"My Debt Is Crazy!"

The Ramsey Show Highlights

Ramsey Network

Business, Education, Investing, Self-improvement

4.5 • 839 Ratings

🗓️ 3 December 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'm a single father and I went through a major family crisis three years ago.
0:12.0	The type of family crisis that is, you know, life or death, as a result to deal with the expenses of that, I went into $140,000 of credit card debt.
0:26.2	And I have no regrets.
0:28.6	I would do that again every day because at the end of the day, the crisis was resolved, and that money was well spent. However, the credit card debt is crazy.
0:42.4	I mean, some cards are $22,000. Others are $32,000. And the interest on that ranges between 25% to about
0:53.0	32%. So it's killing me, obviously.
0:57.7	I'm treading water, no disposable income, no backup money whatsoever.
1:02.6	If I had another crisis, the type of real crisis, I would drown because it's, you know,
1:10.0	just enough to do just every bare minimum for
1:14.5	the cards and just enough to put gas in the car and just enough for decent meals, but nothing
1:22.1	crazy, no vacations, et cetera.
1:24.2	What do you make?
1:25.0	What do you make every month?
1:31.3	I make a decent income. I'm in California,
1:36.5	so, you know, it may seem like a lot here, but it's not when you have a mortgage and all of the things. And luckily... Hit me with the number. Oh, I'll give you a yearly because... oh, no, okay, no, monthly.
1:45.8	Monthly, it's about 4,200.
1:50.8	No, sorry, that's for paycheck.
1:53.1	Okay, 84.
1:54.1	We're looking at 84.
1:55.8	Okay.
1:56.1	Math was never my strength.
	...

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