Antoinette (Caller)
First-time caller to The Ramsey Show seeking financial advice about being 61 with no retirement savings and wanting to become a first-time homeowner; shares detailed personal financial information about debt and recent vehicle purchase.
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Dec 9, 2025 • 11min
I'm 61 With No Retirement
Antoinette, a first-time caller, shares her pressing financial dilemma at 61—no retirement savings and a desire for homeownership. The hosts guide her through her substantial debt, suggesting she sell her expensive minivan to ease negative equity. They emphasize the importance of documenting her financial situation and exploring employer retirement plans. With advice on cash flow management and the benefits of opting for a low-cost car, the conversation highlights the tough choices necessary for achieving her retirement dreams.
