Gene
Appearances
The Ramsey Show
It’s Never Too Late to Start Building Wealth
That's one of my problems that I have. Hold on, hold on. I have too much of a heart.
The Ramsey Show
It’s Never Too Late to Start Building Wealth
No, I will never let this happen again.
The Ramsey Show
It’s Never Too Late to Start Building Wealth
For my own car or the one I co-signed for?
The Ramsey Show
It’s Never Too Late to Start Building Wealth
It's like, I think it's like $30,000 in value.
The Ramsey Show
It’s Never Too Late to Start Building Wealth
Well, here's the thing. She's still making the payments, even though they're late payments, but she's still making the payments, which is the part that confuses me here. And I get the feeling that she's, I suspect that she's using my money to make the payments on the car.
The Ramsey Show
It’s Never Too Late to Start Building Wealth
I cut off all communication. I couldn't take it no more. She's a weirdo. She is a narcissist, okay?
The Ramsey Show
It’s Never Too Late to Start Building Wealth
If she were to refinance it, she's not going to be able to do it until July of this year because I co-signed for the car last year in July. And at CarMax, you have to wait a year to refinance the car.
The Ramsey Show
It’s Never Too Late to Start Building Wealth
Yeah, she didn't have good credit, which is why I helped co-sign for the car in the first place.
The Ramsey Show
It’s Never Too Late to Start Building Wealth
It might be 12%. I'm not sure. I have to call about it.
The Ramsey Show
It’s Never Too Late to Start Building Wealth
Yeah, I have an issue that I've been dealing with for the past few months. Okay, I recently got scammed by someone that I thought was a friend. And it's a very complex story. It's kind of hard to explain. I don't know if I have enough time to explain it.
The Ramsey Show
It’s Never Too Late to Start Building Wealth
Okay, well, this started in California before I moved back to Florida. There's two different parts to this story.
The Ramsey Show
It’s Never Too Late to Start Building Wealth
I sent her money to help with her lymphedema surgery that she was supposed to get, but she never did it. She kept making excuses on why she can't get the surgery and all this stuff. And then the other part was co-signing a car for her, which I co-signed a car for her before I left to come back to Florida. The money part was after I came back to Florida.
The Ramsey Show
It’s Never Too Late to Start Building Wealth
I sent it through Cash App and Apple Cash. Okay, and how much did you send? It was somewhere between $30,000 to $35,000. And you had this money in cash?
The Ramsey Show
It’s Never Too Late to Start Building Wealth
I didn't have it straight up cash in my bank account.
The Ramsey Show
It’s Never Too Late to Start Building Wealth
I was already in debt, but now I'm in more debt. I feel like the dumbest person in the world talking about this to anybody. No, you're good, man.
The Ramsey Show
It’s Never Too Late to Start Building Wealth
No, that's how much I lost. Okay. I owe way more in debt than that. I owe way more in debt than that. I have credit card debts, student loan debts. Yeah, you were in a bad situation before this.
The Ramsey Show
It’s Never Too Late to Start Building Wealth
Yeah, because I helped this person and they screwed me over.
The Ramsey Show
It’s Never Too Late to Start Building Wealth
I've been having a hard time doing that.
The Ramsey Show
It’s Never Too Late to Start Building Wealth
Of what I owe in, like, everything? Yes. Oh, I mean, it's a lot. I have to add it up.
The Ramsey Show
It’s Never Too Late to Start Building Wealth
I mean, if you add everything with what I owe on my car, to my credit card debt, to my student loan debt, to what I owe the IRS, it's like probably more than $100,000. Okay.
The Ramsey Show
It’s Never Too Late to Start Building Wealth
Right now, if I had to make a guess, like $40,000 a year. And what are you doing for work? For taxes, I work at FedEx.
The Ramsey Show
It’s Never Too Late to Start Building Wealth
Can you? I'm barely hanging on by a thin string. Okay. All right. And, you know, I was doing so – I wouldn't say I wasn't doing, like, really bad, but I had a little something going, okay? I was investing in crypto for, like, almost seven years, and all that's gone because I – I sacrificed and helped this person out, and they screwed me over. I was too trusting. I had too much of a heart.