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A 61-year-old woman named Jenny called “The Ramsey Show” seeking advice after selling her home in Oregon and ending up with $22,000 in savings.
She told personal finance coach Dave Ramsey and co-host George Kamel that she works only 25 hours a week as a cashier and feels uncertain about her financial future after a divorce. Ramsey quickly pointed out her biggest challenge: an income shortfall, not poor money habits.
“The job you have sucks,” Ramsey said. “You’re starving to death … mathematically, you don’t have any money.”
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Jenny said that she has no retirement savings and struggles with knee and back pain that limit her ability to work full-time. Ramsey acknowledged her fear but urged her to focus on rebuilding her income.
“Let’s start thinking about what we can do that gets your income rocking,” he said, encouraging her to look for work that fits her physical abilities. He emphasized that increasing her income, not cutting expenses, would ease her financial stress.
When Jenny mentioned she had worked as a caregiver and cook, Ramsey saw potential. “You could cook,” he told her, steering her toward something she already knew and enjoyed. He suggested she consider flexible, self-employed options instead of another low-hour retail job.
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Jenny said she enjoys upcycling and owns furniture stored away that she could fix and sell. Ramsey immediately encouraged her to start small by reselling what she already has online. He suggested Facebook Marketplace and eBay as easy entry points, while Kamel recommended asking family or grandchildren to help her create listings and take photos.
Ramsey advised Jenny to start with her storage inventory and learn as she goes. “You can make $100,000 a year screwing around with that,” he said, explaining that many people earn six figures flipping used items online.
He shared an example of a man who made $800,000 reselling golf clubs on eBay and reminded her that success comes from effort, not perfect conditions.