"You Don't Have The Money To Do This"
The Ramsey Show Highlights
Ramsey Network
4.5 • 839 Ratings
🗓️ 27 December 2025
⏱️ 9 minutes
🧾️ Download transcript
Summary
Transcript
Click on a timestamp to play from that location
| 0:00.0 | If your private student loans are in default, you're not out of options. |
| 0:06.6 | Go to whyrefi.com slash Ramsey. |
| 0:08.8 | I am 54 years old. |
| 0:10.7 | I have $75,000 in legal fees, about $12,000 in credit card debt. |
| 0:16.8 | I have two car payments that total about $28,000. |
| 0:21.3 | And I make $86,000, about $86,000 a year. |
| 0:26.0 | I'm paying rent for $2,300 a month. |
| 0:29.4 | The reason why I'm in such horrible financial is because I went through a divorce in 2016, |
| 0:36.7 | and my ex-husband is an attorney. And so, like, |
| 0:40.3 | every time I wanted to try to get child support, I had to go back to court. So it's been going on |
| 0:44.7 | for 10 years. So my question is... How old are the kids now? Sure. Okay. So I have one's a senior |
| 0:51.8 | in high school, and then the other one's a junior in high school. |
| 1:00.0 | So my question is I have them on scholarship at a private school. |
| 1:13.1 | I have a 90-year-old father who has, you know, asked us to move back in with him to help me, you know, pay off all my debt. But that would put my kids about 30 minutes away from their school. And it's kind of a rural, it's a very rural town where he lives. |
| 1:18.6 | And so I'm wondering, you know, should I stick it out for another year for until, you know, |
| 1:24.6 | my younger one finishes high school and then move in, or should I just try |
| 1:30.2 | to move in now just because it's my rent is really high. It's $2,300 a month. Yeah, for Savannah, |
| 1:35.9 | Georgia, that's really high. Yeah, yeah. So, okay, so you're kind of looking at your numbers. |
| 1:45.4 | You don't have a lot of margins, so you're kind of spinning your wheels right now, |
| 1:49.1 | making huge progress because of all these different. |
| 1:52.1 | You high rent, you've got all these debts looming over you, and so forth. |
| 1:58.0 | What are the boys' plans as they come out of school? |
... |
Please login to see the full transcript.
Disclaimer: The podcast and artwork embedded on this page are from Ramsey Network, and are the property of its owner and not affiliated with or endorsed by Tapesearch.
Generated transcripts are the property of Ramsey Network and are distributed freely under the Fair Use doctrine. Transcripts generated by Tapesearch are not guaranteed to be accurate.
Copyright © Tapesearch 2026.