Dave Ramsey tells homeless, unemployed Ohio man with $14K debt that there’s no point declaring bankruptcy. Why his money problems are just symptoms

Toby called into The Ramsey Show from Ohio, laying his problems on the line. He’s homeless, unemployed and saddled with ...

This unemployed Texas man pays $1,200/month for his car, has $94,000 in debt, blames weird ‘dynamic’ with mother-in-law. Dave Ramsey doesn't buy it

American households carry $1.66 trillion in auto loan balances collectively as of Q3 2025, according to the Federal Reserve ...