Sydney

What about this? Push it down on your shoulders. I wouldn't even know where to look in this pile. Let's see.

What about this? Push it down on your shoulders. I wouldn't even know where to look in this pile. Let's see.

I think just, I think jeans. No. No, I'm crying, jeans. You don't. You do not.

I think just, I think jeans. No. No, I'm crying, jeans. You don't. You do not.

It's more that you have to feel good in, you know, it's gotta, you gotta just feel good, boo, and you gotta be, it's gotta start in here, and... I was watching this series because I was hoping for some help, any guidance, with a question I've been struggling with.

It's more that you have to feel good in, you know, it's gotta, you gotta just feel good, boo, and you gotta be, it's gotta start in here, and... I was watching this series because I was hoping for some help, any guidance, with a question I've been struggling with.

What about this? Push it down on your shoulders. I wouldn't even know where to look in this pile. Let's see.

I think just, I think jeans. No. No, I'm crying, jeans. You don't. You do not.

It's more that you have to feel good in, you know, it's gotta, you gotta just feel good, boo, and you gotta be, it's gotta start in here, and... I was watching this series because I was hoping for some help, any guidance, with a question I've been struggling with.

Hi. Hi. Thanks for taking my call.

Hi. Hi. Thanks for taking my call.

So I'm kind of new to the Dave Ramsey universe, but I am currently working through the steps, currently on step three. And earlier this year, I got President Biden's student loan forgiveness and a refund check with that. So I am completely consumer debt free outside of my mortgage.

So I'm kind of new to the Dave Ramsey universe, but I am currently working through the steps, currently on step three. And earlier this year, I got President Biden's student loan forgiveness and a refund check with that. So I am completely consumer debt free outside of my mortgage.

Just my, like, student loans. Like, my school was deemed predatory or whatever.

Just my, like, student loans. Like, my school was deemed predatory or whatever.

What did you get back?

What did you get back?

Yes. And so I use that to pay off my car, my 401k loan that I used to do my mortgage. I know that's like against the rules. I learned that now, you know, I didn't do that then. That's okay.

Yes. And so I use that to pay off my car, my 401k loan that I used to do my mortgage. I know that's like against the rules. I learned that now, you know, I didn't do that then. That's okay.

And paid off my credit card. So I've been consumer debt free all year or since then. Except the 401k. No, I paid that off as well. Oh, good. What all did you get back?

And paid off my credit card. So I've been consumer debt free all year or since then. Except the 401k. No, I paid that off as well. Oh, good. What all did you get back?

I got like $16,000, $17,000 back. Okay.

I got like $16,000, $17,000 back. Okay.

Yeah.

Yeah.

Yeah, that's what I wanted to see if you guys had any insight on because I'm currently getting laid off and my plan is to file my taxes like first thing next year to help bridge any potential employment I'm expecting to run into. But now I'm like, if I'm going to get taxed on that, do I wait? I don't think you're going to get taxed on that.

Yeah, that's what I wanted to see if you guys had any insight on because I'm currently getting laid off and my plan is to file my taxes like first thing next year to help bridge any potential employment I'm expecting to run into. But now I'm like, if I'm going to get taxed on that, do I wait? I don't think you're going to get taxed on that.

Okay.

Okay.