/biz/ - Business & Finance

>>57044877
Starting off this hour of the Ramsey Show we have Anon in Lexington, Kentucky! Hey Anon, what's up?
>Hey Dave, how are you doing?
Better than I deserve, how can I help?
>uhm, I'm pretty far in debt and a lot of it is uhmm
On what?
>well, uhhh, it's a few different things... mostly a car, that's 36k. I've got about 17k in credit card debt, and 5k in medical bills-
What's the car worth?
>uhh yeah I'm actually upside down, if I sold it today I could probably get 30k, Kelley Blue Book value is 32k but y'know, the market here ain't great and-
What's your income?
>I make 60k/year.
Right. Not great, not terrible, but obviously we've got other issues aside from the income here haven't we? I mean you make too much to be this broke!
>Right
So what I want you to do now is sell this dadgum car because it's putting your finances in the ground, man. You need to get yourself a BEATER, YESTERDAY.
Then step two, we need to figure out a way to get that income up, now you're making 60k and that isn't awful but you're just not gonna make enough to pay all of this off in a year. You need to be waiting tables, driving Ubers, delivering pizzas, ANYTHING you can do to make some extra money on the side. What are you doing for work?
>uhmm, I'm uhhh, in insurance
You work in insurance and only make 60k?
>yeah but I'm supposed to be getting promot-
That doesn't matter, you're only earning 60k NOW, not 120k like you should be, go out and get a better dadgum job man. I want you working three jobs, selling so much stuff the kids think they're next, and the only time you'll ever see the inside of a restaurant is if you're WORKING THERE. Thanks for the call Anon, we hope you make it and we want to see you WIN.

RICE AND BEANS AND RICE AND BEANS AND RICE AND BEANS AND RICE AND BEANS AND RICE AND BEANS AND RICE AND BEANS AND RICE AND BEANS AND RICE AND BEANS AND RICE AND BEANS AND RICE AND BEANS

>>53053810
Shut up, N****R

Shoulda listened to my advice and stayed in Vanguard Total Stock market index funds

Sell your fucking crypto. Now.

>>26355755
>At 45, I make 4 figures, own a house, am wageslave, and just getting into crypto to see if i can better my retirement.
Imagine making 4 figures past 20. You must be a the 401k and social security scams wet dream. A moron to work his entire life for pennies. Least you seem to have the sense to get into crypto so maybe some hope for you.

Tonight.

You know what you gotta do right?

>>26026348
Sell your fucking crypto. Now.

Sell your fucking car.

Sell your fucking crypto.

Now.

You made money from Bitcoin? CASH IT

Is a flexible spending account for my PPO health care coverage worth it if my funds expire at the end of the year?

Alternatively, my employer offers a HDHP with an HSA that does roll over with a $500 contribution annually. That account stays with me even if I leave.

Why aren't you living off beans and rice?

Sell your fucking car.

Now.