“If You Can’t Live on $100,000 Something’s Wrong With You”

The Ramsey Show Highlights

Ramsey Network

Investing, Self-improvement, Education, Business

4.5 • 840 Ratings

🗓️ 4 November 2025

⏱️ 9 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.
0:06.0	I was calling because with me and my husband combined, we have a debt of $562,000.
0:13.0	That includes our mortgage, but besides the mortgage, most of that is his.
0:18.0	We're following your baby steps and we've been following it all year.
0:22.2	But it doesn't seem like we're getting anywhere.
0:25.0	And if anything, right now,
0:26.9	we're back at the same amount that we had at the beginning of the year.
0:32.2	I just don't know what to do.
0:34.6	I don't know what to do anymore.
0:36.3	I'm sorry.
0:36.6	How could you get back into debt
0:38.4	when you're getting out of debt? I'm confused. Exactly. Yeah. Well, we've had situations with our
0:45.0	cards come up and then he loves to use his credit cards for anything that comes up. So,
0:52.9	okay, so we're going into credit card debt while we're trying to get out of debt.
0:57.1	So he's not really trying to get out of debt.
0:58.7	He's running business as usual, and you're trying to get out of debt.
1:03.0	Yeah, yeah.
1:04.0	I mean, I have $11,000 of that that is mine.
1:08.0	Even myself right now, I can't seem to get out of it.
1:12.9	And I'm physically...
1:14.3	So you said $562,000.
1:16.7	How much of that is mortgage?
	...

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