Sharon
Appearances
Health Chatter
Stereotypes & Labels
Um, or they feel like maybe they're not being told what they think they're, um, they should, they want to hear and think. So I think it's, that's really important.
The Ramsey Show
Keep Hustling: You Have Power Over Your Debt
Hi. Thank you guys for taking my call. So I'm in a bad situation that I can't really get out from under. I'm about $350,000 in debt. Mainly, I have really high car payments. I don't have the option to get a loan or anything, so I'm considering a voluntary repo or bankruptcy.
The Ramsey Show
Keep Hustling: You Have Power Over Your Debt
Okay, how much of that is the house? The house is $153,000.
The Ramsey Show
Keep Hustling: You Have Power Over Your Debt
So there's two cars. One was For my son, who obviously that didn't work out. So first car payment is $992. I owe about $49, and it's only worth about $23.
The Ramsey Show
Keep Hustling: You Have Power Over Your Debt
It's a 2023 Hyundai Santa Cruz. Interest rate is about 9%.
The Ramsey Show
Keep Hustling: You Have Power Over Your Debt
Uh, this was from Edmonds and some offers from like the car Mac. They gave me around 23.
The Ramsey Show
Keep Hustling: You Have Power Over Your Debt
The car is actually at 2023. I have absolutely no idea.
The Ramsey Show
Keep Hustling: You Have Power Over Your Debt
I believe that value was private sale. Well, maybe not private sale. Is it electric? I do have it listed, too. Is it an electric vehicle?
The Ramsey Show
Keep Hustling: You Have Power Over Your Debt
Honestly, I don't know. I purchased these two cars the same day and they did some fancy stuff.
The Ramsey Show
Keep Hustling: You Have Power Over Your Debt
He is 18. He no longer has possession of the car anymore. Who does? It's 782. My sister, who is helping with the payment.
The Ramsey Show
Keep Hustling: You Have Power Over Your Debt
This one, it told me around $12,000, but there's damage to it, so... I wouldn't think it would be too much higher.
The Ramsey Show
Keep Hustling: You Have Power Over Your Debt
It does run. It does work. There are a few mechanical things, but it's mostly just body damage. It was sideswiped.
The Ramsey Show
Keep Hustling: You Have Power Over Your Debt
He's only paying a little bit towards it, but yes, it is under money.
The Ramsey Show
Keep Hustling: You Have Power Over Your Debt
So it's about... Highly understand. My credit has tanked. There's been a series of unfortunate things that took place. So I don't actually have the ability to even get a loan at this point.
The Ramsey Show
Keep Hustling: You Have Power Over Your Debt
So the house is 150K. It's a duplex. I bought it for the sole purpose of having someone help me pay my mortgage. So I do have a tenant. Um, I have 80,000 in student loans. They're on the deferment.
The Ramsey Show
Keep Hustling: You Have Power Over Your Debt
Um, it wasn't 80,000 obviously when I graduated. Sure.
The Ramsey Show
Keep Hustling: You Have Power Over Your Debt
It's about 8,000 in credit cards, 18 in personal loans, another 10 to 12 in medical, um, I recently started working with a nonprofit debt management company and they're handling that, but that's also a very high payment.
The Ramsey Show
Keep Hustling: You Have Power Over Your Debt
I make about, 75 to 86 with bonuses at my job. I work more than full time.
The Ramsey Show
Keep Hustling: You Have Power Over Your Debt
Monthly, I'm at about, do you want take home or gross? Take home. Take home is $52.56.
The Ramsey Show
Keep Hustling: You Have Power Over Your Debt
I don't know. I think the last time I checked, it was like 205.
The Ramsey Show
A Large Income Won’t Protect You From Debt
Привет, ребята, спасибо, что пригласили меня.
The Ramsey Show
A Large Income Won’t Protect You From Debt
Я 19-летний колледжный студент в Миссисипи, но я также хозяйка бизнеса. Это мой второй год в колледже. Я в коммунистическом колледже в моем местном городе. И я пытаюсь решить, если я хочу уйти и получать 4-летний диплом от университета, или я должен остаться дома и продолжать работать на моем бизнесе.
The Ramsey Show
A Large Income Won’t Protect You From Debt
У меня есть компания Landscape, которая начиналась как сайд-модель. Когда я начал ездить в 16-м году, я купил пуш-модель из Home Depot и начинал мотать деревья. Спасибо тебе, Коннор. Через время все стало больше и больше. Сейчас у нас есть три полного работника и я. Сколько ты делаешь за месяц?
The Ramsey Show
A Large Income Won’t Protect You From Debt
Ну, это зависит, конечно, в зиму мы не делаем так много, но сейчас мы делаем около, я скажу так, в прошлом году мы делали 40 тысяч в продаже. Что ты возьмешь домой? Я думаю, я буду, я имею в виду, я пытаюсь зарабатывать так много, как можно, я пытаюсь зарабатывать так много, как можно, потому что я молод, у меня нет денег, я живу в квартире, но
The Ramsey Show
A Large Income Won’t Protect You From Debt
Если бы мне это нужно было, я бы мог скинуть примерно 60 тысяч в год. Хорошо. Вопрос в том, что вы идете в колледж или работаете в бизнесе, который растет.
The Ramsey Show
A Large Income Won’t Protect You From Debt
Моя стратегия сейчас в бизнес-администрации, а не в архитектуре и так далее. Я не привязан к ландшафту, но я люблю работать с руками. Но что я больше люблю, это быть владельцем бизнеса. Я всегда был предпринимателем, с детства. Выходить в шоу, в одежду, покупать низкие вещи и продавать их в высоком уровне. Это всегда в моей крови.
The Ramsey Show
A Large Income Won’t Protect You From Debt
Да, у меня есть два ментора. Когда я начал свою собственную компанию, когда я был 15 лет, я работал с одним из моих хороших друзей. Его папа был в индустриальной индустрии. 30 лет, наверное. И он очень большой, и он не ходил в колледж. И он из сервера Джексона. И как Джексон в метро-ресторане вырос, он просто... Продолжение следует...