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Dillon is in Bowling Green hi Dillon welcome to the Dave Ramsey show hello Kay how are you today better than I deserve sir whats up oh yes sir I was wanting to know like the quickest sense how to get out of debt okay well what we suggest folks do how much dad have you got a roughly around 13,000 okay and what is your income 23,000 a year okay how old are you 19 no what what do you do I work at a car wash okay what are your career plans for so far I was taking college but after my first semester I actually wanted to go into real estate okay so youre getting your real estate license yes sir okay cool very cool all right well I mean that theres kind of two numbers Dillon that we look at and we call it the shovel to hole ratio and the shovel is your income versus the hole is your outgo your your your you know what youre spending to eat and then how much debt you have okay so you have $13,000 hole that youre in what do you owe that money on ten thousand of it is for auto loans and six