Carlos (caller)

Carlos, a listener with a household income of $300,000, shares his struggle with $29,000 in credit card debt and a $17,000 car loan after initially achieving debt freedom in 2020. He discusses how luxury purchases and a lavish lifestyle post-COVID have led him back into debt. Dave and Ken challenge him to take ownership of his choices and propose a strategy to live off his wife’s paycheck while tackling his debt. They stress the importance of modeling financial responsibility for his children to avoid repeating this cycle.