The Oh, no. Live from the headquarters of Ramsey Solutions, it's the Ramsey Show.

We help people build wealth, who work that they love and create actual, amazing relationships.

Open phones here at AAA 825.

5225 George Camel Ramsey personality.

Most of the George Camel show on YouTube, that's Camel with a K very popular show as well as of course the

smart money happy hour co-host with Rachel Cruz he's my co-host today open

phones here at triple 8 2 825, 225.

Kathy starts this hour off in Indianapolis.

Hi Kathy, welcome to the Ramsey Show.

Hi guys, how are you today?

Better than we deserve. What's up in your world? Oh, I'm trying to get there on your level.

I am calling today to ask you guys kind of what you think my next steps might be.

I've gotten myself into quite the mess.

I have followed all of the rules of never opening your credit card in my life.

I'm 27 and I've made it this far without one and I've kind of gotten to a point where I am desperate enough that I am I have been riding the line of wanting to open one this week because of all of my debt problems that I'm having.

Yeah, debt problems are always solved by more debt. What do you mean?

So I've kind of gotten myself into a predicament with bills that are owed and my shovel is not nearly big enough and I feel like I'm running myself into the ground trying to do side hustles and

I just graduated in June and started as a hair stylist and the money is just not there like I thought it was going to be and I know you kind of have to get clientele and build up your marketing and all that stuff and after I signed my apartment lease I found out that I was pregnant so I'm six months into that

journey now and I have bitten off way more than I can chew as far as what I can afford.

Okay what does your husband make? I'm not married.

Oh, okay.

Where is the father in the picture?

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