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Toby called into The Ramsey Show from Ohio, laying his problems on the line. He’s homeless, unemployed and saddled with $14,000 in debt of which nearly half is a car loan. Even his car’s “broke.”
He was charged with a DUI last year, and added that he had developed a mental block about working.
Toby asked Dave Ramsey and Jade Warshaw if declaring bankruptcy was a “smart move.”
“Toby, you’re not bankrupt,” Ramsey responded. “You’re broke, homeless and don’t have a job (1).”
Ramsey said debt was simply a symptom of “all the other crap that’s going on in your life — not keeping a job,…