Caller (Austin)
Listener and caller to The Ramsey Show seeking advice about roughly $142,000 in consumer debt after business attempts and rental arbitrage; describes household income, family situation, and intentions to pursue cybersecurity certification.
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Feb 10, 2026 • 10min
I'm $142,000 in Debt and Thinking About Bankruptcy
Caller Austin, a parent with $142,000 in consumer debt after failed rental arbitrage and business attempts, seeks a path forward. He discusses household income, student loans, car debt, and personally guaranteed loans. The conversation covers getting immediate work, pursuing cybersecurity certification later, childcare support, bankruptcy consequences, and using budgeting and a debt snowball plan.
