The Ramsey Show

Podbit · The Ramsey Show

Common Sense Beats Clever Money Hacks

Explore episode Aug 5, 2026

Where this was said

Lee in New York: Live Debt-Free Scream After 18 Months of Sacrifice

At 1:45:00 · chapter starts 1:44:50

Lee's call is pure emotion: 18 months of sleeping on a futon, skipping pedicures, surviving on boiled eggs and instant oatmeal, working two restaurant jobs, and fending off friends who called her crazy — all to pay off $38,000 in debt. Today she's making her final $1,092.53 payment to Citibank. Live. On the air. Except her Face ID won't cooperate under the pressure. Dave and George count her down anyway, she screams 'I'm debt-free!', and the studio confetti falls. Her net worth: negative $40,000 eighteen months ago, nearly $200,000 today. She has an IRA, a 401(k), a financial advisor, and life insurance. Dave's parting message: 'You changed your life. We just got to observe it.'

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