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The Ramsey Show

Itโ€™s Never Too Late to Clean Up a Financial Mess

10 Jan 2025

Transcription

Full Episode

14.639 - 36.971 George Kamel

From the Ramsey Network, this is The Ramsey Show, where we help people build wealth, do work that they love, and create amazing relationships. I'm George Kamala, joined by my good, good friend, Dr. John Deloney. Taking your calls at 888-825-5225. You jump in, we'll help you take the right next step with your life, your money, your mental health, your relationships, whatever is going on.

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37.551 - 38.932 George Kamel

Speaking of what's going on.

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38.952 - 60.336 Dr. John Delony

Yeah, before we get going, I think it's important just to... Let our friends and colleagues and family members in Los Angeles just know we see it. It's a disaster, man. I'm rarely speechless and just watching some of that footage. I've got friends in Pepperdine. It's just devastating to see.

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60.596 - 76.044 Dr. John Delony

So it's one of those things you feel helpless sitting this far away and you're watching on your TV or watching on your phone. But... What we can offer right now is to let people know they're not alone. We see it in our thoughts, and we're praying for you guys big time.

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76.745 - 85.193 George Kamel

Yeah, our hearts are with you all. And speaking of which, John, our first call is from California out here. Nitish is with us. What's going on, Nitish?

86.895 - 122.645 Nitish

Hey, folks. Thanks for taking the call. Sure. And I appreciate your sentiments on LA Fire. Right now, I have a question that my wife and I bought a house worth around 2.5 million. And we have another house which is worth around 1.3 million. And it has 500K remaining. We have rented it out. It's around $4,000 per month. So, um, our salary is around, um, 900,000.

123.626 - 157.08 Nitish

Um, uh, and, uh, yeah, so we were just kind of concerned, uh, um, whether to kind of keep the rental property, uh, or sell it off. Um, the rental is coming like pretty nicely. Like it's around, um, 4,500, which is kind of like covering all the mortgages and, uh, any other insurance and stuff like that. So I was just wondering what your thought is on that.

157.5 - 166.766 George Kamel

What is the mortgage on your current home? Uh, it's around 2 million. Okay. So you've got two and a half million. Do you have any other debt outside of these two mortgages?

169.473 - 173.097 Nitish

Just a car loan, maybe $40,000. Okay.

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