Caller (Guest)

Listener calling the show seeking help with household finances; reports earning about $200,000 pre-tax, carrying roughly $100,000 of consumer debt, and describes living paycheck-to-paycheck while financing home renovations and multiple vehicles.

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Jan 11, 2026 • 10min

He Makes $200,000 But Still Has To Live Paycheck-To-Paycheck

A caller, earning $200,000 annually, seeks advice as he struggles to live paycheck-to-paycheck due to $100,000 in consumer debt from lifestyle choices and home renovations. He details his financial pressures, including a hefty $4,500 monthly mortgage. Dave Ramsey advises him to focus on his base pay, use bonuses to tackle debt aggressively, and consider radical changes like selling cars and cutting unnecessary expenses. The conversation revolves around creating a structured budget while making sacrifices to regain financial control.

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