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Live from the headquarters of Ramsey Solutions, broadcasting from the pods moving in storage

studios. It's the Ramsey show where we help people build wealth to work that they love

and create actual amazing relationships. Jade Warshall Ramsey Personality is my co-host

today as we answer your questions about your life and your money. Thank you for joining us.

We're glad you're here. The phone number is triple eight eight two five five two two five.

The call is free and some say the advice is worth exactly what you pay for it.

Oliver starts off this hour in Canada. Hi Oliver how are you?

Hello Dave and Jade is an honor to speak with you both. How are you? How are you?

Better than we deserve. How can we help? I am good. I have a question. It's kind of

complicated so I'll expand as best as I can. I'm going through the baby steps. I've been listening

to you since 2017 and I had made it to what I thought was baby steps four and six. I'm not sure

I'm actually really there because me and my brother have a partnership business. The small

business that we do together and back in 2018 I foolishly took over some debt that he had created

with a lot of business expenses but it was on his own credit card but still tied in with the

business because he was trying to be approved for a mortgage. In order to get that mortgage I had to

I didn't have to but I'm basically here to get rid of that debt out of his name and I

feel as we put it into my name. I know there was a stupid thing to do but that's what happened

and basically I was while doing my budgeting since that time I'm like as far as the bank is concerned

that debt is in my name now so that's my debt even though I didn't create any of that debt

and it was all my brother so I'm just wondering if I should go about the baby steps

by sorry I'm just a bit nervous. That's okay. No, no, dude, it's real simple. You're in debt.

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