📈 Are you on track with the Baby Steps? Get a Free Personalized Plan ✅ Help us make the show better by taking this short survey! While the show hosts are on the Ramsey Cruise for the week, we've compiled some of our favorite George and John calls from 2024. Enjoy your weekend and we'll be back with a live show soon! George Kamel & John Delony answer your questions and discuss: ‘I have $160K of debt, file for bankruptcy?.’ 'How do I stop giving to my ex-daughter-in-law?’ ‘How do I get my wife to spend less?’ ‘Can we trust the Dollar for the next 30 years?' ‘Is it wrong to work in an industry that sells debt?’ 'How do I buy a property with my adult kids?' Support Our Sponsors: 🌱 Get 10% off your first month of BetterHelp 🏥 Learn more about Christian Healthcare Ministries 🏡 Get started today with Churchill Mortgage 🔒 Get 20% off when you join DeleteMe 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle! 🥗 Save 15% on your first Field of Greens order with code RAMSEY ⛨ Find top Health Insurance Plans at Health Trust Financial 💸 To find out more about student loan refinancing, check out Laurel Road 💻 Visit NetSuite today to learn more 🗂️ Use promo code RAMSEY for 18% off at The Nokbox 🎥 Get your tickets for The Chosen Season 5! 💵 Learn more about Timothy Plan 🏛 Get started with YRefy or call 844-2-RAMSEY 🔐 Visit Zander Insurance for your free instant quote today! Next Steps 📱 Watch the full episode for free in the Ramsey Network app. 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🤓 File your taxes with 100% accurate software that’s 20% of the price. 🎟️ See Dave Ramsey and Dr. John Delony LIVE in a city near you. 💵 Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network 🎙️ The Ramsey Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💰 George Kamel 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
Full Episode
Hey guys, it's James Childs, producer of The Ramsey Show. Hey, this week Dave and the personalities are living it up on the Ramsey Cruise, so we've put together a compilation of some of our favorite calls and segments from the last year. Regular shows are back next week. Hope you enjoy.
What up? What up? This is the Ramsey Show. I'm John Deloney joined by the great George Camel. Live from Nashville, Tennessee, we are taking your calls on your money, building wealth, doing work that you love, and creating and sustaining and hanging on to great relationships. So glad that you're with us today. We're taking live calls, 888-825-5225. It's 888-825-5225.
We have a packed house out here in the audience. Good to see everybody coming to visit us here in, actually we're in Franklin, just north of Nashville. But we are glad you are with us as well. Let's go out to Milwaukee. No, no, no, no. Let's go out to Dallas. Detone and talk to Cyrus. Hey, Cyrus, what's up, man? Hello, how you doing? Doing outstanding, my man. What's up?
So, yes, I am 26. I have $160,000 worth of debt, and I am wondering if I should file for Chapter 7 bankruptcy.
Why did you jump to that conclusion? What makes you think you can't crawl out of this?
Well, um, I've been working a lot, two jobs, um, constantly, um, not really able to get anywhere. Um, recently about a year ago, I caught a case, um, for a felony charge and, um, I am still going on actively with that case, trying to get probation. Um, so it's been very difficult for me to find another job now that my background check has shown a felony charge. So what are you doing now for work?
Yeah. So I'm working on Amazon. I'm making about $4,100 a month at a minimum. I can potentially make more depending on if they allow me to get overtime or work a six day. I'm working five days there as of right now. Last year I made $60,000 off of it. I'm off of Amazon alone. But I'm just... like drowning right now with payments.
And, um, I did, um, I rounded up all my minimum payments for all my loans and everything. And, um, my minimum is $5,300 a month. And that's just on minimum payments. That's not including food or, um, or rent or anything else. How have you made it so far?
What's getting you through every month if you're going underwater?
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