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Dr. John Deloney

👤 Speaker
14411 total appearances

Appearances Over Time

Podcast Appearances

The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late

Right now it's just all, she lost a lung and a leg and two chambers of her heart, right? Yeah. And so she's going to have to slowly realize that she can lean on him now.

The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late

Right now it's just all, she lost a lung and a leg and two chambers of her heart, right? Yeah. And so she's going to have to slowly realize that she can lean on him now.

The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late

Right now it's just all, she lost a lung and a leg and two chambers of her heart, right? Yeah. And so she's going to have to slowly realize that she can lean on him now.

The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late

That's math, right? Yeah. And I would like as, as close to writing it down with a crayon as you can. And this is, this is funny. I was on the phone with a 50 year old earlier today. Um, who's entering into slow down.

The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late

That's math, right? Yeah. And I would like as, as close to writing it down with a crayon as you can. And this is, this is funny. I was on the phone with a 50 year old earlier today. Um, who's entering into slow down.

The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late

That's math, right? Yeah. And I would like as, as close to writing it down with a crayon as you can. And this is, this is funny. I was on the phone with a 50 year old earlier today. Um, who's entering into slow down.

The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late

Here's the thing. This 50-year-old's heading in to buy a house. It's not an age thing, but heading in to buy a house, and I gave that exact wisdom. I said, listen, don't feel ashamed to ask the mortgage company to explain this to you as though you're a high school student. That's the exact language I used. And so a 74-year-old, he may have said for the last 30 years, I got it.

The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late

Here's the thing. This 50-year-old's heading in to buy a house. It's not an age thing, but heading in to buy a house, and I gave that exact wisdom. I said, listen, don't feel ashamed to ask the mortgage company to explain this to you as though you're a high school student. That's the exact language I used. And so a 74-year-old, he may have said for the last 30 years, I got it.

The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late

Here's the thing. This 50-year-old's heading in to buy a house. It's not an age thing, but heading in to buy a house, and I gave that exact wisdom. I said, listen, don't feel ashamed to ask the mortgage company to explain this to you as though you're a high school student. That's the exact language I used. And so a 74-year-old, he may have said for the last 30 years, I got it.

The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late

I'm taking care of it. Sitting down and saying, okay, Mom, let me just show you this. Mm-hmm. There were two windows that had to be fixed. Here's the exact cost. This house was about to be taken. Dad was sick, and he didn't realize the taxes. We're not going to ever pin him as though he's a bad guy because immediately then she's got to defend him. We're not going to get into that.

The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late

I'm taking care of it. Sitting down and saying, okay, Mom, let me just show you this. Mm-hmm. There were two windows that had to be fixed. Here's the exact cost. This house was about to be taken. Dad was sick, and he didn't realize the taxes. We're not going to ever pin him as though he's a bad guy because immediately then she's got to defend him. We're not going to get into that.

The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late

I'm taking care of it. Sitting down and saying, okay, Mom, let me just show you this. Mm-hmm. There were two windows that had to be fixed. Here's the exact cost. This house was about to be taken. Dad was sick, and he didn't realize the taxes. We're not going to ever pin him as though he's a bad guy because immediately then she's got to defend him. We're not going to get into that.

The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late

Hey, we had to pay these back taxes. They were $3,500, and here's the receipt for it. And she might go, no, none of that's right. Mom, it's right. It's right. And if you think in that conversation, she can get to, oh, well, then we just need to pull this out of this rental income. Great. If you don't and you've got 15 grand, then it's not going to burn a hole through your family.

The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late

Hey, we had to pay these back taxes. They were $3,500, and here's the receipt for it. And she might go, no, none of that's right. Mom, it's right. It's right. And if you think in that conversation, she can get to, oh, well, then we just need to pull this out of this rental income. Great. If you don't and you've got 15 grand, then it's not going to burn a hole through your family.

The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late

Hey, we had to pay these back taxes. They were $3,500, and here's the receipt for it. And she might go, no, none of that's right. Mom, it's right. It's right. And if you think in that conversation, she can get to, oh, well, then we just need to pull this out of this rental income. Great. If you don't and you've got 15 grand, then it's not going to burn a hole through your family.

The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late

Pay the 15 grand and we'll figure this thing out in six months or a year when the smoke lifts on this deal.

The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late

Pay the 15 grand and we'll figure this thing out in six months or a year when the smoke lifts on this deal.

The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late

Pay the 15 grand and we'll figure this thing out in six months or a year when the smoke lifts on this deal.

The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late

Travis, let me recontextualize this. When you call the Ramsey Show and say you're struggling, people, when they call us, they don't know how they're going to pay rent or they don't have food. Gotcha. So when you say you're struggling, does that mean you don't know how you're going to pay your light bill and you may have to sell some stock to pay your light bill?

The Ramsey Show
You Can Still Escape the Debt Spiral Before It’s Too Late

Travis, let me recontextualize this. When you call the Ramsey Show and say you're struggling, people, when they call us, they don't know how they're going to pay rent or they don't have food. Gotcha. So when you say you're struggling, does that mean you don't know how you're going to pay your light bill and you may have to sell some stock to pay your light bill?