$3.5M debt for chicken farm at age 23
A 23-year-old with a baby on the way was considering $3.5 million in farm debt, netting only $90K/year while on the hook for the full loan regardless.
Snapshot · The Ramsey Show
Life Is Complicated. Money Doesn't Have To Be.
Explore episode
Jul 27, 2026
Where this was said
Sponsor — Christian Brothers Automotive
At 10:25 · chapter starts 9:10
Jade reads a full sponsor segment for Christian Brothers Automotive, positioning the brand as the antidote to the stress of unexpected car trouble. Key selling points include their digital inspection system that lets customers see exactly what the technician sees, a 3-year or 36,000-mile warranty, and an exclusive Ramsey discount of 10% off up to $250 at cbac.com/ramsey.
Should You Go $3.5 Million Into Debt to Farm Chickens?
A 23-year-old with a baby on the way wanted to borrow $3.5 million to build four chicken houses. Even with a guaranteed $90K take-home, the math collapses — and the hosts ask the killer question: if this deal is so great, why isn't the billion-dollar poultry producer doing it themselves?
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