“You’re Living Like You’re in Beverly Hills not West Virginia!”

The Ramsey Show Highlights

Ramsey Network

Business, Education, Investing, Self-improvement

4.5 • 839 Ratings

🗓️ 7 November 2025

⏱️ 9 minutes

🔗️ Recording | iTunes | RSS

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Summary

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Transcript

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0:00.0	Zander shops all the top-term insurance companies to save you money.
0:06.8	Get started at zander.com.
0:08.5	My question comes to, my wife and I have made very poor financial decisions in the past,
0:14.2	and we're trying to take care of that now.
0:17.2	But my question is, how do we get rid of vehicles when we are so upside down on them?
0:22.4	Because that's our biggest hurdle right now.
0:25.0	Okay, we'll walk us through the exact details of the vehicles, what you owe and what you could get for them in private sale.
0:34.7	Okay, so we'll start off with the most expensive.
0:38.6	It would be my wife's Jeep.
0:40.4	We owe $47,000.
0:43.2	On a good day, high Kelly Blue Book value is $35,000.
0:48.2	And then my car, it's a civic.
0:51.1	We owe $21,000.
0:53.0	On a good day, it would be $18,000 that we could get. And then we have a
0:57.3	motorcycle as well, and motorcycles are weird. It's hard to find those, like, direct value with those. But we owe
1:03.5	$10,000 on that. And, you know, I would be lucky. I'd like to think I could get $8,000 out of it.
1:10.7	So we're about, if I did quick math, George, 17,000 in the hole on all three. Okay.
1:18.8	Is that all of your debt? You guys have other types? Oh, no, we have a lot of other debt,
1:24.0	and that's what we're trying to get on top of, you know. What are the total payments for these cars and motorcycle?
1:31.0	So the Jeep is 960, the Civic is 455, and the motorcycle is 305.
1:37.6	Oh, my goodness gracious.
1:39.3	I literally have a stomach egg, like right now.
	...

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