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The Ramsey Show

Normal Is Comfortable, but Comfort Doesn’t Build Wealth

31 Mar 2025

Transcription

Chapter 1: How can I get out of business debt?

14.193 - 44.755 Dave Ramsey

Live from the headquarters of Ramsey Solutions, it's the Ramsey Show, where we help people build wealth, do work that they love, and create actual amazing relationships. I'm Dave Ramsey, your host, Jay Boshaw. Ramsey Personality is my co-host today. Open phones here at 888-825-5225. The call is free, and some say the advice is worth exactly what you pay for it.

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45.255 - 48.077 Dave Ramsey

Vinny starts this hour in New York City. Hi, Vinny. How are you?

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49.258 - 50.539 Caller

Hey, how are you? Pretty good.

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50.919 - 51.86 Dave Ramsey

Good. How can we help?

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53.401 - 81.535 Caller

So I'm looking to get advice. I have a small business. I have about $95,000 in debt, um, in our business and we've made good money in sales, but every time I feel like I make money, all of my profit just goes to my credit cards and I never see anything. And it's just very frustrating cause I make two steps forward, one step back, if that makes sense.

81.575 - 95.722 Caller

So I'm trying to see what I can do to get my debt down. Um, I also have a small, Small debts in the personal, because I'm also looking, I want to buy a house next year as well. So that's what I need help with.

96.182 - 108.307 Dave Ramsey

Okay. Well, bad news, you're not going to buy a house next year because you're going to be getting out of debt. Yeah. You can't do both of these things. Right. So you financed the start of your business on credit cards?

110.228 - 112.428 Caller

No. No, so we've been in business.

112.448 - 116.45 Dave Ramsey

You said you had business debt, and then you said credit cards were taking all your money. That's where I got that.

Chapter 6: What are the risks of relying on credit cards for business?

2342.779 - 2343.159 Jade Warshaw

Thank you.

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2370 - 2370.26 Dave Ramsey

Thank you.

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2389.338 - 2402.305 Jade Warshaw

Thank you. Thank you.

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2431.932 - 2432.353 Narrator

Thank you.

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2455.137 - 2455.437 Unknown

Thank you.

2473.396 - 2473.696 Dave Ramsey

Thank you.

2500.93 - 2614.842 Unknown

Thank you. Thank you. , Thank you.

2637.671 - 2637.931 Jade Warshaw

Thank you.

2664.025 - 2664.565 Unknown

Thank you.

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