"She Needs To Get Her Head Wrapped Around How Dumb This Is"

The Ramsey Show Highlights

Ramsey Network

Business, Education, Investing, Self-improvement

4.5 • 839 Ratings

🗓️ 5 September 2025

⏱️ 5 minutes

🔗️ Recording | iTunes | RSS

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Transcript

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0:00.0	Brought to you by the Every Dollar app.
0:04.3	Start budgeting for free today.
0:06.8	So I have, I'm in Baby Step 2 right now.
0:10.6	I've got a total money makeover, you know, last year changed my perspective on finances and things.
0:16.3	So, you know, changing things around.
0:19.4	And my wife is, I would say, 80% on board with the plan.
0:26.6	But we have two debts left.
0:28.7	We basically paid off about $100,000 this past year of car notes, you know, things around the house, student loans.
0:38.8	And our last two debts are her student loans and a 401k loan that we took out
0:46.0	before I knew not to do that.
0:49.3	How much are those?
0:50.4	So the herd school loan debt is about $6,500 and the other one is $40,000.
0:58.2	And I know that you're supposed to do the smallest debt, the largest debt. But in this situation,
1:04.7	my wife doesn't want to pay off her student loans first because we get a $50 statement from her company, which is basically, quote, quote, you know, free money.
1:15.6	And so she keeps that going as long as, I'm sorry, what was that?
1:18.7	How much do you get?
1:20.8	$50 per month?
1:22.9	$50 to keep a student loan around?
1:27.8	That's $600 a year.
1:30.8	That means 10 years to pay it off.
1:34.8	No, no, no, no.
1:35.8	So we're paying over-
	...

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