Dave Ramsey Says You're Working 'Like A Rat In A Wheel' Because Of Monthly Debt Payments While 'Everybody Else Is Getting Rich' Fahad Saleem Mon, January 12, 2026 at 1:32 AM GMT+5:30 3 min read Personal finance expert Dave Ramsey says people have become so used to monthly debt payments that they stay trapped in jobs they do not like for years instead of fixing their habits to gain financial freedom. Discussing the importance of staying out of debt on "The Ramsey Show," he said average Americans work tirelessly only to hand over their money to credit card companies and car lenders through debt payments. Ramsey believes people could build fortunes by eliminating monthly payments and investing that money instead.
