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Live from the headquarters of Ramsey Solutions broadcasting from the pods moving and storage studio.

It's the Ramsey show where America hangs out to have a conversation about your life, about your money.

I am your host, the Jade Warshaw. I'm joined by Ken Coleman, America's career coach in the house.

In the house, thank you, Ken. And like I said, we're here to talk about your life and money.

So give us a call. The number is triple eight eight two five five two two five and we will chop it up with you.

Let's go straight to the phone lines. We got Amber and Los Angeles, California. What's going on in California?

Amber. Hey, how are you doing? Good. How are you?

Good. Thanks for taking my call. I'm a new listener. I still want to cross the YouTube channel about probably like a day after I prayed for financial guidance.

I'm 33. I'm single. I'm in California. I'm a registered nurse. But going up, I never really had any financial guidance.

I saw my parents struggle going through bankruptcy and I kind of feel like I'm going in the same footsteps.

After I found the show, I enrolled in financial peace university, but I'm kind of stuck on baby stuff once.

I don't really have any extra funds left over to cover like minimum payments for my dad.

So kind of just like, what do I do in that situation?

That's such a good question. And I think a lot of people find themselves there.

Typically, when you find that you don't have any margin left, right?

You're barely covering minimum payments. There's no money there. It's usually a combination of a couple of things.

One, your actual core income is probably not high enough. It's not sustaining your life.

It also could be that you need to cut back in your lifestyle or it might be a combination of the two.

So let's get a little bit more information from you. What's your current income?

I make about 90,000 here.

My dad is a lot of student loans, but there's also consumer debt there.

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