Dave Ramsey

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Jason's in Las Vegas.

Hi, Jason.

How are you?

I'm doing well, sir.

How are you?

Better than I deserve.

What's up?

Well, I'm having a little dilemma.

I have some money saved, and I was thinking of potentially taking out an auto loan, although I just had a car last year that I was able to sell for positive equity, and I used that positive equity to buy a motorcycle.

But now that I'm sure you're aware I'm in Las Vegas, the summer is right around the corner if not here.

It's starting to heat up.

I definitely need to get a car with air conditioning because riding around is kind of killing me and I'm sweating a lot.

But I also don't want to fall into a trap where I'm stuck with a car payment because I'm not a huge fan of payments.

I try to minimize them the best I can.

How old are you, 22?