very happy about it.
1:17.3	I know, I know, I know.
	...

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