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 "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. "We're robbing Peter to pay Paul a ...

Ann, a caller from Ann Arbor, Michigan, said her son stopped paying his condo mortgage after losing his job in April. She told "The Ramsey Show" she has covered the payments because she co-signed the loan with her ex-husband and wants to avoid damage to her 820 credit score. The mortgage balance, she said, is about $30,000. "This is about the laziest human I've run into," personal finance personality Dave Ramsey said. Don't Miss: The ‘ChatGPT of Marketing' Just Opened a $0.85/Share Round — 10,000+ Inve ...

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Core Insights - A 61-year-old woman named Teresa seeks advice on investing in her 401(k) while managing significant debt, highlighting the challenges faced by individuals nearing retirement without savings [1][2]. Financial Situation - Teresa earns approximately $67,000 annually but has debts totaling around $69,000, which includes $11,000 in student loans, $18,000 for a car, $12,000 in personal loans, and $26,000 for a tractor [3][4]. - The land associated with the tractor is valued at only $500 per acre, raising questions about the financial wisdom of such a purchase [4]. Debt Management Advice - Financial expert Dave Ramsey emphasizes the need for Teresa to aggressively tackle her debt and sell unnecessary assets, including the tractor and car, to improve her financial situation [4][5]. - Ramsey suggests that by selling the tractor, Teresa could potentially trade a $26,000 liability for $150,000 in retirement savings, illustrating the long-term impact of her current financial decisions [5].

RT wallstreetpapi (@wallstreetpapii)I'm not kidding, CFO Silvia Could Genuinely Be the Greatest Financial Innovation Ever...If you're reading this, it means I've just dropped a new podcast episode with @shaincodes , Co-Founder of CFO Silvia (alongside @APompliano).We discuss what CFO Silvia is, how the average person can use AI to manage their finances, stress testing, forecasting, and the future of personal finance.CFO Silvia has been a game changer in my own life, consolidating all my finances on one dash ...

Wealthy people have entire teams working for them to better understand their finances and help identify potential areas of improvement.The average person can't afford to hire the same team.So we built @cfosilvia to democratize access to the same intelligence and insights.The best part? Silvia is completely free to use.Anyone can sign up, connect their accounts, and Silvia will immediately get to work on your behalf.She can do complex calculations, predict how current events will affect your portfolio in sec ...

Core Insights - The discussion highlights the risks associated with taking on significant student loan debt, particularly in the context of starting a family and pursuing a demanding career path [2][3][5] Financial Implications - The caller, Josh, and his fiancée are facing a potential $200,000 in student loan debt for a certified registered nurse anesthetist program, which could lead to a significant income increase from $70,000 to approximately $200,000 annually [2][3] - Ramsey emphasizes that the assumption of guaranteed success in completing the program is flawed, noting that historically, 100% of individuals who start such programs do not graduate [4] Personal Finance Advice - Ramsey strongly advises against incurring debt for education, especially in the context of imminent marriage and family planning, suggesting that they should seek alternative funding options [5] - He shares a personal anecdote about his own financial struggles due to unexpected circumstances, reinforcing the unpredictability of financial commitments [5]

RT Steven Bartlett (@StevenBartlett)Has everyone lied to you about buying a house?This week, I wanted to do something different.Instead of sitting down with just one guest, I brought together three of the most experienced minds in personal finance for an open debate.Many of you already know Raoul Pal and Jaspreet Singh, and for the first time, Humphrey Yang joins us on The Diary Of A CEO.Each of them sees money in their own way, and I wanted to put those views side by side. ...

Product Features & Benefits - Silvia can analyze a user's portfolio and identify the largest risks [1] - Silvia can provide risk mitigation suggestions [1] - Silvia can deliver portfolio analysis in seconds, a task that could take financial advisors days or weeks [1] - Silvia aims to be the most powerful personal finance tool [2] Key Capabilities - Silvia identifies concentration risks [2] - Silvia recommends a target allocation [2] - Silvia creates a 90-day Action Plan [2] - Silvia shares key risk-management principles [2]

Product Features & Capabilities - AI personal finance tool @cfosilvia can analyze portfolios and identify risks [1] - @cfosilvia provides risk mitigation suggestions [1] - @cfosilvia can deliver financial analysis in seconds, a task that could take financial advisors days or weeks [1] - @cfosilvia identified four concentration risks [2] - @cfosilvia recommended a target allocation [2] - @cfosilvia created a 90-day Action Plan [2] - @cfosilvia shared key risk-management principles [2] Company Goal - The company aims to build @cfosilvia into the most powerful personal finance tool ever created [2]