An anonymous writer from Arkansas told "The Ramsey Show" they earn $20 an hour working overnight at Walmart and struggle to manage money, and personal finance expert Dave Ramsey said he could relate.
In a letter read on air by Ramsey's daughter and co-host Rachel Cruze, the writer said they often borrow from future paychecks, use cash-advance apps to get by, and spend much of their income eating out. They also revealed owing $3,000 on a credit card and $4,000 to the IRS.
