"This Financial Inbreeding Needs To Stop!"

The Ramsey Show Highlights

Ramsey Network

Self-improvement, Education, Investing, Business

4.6 • 682 Ratings

🗓️ 27 June 2025

⏱️ 5 minutes

🔗️ Recording | iTunes | RSS

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Summary

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Transcript

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0:00.0	Brought to you by CHM, a biblically based alternative to health insurance.
0:06.3	Learn more at chmistries.org slash budget.
0:09.2	I had a question, basically.
0:10.9	I'm 25.
0:12.3	I just had twins two weeks ago or three weeks ago.
0:15.8	And I actually had a stroke last week, a small one, but I'm doing better now and I'm back at work.
0:20.0	Oh, my goodness.
0:20.8	Wow. Yeah, my goodness.
0:27.0	Wow. Yeah, I also have a toddler. He's two. And that being said, about two years ago,
0:32.1	my son was first born, I got into a really horrible financial decision. This is before I knew the Dave Ramsey show and everything that y'all preach about. I got a car from my wife because we needed two vehicles. I was working out of town.
0:38.7	And when I say I have a horrible interest rate, it's horrible.
0:42.0	It's 22%.
0:43.2	It was a stupid decision.
0:46.5	I'm debating on either doing a voluntary repossession.
0:49.8	It's not that I can't afford the vehicle, but it's just I've had the vehicle two years,
0:53.7	and $2,000
0:54.6	has been paid towards the principal with $500 a month payments.
0:59.4	Another thing being said, I did recently get approved to get refinanced at a lower interest
1:04.5	rate.
1:04.7	Still not great, but it's at 13%.
1:06.8	I'll take it.
1:07.4	So I'm basically asking if I should refinance it or just go ahead and do a voluntary repossession.
	...

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