22 Minutes of People Bragging About Their Debt On TikTok

Summary

Episode Overview

Podcast: George Kamel
Episode Title: 22 Minutes of People Bragging About Their Debt On TikTok
Date: May 15, 2026
Host: George Kamel (with notable comparisons and reactions referencing Dave Ramsey)
Theme:
This episode delivers snarky, insightful commentary as George (channeling Ramsey-style analysis) reacts to viral TikTok clips where individuals candidly confess to, rationalize, or even brag about their massive debts—from real estate leveraging and credit card max-outs, to student loans, bankruptcy, and debt denial. George diagnoses the perilous money mindsets behind internet debt culture, busts popular myths, and injects humor and tough love, all while inviting listeners to pursue financial freedom through personal responsibility.

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Key Discussion Points & Insights

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1. Real Estate Debt as a Hustler’s “Wealth Tool”

(00:22 – 01:37)

• Clip: Grant Cardone Jr. (a parody-style finance influencer) brags about having $30 million in real estate debt, explaining how it covers $50 million in property and yields monthly positive cash flow.
• Key Points:
  • Argues that leveraging debt is a route to “massive unconceivable wealth.”
  • Claims no personal money was used due to leveraging "other people’s money."
• George’s Reaction:
  • “No thank you. DO NOT like WILL not follow unsubscribe.” (01:37)
  • Warns this strategy mirrors what made Dave Ramsey go bankrupt in the 1980s—dangerously over-leveraged with no risk buffer.
  • Predicts that one major economic downturn could ruin such over-leveraged investors.
  • Notes the lack of social media pushback—“Being in debt is not a flex.” (02:11)

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2. Credit Card Debt, Unemployment & Denial

(03:12 – 05:16)

• Clip: A 23-year-old, unemployed for 9 months, reveals she has maxed out three credit cards, totaling $11,632.98 in debt.
• George’s Reaction:
  • Picks up on her nonchalance: “That is way too much smiling coming from someone who is almost 12 grand in debt and unemployed for almost a year. At 23, you barely can drink… yet you’re already 12 grand in credit card debt, maxed out on three cards.” (03:48)
  • Lampoons the social media trend of dismissing personal responsibility (“in between blessings” as a euphemism for unemployment).
  • Offers real help: “If she’s watching this… reach out. I will help you and coach you… free of charge.” (04:47)
• Memorable Moment: Sarcastic critique of filming “in the dark” for a viral confession, highlighting the influence-chasing culture of debt posting.

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3. Student Loan Nihilism

(05:16 – 06:52)

• Clip: A young man shrugs off his student loans, saying, “who says you won’t die in those two to three years [spent paying off loans]?” and that “debt doesn’t matter at the end.”
• George’s Reaction:
  • Mocks the YOLO logic: “That’s your argument. Why would you ever sacrifice for anything when you could die?” (06:08)
  • Highlights how ignoring debt just magnifies its toll: “The longer you ignore your student loan debt, the less life you can actually live. The balance is going to keep growing.” (06:59)
  • Deconstructs denial: student loan debt persists and isn’t dischargeable in bankruptcy.
• Notable Quotes:
  • Student Loan Debtor: “It’s only debt if you plan on paying it back. Ha ha ha ha.” (07:19)

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4. Debt Refuser & the Morality of Nonpayment

(08:24 – 09:42)

• Clip: A defiant TikTok user boasts about not paying old credit card and medical debts, dismissing moral responsibility and credit scores.
• George’s Analysis:
  • “So you’re the moral... You’re the one on the high horse here, okay?” (08:54)
  • Explains the realities: garnished wages, legal judgments, and the lasting financial consequences of ignoring debts.
  • Validates prioritizing “four walls” (food, shelter, utilities, transportation) over debts in crisis, but contends that permanent denial is not a “vibe.”
  • “Never dealing with it. Not the vibe.” (09:40)
• Credit Score Disputes:
  • Acknowledges the paradox: “I don't have a credit score at all because I don’t have any debt… That is an easier way to live versus a low credit score, which is bad, will hurt your ability when it comes to insurance, even getting a job…”
  • Debunks comments that “credit scores are a scam,” but notes in practice, they matter for most.

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5. Individual Bankruptcy as a Clean Slate?

(13:13 – 15:17)

• Clip: A 22-year-old files Chapter 7 bankruptcy on $91,300 in consumer debt—detailing debt on a car, motorcycle, camper, medical bills, student loans, and credit cards.
• Breakdown:
  • $51k on a vehicle, $5k motorcycle, $13.4k camper (her home), $2.2k medical, $12k student loans (not forgiven), $7.7k credit cards.
• George’s Analysis:
  • “Discounted bankruptcy. That’s the kind of discounts we’re looking for in today’s world. This is really sad.” (15:06)
  • Explains bankruptcy’s long-term impact: public record, employment, housing, and a decade-long scar on credit reports.
  • Refutes the “fresh start” narrative: “Acting like this is a clean slate and solves all your problems. No, you temporarily solve them while not solving the root problem, which is the person in the mirror.” (15:17)
  • Offers practical advice: selling underwater car by saving for the difference rather than rolling high payments.

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6. Humor as Coping for Crushing Debts

(16:30 – 17:45)

• Clip: Confessions from a 23-year-old in $160,000 debt who bought a new car anyway; videos filled with self-aware humor but little strategy.
• George’s Take:
  • “Going like, I know I did a really dumb thing and then I added to the dumb thing by doing another dumb thing... this is wild behavior.”
  • Critiques the prevalence of humor and self-deprecation as a coping mechanism for financial distress.
  • “Honestly, what’s your plan next?” (18:33)

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7. The Success Story: Paying off $22k in Nine Months

(18:52 – 20:32)

• Clip: A young woman celebrates paying off $22k of credit card debt in nine months, expressing gratitude and religious faith.
• George’s Reaction:
  • “That is how to get out of debt. Now, getting out of debt and sacrificing, that’s the hard part. The easy part is calculating how fast you could get out of debt.” (20:28)
  • Emphasizes sacrifice and discipline as the way to freedom: “Freedom is on the other side of sacrifice.”
  • Praises the determination and accountability missing from previous clips, offering listeners the “debt snowball” as a proven solution.
• Quote: “If you’re never willing to sacrifice, you’ll never truly be free. You’ll just be handcuffed and in denial and deflecting and making these videos to cope.” (20:46)

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8. Comic Relief: “We Sell Milk”

(21:04 – 21:18)

• Clip: Tongue-in-cheek content creator enthusiastically points out store signs, “We sell milk. We sell postage stamps.”
• George’s Mood Lightener:
  • “Thank you for the win. That was like a little ginger on the palate after a big plate of sushi...” (21:18)
  • Appreciates clever content and the absurd “excitement for postage stamps and the lack of excitement for milk.”

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Notable Quotes & Memorable Moments

• On risk and leveraging debt:
  “This is exactly how Dave Ramsey went bankrupt back in the 80s.” (01:37, George on Grant Cardone Jr.'s logic)
• On credit cards & denial:
  “That is way too much smiling coming from someone who is almost 12 grand in debt and unemployed...” (03:48)
• On student loans:
  “The longer you ignore your student loan debt, the less life you can actually live. The balance is going to keep growing.” (06:59)
• On bankruptcy:
  “Acting like this is a clean slate and solves all your problems. No, you temporarily solve them while not solving the root problem, which is the person in the mirror.” (15:17)
• On sacrifice and freedom:
  “Freedom is on the other side of sacrifice. And if you’re never willing to sacrifice, you’ll never truly be free.” (20:46)
• Comic relief:
  “Thank you for the win. That was like a little ginger on the palate after a big plate of sushi...” (21:18)

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Summary Timeline (Timestamps for Key Segments)

• 00:22 – Grant Cardone Jr. explains $30M debt in real estate
• 01:37 – George’s rebuttal on leveraging debt
• 03:12 – 23-year-old confesses $11k+ in credit card debt, unemployment
• 05:16 – Student Loan Debtor: “I don’t care—might as well live life”
• 08:24 – Debt Refuser: “If I can’t pay it, you gotta fight me for it”
• 13:13 – 22-year-old files bankruptcy on $91k in debt
• 15:06 – George unpacks bankruptcy’s consequences
• 18:52 – Humor in debt: “Timeout for $160k debt at 23”
• 18:52 – Success story: $22k paid off in nine months
• 21:04 – Comic sign-off: “We sell milk”

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Final Thoughts

This episode relentlessly exposes the modern Internet culture of normalizing (or glamorizing) deep debt—offering searing critiques, compassion, comic relief, and concrete financial advice. George’s sharp commentary and the featured stories serve as cautionary tales, urging listeners to reject apathy, denial, and over-leveraging in favor of personal accountability, sacrifice, and the pursuit of true financial freedom.

Transcript

[Dave Ramsey]

My producers have painstakingly mined the Internet for the most rage baity clips featuring people ignoring their debt or proudly flaunting it. And today I'll be reacting to them and taking the bait and experiencing the rage. So before I crash out, big shout out to Deleteme for sponsoring the chaos. All right, here we go.

[Grant Cardone Jr.]

We are in $30 million worth of debt, which means we owe banks a hundred and forty five thousand dollars every single month in mortgage payments. Now let me explain to you why that's a good thing and why it creates massive unconceivable wealth for me and her. So that $30 million worth of debt allows me to own $50 million worth of real estate. So that's $20 million worth of equity that I would not have if I was not in that $30 million worth of debt.

[Dave Ramsey]

Debt.

[Grant Cardone Jr.]

But on top of that, that debt owns real estate assets. And those real estate assets bring in over $350,000 in rent every single month, which of course is more than my $145,000 in mortgage payments plus all owning expenses, plus positive tax free cash flow. So to summarize this for you, I get into debt to create equity and net worth wealth plus positive cash flow, all without using any of my own money because I came from the middle class. I didn't come from money. And if you want to learn how to do this for you so that you can achieve financial freedom like I did by leveraging debt, AKA other people's money, just shoot me a phone like this video I can show you.

[Dave Ramsey]

No thank you. Do NOT like WILL not follow unsubscribe Sam. Oh, I've seen this guy because you guys have sent him, sent him to me and he is exhausting about how braggadocious he is about how much debt he's in and how much he loves it. He loves it. He's just Grant Cardone Jr. Okay, this is exactly how Dave Ramsey went bankrupt back in the 80s. He was way over leveraged and all it takes is another Covid to wipe this guy out completely. Where the government's like, you can't evict anybody and they're not gonna pay rent and you're gonna like it. Meanwhile, the mortgage companies and lenders don't care. They're gonna collect. And so this guy is not taking into account risk whatsoever. And it drives me crazy. I want to see if the comments are vibing on this. Debt isn't good, mate. Thank you. I heard him say that and I said I'm jealous because I already know what's coming? How did you get that deal done, I. E. Buy the property? Is that a caldera hot tub? Asking the real questions here. Would love to hear more. You did one mistake. You should have taken loan from Islamic Bank. They got no interest, only a small fee. It's a cheat code. What is happening? Nobody is calling this guy out. Being in debt is not a flex. Thank you, jj. I wish no ill upon this guy, but let me tell you, if. If ill does happen, I will not be surprised, and I will not shed a tear. It's the nicest thing I can say. So I repeat, unsubscribe, will not follow, will not like. Unlike what you're about to do on this channel, which is drop this video a like, go ahead, hit subscribe on the channel. And as a thank you, here's a C chord on the ukulele. Wasn't that nice? That's all you get. Wow. All right, moving on.

[Young Adult in Debt]

I thought it would be funny to show y' all how much debt I've racked up since. Since getting fired in September and being unemployed for the last nine months.

[Dave Ramsey]

Nine months.

[Young Adult in Debt]

It's pretty bad. I only have three cards, and I've maxed out majority of them. Here's one credit card. Here's my second, which is maxed out and actually over, interestingly enough, same for this one. Yep, yep, yep, yep. That's me. Meaning that's a whopping 11,632.98, since, by the way, I'm 23. So there's that.

[Dave Ramsey]

That is way too much smiling coming from someone who is almost 12 grand in debt and unemployed for almost a year. At 23, you barely can drink. Like, it was just two years ago that you could drink. And yet you're already 12 grand in credit card debt, maxed out on three cards, and yet you goobers out there, like these Ramsey guys, are so out of touch, you have to use a credit card. Never use a debit card. It's so dangerous. This is what that leads to. People taking out these cards, maxing them out, thinking they can pay it off. And then life happens. They lose a job. Now all of a sudden, they can't pay their bills, and these credit cards are going to be the last thing they pay. This is wild behavior. Let me see your caption here. It's actually so sad, but I'm just trying to survive. Hopefully things will get better soon. Hashtag in between blessings. That's the hash. That's what we're going with. I'm not unemployed. I'm just in between blessings. I'm going to try that one next time. I got to see the comments section here. Are they with her? How do you all keep getting approved for more cards? Skull emoji. Agreed. Also, why are we filming in the dark? Can we not turn a lamp on if we're going to make some content? Like this is going to get seen by millions of people. Least you can do is turn a lamp on. If she's watching this, I hope she is. Reach out. I will help you and coach you if you are willing to take the help. No charge, free of charge. I will give you all the resources I can throw at you and walk you through how to get out of this credit card debt. But I would hope you're employed by now. This video was last year, so best of luck. Let's keep it going.

[Student Loan Debtor]

I think it's funny for me how so many people, so many students are worried about paying off their student loans, worry about debt and all this stuff. Well, for me, I really don't care. For me, it's just something he said.

[Dave Ramsey]

It's so funny. And yet I don't see any laughs from this guy. In fact, he looked like he just walked out of a hot Topic. Looks like he's going through a lot right now.

[Student Loan Debtor]

Something that just. It's in the back of my mind that I have more important things to worry about than student loans. I remember this one conversation I had with my professor. He was saying that like he would spend two years, two to three years in his fiance's parents basement just to pay off some of his student loans, right? And to me it's like, why? You know, like I understand you want to pay off your student loans as fast as you can and all that stuff, but for me, like, who says you wouldn't die in those two to three years, right?

[Dave Ramsey]

That's your argument. Why would you ever sacrifice for anything when you could die? Yeah, there's a case to be made for that. Can't argue with that logic. That's pretty good. That's pretty good.

[Student Loan Debtor]

Like who says you won't get that car accident?

[Dave Ramsey]

Who?

[Student Loan Debtor]

A plane crash? Or like anything bad happened to you due to those two to three years wasting your life trying to pay off something that really doesn't matter at the end. Like I have a lot of student loan debt, but to me I really don't care because what matters most to me is living life. Living life through school, living life with my friends, my family, all that stuff. That's what's more Important to me, not staying in someone else's basement or staying in my mom's basement just so I can pay off student loans and just live in this shelter.

[Dave Ramsey]

Okay, I can't. But this guy, for me, I really

[Student Loan Debtor]

don't care for me.

[Dave Ramsey]

So he just wants to live his life. Life costs money. Life can be stressful. Debt adds stress and risk and costs you a payment for the rest of your life which limits how much you can live your life. I think we got there. The longer you ignore your student loan debt, the less life you can actually live. The balance is going to keep growing. So your 40 grand in student loans now cost you 90 grand by the time you pay this thing off. So if you really cared about living your life, you'd knock these debts out as fast as you could. Not complain. That sacrifice feels hard and you're going to keep it around until you die. I'll pay the minimum payment until I'm in the grave. Idc. Thank you, Lee. It's only debt if you plan on paying it back. Ha ha ha ha. And the interest cancels out all the effort anyways. Debt is literally not real. I have literally seen debt erase with three backspace. I promise you this is the last thing on my mind. Okay, I didn't know we were all going to co sign this, but here they are in the comment section surprising me once again. I pretend my medical debt does not exist. I literally don't give afraid I don't think about them. Okay, so our strategy here is just denial and it's just magic monopoly money and it's someone else's problem. Student loan debt of all debts is one of the worst because it's nearly impossible to even bankrupt on this type of debt thanks to lobbying from the student loan companies. You're welcome. And it's not going away. I mean these companies will come after you. So best of luck living your best life with all these payments. No thank you. Let's move on to hopefully someone less emo.

[Debt Refuser]

I posted a video about fighting an old credit card debt because they're trying to sue me and garnish my wages. And I have a lot of people in my comments telling me I should pay my bills. No. Unless it's an immediate monthly bill that could get something cut off in my house, it is not considered a necessity to me. I don't care if I rack up the debt myself. If I can't pay it and I don't pay it, you gotta fight me for it. There is no moral compass when it comes to These companies for. I don't give a.

[Dave Ramsey]

Okay, I'm sorry, first of all, expletives. There's no moral compass for these companies, so therefore, I will do something immortal, which is take out a bunch of debt that I actually have no plan on paying back. So you're the moral. You're the. You're the one of the high horse here, okay? Take in your little high road.

[Debt Refuser]

You have medical debt. I. If I go to the emergency room and I get five bills from five different departments, none of them are getting paid. There was also a lot of people very concerned about my credit score score. You guys are more concerned about it than me. I don't care about my credit score. A lot of people move through life without actually ever using their credit score.

[Dave Ramsey]

That is true.

[Debt Refuser]

I'm one of those people. I don't let their scare tactics scare me. The debts get passed from company to company to company to company. And by the time it gets to company number five, they paid, like, $2 for my $900 debt. They're not getting that money. End of story.

[Dave Ramsey]

Okay? Because they're trying to sue me and garnish my wages. And yet she's saying, it's fine. I'll just ignore it. It'll go from collector to collector, or there'll be legal action, and your wages will be garnished. There will be a judgment against you in a court of law where they just reach in your bank account every month and take out money. So you can ignore it all you want, but that doesn't make it go away. So where she does have this right, is that she's got to cover her four walls before she pays a credit card company, which means put food on the table, cover your rent or your mortgage, pay your utilities that they don't get shut off, and cover your transportation needs to get to and from your job. That should be covered first, as well as insurance before you pay any of your debts. So if it goes to collections because you can't make any more payments for now, fine. We'll deal with that later. But never dealing with it. Not the vibe. And she mentioned the credit score. Her credit score is in the tank, which actually does hurt your financial life. She was like, I don't need my credit score, so what does it matter? Listen, I don't have a credit score at all because I don't have any debt. Now, that is an easier way to live versus a low credit score, which is bad, will hurt your ability when it comes to insurance. Even getting a job, a whole Lot of things. Renting an apartment. So that's what I have to say to that. Don't love her attitude towards this. She's clearly just angry. And I want to make sure that what happened in court, what happened in court, just because I have this too. I've lived my entire life like that. I mean, people still have a point. Defending credit card companies or debt collectors is nuts. You'd be surprised what credit scores are used for. That is true. Credit scores are a scam. Hey, at least we agree on something, that credit scores are a scam. I will leave it there. And by the way, if you are in this situation where you have defaulted on any of your debts, there is help out there. They're not a sponsor of this show, but they're card guardian litigation. They help people who are in these situations who may be being sued for debts they haven't paid or on the verge of it. And so there are people out there who can fight to help you through this and step in, but ignoring it is the last thing you want to do. It is actually the worst thing you could do. So my big takeaway here, maybe just pay your bills and your life will be easier. But you should stop overpaying for your bills. And too many of you are falling for this with your phone plans. So my recommendation, switch to Boost Mobile, one of today's sponsors. Boost Mobile doesn't play mind games like the big carriers. Promising a low price and then jacking it up later and locking you into contracts. Their unlimited plan is just 25 bucks a month. Forever. That price is locked in, set in stone, no take backs. So stop playing games and make the switch today by going to boostmobile.com Ramsey $25 forever requires customers to remain active on Boost Mobile unlimited plan. Okay, we're about to get back to more people who are honestly a little too happy about their debt, which is kind of like your bank. Seriously, most banks will gladly saddle you with a high interest credit card and then high five themselves all the way to the place where they deposit that money. Not Fairwinds Credit Union, though. That's another sponsor of today's video. Fairwinds actually cares about you more than their bottom line, which means they want you to stay out of debt, not put you into it. And to prove it, they have a debit card that says debt is normal. Be weird right on the front. What kind of bank does that? And you get that debit card with their free smart bundle, which includes a fee, free checking account and a high yield savings account. So break up with your debt obsessed bank and get the smart [e-mail] Ramsey all right, back to the grind. File bankruptcy with me as a 22 year old in $91,000 worth of debt. That's what we're it used to be. Get ready with me. Now it's filed bankruptcy with me. We're cooked, guys, we're cooked. I can already see her in her luxury car. This is a great start.

[Bankruptcy Filer]

And I am in $91,300 worth of debt and I am filing Chapter 7 bankruptcy today. I've had such a bad financial burden the last couple years. So after meeting with attorney and doing lots of research, I realized that filing bankruptcy really isn't as bad as it's made out to be. And it was truly going to be my best bet. Started to file Chapter seven. And you know, truthfully, my consumer debt really is not that bad. A lot of people have it a lot worse financially, but for me, $91,000 was just too much. It was uncomfortable and I just wanted to get a fresh start directly after high school. And I made a lot of very irresponsible decisions financially and really dug myself into a big hole of debt. I decided let's go ahead and file bankruptcy. Let's give myself a clean slate. That way I can stop stressing and I can actually do better. Okay, just to give you a little breakdown of the debt that I do have that totals up to $1,300. I owe about $51,000 on the vehicle that I have. We did try selling that, trading it in, all that good stuff, but have way too much negative equity to come out on top. Of course, I bought a motorcycle back in 2022. Thought that was a great idea. I owe $5,000 still on that same thing. Tried selling it, not able to get what we owe out of it. I do own a camper and I owe about 13, 400 on that. However, I live out of that camper because I can't afford a house. So I am keeping that since I do live in it. I have $2,200 worth of medical bills that I had no idea were in collections. And then I have $12,000 worth of student loans. However, those do not get forgiven with bankruptcy. So I will still continue that payment. And then I have about 7, $700 worth of credit card debt, all coming into a grand total of 91, $300. So after meeting with an attorney, she decided filing chapter seven is going to be my best bets. So that's what we're Gonna go ahead and do. Since I was referred to her from somebody that is currently filing bankruptcy with her. She did cut me a discount. So my bankruptcies only going to cost me about eleven hundred dollars.

[Dave Ramsey]

Yay. Discounted bankruptcy. That's the kind of discounts we're looking for in today's world. This is really sad. All right, let's hit the truth of what bankruptcy really does. Because she's a little nonchalant, just being like clean slate.

[Grant Cardone Jr.]

Yay.

[Dave Ramsey]

You gotta sell your assets to pay off creditors with this type of bankruptcy here. And bankruptcy doesn't apply to student loans, which she did mention. Appreciate that. And this goes on your public record. So this can affect your employment, your housing, your banking, all of that. And it costs money to file. Costs her 1100 bucks discounted, but it can be thousands for most people. And it hits your credit score and stays there for 10 years in Chapter 7 bankruptcy. And again, I don't care about your credit score, but a bad credit score will hurt you. I care about that. So we got to clean up the debt to fix our credit score and then eventually it'll disappear as we get out of debt. And of course you're going to have a lot of trouble getting a mortgage here. So acting like this is a clean slate and solves all your problems. No, you temporarily solve them while not solving the root problem, which is the person in the mirror. Let me address this underwater problem, by the way. Let's say the car. She owes 51,000 on the car, but it's worth 42. Well, you can come up with the nine grand difference through saving money and then sell the car and get out of that payment so you're not stuck. And if your credit is in shot, you could go to your local credit union and get that difference in a personal loan. Better to be $9,000 in debt than 51,000. See where I'm going here? So don't like anything about this video. And I assume all of these comments are like, girl, you go, oh, here we go. Filing bankruptcy is actually pretty. 45,000 likes on that. Hi, guys. I'm $91,000 in debt. Smiley face gif there. Half of your debt being your car is crazy. Agreed. Almost 100k of debt at 22. And filing bankruptcy is actually insane. Thank you. Wow, the comment section is cooking right now. I love it. You couldn't waterboard this info out of me. That's actually dark but funny. Rationalizing bankruptcy is wild. All right, guys, this is a huge win for the comment section. Love it. And again, I don't think she needs help at this point. Cause this video was posted at least, I don't know, four, five, six months ago. But Gracie, if you need help, hit me up. I'm willing to do what I can to help you climb out of this. If you haven't filed bankruptcy yet. Next. Putting myself in timeout for being $160,000 in debt by 23. Then buying a brand new car. At least we're having fun with it, you know? Let's see. I can smell the comments on this one. Student debt. Hashtag private loans, usa. Hashtag new car. Again, I think we are deflecting here, deflecting our pain and suffering through humor by making content like this. And there's a lot of self awareness, which is confusing. Going like, I know I did a really dumb thing and then I added to the dumb thing by doing another dumb thing. And it's crazy. How many people are 21, 22, 23 years old with six figures in debt that are crushed by these payments. I'm like, you went into all this debt within a year or two of being an adult. You probably haven't even graduated college yet. And here you are in crippling debt for the rest of your life if you don't solve it. This is not good. Oh, here we go. You're coping with humor. But honestly, what's your plan next? I want to know. They said it for all of us. We want to know what your plan is. You just, you just teased it out there with nothing after that. Are you actually going to fix your behavior? Are you going to do anything to climb out of this? Or are you going to be like the last girl and just go bankruptcy?

[Student Loan Debtor]

Yay.

[Dave Ramsey]

That sums that video up a little. Caleb Hammer gift. That's fun. How does this even happen? I agree. I think the companies giving this person all this debt are just as idiotic as the person going into it. This is wild behavior. Okay.

[Debt Refuser]

Wow.

[Student Loan Debtor]

I'm.

[Dave Ramsey]

I'm real riled up right now. If you can't tell. All right, I got one more left in the tank on this topic. Let's see what we got. January 2025, 22k plus of credit card debt. Today, September 11, 2025. $0 for real. She paid it off. I'm gonna assume that she went hard in the paint and knocked out all this debt in nine months. That's pretty incredible. Let's see. Financial freedom. Financial stability is a true blessing. All glory to God. Debt free. Love it. Oh, she still has other debt now. Whoever wants to take care of my student loans, holla at your girl. Yep, took me a whole year, but I finally paid off my 12k debt. Couldn't do it without God. Thank you, Lord. Love this. That's amazing. 44k paid off in 12 months. It's doable. You just have to want to do it. Thank you, God. Thank you, producers. You're welcome. Thank you, God. You're welcome for giving me this angel of an ender for this topic because I really needed a win. It's easy to think everybody thinks like this when you watch seven videos in a row of people thinking like this, and then you meet someone who actually wasn't afraid to work their tail off for freedom. Think about it. Freedom is on the other side of sacrifice. And if you're never willing to sacrifice, you'll never truly be free. You'll just be handcuffed and in denial and deflecting and making these videos to cope. So I appreciate that. I don't know how she did it, but that's pretty impressive when you think about the math on that. 22,000 divided by nine. 2,400amonth is what she threw at the debt, roughly, give or take. So she must have been making four or five, six grand in her field and lived on a little bit of that and threw the rest toward the debt. That is how to get out of debt. Now, getting out of debt and sacrificing, that's the hard part. The easy part is calculating how fast you could get out of debt. And you can do that super easily with our debt snowball calculator. It's completely free. And I'll drop a link in the show notes if you want to check it out for yourself. Maybe you'll be pleasantly surprised at how fast you could pay this stuff off using the debt snowball method. We can't end this episode without a little fun, so producer Alex has chosen a video at random for me. So to enjoy or be angry at.

[Grant Cardone Jr.]

We sell milk.

[Debt Refuser]

We sell milk.

[Dave Ramsey]

We sell postage stamps. Not the all caps yelling, we sell milk. Oh, back to it.

[Grant Cardone Jr.]

We sell milk.

[Dave Ramsey]

Bravo. Bravo to CVS and to this content creator. Please help Postage stamps. Love the excitement for postage stamps and the lack of excitement for milk. I love it. And shout out to whoever's making these signs. Cause they put very little effort in. They went, all right, let me use a sentence case on this one. And then we're just gonna go all caps case on that one. Thank you for the win. That was like a little ginger on the palate after a big plate of sushi, you know, really cleansed it for me. So thank you. Alex, if these videos got you riled up to actually do something about your debt, then it was all worth me getting riled up. So go check out this next video where I'll show you the fastest way to get out of debt, starting today. Click right here or use the link in the description. Thanks for watching. We'll see you next time.