This is the Ramsey Call of the Day, part of the Ramsey Network.

Joining me today is Ramsey personality, Dr. John Deloney.

Greg's in Portland, Oregon.

Hi, Greg.

Welcome to the Ramsey show.

Hey, dude. I'm happy to be here. I wish I was here under better circumstances and

giving them my debt-free speech, but I'm not quite there yet.

How can we help?

Well, yeah, so I actually live in a little town outside of Portland here in Oregon on the

North Coast.

And I married my wife.

She's the sweetest woman you ever met, you know, about six years ago.

And I lost my job about three months or so before she moved to the U.S. from out of state or out of country.

I started my business with the last $350 in the bank account. We were dirt poor for a while. I'll tell you, I'm 26 now. I've

been doing it for about five and a half years. And it's grown a lot. This last year, I've

done about 26% growth. I'm just now starting to get a good wage

from it. My wife's a teacher at the local school district and she said, you know, she's always

looking for jobs and she saw an IT job there, which is basically what I do now. But it's entry level.

It's a little bit of a pay cut, but it comes with the benefits and the security of it.

And that's what she wants is the security.

And she's kind of giving me an ultimatum of, you know, she doesn't want to have to deal with the business anymore, the, you know, up and down of it.

And said, you know, I might not be here tomorrow.

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