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OK let's go to Cheryl in San Antonio has -- welcome to the -- Ramsey Asia.
And here I Hank hey what's up.
-- -- Struggling really bad financially and peeling -- crap.
I'm hoping you can kind of -- me in a different direction.
We did not have some about the -- but actually at about 95000.
Annual household income to about 55.
And credit card debt.
Forty haven't been my name.
Think that vehicle we chemical -- How much she'll never be -- -- level or am I -- how much do you go on the the vehicles.
I'm about thirty cute total one a -- -- all paid up that.
They -- big one -- 27.
And then at 700 dollars a month.
And then found only on the car broke it big yet -- that'll be paid off you know and I got you.
My husband had a stroke.
Three years ago and he was able to actually go back to work ethic the critical employer at the time.
I'll let you get spectacular let me look at struggling and you kind of regret saying -- -- his cognitive memory in.
Concentration anything like that hit the you know like they accuse him of being your own you know -- -- like I I knew that -- hit the and it's really hard to understand -- -- -- point 5% or so you -- his right hand so how does he.
Yeah I can't help but you may get shot you know he'll get interviewed and he doesn't get hired you got -- -- that you know amazing.
You've been doing the same thing for years.
But -- he does what but as he gets stressed forgets fatigue did just that he slows as motor skills down.
-- yeah yeah yeah I mean by noon.
He's really struggling to walk -- talk.
So is is they really not any more than ninety to 55 you make 55 and that's what he used to make and he's an unemployed right now.
That's correct that he is getting unemployment what you're trying to you know keep and I could not that a vote water you can.
One that -- doubt.
I'm not you know who could get scary you know our government really know what he what he can -- I'm confident we're not gonna get back up 95.
I'm not I think you're gonna get higher than that but I'll take you there in a minute first let's deal with the other stuff are you current on your home.
Good good sell the stupid car.
And that's another thing out and I'll borrow the different theory -- thank you borrow the difference.
Okay you're in the hole right.
Yes and we have -- -- -- -- opportunity.
-- slept with my stepfather and mother.
They offered to look like that vehicle.
Or what -- look at what they don't do they buy you know they have old vehicles that are paid off big break -- by the truck.
I caught them -- but you know they're older you know 200000 -- vehicle basically what you're amazingly giving you a gift.
Yes and then I you don't get it growing ten grand caterpillar up like outlook stable cricket that trap and it'll be articulate what we want -- I think that is helping them.
I think that is awesome I would kiss them on the lips and take the deal.
-- empathy here that.
You know hit six months from now I I think and I -- bankrupt it and they wouldn't have had to do that.
-- honey you're not bankrupt.
-- attacked you are going to be if you don't make some of these moves well.
-- And if you file bankruptcy than -- it's okay they gave you and Brandon and laughs okay you're you're gonna be okay.
-- you -- you got -- a credit Baghdad and you need to take care house payments first or other food first like some water second house payments third.
Get the little 5000 dollar car paid off drop the beater that they're gonna give you -- trade on this thing right.
And and if you start doing it written but -- -- 55000 dollars and -- -- called me up and you didn't have all of this history of emotional process to get to where you are.
And you've had a legitimate tragedy in your home I give you that okay.
When -- -- if you hadn't had that and that simple math was there nothing but 45000 dollars in credit card debt a thousand dollar house payment.
Making 55 can someone pay that off the answer is yes.
They're gonna take extra jobs they're gonna have garage sales are gonna do everything they can't get there and come up now what's your husband needs to do because he has.
Tremendous skills but he needs to set its own calendar he's got to start his own business.
Yet we hit that we've got a map out right now.
Earthy woman -- empathetic in his -- alert.
That would be ultimate down why would you need an -- I'm past that start your own business.
I thought that would be kind of big print up a little -- -- but you don't wanna be you know him you wanna be self employed needs to control his calendar.
And he needs to work a half a day -- -- the other half.
-- -- Well he can if he's his own boss and his own home inspector.
And that's what he needs -- -- you need to go to the website 48 days dot com which is Dan -- website read everything this guy has written.
I'm going to send you his book no more Monday's.
-- need to get all of his self employed entrepreneurial business start up materials read everything you can get your hands on -- written on that.
And anybody else for that matter.
And your husband needs to start his own business.
-- -- to ever interview with anybody again.
He's got -- he's got all kinds of talent he's got a great set of skills he needs to use -- and the stroke just changes his appearance in the way he approaches things and he may have to shut down -- three -- -- half day.
And he can control that and that he can go back to make and what he was making or -- war.
If he gets its business rolling and there's all kinds of things you can do along those lines and that's where I would take so -- -- on -- gonna pick up Russian your copy of that.
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