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The Ramsey Show

You Can’t Outearn Bad Spending Habits Forever

26 Nov 2024

Description

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan 📱Watch the full episode for free in the Ramsey Network app. Dave Ramsey & Rachel Cruze answer your questions and discuss: "I hate my job and want to get out of debt," "What's the benefit of using an escrow account?" "I'm behind on my credit card payments," "How do I get my kids off my payroll?" "Should I invest in real estate?" 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 💤 Visit Helix Sleep for special offers! 💻 Visit NetSuite today to learn more 🗂️ Use promo code RAMSEY for 18% off at The Nokbox 🏛 Get started with YRefy or call 844-2-RAMSEY 🔐 Visit Zander Insurance for your free instant quote today! Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🎟️ See Dave and John LIVE in a city near you! 💵 Start your free budget today. Download the EveryDollar app! 🛒 Black Friday deals are here! Get meaningful gifts for as low as $8! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 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

Audio
Transcription

Full Episode

14.818 - 47.119 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. Rachel Cruz, number one best-selling author, Ramsey personality, my daughter, is my co-host today. Open phones at 888-825-5225. Elena is in Huntington, West Virginia. Hi, Elena, how are you?

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48.44 - 49.821 Elena

I'm doing good. How are you?

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50.081 - 52.283 Dave Ramsey

Better than I deserve. What's up in your world?

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54.206 - 81.988 Elena

So I've been watching you for a long time, for years now, and I have just saved my $1,000. Good. And I am also drowning in student debt, credit card, and my car loan. I do have a job. I make about $50,000. My debt is a little bit more, around $65,000. I hate my job, and I want to go to school, but I don't know if that's a good idea because of the amount of debt that I have.

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82.902 - 87.584 Elena

I'm trying to figure out what the best way is to get out of this mess, basically.

88.965 - 95.088 Dave Ramsey

What's your current job? What are you working that you're not enjoying? I work in property management.

95.248 - 96.629 Elena

I'm an assistant property manager.

97.049 - 106.774 Dave Ramsey

Okay. And is it the field that you're not enjoying or is it the specific company, do you think? Because you said you want to go back to school. I'm just curious what else is out there that you're thinking.

108.075 - 133.509 Elena

Yeah, so I think it's just the field. This is actually... a Christian-based company, which is super awesome. So I think it's just a field. I'm not happy here. It's just not fulfilling. I do love kids, so I've always wanted to pursue NICU nursing. But I graduated in Hawaii, and the diploma I got from there is not recognized. So I would have to go back to school for a GED and then go to college.

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