brought to you by the every dollar app start budgeting for free today justin is in salt

lake hi justin welcome to the ramsay show how's it going guys for you guys for take my call so i am

on uh baby step number two of paying off my debt and i have about 38 000 worth of debt and I'm 21 so we call you guys and

since I can get some advice on what kind of debt have you got situation so I got a

past few phone bill of $1,900 I got a credit card debt for $. I got a personal loan out for $1,500.

I got two real possessions, one for $5,000, one for $10,000.

I got a current car loan for $12,000, and I owe my girlfriend's grandma $7,000.

You owe your girlfriend's dad?

Grandma.

$7,000, yeah? Grandma. Grandma.

She helped me get down payment on my new vehicle because my old one blew a motor on it and I am employed by her.

You're employed by her?

What do you do for your girlfriend's grandmother?

So they own an audio visual company.

So we run the clinic in Parks City, Utah, for a hotel like St.

Arkansas's Lodge and a couple of places.

We do weddings and business meetings.

Okay. So I just go weddings and business meetings. Okay.

So I just go in and I just put...

How have you managed to get two cars repoed in your 21 years old?

So when I had 18, I bought my first auto loan out,

and it was for 10,000, we actually the lease.

...