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Full Episode
From the Ramsey Network, it's the Ramsey Show. I'm Jade Warshaw. Next to me, my good buddy, Dr. John Deloney.
What up?
We're taking your calls all hour long. Your life, your money, your relationships, your career, all of it. We'll talk about it. The call is a free call. 888-825-5225 is what gets you on. Remember, this is a live show and we want to hear from you. All right, John, let's go straight to the phone lines. We got Nicholas, Boston, Massachusetts. What's going on, Nick? How are you? Doing good.
How can we help?
So, yeah, I just wanted to, you know, first, I appreciate you guys, you know, putting me on. But I wanted to just kind of, you know, put my situation out there. In 2020, I'm a small business owner. In 2020, we had a great year. We're a fence installation company. We were doing really, really great around the time 2020 into 2021. At that time, my wife had an affair.
I was working probably 50 to 60 hours a week just because I had to keep up with the demand for the business at the time. After that, you know, that hit me mentally. And going into a divorce process, it killed me financially. And I've just not been able to recover. It's just been a tough few years. The business, since that, it was kind of like almost like a peak period.
in 2020 into 2021 with the work the business slowed down after I don't know if it's partially due to the economy or or just my state in general of you know pushing forward lack of funds for the business and so on but just been a struggle since since that time so man sorry brother No, it's all right. And, and, you know, with, um, you know, pre-divorce around 2020, I had six figures in the bank.
I only had my mortgage, um, which is 1400, which in Massachusetts is, you can't even rent for 1400 is just nothing for the more the mortgage is nothing. Uh, at the time it was 1250, but during the divorce, I had a refinance. So it went up to almost 1500. But, I mean, all my money got drained. She spent $72,000 in 2020, the year of the divorce.
She just kind of drained the accounts and left me with that. And then the tax liability, I'm in huge tax troubles. I owe six figures to the government and then $30,000 to the state. And I'm just kind of lost.
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