'You Don't Want To Be An 80-Year-Old Uber Driver,' Ramsey Warns As A 46-Year-Old Caller Has $110K In Loans While Her Husband Juggles 22 Credit Cards

Benzinga_recent_news01-08

A long-delayed financial plan began collapsing when a 46-year-old realized her debt hadn't shrunk with time — it had quietly grown alongside it. Christy, calling from Louisville, Kentucky, contacted "...

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She said years spent raising children on a tight budget pushed long-term plans aside, and those choices were now colliding with middle age.\"We're robbing Peter to pay Paul and robbing Paul to pay Mary,\" Christy said, describing how money moves through their household.Christy said she and her husband reviewed their finances and learned he had 22 credit cards with balances totaling $18,000. Personal finance expert Dave Ramsey said repeated borrowing often lines up with money shortages, even when a budget is in place.\"You can't borrow your way out of debt,\" he said, pushing back on her husband's plan to delay action and take out a consolidation loan after the ho","collect":0,"end_time":0,"defaultTopTitle":"benzinga.com","property":[],"viewcount":null,"language":"en","relate_stocks":{"BK4503":"景林资产持仓","IE0002270589.USD":"LEGG MASON CLEARBRIDGE VALUE \"A\" (USD) INC","BK4585":"ETF&股票定投概念","LU1064131342.USD":"Fullerton Lux Funds - Global Absolute Alpha A Acc USD","BK4536":"外卖概念","BK4022":"陆运","LU1988902786.USD":"FULLERTON LUX FUNDS GLOBAL ABSOLUTE ALPHA \"I\" (USD) ACC","IE00B7SZLL34.SGD":"Legg Mason ClearBridge - Value A Acc SGD-H","LU0642271901.SGD":"Janus Henderson Horizon Global Technology Leaders A2 SGD-H","BK4230":"旅客陆运","BK4505":"高瓴资本持仓","SG9999015945.SGD":"LionGlobal Disruptive Innovation Fund A SGD","BK4535":"淡马锡持仓","LU0127658192.USD":"EASTSPRING INVESTMENTS GLOBAL TECHNOLOGY \"A\" (USD) ACC","LU1983260115.SGD":"Janus Henderson Horizon Global Sustainable Equity A2 SGD-H","LU0082616367.USD":"摩根大通美国科技A（dist）","LU2097829019.USD":"AZ EQUITY - BORLETTI GLOBAL LIFESTYLE \"AI\" (USD) ACC","SG9999015986.USD":"LIONGLOBAL DISRUPTIVE INNOVATION \"I\" (USD) ACC","LU0006306889.USD":"SCHRODER ISF US LARGE CAP \"A\" (USD) INC AV","LU0719512351.SGD":"JPMorgan Funds - US Technology A (acc) SGD","SG9999017495.SGD":"UGDP UNITED GLOBAL QUALITY GROWTH \"B\" (SGD) ACC","IE00BZ199S13.USD":"BNY MELLON MOBILITY INNOVATION \"B\" (USD) ACC","LU1861214812.USD":"Blackrock Future of Transport A2 USD","LU0353189680.USD":"富国美国全盘成长基金Cl A Acc","LU2087625088.SGD":"ALLSPRING  US ALL CAP GROWTH \"A\" (SGDHDG) ACC","SGXZ81514606.USD":"大华环球创新基金A Acc USD","LU1814569148.SGD":"WELLINGTON GLOBAL QUALITY GROWTH \"D\" (SGDHDG) ACC","LU1861219969.SGD":"Blackrock Future of Transport A2 SGD-H","SG9999014898.SGD":"United Global Quality Growth Fund Dis SGD","SG9999014914.USD":"UNITED GLOBAL QUALITY GROWTH (USDHDG) INC","SG9999018865.SGD":"United Global Quality Growth Fd Cl Dist SGD-H","BK4551":"寇图资本持仓","BK4588":"碎股","LU2237957902.USD":"NIKKO AM GLOBAL EQUITY \"F\" (USD) ACC","LU0106261372.USD":"SCHRODER ISF US LARGE CAP \"A\" ACC","LU2360107325.USD":"BGF FUTURE OF TRANSPORT \"A4\" (USD) INC","SG9999015952.SGD":"LIONGLOBAL DISRUPTIVE INNOVATION \"I\" (SGD) ACC","SGXZ99366536.SGD":"United Global Innovation A Acc SGD-H","IE00B19Z3581.USD":"Legg Mason ClearBridge - Value A Acc USD","LU0353189763.USD":"ALLSPRING  US ALL CAP GROWTH FUND \"I\" (USD) ACC","LU2237957811.SGD":"NIKKO AM GLOBAL EQUITY \"F\" (SGD) ACC","LU2264538146.SGD":"Fullerton Lux Funds - Global Absolute Alpha A Acc SGD","GB00BDT5M118.USD":"天利环球扩展Alpha基金A Acc","SG9999014906.USD":"大华全球优质成长基金Acc USD","SG9999014880.SGD":"大华全球优质成长基金Acc SGD","IE00BFMHRM44.USD":"NEUBERGER BERMAN GLOBAL EQUITY MEGATRENDS \"A\" (USD) ACC","SGXZ31699556.SGD":"UGDP UNITED GLOBAL QUALITY GROWTH \"C\" (SGDHDG) ACC","SG9999015978.USD":"利安颠覆性创新基金A","LU1316542783.SGD":"Janus Henderson Horizon Global Technology Leaders A2 SGD","UBER":"优步"},"translate_title":"拉姆齐警告说，“你不想成为一名80岁的Uber司机”，一名46岁的来电者拥有11万美元的贷款，而她的丈夫则同时处理22张信用卡","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"UBER":1.5},"content_text":"A long-delayed financial plan began collapsing when a 46-year-old realized her debt hadn't shrunk with time — it had quietly grown alongside it.\nChristy, calling from Louisville, Kentucky, contacted \"The Ramsey Show\" while carrying about $110,000 in student loan debt and managing a household strained by credit cards and gig income. She said years spent raising children on a tight budget pushed long-term plans aside, and those choices were now colliding with middle age.\n\"We're robbing Peter to pay Paul and robbing Paul to pay Mary,\" Christy said, describing how money moves through their household.\nDon't Miss:\nChristy said she and her husband reviewed their finances and learned he had 22 credit cards with balances totaling $18,000. Personal finance expert Dave Ramsey said repeated borrowing often lines up with money shortages, even when a budget is in place.\n\"You can't borrow your way out of debt,\" he said, pushing back on her husband's plan to delay action and take out a consolidation loan after the holidays.\nChristy said the credit cards were still being used, including a recent charge for a replacement car battery.\nTrending: Americans With a Financial Plan Can 4X Their Wealth — Get Your Personalized Plan from a CFP Pro\nRamsey asked about income. Christy said she earns about $33,000 a year working in customer service. She added that her husband earns income through DoorDash and works five to six days a week. Ramsey said gig-driving income is gross pay and can be reduced by taxes, fuel, and vehicle wear.\nChristy said she has $110,000 in student loan debt tied to a psychology and counseling degree completed more than a decade earlier. She added that job opportunities in her local area are limited without earning a master's degree.\nSee Also: Have $100k+ to invest? Charlie Munger says that's the toughest milestone — don't stall now. Get matched with a fiduciary advisor and keep building\n\"You can side hustle until you're blue in the face,\" co-host Jade Warshaw said, stressing that income levels matter when addressing large debt balances.\nRamsey said Christy's husband was approaching 50, an age he said is often associated with higher earnings during working years. He also said the household income comes from customer service work and gig driving while student loan and credit card balances remain.\n\"You don't want to be an 80-year-old Uber driver,\" Ramsey said.\nRead Next: An EA Co-Founder Shapes This VC Backed Marketplace—Now You Can Invest in Gaming's Next Big Platform Before the Raise Ends 1/19\nImage: Shutterstock","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"0","news_tag":"","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":true,"tenantId":"TBGLOBAL","deviceId":"web-server-community-laohu8-v3","version":"4.36.0","shortVersion":"4.36.0","platform":"web","vendor":"web","appName":"ttm","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2601386942","isCrawlerRequest":true}