Cyrus
Appearances
Fantastische Wissenschaftlichkeit – Der Podcast
FW#51: I broke IKEA, H wie Hydroponischer Garten, A.V. Club
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Fantastische Wissenschaftlichkeit – Der Podcast
FW#51: I broke IKEA, H wie Hydroponischer Garten, A.V. Club
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Fantastische Wissenschaftlichkeit – Der Podcast
FW#51: I broke IKEA, H wie Hydroponischer Garten, A.V. Club
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Fantastische Wissenschaftlichkeit – Der Podcast
FW#51: I broke IKEA, H wie Hydroponischer Garten, A.V. Club
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Fantastische Wissenschaftlichkeit – Der Podcast
FW#51: I broke IKEA, H wie Hydroponischer Garten, A.V. Club
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Fantastische Wissenschaftlichkeit – Der Podcast
FW#51: I broke IKEA, H wie Hydroponischer Garten, A.V. Club
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The Ramsey Show
Stop Letting Other People's Problems Ruin Your Finances
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.
The Ramsey Show
Stop Letting Other People's Problems Ruin Your Finances
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?
The Ramsey Show
Stop Letting Other People's Problems Ruin Your Finances
So, how did I make it so far? Well, I've been doing... Are you going further into debt every month? No, no. So, I'm tapped out. I can't even get the debt consolidation loan. My credit is shot.
The Ramsey Show
Stop Letting Other People's Problems Ruin Your Finances
Yeah. Yeah, it's a Tesla Model Y Performer.
The Ramsey Show
Stop Letting Other People's Problems Ruin Your Finances
What's it worth? Yeah. Not $51,000.
The Ramsey Show
Stop Letting Other People's Problems Ruin Your Finances
What else? I have nine credit cards that are total of $55,000 with the debt on that.
The Ramsey Show
Stop Letting Other People's Problems Ruin Your Finances
the rest of my loans, which is 98,000, which is three personal loans and then my auto loan.
The Ramsey Show
Stop Letting Other People's Problems Ruin Your Finances
Um, no. So total with the car, it's 98. So it would be another like 40 in personal.
The Ramsey Show
Stop Letting Other People's Problems Ruin Your Finances
Yeah. To make a long story short. Um, I, I, I, as I mentioned, I had a three year old daughter. I got in, I was in a relationship with this woman. Um, Basically, she was unfaithful to me. We broke up. Ever since then, I've been trying to honestly repair our relationship for our child and also because, you know, it's a woman that I love and care about.
The Ramsey Show
Stop Letting Other People's Problems Ruin Your Finances
Well, long story short, it's been years of nonstop taking on her debts and
The Ramsey Show
Stop Letting Other People's Problems Ruin Your Finances
you know paying you know for food and basically basically living like two households the whole time um and yeah basically just so she's been scamming you for this i mean she's been just leeching off you all this time huh yes yes and now you know recently i got you know we you know uh i moved we basically broke up again and i'm left with all this and i just i
The Ramsey Show
Stop Letting Other People's Problems Ruin Your Finances
She doesn't want to make it work, and I've been continuing trying to make it work for my child, and this is where I'm at now. Making it work for your child is different than digging a $150,000, $160,000 hole trying to impress a girl.
The Ramsey Show
Stop Letting Other People's Problems Ruin Your Finances
So it was, she had a guy in my apartment for the second time.
The Ramsey Show
Stop Letting Other People's Problems Ruin Your Finances
Are you living alone right now? So I was going back between my parents and her. I was in my car for a month. Last month I was in for a whole month just because I couldn't go back to either one. So now I am back with my parents. They, you know, they stopped drinking supposedly. So I'm there for now. And this is another reason why I was thinking about bankruptcy, just because I have a case going on.
The Ramsey Show
Stop Letting Other People's Problems Ruin Your Finances
I'm unstable household. You know, I can't rely on nobody right now. I'm a worker. I like, you know, two years ago I made money.
The Ramsey Show
Stop Letting Other People's Problems Ruin Your Finances
Yeah. The problem I have is I've been applying for jobs in my record with the felony charge.
The Ramsey Show
Stop Letting Other People's Problems Ruin Your Finances
So, yes, I am 26. I have $160,000 worth of debt, and I am wondering if I should file for Chapter 7 bankruptcy.
The Ramsey Show
Stop Letting Other People's Problems Ruin Your Finances
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?