Quick ReadDavid earns $100,000 across four jobs but carries $89,000 in consumer debt, proving that spending behavior rather than income is what drives financial failure. His $42,000 credit card balance at 21% APR burns $735 monthly in interest alone, making it the highest-priority debt to attack first. Selling the $13,000 mower, freezing new card charges, and building a written budget are the fastest levers David can pull to escape debt. David from Lexington, Kentucky called The Ramsey Show asking for the fastest way out of debt. The average credit card APR sits at nearly 21%, near record territory.