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Dillon appears on the Dave Ramsey show seeking advice on how to get out of debt quickly. He has $13,000 in debt and earns $23,000 per year working at a car wash. Dillon is 19 years old and intends to pursue a career in real estate. Dave Ramsey explains the concept of "shovel to hole ratio," highlighting the importance of comparing income to expenses and debt. Dillon's debt primarily consists of $10,000 in auto loans and $3,000 in other debt.