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

Part of the Ramsey Network.

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

Gavin is with us in Houston, Texas.

Hi, Gavin. How are you?

Good. How are y'all doing?

Better than we deserve. How can we help?

So I'm 25, and due to a very fortunate situation, I kind of got

doubly lucky here and got some money from my parents and my grandfather and also got really

lucky investing in some things I didn't completely understand with that money, like you often

say. The tricky part about that now is that 95% of my net worth is in stocks, and I only make 50 grand a year.

Getting ready to buy a house with my fiance, I'm just concerned about the capital gains tax hit to create a down payment for the house.

So I'm thinking I've made my fair share of dumb decisions with this money being young.

Obviously, I've got a big Chevy Tahoe that, you know, I don't think I necessarily deserve, but I just

happen to like something.

And do I sell it to, number one, be debt-free and create positive equity to maybe absorb

that tax it, or do I keep the truck just because I enjoy it?

Is the truck paid for?

Yeah.

It's got $28,000 left on it.

But, yeah, either way, I'm not taking the car payment anymore,

so I'm thinking both situations, me, they're writing it off and writing the tax.

...