When You Don't Have Payments, You Have More Options

**Dave Ramsey** (0:04)
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Normal is broken, common sense is weird, so we're here to help you transform your life. From the Ramsey Network and the Fairwinds Credit Union Studio, this is The Ramsey Show. Rachel Cruze, Ramsey personality, number one best-selling author, co-host of Smart Money Happy Hour, and my daughter is my co-host today. So Rachel, we did that post, that silly thing you wanted to do with acting like we're doing a Netflix documentary or something.

**Rachel Cruze** (0:44)
Oh, yeah, we went and talked about that.

**Dave Ramsey** (0:47)
Things go bananas.
You were right. It's a big deal. Apparently, it's a trend to sit down in the chair and act like you're doing a documentary, right?

**Rachel Cruze** (0:55)
Yeah, exactly.

**Dave Ramsey** (0:55)
So we did it and it went on Instagram. It went crazy.

**Rachel Cruze** (0:58)
Yeah, it did well.

**Dave Ramsey** (0:59)
The numbers are nuts.

**Rachel Cruze** (1:00)
Like 1.3 million.

**Dave Ramsey** (1:01)
So yeah, they brought a million or something.

**Rachel Cruze** (1:03)
Yeah, over that.

**Dave Ramsey** (1:04)
Crazy. So some of them were saying they had read the comments and a huge number of people didn't realize you were my daughter.

**Rachel Cruze** (1:11)
Yes, there was a lot of like, well, today, I was today years old before I knew.

**Dave Ramsey** (1:14)
And a huge number of people don't know it's an ad and a trend.

**Rachel Cruze** (1:17)
Yes.

**Dave Ramsey** (1:17)
And they actually think there's going to be a Netflix documentary about being Dave Ramsey's daughter.

**Rachel Cruze** (1:23)
On Facebook.

**Dave Ramsey** (1:25)
There's not.

**Rachel Cruze** (1:26)
On Facebook specifically, a lot of people are like, oh no, I just canceled my Netflix membership. I'll miss it. And we had to go in and call them and be like, it's a joke.
It was just a trend on Instagram. Just a trend.

**SPEAKER_4** (1:38)
It's a funny thing to do.

**Rachel Cruze** (1:40)
I made Dave do it. Sometimes he's the anti-social media guy. He's our Boomer, our resident Boomer who we love. But we get to rope them in sometimes to some of the trends. And sometimes he says yes, sometimes he says no. But it was a good one. Yeah, it was funny.

**Dave Ramsey** (1:56)
Well, that one was fairly innocuous. It wasn't like you have to be a clown or something to do.

**Rachel Cruze** (2:01)
No.

**Dave Ramsey** (2:01)
We did one a thousand years ago. Do you remember when Twitter was Twitter back in the day? Was it the ice water challenge or whatever? You dump buckets of water on people?

**Rachel Cruze** (2:12)
Oh, that was for ALS.

**Dave Ramsey** (2:14)
For ALS. Yes. What was it called?

**Rachel Cruze** (2:18)
The ice bucket challenge.

**Dave Ramsey** (2:20)
Something like that. You dump buckets of ice on people and you would play them doing it on. And so we ended up having the fire department come over to the front of our building and our whole team got dumped.

**Rachel Cruze** (2:32)
Yeah.

**Dave Ramsey** (2:32)
Remember, they rained on us with stuff. That was a pretty good post.

**Rachel Cruze** (2:36)
And then you donate to...

**Dave Ramsey** (2:37)
That was a trend that I participated in.

**Rachel Cruze** (2:39)
That is fair. That was fair.

**Dave Ramsey** (2:41)
That was only 30 years ago.

**Rachel Cruze** (2:42)
I was going to say, that was like 15 years ago, but that's fine. We're roping you in, Dave. We're roping you in. That's it.

**Dave Ramsey** (2:48)
Yeah. I'm going to make me relevant yet. Nisi is in Minneapolis. Hi, Nisi. How are you?

**SPEAKER_5** (2:53)
I'm doing well. How are you?

**Dave Ramsey** (2:54)
Better than I deserve. What's up?

**SPEAKER_5** (2:57)
Okay. I'm calling because I am in a position where I don't have to pay any household costs as far as rent goes. And I'm just wondering if I should use my income in this time that I have living rent free to use this time to build my business or use this time to give another job and pay off debt as fast as possible.

**Rachel Cruze** (3:21)
How much debt do you have?

**SPEAKER_5** (3:24)
About $108,000.

**Rachel Cruze** (3:26)
What does that consist of?

**SPEAKER_5** (3:29)
Student loans, stuff in collections, and a tax bill.

**Rachel Cruze** (3:34)
Okay.

**Dave Ramsey** (3:34)
And why are, where are you living, how are you living without rent?

**SPEAKER_5** (3:40)
So I converted my SUV into a tiny camper and I've been living out of my vehicle to expedite this process.
And in the process, when you start working on your debt, everything starts coming into full swing. And the next thing you know, I'm getting garnished. My wages are getting garnished. So now I'm thinking maybe I should just put building the business on hold and get another job, but also I don't have any rent to pay. So it's kind of like, which road do I take?