This is the Ramsey Call of the Day, part of the Ramsey Network.

Joining me today is Ramsey personality, Dr. Chandelloni.

Colt is in Montgomery, Alabama. Hi, Colt. How are you?

I'm doing well, Dave. Thank you. How are you?

Better than I deserve. What's up?

Well, first I'll start out. I'm absolutely emotionally, mentally, in almost every way, fashion

exhausted, financially. I read your book in 2018 when I was on my last military deployment, I'm actually active military. I've

been in 10 years now. Thank you for your service. That's mine. Thank you. I appreciate it.

So read your book, got motivated, started following your steps, paid off almost $40,000 in

debt in just the first nine months of being on your plan. Then in 2019, I thought, well, I'm in a better position.

I'm going to buy a fixture upper house.

I can do all the work myself and blue collar, old farm boy.

But I could take care of it.

Well, four months later, military dropped me orders.

And I'm stuck with this house and I'm like, I can't really rent it out in the status.

So I made the dumb decision and panicked and put a whole lot of work into the house on credit cards.

And the last two years, I've just been treading water.

The tenants that I had in it for two years trashed it.

So all the work I put into it, pretty much

were just undone. And then I had thought really passively last summer about selling it because

the market's hot. But then I thought, no, I'm still not ready to part with it. It's an investment.

I'll get a roommate from, that's a best friend from another state, move him,

...