Question: Russ got divorced 2 years ago. He has $234,000 in total debt from his spec house, car and more. His field of work has really gotten slow. He makes $36,000 a year along with contract work on the side, but keeps falling behind. He doesn't know what to do.

Dave Ramsey's advice: It sounds like your heart was thoroughly broken and you haven't healed yet. You're still reeling from that, and you're not paying attention and disorganized. You do something and then worry about consequences later. Drop the price on your spec house and get the car sold. Keep picking up extra jobs as you can, and get in a really good exercise program.

Start setting some goals so you know where you want to be in 10 years. Have something to look forward to instead of looking back, because looking back is paralyzing you. It's time for you to have a future. When you get the stuff sold, the rest of things will start coming together. Part of your broken heart requires that you have God around you, so get in a good church.

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Question: Jennifer is getting divorced and her husband wants to take out a car loan. How can she protect herself so she's not liable? Dave says it's pretty easy.

Dave Ramsey's advice: Unless you sign for the car, it won't affect you at all. He couldn't snicker it in there unless he signs his name fraudulently. The judge could hold you liable in divorce court, but that would be very unusual.

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