The Ramsey Show Highlights I Can Barely Keep My Head Above Water
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Dec 6, 2025 Hannah, a single mother and nurse, calls in to discuss her overwhelming financial situation after a recent divorce. She details the hefty debts she now faces and the challenges of custody. The hosts guide her through understanding which debts are legally hers, stressing the importance of prioritizing essentials in her budget. They suggest she replace her unhelpful attorney and explore options to refinance her significant car payment. With a strong monthly income, they help her strategize ways to regain financial control.
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Divorce Dumped Massive Debts On Her
- Hannah described being recently divorced, left with two small children and massive joint debts from her ex-husband's failed ventures.
- She detailed $40k business loans, $40k student loans, a $60k car, and being court-ordered support that her ex isn't paying.
Prioritize Court-Assigned Debts And Essentials
- The hosts advised focusing only on debts legally assigned to her now, like the student loan and car, since some matters require court enforcement.
- They recommended reorganizing the budget to cover four walls, daycare, then start a debt snowball for remaining debts.
Replace Ineffective Counsel And Enforce Orders
- If her attorney isn't helpful, find a new one who will enforce the divorce decree and pursue refinancing to remove her name.
- Use court action to force her ex to refinance obligations that were assigned to him but remain in her name.