The Ramsey Show/YouTube Moneywise and Yahoo Finance LLC may earn commission or revenue through links in the content below. Tom called into The Ramsey Show in early August, sharing what he called “quite the financial mess.” The 30-year-old former commercial real estate analyst from New Jersey is swimming in debt with four mortgages, a car loan, and a credit card — all to the tune of more than $1.8 million in debt. Must Read Before being laid off seven months ago, Tom earned $130,000 annually in commerc ...