Various Callers

speaker

1,477 appearances 4 recordings 1 series first heard Jul 2026 last heard 7 Aug

Various Callers’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 4 in all, peaking in Jul 2026 with 3.

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The Ramsey Show · Take The First Step Toward the Life You Want · 24 Jul 2026 podcast

It's a 2.99% mortgage on a 15-year loan.

I think there's about 11 and a half years left.

but between the legal fees relocating and rebuilding my life, I've accumulated a large amount of credit card debt and I have a second mortgage already.

So my monthly take home is about, um, 5,900 after everything, but my required debt payments alone are at least 6,900 a month.

And so before I even buy groceries or gas, so that's why I keep ending up back on credit cards every single month.

Um,

So my question to you is because I plan on keeping the 2.99% first mortgage, but I need to at some point replace my current second mortgage with a larger home equity loan to pay off that mortgage and then all of my high interest credit card debt.

And I'm in the process of that research right now.

But the second part to that question is because I'm trying to build

you know, a retirement plan for myself as well.

I feel like I've been doing everything for everybody else, but not really focusing on me, my mental health, my long-term, you know, plans and everything.

So I don't want to spend the next 20 to 30 years just trying to survive.

I'm trying to build enough real estate income that I can retire early possibly to enjoy my life.

Yeah, of course.

I have my short-term rental savings at this point, and that's about it.

How much is in there?

It's about $12,000.

Okay.

It is, yeah.

So that's just basically the income I've made the last six months on the rental so far.

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