It's Wednesday, and this is the Ramsey Call of the Day.

Part of the Ramsey Network.

Joining me today is Ramsey Personality, Anthony O'Neill.

Tyler is with us in Illinois.

Hey, Tyler, welcome to the Dave Ramsey Show.

Hi, Mr. Dave and Mr. Anthony.

How are you guys doing?

Great. How can we out?

Yeah, so I'm hoping you guys can speak some wisdom into my situation. I'm 22 years old. I'm currently, well, should be a senior

in college. I'm on my fourth year. I'm about two and a half years out for my degree. A little

backstory out of high school and into college, I struggled with intent and direction,

which we know was very important. I kind of felt like I had a means but didn't have an end.

So right after high school, I went into college, community college, because it was just the

normal thing to do. And then after that, I went to my four-year degree and I've switched

majors a few times. So that brings me today.

I've got about two years left in business school and I've got about $20,000 in loans.

And it wasn't until about last month that I kind of decided that I wanted to go in real estate.

And so after looking into it and talking to a guy I know who owns a broker locally,

I've realized that obviously I can go into real estate a lot cheaper than I can go get my degree

and just trying to figure out where I should go from here.

The job that I'm working now, I could probably pay off most of the rest of my education

at school if I go that route, but then I probably wouldn't be able to put as much time into real estate.

...