Snapshot · The Ramsey Show
John Delony calculated that Cassie letting go of $7,211/month in office rent over 5 years plus selling their $300,000 land equals approximately $720,000 — nearly enough to clear the entire debt.
Where this was said
At 1:32:36 · chapter starts 1:30:50
Cassie calls from New York almost breathless, carrying $829,000 in SBA EIDL debt from a business that once grossed $419,000 per year but has been damaged by COVID and now brings in $10,000–$15,000 per month [1] — John Delony "If you let this rent go and you multiply that by 5 years, it's $90,000 a year. It's $420 grand. And if you sell this land at $300,000, that…" 1:32:36 . Interest is compounding at $78 per day. She and her husband own 1.5 acres of land worth approximately $300,000, no home (they rent), and approximately $100,000 in business equipment. They still rent multiple office spaces totaling $7,211 per month — a cost Cassie knows needs to go but which her husband resists because of the mental toll of losing workspace while raising two toddlers. John does the math live: five years of office rent savings is $420,000; selling the land is $300,000. Two decisions, $720,000. Bankruptcy does not need to enter the equation. Jade is emphatic: the office rent is imperative to cut. The path is clear and the endpoint — five years — is survivable.
Cassie and her husband owe $829,000 on an SBA loan and are losing $78 a day in interest. John Delony runs two numbers on the spot: $7,211/month office rent cut over 5 years is $420,000. Selling the land is another $300,000. That's $720,000 — and bankruptcy never had to enter the conversation.
Dan bought a Hollywood Hills property for $1.6M at 6.8% interest two years ago. He can't find a renter at $7,000/month and faces a $200,000 loss on sale. Jade and John lay out his options: convert to Airbnb to break even, or take the $200K hit now rather than continue hemorrhaging.
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