"You Spend And Rationalize Like You're In Congress!"

The Ramsey Show Highlights

Ramsey Network

Self-improvement, Education, Investing, Business

4.6 • 682 Ratings

🗓️ 25 June 2025

⏱️ 8 minutes

🔗️ Recording | iTunes | RSS

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Transcript

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0:00.0	Brought to you by the Every Dollar app. Start budgeting for free today.
0:06.6	Well, I'm in a bit of a jam. I don't know how to get out of it. About three years ago, I had some parental issues that came out with my folks, and I got injured at work for about a year and a half, so I was on workers' comp payments. But I got myself into about $97,000 of credit card debt.
0:23.9	I have a $32,000 personal loan.
0:26.2	I have a $34,000 car loan and $18,000 in student debt.
0:31.8	Everything's up to about $181,000 in debt.
0:35.7	And I, you know, my mortgages at $76767,000 I just don't know how to get out of it
0:41.8	I can't get it I can't get a loan to consolidate because doesn't matter you can't borrow your way out of debt
0:48.1	I well I was hoping to consolidate your life's mathematically impossible to borrow your way out of debt
0:53.4	okay so what do you make?
0:56.6	My base is about $140,000 in the year.
0:59.6	With my overtime, I make about $180,000 to $220.
1:02.6	And you're single?
1:04.5	I have a stepson and a girlfriend that lives with me.
1:09.3	You don't have a stepson if you're not married.
1:12.7	Well, he's living with me and she's living with me.
1:14.7	Okay, your girlfriend's kid and your girlfriend live with you.
1:18.5	Right.
1:18.9	Okay.
1:19.5	All right.
1:19.8	Just making sure I understand what's going on.
1:21.6	All right.
1:22.4	The, um,
	...

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