Tammy
Appearances
The Ramsey Show
If You Live Fake Rich, You Will Become Real Broke!
Yeah, and then I'll follow your plan of 25% of my income. That would be nice. That's right.
The Ramsey Show
If You Live Fake Rich, You Will Become Real Broke!
Um, that's complicated. Our company is going through a lot of changes, so I'm not sure.
The Ramsey Show
If You Live Fake Rich, You Will Become Real Broke!
I have started looking. I'm a loyalist, so we'll see. But maybe it is time. Maybe I need to dig into that further.
The Ramsey Show
If You Live Fake Rich, You Will Become Real Broke!
No, I just graduated, so I think I could leverage that.
The Ramsey Show
If You Live Fake Rich, You Will Become Real Broke!
Hi guys. Thanks for taking my call. I am 34 and I had a couple of houses. I went through a nasty divorce a couple of years ago, bought a house, sold it and bought this one. And this is where I'm in a little bit of trouble. I bought this house debt free. So I had a paid off car. I did put 20% down. I thought I was in good shape. Yeah.
The Ramsey Show
If You Live Fake Rich, You Will Become Real Broke!
Until one thing after another kind of broke and I was fixing things. And now that I've been watching you guys for the last six months, I know that I should not have taken this large of a mortgage because it's about half of my income.
The Ramsey Show
If You Live Fake Rich, You Will Become Real Broke!
Sure. So I have a few jobs now. So my first income is about $4,000 a month. That's my primary job. And I see that keep going up and I'm trying to get promotions and doing well. And then I also bartend on the side. So that helps. Um, and then I'm about to start doing taxes on the side. So coming up here, I'll hopefully. Okay.
The Ramsey Show
If You Live Fake Rich, You Will Become Real Broke!
Um, about 400, 500. I try to be conservative with that number.
The Ramsey Show
If You Live Fake Rich, You Will Become Real Broke!
I'm wondering if I should sell my house because it is a lot or if I just keep hustling because what it did was it put me into debt. I was also paying for school and I made the mistake of putting that on my credit card.
The Ramsey Show
If You Live Fake Rich, You Will Become Real Broke!
Is that all credit cards? One is a personal loan and the rest is credit card.
The Ramsey Show
If You Live Fake Rich, You Will Become Real Broke!
Um, I just hit two years, uh, last summer, so I'm good on the capital gain side.
The Ramsey Show
If You Live Fake Rich, You Will Become Real Broke!
It did. I live in a crazy area. Okay. I'm more in the suburbs. Yeah. But it definitely did, and I put a lot down, and I think that might have been another thing. Yeah, that's true.
The Ramsey Show
If You Live Fake Rich, You Will Become Real Broke!
I kind of assumed it'd be around that $100,000 just because of real estate.
The Ramsey Show
If You Live Fake Rich, You Will Become Real Broke!
Yeah. I mean, I've paid off like $5,000 in the last six months ever since following your baby steps, which is great, but I don't know if it's enough. Right, right. And I don't want to work 80 hours a week. Yes, totally, totally.