Toby, a 62-year-old self-employed plumber in Phoenix, Arizona, thought owning multiple rental homes would secure his retirement. Now he’s approaching retirement with no 401(k) savings, poor health and $79,000 debt and he’s worried about his long-term future. Toby called into The Ramsey Show (1) for advice on how to improve his situation, telling co-hosts Jade Warshaw and Ken Coleman that he’d recently got an offer from a debt consolidation company and was wondering if he should take it. “Is it a bad id ...