James, a caller to Dave Ramsey, makes $170,000 a year but struggles with $27,000 in debt due to mindset issues and high living expenses, highlighting how habits matter more than income.
Even though James earns a solid salary, he is living paycheck to paycheck, primarily because of high rent in two locations and his inability to curb spending. Ramsey suggests that discipline and mindset are key in overcoming financial challenges.
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