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Derek (Caller)

👤 Speaker
83 total appearances
Voice ID

Voice Profile Active

This person's voice can be automatically recognized across podcast episodes using AI voice matching.

Voice samples: 2
Confidence: High

Appearances Over Time

Podcast Appearances

Rahimi, Harris & Grote Show
Full Show — June 23, 2026

Okay, but wait.

The Ramsey Show
Your Credit Score Shouldn’t Be Your Motivation (Hour 1)

Hey, guys.

The Ramsey Show
Your Credit Score Shouldn’t Be Your Motivation (Hour 1)

Thanks for taking the call.

The Ramsey Show
Your Credit Score Shouldn’t Be Your Motivation (Hour 1)

How are we doing today?

The Ramsey Show
Your Credit Score Shouldn’t Be Your Motivation (Hour 1)

Not much.

The Ramsey Show
Your Credit Score Shouldn’t Be Your Motivation (Hour 1)

So long story short, I discovered you guys about six months ago, and I think I'm on baby step six.

The Ramsey Show
Your Credit Score Shouldn’t Be Your Motivation (Hour 1)

I'm 32.

The Ramsey Show
Your Credit Score Shouldn’t Be Your Motivation (Hour 1)

I'm entirely debt-free.

The Ramsey Show
Your Credit Score Shouldn’t Be Your Motivation (Hour 1)

Well, not entirely.

The Ramsey Show
Your Credit Score Shouldn’t Be Your Motivation (Hour 1)

I owe about $150,000 on my home.

The Ramsey Show
Your Credit Score Shouldn’t Be Your Motivation (Hour 1)

Wow.

The Ramsey Show
Your Credit Score Shouldn’t Be Your Motivation (Hour 1)

But I'm just really unsure of mainly baby step five because I'm single with no kids.

The Ramsey Show
Your Credit Score Shouldn’t Be Your Motivation (Hour 1)

So do I just ignore that?

The Ramsey Show
Your Credit Score Shouldn’t Be Your Motivation (Hour 1)

And then really, what would be my path forward?

The Ramsey Show
Your Credit Score Shouldn’t Be Your Motivation (Hour 1)

Just keep going how I am or do I need to change something up?

The Ramsey Show
Your Credit Score Shouldn’t Be Your Motivation (Hour 1)

$105,000.

The Ramsey Show
Your Credit Score Shouldn’t Be Your Motivation (Hour 1)

I'm a project engineer.

The Ramsey Show
Your Credit Score Shouldn’t Be Your Motivation (Hour 1)

I was.

The Ramsey Show
Your Credit Score Shouldn’t Be Your Motivation (Hour 1)

A few months ago, I started a new job, and I'm not eligible for their 401k program yet.

The Ramsey Show
Your Credit Score Shouldn’t Be Your Motivation (Hour 1)

Okay.