Dave Ramsey tells homeless, unemployed Ohio man with $14K debt there’s no point declaring bankruptcy. Here’s why

Toby called into The Ramsey Show from Ohio, laying his problems on the line. He’s homeless, unemployed and saddled with $14,000 in debt of which nearly half is a car loan. Even his car’s “broke.” He ...
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Dave Ramsey: “You Can’t Put $2,500 Away Because You Got $86,000 in Debt Sucking the Bone Marrow Out of Your Life”

A couple approaching 40 with $86,000 in debt and a $200,000 household income called into The Dave Ramsey Show in March 2026 asking a question that reveals a common panic response to late-start ...
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Surprisingly, Dave Ramsey Tells 40-Year-Old Couple With $86,000 Debt They’ll “Still Become Multimillionaires”

A caller on a March 2026 episode of The Dave Ramsey Show asked whether her nearly-40-year-old husband should invest more than 15% of their income given their late start on retirement savings. The ...

Texas woman cosigned a $10K bike loan for ex who vanished — and now debt collectors are calling. How Ramsey Show hosts say she can protect her credit

When cosigning a loan, always be prepared for the worst-case scenario.
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Dave Ramsey tells homeless, unemployed Ohio man with $14K debt that there’s no point declaring bankruptcy. Why his money problems are just symptoms

This article adheres to strict editorial standards. Some or all links may be monetized. Toby called into The Ramsey Show from Ohio, laying his problems on the line. He’s homeless, unemployed and ...