4.6 β’ 682 Ratings
ποΈ 27 May 2025
β±οΈ 8 minutes
ποΈ Recording | iTunes | RSS
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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. |
0:10.1 | I have a two-part question, a little bit of background. I have worked for the last 10 years as a travel nurse, |
0:17.2 | and I was making pretty good money anywhere from like 16 to 18,000 per month. |
0:23.3 | And I'm a single mom of six and in December one of my children actually unfortunately |
0:30.8 | tried to hurt themselves. And so I gave up traveling and I took a local contract to be there to support them. |
0:40.5 | And it came with a huge pay decrease. |
0:44.2 | And so suddenly my budget was not very good, very affordable anymore. |
0:49.8 | But unfortunately, I had never really managed that money well, even though I was making |
0:54.8 | a lot. I was spending even more. So I do have poor credit. I have an eviction on my record. |
1:00.2 | I have a repossession on my record. And so when I kind of found Dave and money makeover |
1:06.5 | and I sat down with every dollar budget, the clear answer was to move out of our rental because we have a very expensive rental home. |
1:14.0 | But as I started looking, nobody would rent to me. |
1:16.9 | So the first part of my question is if you have any suggestions for alternative renting, like rental avenues, |
1:23.7 | to kind of get us out of this because that would free up a lot of my budget. |
1:27.4 | And then the second part of my question is I've because that would free up a lot of my budget. |
1:34.3 | And then the second part of my question is I've heard Dave say he has a Ph.D. and D.U.M.B. and things like that on the show, |
1:46.6 | I am having a really hard time with the shame and the guilt of not being able to provide for my family because I made so many poor decisions. And if you guys have any advice on how I kind of jump that hurdle of the emotional weight and just feeling so |
1:55.4 | pathetic. Well, let me jump in. Let me jump in real quick. I'm so glad you're sharing that with us, |
2:00.7 | but you aren't |
2:03.5 | pathetic and you are going to have to forgive yourself. You know, the kids are doing their thing. |
2:11.4 | That's going to all cycle out. I think a lot of this is a tremendous amount of guilt and shame |
2:15.2 | over the kid who's trying to hurt themselves. |
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