The Ramsey Show

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Change Your Mindset, Change Your Life

Explore episode Aug 7, 2026
Business
Keith and Candice: $201K Gone in 5 Years — After 27 Years of Failure

Change Your Mindset, Change Your Life · Aug 7, 2026 Business

Keith took Financial Peace University in the 2000s, called it crazy, and stayed broke for 27 more years. Then he got tired of juggling a $600 truck payment, sold the truck on Carvana in 2 days, and never looked back. Five years, $201,555, a camper, a Sea-Doo, and student loans later — they're debt-free, and flying to Nashville for the first time ever to scream it.

10 min

Where this was said

Debt-Free Scream: Keith and Candice — $201K in 5 Years After 27 Years of Failure

At 1:35:30 · chapter starts 1:35:10

Keith and Candice from Abbeville, South Carolina are celebrating their 32nd wedding anniversary on the Ramsey debt-free stage, having eliminated $201,555 in debt over 5 years on a $140,000 income. The twist: they took Financial Peace University in the early 2000s, Keith called it crazy, and they stayed broke for 27 more years. The pivot came when Keith got fed up juggling a $600/month truck payment, listed it on Carvana, sold it in 2 days for more than he paid, and never looked back. The camper, Sea-Doo, and eventually $76,000 in student loans followed. They lived two summers without central air conditioning during the payoff stretch. Keith's message to the listener who once was him: 'It does work, and we're living proof.' Dave shares the honor of Keith's first-ever airplane ride being to Nashville to scream debt-free.

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