The Ramsey Show believes you can build wealth and take control of your life—no matter what stupid mistakes you've made with money. Join as Dave Ramsey and his team of experts answer your questions on the top problems holding you back.…Show full descriptionHide full description⌄
The Ramsey Show believes you can build wealth and take control of your life—no matter what stupid mistakes you've made with money. Join as Dave Ramsey and his team of experts answer your questions on the top problems holding you back. Listen now or ask your question live by calling 888.825.5225 weekdays from 2–5 p.m. ET. Learn more at www.ramseysolutions.com
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
Dave Ramsey and George Kamel answer your questions and discuss:
“I'm currently carrying two mortgages and I'm about to run out of money. What should I do?”
“My failing business has accumulated $220,000 of debt in the last 6 months, and I don't know what to do.”
“Should I file bankruptcy before I get married?”
“Should I use my cash to pay off my debt or invest it?”
“Every time I try to save money, I lose focus and end up spending it. How do I teach myself the discipline needed to save money?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💰 How much do you need to invest each month to retire a millionaire?
💵 Start your free budget today. Download the EveryDollar app!
🚢 Cruise With Dave Ramsey and 2,500 Ramsey People
💌 Preorder Build the Marriage You Want today now and get $100+ in bonuses.
🏡 Find a Ramsey Trusted Real Estate Agent
📈 Check Out George’s Free Investing Guide
Connect With Our Sponsors:
Go to Angel to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
Don’t try to figure out Medicare alone. Go to Chapter to connect with an advisor!
Save 10% (up to $250) at Christian Brothers Automotive with your exclusive Ramsey discount.
Receive 50% credit towards your first month with Christian Healthcare Ministries. Use code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
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Go to FAIRWINDS Credit Union for an exclusive account bundle!
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Use code RAMSEY to save 20% at Mama Bear Legal Forms
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💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
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📈 EntreLeadership
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Financial Freedom Is Worth Fighting For
2:06:58
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
Dave Ramsey and Dr. John Delony answer your questions and discuss:
“My wife hid over $100,000 of debt from me and still won’t come clean. How do I protect myself from her decisions?”
“My boyfriend coerced me into $103,000 of debt. What should I do?”
“My girlfriend and I don’t align on financial goals. Should we break up?”
“My father doesn’t have a will. Should we pay for him to get a will so we can exclude ourselves?”
“I’m lowering my income by $90,000 every year to qualify for state health insurance. Should I stop doing this?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💰 How much do you need to invest each month to retire a millionaire?
💵 Start your free budget today. Download the EveryDollar app!
🚢 Cruise With Dave Ramsey and 2,500 Ramsey People
❤️🩹 Get trusted insurance coverage that fits your budget
💌 Preorder Build the Marriage You Want today now and get $100+ in bonuses.
🎫 Get your tickets to Entreleadership Master Series!
Connect With Our Sponsors:
Go to Angel to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
Don’t try to figure out Medicare alone. Go to Chapter to connect with an advisor!
Save 10% (up to $250) at Christian Brothers Automotive with your exclusive Ramsey discount.
Receive 50% credit towards your first month with Christian Healthcare Ministries. Use code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
Get 20% off when you join DeleteMe
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today.
Visit Helix Sleep for special offers!
Use code RAMSEY to save 20% at Mama Bear Legal Forms
Visit NetSuite today to learn more.
Sign up for your free trial at Shopify.
Make navigating healthcare easier. Go to Solace Health to see if you qualify.
Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!
Try ZipRecruiter for free today.
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💰 George Kamel
📈 EntreLeadership
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
You Can’t Build Wealth in Financial Chaos
2:06:37
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
Dave Ramsey and George Kamel answer your questions and discuss:
“My wife’s mom maxed out a credit card in my wife’s name—should we treat this as our debt?”
“I did everything right, but my medical bills exhausted my retirement savings.”
“Is it irresponsible for me to buy a duck hunting boat while I have $250,000 of student loan debt?”
“How do I gain back my husband’s trust after gambling behind his back?”
“My dad is in a bad spot financially, I want to give him some money but my wife doesn’t want me to. What should I do?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💰 How much do you need to invest each month to retire a millionaire?
💵 Start your free budget today. Download the EveryDollar app!
🚢 Cruise With Dave Ramsey and 2,500 Ramsey People
❤️🩹 Get trusted insurance coverage that fits your budget
💌 Preorder Build the Marriage You Want today now and get $100+ in bonuses.
Connect With Our Sponsors:
Go to Angel to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
Don’t try to figure out Medicare alone. Go to Chapter to connect with an advisor!
Save 10% (up to $250) at Christian Brothers Automotive with your exclusive Ramsey discount.
Receive 50% credit towards your first month with Christian Healthcare Ministries. Use code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
Get 20% off when you join DeleteMe
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today.
Visit Helix Sleep for special offers!
Use code RAMSEY to save 20% at Mama Bear Legal Forms
Visit NetSuite today to learn more.
Sign up for your free trial at Shopify.
Make navigating healthcare easier. Go to Solace Health to see if you qualify.
Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!
Try ZipRecruiter for free today.
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💰 George Kamel
📈 EntreLeadership
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
Your Future Is Worth the Sacrifice
2:06:57
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
Rachel Cruze and Jade Warshaw answer your questions and discuss:
“How do I help my aunt recover after being scammed by my brother?”
“I got laid off at 72, do I have enough to retire?”
“How can we teach our 25-year-old son to be more responsible?”
“Should we use our investments to pay off the mortgage?”
“What do we do with the extra income now that we've paid off our house?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💰 How much do you need to invest each month to retire a millionaire?
💵 Start your free budget today. Download the EveryDollar app!
🚢 Cruise With Dave Ramsey and 2,500 Ramsey People
❤️🩹 Get trusted insurance coverage that fits your budget
💌 Preorder Build the Marriage You Want today now and get $100+ in bonuses.
Connect With Our Sponsors:
Go to Angel to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
Don’t try to figure out Medicare alone. Go to Chapter to connect with an advisor!
Save 10% (up to $250) at Christian Brothers Automotive with your exclusive Ramsey discount.
Receive 50% credit towards your first month with Christian Healthcare Ministries. Use code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
Get 20% off when you join DeleteMe
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today.
Visit Helix Sleep for special offers!
Use code RAMSEY to save 20% at Mama Bear Legal Forms
Visit NetSuite today to learn more.
Sign up for your free trial at Shopify.
Make navigating healthcare easier. Go to Solace Health to see if you qualify.
Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!
Try ZipRecruiter for free today.
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💰 George Kamel
📈 EntreLeadership
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
Smart Financial Decisions Beat Big Risks
2:07:59
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
Jade Warshaw and George Kamel answer your questions and discuss:
“I'm embarrassed about how bad my finances are even though I make $150,000 a year. What can I do to fix this?”
“Our student loan payments are $2,000 a month. How do we manage these payments with our living expenses?”
“I haven't paid on my second mortgage since 2010.”
“Should I leave my stable job for a consulting job?”
“Should I sell my house to fix my financial mess?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💰 How much do you need to invest each month to retire a millionaire?
💵 Start your free budget today. Download the EveryDollar app!
🗓️ Set and actually reach your goals with the NEW 2027 Ramsey Goal Planner! Hurry—they sell out every year!
🚢 Cruise With Dave Ramsey and 2,500 Ramsey People
❤️🩹 Get trusted insurance coverage that fits your budget
Connect With Our Sponsors:
Go to Angel to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
Don’t try to figure out Medicare alone. Go to Chapter to connect with an advisor!
Save 10% (up to $250) at Christian Brothers Automotive with your exclusive Ramsey discount.
Receive 50% credit towards your first month with Christian Healthcare Ministries. Use code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
Get 20% off when you join DeleteMe
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today.
Visit Helix Sleep for special offers!
Use code RAMSEY to save 20% at Mama Bear Legal Forms
Visit NetSuite today to learn more.
Sign up for your free trial at Shopify.
Make navigating healthcare easier. Go to Solace Health to see if you qualify.
Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!
Try ZipRecruiter for free today.
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💰 George Kamel
📈 EntreLeadership
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
Don’t Let Others Control Your Future
2:04:14
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
George Kamel and Rachel Cruze answer your questions and discuss:
“My uncle embezzled money from our family business and left us in debt.”
“We have $87,000 in gambling debt—how do we tackle it?”
“My husband wants me to sign a postnup as a condition to working on our marriage.”
“Should I retire from my job to start getting my pension, then get another job?”
“Should I cash out my whole life insurance policy to pay off debt?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💰 How much do you need to invest each month to retire a millionaire?
💵 Start your free budget today. Download the EveryDollar app!
🧮 Need help with your taxes? See who we trust.
🚢 Cruise With Dave Ramsey and 2,500 Ramsey People
❤️🩹 Get trusted insurance coverage that fits your budget
Connect With Our Sponsors:
Go to Angel to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
Don’t try to figure out Medicare alone. Go to Chapter to connect with an advisor!
Save 10% (up to $250) at Christian Brothers Automotive with your exclusive Ramsey discount.
Receive 50% credit towards your first month with Christian Healthcare Ministries. Use code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
Get 20% off when you join DeleteMe
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today.
Visit Helix Sleep for special offers!
Use code RAMSEY to save 20% at Mama Bear Legal Forms
Visit NetSuite today to learn more.
Sign up for your free trial at Shopify.
Make navigating healthcare easier. Go to Solace Health to see if you qualify.
Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!
Try ZipRecruiter for free today.
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💰 George Kamel
📈 EntreLeadership
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
You Don't Win With Money By Accident
2:07:16
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
Dave Ramsey and George Kamel answer your questions and discuss:
“My business is losing $13,500 a month—should I keep trying to save it?”
“I took out a predatory loan with 275% interest and fees. How do I get out of this?”
“Should I undo the prenup I made my husband sign 10 years ago?”
“My homeowners insurance wants me to replace my roof when it doesn’t need to be replaced. Should I just drop the insurance?”
“How do I enter the financial advisor industry with integrity when there are so many bad products out there?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💰 How much do you need to invest each month to retire a millionaire?
💵 Start your free budget today. Download the EveryDollar app!
🚢 Cruise With Dave Ramsey and 2,500 Ramsey People
❤️🩹 Get trusted insurance coverage that fits your budget
📈 Check Out George’s Free Investing Guide
Connect With Our Sponsors:
Go to Angel to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
Don’t try to figure out Medicare alone. Go to Chapter to connect with an advisor!
Save 10% (up to $250) at Christian Brothers Automotive with your exclusive Ramsey discount.
Receive 50% credit towards your first month with Christian Healthcare Ministries. Use code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
Get 20% off when you join DeleteMe
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today.
Visit Helix Sleep for special offers!
Use code RAMSEY to save 20% at Mama Bear Legal Forms
Visit NetSuite today to learn more.
Sign up for your free trial at Shopify.
Make navigating healthcare easier. Go to Solace Health to see if you qualify.
Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!
Try ZipRecruiter for free today.
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💰 George Kamel
📈 EntreLeadership
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
Your Money Habits Matter More Than Math
2:06:39
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
Dave Ramsey and Rachel Cruze answer your questions and discuss:
“Is it ethical to use child support money to pay off debt?”
“My commute is five hours—should I find another job?”
“My fiancée got in a car wreck a few days before our wedding and I feel obligated to help with the bills.”
“Should I empty my retirement savings to pay off my first and second mortgages?”
“What’s the best way to walk away from my Indexed Universal Life (IUL) insurance policy?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💰 How much do you need to invest each month to retire a millionaire?
💵 Start your free budget today. Download the EveryDollar app!
🏡 Find a Ramsey Trusted Real Estate Agent
🚢 Cruise With Dave Ramsey and 2,500 Ramsey People
Connect With Our Sponsors:
Go to Angel to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
Don’t try to figure out Medicare alone. Go to Chapter to connect with an advisor!
Save 10% (up to $250) at Christian Brothers Automotive with your exclusive Ramsey discount.
Receive 50% credit towards your first month with Christian Healthcare Ministries. Use code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
Get 20% off when you join DeleteMe
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today.
Visit Helix Sleep for special offers!
Use code RAMSEY to save 20% at Mama Bear Legal Forms
Visit NetSuite today to learn more.
Sign up for your free trial at Shopify.
Make navigating healthcare easier. Go to Solace Health to see if you qualify.
Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!
Try ZipRecruiter for free today.
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💰 George Kamel
📈 EntreLeadership
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
Make A Plan Your Future Can Trust
2:07:28
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
George Kamel and Dr. John Delony answer your questions and discuss:
“I’m in debt and lost my job. What should I do?”
“Am I in a vulnerable situation because my husband has control over our money?”
“How do my fiancée and I get on the same page financially after there’s been financial distrust?”
“How can I get my husband to sell our Bitcoin and pay off our house?”
“How do I pay off my debt after recovering from addiction?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💰 How much do you need to invest each month to retire a millionaire?
💵 Start your free budget today. Download the EveryDollar app!
🏡 Find a Ramsey Trusted Real Estate Agent
🚢 Cruise With Dave Ramsey and 2,500 Ramsey People
❤️🩹 Get trusted insurance coverage that fits your budget
Connect With Our Sponsors:
Go to Angel to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
Don’t try to figure out Medicare alone. Go to Chapter to connect with an advisor!
Save 10% (up to $250) at Christian Brothers Automotive with your exclusive Ramsey discount.
Receive 50% credit towards your first month with Christian Healthcare Ministries. Use code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
Get 20% off when you join DeleteMe
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today.
Visit Helix Sleep for special offers!
Use code RAMSEY to save 20% at Mama Bear Legal Forms
Visit NetSuite today to learn more.
Sign up for your free trial at Shopify.
Make navigating healthcare easier. Go to Solace Health to see if you qualify.
Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!
Try ZipRecruiter for free today.
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💰 George Kamel
📈 EntreLeadership
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
Stop Settling for a Life You Hate
2:07:19
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
Jade Warshaw and Dr. John Delony answer your questions and discuss:
“Should I pay off my fiancé's debt or help my parents keep their home?”
“How can I support my husband after his parents sabotaged us financially?”
“How do I help my parents financially when they are irresponsible with money?”
“Can I pull money from my 401(k) to pay off debt?”
“How can I approach an older family member about their estate planning?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💰 How much do you need to invest each month to retire a millionaire?
💵 Start your free budget today. Download the EveryDollar app!
🏡 Find a Ramsey Trusted Real Estate Agent
🚢 Cruise With Dave Ramsey and 2,500 Ramsey People
🧮 Need help with your taxes? See who we trust.
Connect With Our Sponsors:
Go to Angel to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
Don’t try to figure out Medicare alone. Go to Chapter to connect with an advisor!
Save 10% (up to $250) at Christian Brothers Automotive with your exclusive Ramsey discount.
Receive 50% credit towards your first month with Christian Healthcare Ministries. Use code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
Get 20% off when you join DeleteMe
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today.
Visit Helix Sleep for special offers!
Use code RAMSEY to save 20% at Mama Bear Legal Forms
Visit NetSuite today to learn more.
Sign up for your free trial at Shopify.
Make navigating healthcare easier. Go to Solace Health to see if you qualify.
Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!
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The Hard Road Leads to Freedom
2:09:11
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
Jade Warshaw and Rachel Cruze answer your questions and discuss:
“Am I doing my son a disservice by adding him as an authorized user to my credit card?”
“My step-siblings are trying to cut me out of my dad's will. Should I fight this?”
“I feel stuck in a relationship because I can't find a job and filed for bankruptcy. How do I get my money back on track?”
“Is using debt to expand a business worth the risk?”
“At what point does it make financial sense to give up a 3% mortgage rate to move?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💰 How much do you need to invest each month to retire a millionaire?
💵 Start your free budget today. Download the EveryDollar app!
🧠 Replace guesswork with a plan at Master Series
🏢 Join the Crusade! Apply Now!
🚢 Cruise With Dave Ramsey and 2,500 Ramsey People
❤️🩹 Get trusted insurance coverage that fits your budget
Connect With Our Sponsors:
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Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
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Build Your Foundation Before You Build Wealth
2:08:24
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
Jade Warshaw and George Kamel answer your questions and discuss:
“My mom is spending all her savings on charities and donations. How do I get her to slow down?”
“I lost my job because my neighbors falsely accused me of a crime I did not commit.”
“I've been avoiding my debt for 15 years. How do I start the Baby Steps and stay committed to them?”
“We lost half our income after my wife decided to become a stay-at-home mom. How do we stay afloat?”
“Can my solar panel debt be canceled if the company went out of business?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
📈 Are you investing enough for retirement? Use our free retirement calculator!
💵 Start your free budget today. Download the EveryDollar app!
🧠 Replace guesswork with a plan at Master Series
🚢 Cruise With Dave Ramsey and 2,500 Ramsey People
🧮 Need help with your taxes? See who we trust.
❤️🩹 Get trusted insurance coverage that fits your budget
Connect With Our Sponsors:
Go to Angel Studios to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
Don’t try to figure out Medicare alone - you deserve peace of mind, not confusion. Go to Chapter to connect with an advisor today!
If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off
New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
Get 20% off when you join DeleteMe
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today.
Visit Helix Sleep for special offers!
Use code RAMSEY to save 20% at Mama Bear Legal Forms
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📈 EntreLeadership
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Building Wealth Requires the Courage to Make Unpopular Decisions
2:06:58
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
Jade Warshaw and George Kamel answer your questions and discuss:
My daughter stopped talking to me because I told her I will not go into debt to pay her college expenses
I'm scared of being sued by debt collectors
My financial advisor keeps pushing annuities and Indexed Universal Life. What should I do?
I'm struggling to make the payments on my house
My mom and my husband don't want me to close my credit cards
Should my parents leave a share of their inheritance to my kids instead of just me?
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💵 Start your free budget today. Download the EveryDollar app!
🚢 Cruise With Dave Ramsey and 2,500 Ramsey People
🧮 Need help with your taxes? See who we trust.
❤️🩹 Get trusted insurance coverage that fits your budget
Connect With Our Sponsors:
Go to Angel Studios to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
Don’t try to figure out Medicare alone - you deserve peace of mind, not confusion. Go to Chapter to connect with an advisor today!
If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off
New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
Get 20% off when you join DeleteMe
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today.
Visit Helix Sleep for special offers!
Use code RAMSEY to save 20% at Mama Bear Legal Forms
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Sign up for your $1.00/month trial at Shopify.
Make navigating healthcare easier with a patient advocate. Go to Solace Health to see if you qualify.
Get started at World Watch OR use promo code RAMSEY for a 30-day free trial.
Get started with YRefy or call 844-2-RAMSEY
Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!
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Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
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💰 George Kamel
🪑 Front Row Seat with Ken Coleman
📈 EntreLeadership
Ramsey Solutions Privacy Policy
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Change Your Habits, Change Your Life
2:09:37
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
George Kamel and Dr. John Delony answer your questions and discuss:
“Should we get engaged knowing we're going to have a massive combined amount of student loan debt?”
“I make $1 million a year and want to buy a $1.3 million property—how much should I put down as a down payment?”
“My husband doesn't believe in saving for retirement.”
“As a single dad, how do I get out of debt and stop living paycheck-to-paycheck?”
“Should I cash out my retirement account to pay off debt?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💵 Start your free budget today. Download the EveryDollar app!
🚢 Cruise With Dave Ramsey and 2,500 Ramsey People
🧮 Need help with your taxes? See who we trust.
❤️🩹 Get trusted insurance coverage that fits your budget
Connect With Our Sponsors:
Go to Angel Studios to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
Don’t try to figure out Medicare alone - you deserve peace of mind, not confusion. Go to Chapter to connect with an advisor today!
If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off
New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
Get 20% off when you join DeleteMe
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today.
Visit Helix Sleep for special offers!
Use code RAMSEY to save 20% at Mama Bear Legal Forms
Visit NetSuite today to learn more.
Sign up for your $1.00/month trial at Shopify.
Make navigating healthcare easier with a patient advocate. Go to Solace Health to see if you qualify.
Get started at World Watch OR use promo code RAMSEY for a 30-day free trial.
Get started with YRefy or call 844-2-RAMSEY
Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!
Try ZipRecruiter for free today.
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💡 The Rachel Cruze Show
💰 George Kamel
🪑 Front Row Seat with Ken Coleman
📈 EntreLeadership
Ramsey Solutions Privacy Policy
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Break The Borrowing Cycle
2:08:37
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
Rachel Cruze and Jade Warshaw answer your questions and discuss:
“Should my mother-in-law take out a reverse mortgage to buy stocks?”
“Is a prenup a fair thing to ask for, and will it protect me financially?”
“Social Security overpaid me and they want money back, but I can't afford it. What should I do?”
“We have income to support us for the rest of our lives, do we still need IRAs?”
“Should I stay in college as a young entrepreneur?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💵 Start your free budget today. Download the EveryDollar app!
🧮 Need help with your taxes? See who we trust.
🗓️ Set and actually reach your goals with the NEW 2027 Ramsey Goal Planner! Hurry—they sell out every year!
🚢 Cruise With Dave Ramsey and 2,500 Ramsey People
❤️🩹 Get trusted insurance coverage that fits your budget
Connect With Our Sponsors:
Go to Angel Studios to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
Don’t try to figure out Medicare alone - you deserve peace of mind, not confusion. Go to Chapter to connect with an advisor today!
If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off
New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
Get 20% off when you join DeleteMe
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today.
Visit Helix Sleep for special offers!
Use code RAMSEY to save 20% at Mama Bear Legal Forms
Visit NetSuite today to learn more.
Sign up for your $1.00/month trial at Shopify.
Make navigating healthcare easier with a patient advocate. Go to Solace Health to see if you qualify.
Get started at World Watch OR use promo code RAMSEY for a 30-day free trial.
Get started with YRefy or call 844-2-RAMSEY
Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!
Try ZipRecruiter for free today.
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💰 George Kamel
📈 EntreLeadership
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
Debt Doesn’t Have to Run Your Life
2:08:44
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
Rachel Cruze and Jade Warshaw answer your questions and discuss:
“My girlfriend wants to wait 20 years to get married so she doesn't lose survivor benefits”
“I am being sent to court by collections, should I reprioritize that debt and pay it off first?”
“My boyfriend and I have different views on money, should I break up with him?”
“How do we save to hire a caretaker for our son with special needs?”
“Our adjustable-rate mortgage matures in four years, should we cut back on our retirement investing in order to pay it off?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💵 Start your free budget today. Download the EveryDollar app!
🚢 Cruise With Dave Ramsey and 2,500 Ramsey People
🧮 Need help with your taxes? See who we trust
Connect With Our Sponsors:
Go to Angel Studios to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
Don’t try to figure out Medicare alone - you deserve peace of mind, not confusion. Go to Chapter to connect with an advisor today!
If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off
New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
Get 20% off when you join DeleteMe
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today.
Visit Helix Sleep for special offers!
Use code RAMSEY to save 20% at Mama Bear Legal Forms
Visit NetSuite today to learn more.
Sign up for your $1.00/month trial at Shopify.
Make navigating healthcare easier with a patient advocate. Go to Solace Health to see if you qualify.
Get started at World Watch OR use promo code RAMSEY for a 30-day free trial.
Get started with YRefy or call 844-2-RAMSEY
Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!
Try ZipRecruiter for free today.
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💡 The Rachel Cruze Show
💰 George Kamel
🪑 Front Row Seat with Ken Coleman
📈 EntreLeadership
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
Stop Making Excuses and Start Making Progress
2:07:35
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
George Kamel and Jade Warshaw answer your questions and discuss:
“Should we spend $200,000 on a pool?”
“I filed Chapter 13 bankruptcy, how do I pay my bills after they deduct the debt payments?”
“Our advisor wants to manage all our assets and just give us a monthly payout. Is this safe?”
“I never want to own a home again, can I still build wealth?”
“Can I surrender my late husband's property back to the bank instead of paying it off?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💵 Start your free budget today. Download the EveryDollar app!
🗓️ Set and actually reach your goals with the NEW 2027 Ramsey Goal Planner! Hurry—they sell out every year!
🧮 Need help with your taxes? See who we trust.
❤️🩹 Get trusted insurance coverage that fits your budget
🚢 Cruise With Dave Ramsey and 2,500 Ramsey People
❓ Questions to Ask Your Financial Advisor
Connect With Our Sponsors:
Go to Angel Studios to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
Don’t try to figure out Medicare alone - you deserve peace of mind, not confusion. Go to Chapter to connect with an advisor today!
If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off
New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
Get 20% off when you join DeleteMe
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today.
Visit Helix Sleep for special offers!
Use code RAMSEY to save 20% at Mama Bear Legal Forms
Visit NetSuite today to learn more.
Sign up for your $1.00/month trial at Shopify.
Make navigating healthcare easier with a patient advocate. Go to Solace Health to see if you qualify.
Get started at World Watch OR use promo code RAMSEY for a 30-day free trial.
Get started with YRefy or call 844-2-RAMSEY
Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!
Try ZipRecruiter for free today.
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💡 The Rachel Cruze Show
💰 George Kamel
🪑 Front Row Seat with Ken Coleman
📈 EntreLeadership
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
Focus On What You Can Control With Your Money
2:09:28
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
Rachel Cruze and Dr. John Delony answer your questions and discuss:
“My husband got into over $1,000,000 of gambling debt behind my back. Should we sell the house to get out of this?”
“I have been leveraging homes and now I am in a bind with $920,000 of debt. How do I get out of this?”
“My father-in-law wants to loan us $400,000 from my husband’s inheritance to buy a home. Should we do it?”
“My parents are in debt with no money. How do we help them without causing disputes within the family?”
“How do I get my wife on board with the Ramsey plan when she doesn’t trust me with our finances?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💵 Start your free budget today. Download the EveryDollar app!
🧮 Need help with your taxes? See who we trust
🚢 Cruise With Dave Ramsey and 2,500 Ramsey People
Connect With Our Sponsors:
Go to Angel Studios to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
Don’t try to figure out Medicare alone - you deserve peace of mind, not confusion. Go to Chapter to connect with an advisor today!
If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off
New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
Get 20% off when you join DeleteMe
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today.
Visit Helix Sleep for special offers!
Use code RAMSEY to save 20% at Mama Bear Legal Forms
Visit NetSuite today to learn more.
Sign up for your $1.00/month trial at Shopify.
Make navigating healthcare easier with a patient advocate. Go to Solace Health to see if you qualify.
Get started at World Watch OR use promo code RAMSEY for a 30-day free trial.
Get started with YRefy or call 844-2-RAMSEY
Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!
Try ZipRecruiter for free today.
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💡 The Rachel Cruze Show
💰 George Kamel
🪑 Front Row Seat with Ken Coleman
📈 EntreLeadership
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
Stop Living in Financial Chaos
2:08:30
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
George Kamel and Dr. John Delony answer your questions and discuss:
“How do we prioritize our finances when our income is paid in cows?”
“My soon-to-be ex-husband lied about our financial statements. What should I do?”
“Can I still retire early since I had to pay my half of the mortgage to my ex-wife?”
“How do I save up for medical school if I want to do it debt-free?”
“Should we sell our house if it's limiting our long-term financial freedom?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💵 Start your free budget today. Download the EveryDollar app!
🧮 Need help with your taxes? See who we trust.
🏡 Get organized and prepared to buy or sell a home
❤️🩹 Get trusted insurance coverage that fits your budget
🚢 Cruise With Dave Ramsey and 2,500 Ramsey People
💲Get Our Free Guide To Choose A Mutual Fund
Connect With Our Sponsors:
Go to Angel Studios to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
Don’t try to figure out Medicare alone - you deserve peace of mind, not confusion. Go to Chapter to connect with an advisor today!
If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off
New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
Get 20% off when you join DeleteMe
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today.
Visit Helix Sleep for special offers!
Use code RAMSEY to save 20% at Mama Bear Legal Forms
Visit NetSuite today to learn more.
Sign up for your $1.00/month trial at Shopify.
Make navigating healthcare easier with a patient advocate. Go to Solace Health to see if you qualify.
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Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
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💰 George Kamel
🪑 Front Row Seat with Ken Coleman
📈 EntreLeadership
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Progress Requires Discipline
2:09:26
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
Jade Warshaw and Dr. John Delony answer your questions and discuss:
“My parents are going through a divorce, how do I mediate so my mom doesn't take advantage of my dad?”
“My wife is against me gifting my parents a house, how do I talk to her about this?”
“My wife's family is constantly disrespecting us, how do we work through this when she works in the family business?”
“I failed the Bar exam four times, should I keep trying to pass the test or move on and focus on my business?”
“How does an engaged older couple discuss finances and retirement?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💵 Start your free budget today. Download the EveryDollar app!
🏡 Find a Ramsey Trusted Real Estate Agent
❤️🩹 Get trusted insurance coverage that fits your budget
🧮 Need help with your taxes? See who we trust.
Connect With Our Sponsors:
Go to Angel Studios to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
Don’t try to figure out Medicare alone - you deserve peace of mind, not confusion. Go to Chapter to connect with an advisor today!
If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off
New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
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Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
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Make navigating healthcare easier with a patient advocate. Go to Solace Health to see if you qualify.
Get started at World Watch OR use promo code RAMSEY for a 30-day free trial.
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Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!
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Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💡 The Rachel Cruze Show
💰 George Kamel
🪑 Front Row Seat with Ken Coleman
📈 EntreLeadership
Ramsey Solutions Privacy Policy
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It’s Time to Face Your Financial Reality
2:08:51
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
Rachel Cruze and Jade Warshaw answer your questions and discuss:
“My husband lost his job, our finances are a mess, and it's starting to affect our marriage.”
“My father is spending all his money on food, I'm worried he is going to blow all his savings. How do I talk to him?”
“Should I take out a business loan to start a business with my brother at 18 years old?”
“Should I keep my home with a high mortgage payment with the hope that it will appreciate in a few years?”
“How do we get information about a trust my father-in-law made for our son?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💵 Start your free budget today. Download the EveryDollar app!
🗓️ Set and actually reach your goals with the NEW 2027 Ramsey Goal Planner! Hurry—they sell out every year!
🧮 Need help with your taxes? See who we trust.
🚢 Cruise With Dave Ramsey and 2,500 Ramsey People
Connect With Our Sponsors:
Go to Angel Studios to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
Don’t try to figure out Medicare alone - you deserve peace of mind, not confusion. Go to Chapter to connect with an advisor today!
If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off
New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
Get 20% off when you join DeleteMe
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today.
Visit Helix Sleep for special offers!
Use code RAMSEY to save 20% at Mama Bear Legal Forms
Visit NetSuite today to learn more.
Sign up for your $1.00/month trial at Shopify.
Make navigating healthcare easier with a patient advocate. Go to Solace Health to see if you qualify.
Get started at World Watch OR use promo code RAMSEY for a 30-day free trial.
Get started with YRefy or call 844-2-RAMSEY
Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!
Try ZipRecruiter for free today.
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💡 The Rachel Cruze Show
💰 George Kamel
🪑 Front Row Seat with Ken Coleman
📈 EntreLeadership
Ramsey Solutions Privacy Policy
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Wisdom Starts Where Debt Ends
2:08:55
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
George Kamel and Rachel Cruze answer your questions and discuss:
“Should I pay off my daughter's mortgage?”
“My parents told me if I pay off their home they will deed it to me. Are there any tax implications to this?”
“I paid off my home but I don't feel as free as I thought I would be. Am I doing something wrong?”
“My siblings took advantage of my mom and bankrupted her. What should I do?”
“I have run out of money for college, and I feel like I am being forced to take out student loans.”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💵 Start your free budget today. Download the EveryDollar app!
🏡 Find a Ramsey Trusted Real Estate Agent
🧮 Need help with your taxes? See who we trust.
🚢 Cruise With Dave Ramsey and 2,500 Ramsey People
Connect With Our Sponsors:
Go to Angel Studios to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
Don’t try to figure out Medicare alone - you deserve peace of mind, not confusion. Go to Chapter to connect with an advisor today!
If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off
New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
Get 20% off when you join DeleteMe
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today.
Visit Helix Sleep for special offers!
Use code RAMSEY to save 20% at Mama Bear Legal Forms
Visit NetSuite today to learn more.
Sign up for your $1.00/month trial at Shopify.
Make navigating healthcare easier with a patient advocate. Go to Solace Health to see if you qualify.
Get started at World Watch OR use promo code RAMSEY for a 30-day free trial.
Get started with YRefy or call 844-2-RAMSEY
Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!
Try ZipRecruiter for free today.
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💡 The Rachel Cruze Show
💰 George Kamel
🪑 Front Row Seat with Ken Coleman
📈 EntreLeadership
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
Slow Money Moves Still Matter
2:08:08
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
George Kamel and Rachel Cruze answer your questions and discuss:
“My husband is taking money out of our accounts behind my back. What should I do?”
“I’m $120,000 in debt—should I file for bankruptcy or drain my Roth IRA?”
“I’m recently divorced and starting over at age 60. How do I rebuild my retirement?”
“My family thinks we’re broke because we follow our budget and say ‘no’ a lot. Is it boasting to tell them we’re actually doing well?”
“I just lost my job—should I go ahead and start a business?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💵 Start your free budget today. Download the EveryDollar app!
🗓️ Set and actually reach your goals with the NEW 2027 Ramsey Goal Planner! Hurry—they sell out every year!
🚢 Cruise With Dave Ramsey and 2,500 Ramsey People
Connect With Our Sponsors:
Go to Angel Studios to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
Don’t try to figure out Medicare alone - you deserve peace of mind, not confusion. Go to Chapter to connect with an advisor today!
If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off
New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
Get 20% off when you join DeleteMe
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today.
Visit Helix Sleep for special offers!
Use code RAMSEY to save 20% at Mama Bear Legal Forms
Visit NetSuite today to learn more.
Sign up for your $1.00/month trial at Shopify.
Make navigating healthcare easier with a patient advocate. Go to Solace Health to see if you qualify.
Get started at World Watch OR use promo code RAMSEY for a 30-day free trial.
Get started with YRefy or call 844-2-RAMSEY
Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!
Try ZipRecruiter for free today.
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💡 The Rachel Cruze Show
💰 George Kamel
🪑 Front Row Seat with Ken Coleman
📈 EntreLeadership
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
The Best Return Isn’t Always Money
2:07:29
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
George Kamel and Dr. John Delony answer your questions and discuss:
“My husband says he will only stay in our marriage if I make him the beneficiary of my money. What should I do?”
“I’m $320,000 in debt and struggling to make my payments, what should I do to get out of this mess?”
“Can I go into debt to fight a wrongful termination?”
“If I don’t work overtime, I can’t make progress on my money goals. How do I sustain this pace of life?”
“I’m in $78,000 of debt and can’t find where my money is going.”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💵 Start your free budget today. Download the EveryDollar app!
🦸 For help with investing or retirement planning, get connected with a SmartVestor Pro!
❤️🩹 Get trusted insurance coverage that fits your budget
🚢 Cruise With Dave Ramsey and 2,500 Ramsey People
Connect With Our Sponsors:
Go to Angel Studios to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
Don’t try to figure out Medicare alone - you deserve peace of mind, not confusion. Go to Chapter to connect with an advisor today!
If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off
New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
Get 20% off when you join DeleteMe
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today.
Visit Helix Sleep for special offers!
Use code RAMSEY to save 20% at Mama Bear Legal Forms
Visit NetSuite today to learn more.
Sign up for your $1.00/month trial at Shopify.
Make navigating healthcare easier with a patient advocate. Go to Solace Health to see if you qualify.
Get started at World Watch OR use promo code RAMSEY for a 30-day free trial.
Get started with YRefy or call 844-2-RAMSEY
Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!
Try ZipRecruiter for free today.
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💡 The Rachel Cruze Show
💰 George Kamel
🪑 Front Row Seat with Ken Coleman
📈 EntreLeadership
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
Normal Money Habits Don’t Build Wealth
2:07:58
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
Dave Ramsey and George Kamel answer your questions and discuss:
“We’re in $900,000 of student loan debt, I just lost my job, and now we’re drowning. How do we get out of this mess?”
“My husband is about to make a decision that could ruin us financially. How do I best protect myself?”
“Does signing a prenup set us up for a marriage where we’re keeping score rather than being true financial partners?”
“I had my identity stolen and a student loan was taken out in my name. How do I fix this?”
“We’re being sold hard on IUL accounts—are these too good to be true?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💵 Start your free budget today. Download the EveryDollar app!
🏡 Get organized and prepared to buy or sell a home
❤️🩹 Get trusted insurance coverage that fits your budget
🚢 Cruise With Dave Ramsey and 2,500 Ramsey People
Connect With Our Sponsors:
Go to Angel Studios to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
Don’t try to figure out Medicare alone - you deserve peace of mind, not confusion. Go to Chapter to connect with an advisor today!
If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off
New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
Get 20% off when you join DeleteMe
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today.
Visit Helix Sleep for special offers!
Use code RAMSEY to save 20% at Mama Bear Legal Forms
Visit NetSuite today to learn more.
Sign up for your $1.00/month trial at Shopify.
Make navigating healthcare easier with a patient advocate. Go to Solace Health to see if you qualify.
Get started at World Watch OR use promo code RAMSEY for a 30-day free trial.
Get started with YRefy or call 844-2-RAMSEY
Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!
Try ZipRecruiter for free today.
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💡 The Rachel Cruze Show
💰 George Kamel
🪑 Front Row Seat with Ken Coleman
📈 EntreLeadership
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
You Can’t Hack Your Way Out of Debt
2:08:23
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
Dave Ramsey and Rachel Cruze answer your questions and discuss:
“My wife is facing bankruptcy because of her father's poor business dealings. How do I navigate this?”
“My wife's father took out ParentPLUS loans for her and her siblings, has since disowned her, and is making her pay all of it.”
“Should I use my cryptocurrency to pay off my house?”
“I'm 64 years old with $17,000 of debt and nothing saved for retirement. Is it too late for me to build wealth?”
“What should I disclose to my boyfriend about my wealth as we get more serious?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💵 Start your free budget today. Download the EveryDollar app!
🦸 For help with investing or retirement planning, get connected with a SmartVestor Pro!
❤️🩹 Get trusted insurance coverage that fits your budget
🚢 Cruise With Dave Ramsey and 2,500 Ramsey People
Connect With Our Sponsors:
Go to Angel Studios to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
Don’t try to figure out Medicare alone - you deserve peace of mind, not confusion. Go to Chapter to connect with an advisor today!
If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off
New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
Get 20% off when you join DeleteMe
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today.
Visit Helix Sleep for special offers!
Use code RAMSEY to save 20% at Mama Bear Legal Forms
Visit NetSuite today to learn more.
Sign up for your $1.00/month trial at Shopify.
Make navigating healthcare easier with a patient advocate. Go to Solace Health to see if you qualify.
Get started at World Watch OR use promo code RAMSEY for a 30-day free trial.
Get started with YRefy or call 844-2-RAMSEY
Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!
Try ZipRecruiter for free today.
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💡 The Rachel Cruze Show
💰 George Kamel
🪑 Front Row Seat with Ken Coleman
📈 EntreLeadership
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
Short-Term Pain, Long-Term Peace
2:09:01
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
Dave Ramsey and Jade Warshaw answer your questions and discuss:
“My homeowners insurance says I can't run a business out of my home, how does this work with side hustles?”
“Our mortgage is 50% of our income and we are dipping into our emergency fund every month in order to survive. What do we do?”
“My husband doesn't want to support my children from a previous marriage, should we keep separate finances?”
“My cousin passed away and left me to manage the money she left for her granddaughter, how do I invest this money?”
“Is it worth it to fight with my husband over hidden assets in a divorce when I have a large income?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💵 Start your free budget today. Download the EveryDollar app!
🏡 Find a Ramsey Trusted Real Estate Agent
❤️🩹 Get trusted insurance coverage that fits your budget
🚢 Cruise With Dave Ramsey and 2,500 Ramsey People
Connect With Our Sponsors:
Go to Angel Studios to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
Don’t try to figure out Medicare alone - you deserve peace of mind, not confusion. Go to Chapter to connect with an advisor today!
If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off
New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
Get 20% off when you join DeleteMe
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today.
Visit Helix Sleep for special offers!
Use code RAMSEY to save 20% at Mama Bear Legal Forms
Visit NetSuite today to learn more.
Sign up for your $1.00/month trial at Shopify.
Make navigating healthcare easier with a patient advocate. Go to Solace Health to see if you qualify.
Get started at World Watch OR use promo code RAMSEY for a 30-day free trial.
Get started with YRefy or call 844-2-RAMSEY
Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!
Try ZipRecruiter for free today.
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💡 The Rachel Cruze Show
💰 George Kamel
🪑 Front Row Seat with Ken Coleman
📈 EntreLeadership
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
Don't Be A Slave To The Lender
2:09:53
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
George Kamel and Dr. John Delony answer your questions and discuss:
“My father stopped paying his credit card because they stole his points, and now he's being sued. What should he do?”
“How do I navigate having a young baby, starting a business, and my wife losing her job?”
“I’m in $100,000 of debt and it’s stressing me out. What should I do to get out of this?”
“I am house hacking in a low-income area and I hate my living conditions.”
“How do we get out of the cycle of living paycheck-to-paycheck?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💵 Start your free budget today. Download the EveryDollar app!
🏡 Get organized and prepared to buy or sell a home
❤️🩹 Get trusted insurance coverage that fits your budget
💰 How to Buy an Affordable Home You Love
Connect With Our Sponsors:
Go to Angel Studios to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
Don’t try to figure out Medicare alone - you deserve peace of mind, not confusion. Go to Chapter to connect with an advisor today!
If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off
New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
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📈 EntreLeadership
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The Right Financial Decision Starts With Understanding the Problem
2:06:47
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
George Kamel and Jade Warshaw answer your questions and discuss:
My husband is cheating on me and hiding his credit card debt
How do I budget for a high maintenance girlfriend?
My car payment is $955 a month, should I sell the car?
How do we navigate rising living expenses?
My hospital bill went to collections but it was more than what I agreed on when I went to the hospital, what should I do?
I have $164,000 of student loan debt, should I pursue public loan forgiveness?
We have $100,000 in cash sitting in a safe, is this a good idea?
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💵 Start your free budget today. Download the EveryDollar app!
🏡 Get organized and prepared to buy or sell a home
❤️🩹 Get trusted insurance coverage that fits your budget
Connect With Our Sponsors:
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Get 10% off your first month of BetterHelp
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Don’t try to figure out Medicare alone - you deserve peace of mind, not confusion. Go to Chapter to connect with an advisor today!
If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off
New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
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Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
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Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
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📈 EntreLeadership
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Your Goals Need Numbers, Not Wishes
2:06:57
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
Dave Ramsey and Rachel Cruze answer your questions and discuss:
“My husband racked up $1 million of debt in three years for his vending machine business. Should we file for bankruptcy?”
“I followed bad real estate advice to build my portfolio and it's stressing me out. Should I sell these properties?”
“My financial advisor told me I can't afford to buy a horse.”
“My grandmother gave half of my mom's inheritance to me and my siblings. Should I give it back to her?”
“I'm 53, newly divorced and barely surviving. How do I begin to dig myself out of this hole?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💵 Start your free budget today. Download the EveryDollar app!
🏡 Find a Ramsey Trusted Real Estate Agent
🚢 Cruise With Dave Ramsey and 2,500 Ramsey People
❤️🩹 Get trusted insurance coverage that fits your budget
Connect With Our Sponsors:
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If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off
New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
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Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
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🪑 Front Row Seat with Ken Coleman
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You Can't Stumble Your Way Into Financial Freedom
2:08:42
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
George Kamel and Rachel Cruze answer your questions and discuss:
“Should we drain our emergency fund to pay off our house?”
“Is it worth it to leave my stable job to possibly make more money elsewhere?”
“How do I convince my husband to get on board with transforming our finances?”
“Should we get a home equity loan to get out of debt faster?”
“Can I afford a $40,000 car if I am already in debt?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💵 Start your free budget today. Download the EveryDollar app!
❤️🩹 Get trusted insurance coverage that fits your budget
🏡 Get organized and prepared to buy or sell a home
Connect With Our Sponsors:
Go to Angel Studios to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
Don’t try to figure out Medicare alone - you deserve peace of mind, not confusion. Go to Chapter to connect with an advisor today!
If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off
New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
Get 20% off when you join DeleteMe
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today.
Visit Helix Sleep for special offers!
Use code RAMSEY to save 20% at Mama Bear Legal Forms
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Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!
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Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💡 The Rachel Cruze Show
💰 George Kamel
🪑 Front Row Seat with Ken Coleman
📈 EntreLeadership
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
Different Outcomes Require Different Choices
2:09:04
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
Dave Ramsey and Jade Warshaw answer your questions and discuss:
“I’m 64 with nothing saved for retirement and I owe the IRS. Is it possible for me to retire now?”
“We make $120,000 a year but we’re still living paycheck-to-paycheck. How do we get out of this?”
“My house has been for sale since January. How can I get it to finally sell?”
“I bought a house with my sister and now we’re fighting because I disapprove of her boyfriend. Should I get out of this?”
“I maxed out my credit card to start my business. Should I get a debt consolidation loan?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💵 Start your free budget today. Download the EveryDollar app!
❤️🩹 Get trusted insurance coverage that fits your budget
🎟️ Your Last Chance to Join Investing Essentials
Connect With Our Sponsors:
Go to Angel Studios to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
Don’t try to figure out Medicare alone - you deserve peace of mind, not confusion. Go to Chapter to connect with an advisor today!
If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off
New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
Get 20% off when you join DeleteMe
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today.
Visit Helix Sleep for special offers!
Use code RAMSEY to save 20% at Mama Bear Legal Forms
Visit NetSuite today to learn more.
Sign up for your $1.00/month trial at Shopify.
Make navigating healthcare easier with a patient advocate. Go to Solace Health to see if you qualify.
Get started at World Watch OR use promo code RAMSEY for a 30-day free trial.
Get started with YRefy or call 844-2-RAMSEY
Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!
Try ZipRecruiter for free today.
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💡 The Rachel Cruze Show
💰 George Kamel
🪑 Front Row Seat with Ken Coleman
📈 EntreLeadership
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
The Price of Freedom Is Discomfort
2:09:06
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
Dave Ramsey and Jade Warshaw answer your questions and discuss:
“Should I tell my wife that I've been secretly paying off debt and building wealth?”
“How do I stop my husband from ruining our finances?”
“How do wealthy people protect their wealth?”
“My pay went down by 75%, should I downsize my house?”
“How do I help my daughter with autism not be taken advantage of by people?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💵 Start your free budget today. Download the EveryDollar app!
🎟️ Your Last Chance to Join Investing Essentials
Connect With Our Sponsors:
Go to Angel Studios to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
Don’t try to figure out Medicare alone - you deserve peace of mind, not confusion. Go to Chapter to connect with an advisor today!
If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off
New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
Get 20% off when you join DeleteMe
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today.
Visit Helix Sleep for special offers!
Use code RAMSEY to save 20% at Mama Bear Legal Forms
Visit NetSuite today to learn more.
Sign up for your $1.00/month trial at Shopify.
Make navigating healthcare easier with a patient advocate. Go to Solace Health to see if you qualify.
Get started at World Watch OR use promo code RAMSEY for a 30-day free trial.
Get started with YRefy or call 844-2-RAMSEY
Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!
Try ZipRecruiter for free today.
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💡 The Rachel Cruze Show
💰 George Kamel
🪑 Front Row Seat with Ken Coleman
📈 EntreLeadership
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
Don’t Trade Peace for Payments
2:08:22
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
George Kamel and Jade Warshaw answer your questions and discuss:
“My husband controls all our finances and shuts down every time I bring up combining finances. What should I do?”
“I’ve been living off credit cards over the last year. How do I dig myself out of this hole?”
“My sister hasn’t spoken to me for a year after I took her to court to force the sale of a house. How do I heal this relationship?”
“I hate my job. Is it crazy to take a 70% pay cut to find more purpose in my career?”
“Can I buy a multifamily house and ‘house hack’ for my first home?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💵 Start your free budget today. Download the EveryDollar app!
🏡 Get organized and prepared to buy or sell a home
🎟️ Get your ticket for Investing Essentials today!
📈 Find Out How Much You Need To Invest To Retire A Millionaire
Connect With Our Sponsors:
Go to Angel Studios to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off
New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
Get 20% off when you join DeleteMe
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today.
Visit Helix Sleep for special offers!
Use code RAMSEY to save 20% at Mama Bear Legal Forms
Visit NetSuite today to learn more.
Sign up for your $1.00/month trial at Shopify.
Make navigating healthcare easier with a patient advocate. Go to Solace Health to see if you qualify.
Get started at World Watch OR use promo code RAMSEY for a 30-day free trial.
Get started with YRefy or call 844-2-RAMSEY
Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!
Try ZipRecruiter for free today.
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💰 George Kamel
📈 EntreLeadership
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
Stop Borrowing, Start Building Wealth
2:09:03
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
Jade Warshaw and Rachel Cruze answer your questions and discuss:
“Am I crazy to sell my house, invest the proceeds, and live on what those investments make?”
“I can't seem to make headway on my debt, what am I missing?”
“Should I take out a $110,000 loan to pay off my girlfriend's debt?”
“How do I rebuild my life after going through a divorce?”
“Should I use a large portion of my savings to pay off student loans?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💵 Start your free budget today. Download the EveryDollar app!
❤️🩹 Get trusted insurance coverage that fits your budget
🎟️ Get your ticket for Investing Essentials today!
Connect With Our Sponsors:
Go to Angel Studios to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off
New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
Get 20% off when you join DeleteMe
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today.
Visit Helix Sleep for special offers!
Use code RAMSEY to save 20% at Mama Bear Legal Forms
Visit NetSuite today to learn more.
Sign up for your $1.00/month trial at Shopify.
Make navigating healthcare easier with a patient advocate. Go to Solace Health to see if you qualify.
Get started at World Watch OR use promo code RAMSEY for a 30-day free trial.
Get started with YRefy or call 844-2-RAMSEY
Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!
Try ZipRecruiter for free today.
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💰 George Kamel
📈 EntreLeadership
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
Increase Your Income, Expand Your Options
2:08:23
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
Dave Ramsey and Dr. John Delony answer your questions and discuss:
“Should I quit my secure job to chase a higher paying job with more risk?”
“How do we handle a house build estimate that came in way over budget?”
“I can't go any further in my career without a degree, should I go back to school?”
“Should I take out loans for my future wife or live on rice and beans to cashflow her schooling?”
“My rent is increasing and my credit score is bad, will moving help me pay off more debt?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💵 Start your free budget today. Download the EveryDollar app!
🎟️ Get your ticket for Investing Essentials today!
❤️🩹 Get trusted insurance coverage that fits your budget
🏡 Get organized and prepared to buy or sell a home
Connect With Our Sponsors:
Go to Angel Studios to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off
New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
Get 20% off when you join DeleteMe
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today.
Visit Helix Sleep for special offers!
Use code RAMSEY to save 20% at Mama Bear Legal Forms
Visit NetSuite today to learn more.
Sign up for your $1.00/month trial at Shopify.
Make navigating healthcare easier with a patient advocate. Go to Solace Health to see if you qualify.
Get started at World Watch OR use promo code RAMSEY for a 30-day free trial.
Get started with YRefy or call 844-2-RAMSEY
Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!
Try ZipRecruiter for free today.
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💰 George Kamel
📈 EntreLeadership
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
Quit Paying for Yesterday's Mistakes
2:09:46
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
Dave Ramsey and Jade Warshaw answer your questions and discuss:
“Should I purchase a house with my girlfriend if it's a great deal?”
“Our mortgage is 75% of our income, do we need to sell?”
“My financial advisor is telling me to invest instead of paying off my home.”
“How do I teach my daughter to handle money the right way when my ex-wife has different values?”
“My husband only contributes 17% of his income to the household account. Should I match him?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💵 Start your free budget today. Download the EveryDollar app!
❤️🩹 Get trusted insurance coverage that fits your budget
🏡 Get organized and prepared to buy or sell a home
🎟️ Get your ticket for Investing Essentials today!
Connect With Our Sponsors:
Go to Angel Studios to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off
New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
Get 20% off when you join DeleteMe
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today.
Visit Helix Sleep for special offers!
Use code RAMSEY to save 20% at Mama Bear Legal Forms
Visit NetSuite today to learn more.
Sign up for your $1.00/month trial at Shopify.
Make navigating healthcare easier with a patient advocate. Go to Solace Health to see if you qualify.
Get started at World Watch OR use promo code RAMSEY for a 30-day free trial.
Get started with YRefy or call 844-2-RAMSEY
Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!
Try ZipRecruiter for free today.
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💰 George Kamel
📈 EntreLeadership
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
Quit Paying for Yesterday's Mistakes
2:09:46
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
Dave Ramsey and Jade Warshaw answer your questions and discuss:
“Should I purchase a house with my girlfriend if it's a great deal?”
“Our mortgage is 75% of our income, do we need to sell?”
“My financial advisor is telling me to invest instead of paying off my home.”
“How do I teach my daughter to handle money the right way when my ex-wife has different values?”
“My husband only contributes 17% of his income to the household account. Should I match him?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💵 Start your free budget today. Download the EveryDollar app!
❤️🩹 Get trusted insurance coverage that fits your budget
🏡 Get organized and prepared to buy or sell a home
🎟️ Get your ticket for Investing Essentials today!
Connect With Our Sponsors:
Go to Angel Studios to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off
New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
Get 20% off when you join DeleteMe
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today.
Visit Helix Sleep for special offers!
Use code RAMSEY to save 20% at Mama Bear Legal Forms
Visit NetSuite today to learn more.
Sign up for your $1.00/month trial at Shopify.
Make navigating healthcare easier with a patient advocate. Go to Solace Health to see if you qualify.
Get started at World Watch OR use promo code RAMSEY for a 30-day free trial.
Get started with YRefy or call 844-2-RAMSEY
Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!
Try ZipRecruiter for free today.
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💰 George Kamel
📈 EntreLeadership
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
Behavior Matters More Than Math
2:08:54
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
Dave Ramsey and Rachel Cruze answer your questions and discuss:
“My father-in-law bought us a $1 million house. I’m paying him back, but the house is not in my name. Is this a problem?”
“I spent all my retirement beating cancer. Now I am starting over at 51 years old—how do I rebuild my retirement?”
“My husband and I are worth $11 million, but he still hates it when I spend money.”
“My husband wants to sell our house rather than get a second job.”
“How do I change my habits to win financially?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💵 Start your free budget today. Download the EveryDollar app!
🎟️ Get your ticket for Investing Essentials today!
💼 Join the Crusade! Apply Now!
🏡 Find a Ramsey Trusted Real Estate Agent
Connect With Our Sponsors:
Go to Angel Studios to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off
New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
Get 20% off when you join DeleteMe
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today.
Visit Helix Sleep for special offers!
Use code RAMSEY to save 20% at Mama Bear Legal Forms
Visit NetSuite today to learn more.
Sign up for your $1.00/month trial at Shopify.
Make navigating healthcare easier with a patient advocate. Go to Solace Health to see if you qualify.
Get started at World Watch OR use promo code RAMSEY for a 30-day free trial.
Get started with YRefy or call 844-2-RAMSEY
Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!
Try ZipRecruiter for free today.
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💰 George Kamel
📈 EntreLeadership
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
Behavior Matters More Than Math
2:08:54
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
Dave Ramsey and Rachel Cruze answer your questions and discuss:
“My father-in-law bought us a $1 million house. I’m paying him back, but the house is not in my name. Is this a problem?”
“I spent all my retirement beating cancer. Now I am starting over at 51 years old—how do I rebuild my retirement?”
“My husband and I are worth $11 million, but he still hates it when I spend money.”
“My husband wants to sell our house rather than get a second job.”
“How do I change my habits to win financially?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💵 Start your free budget today. Download the EveryDollar app!
🎟️ Get your ticket for Investing Essentials today!
💼 Join the Crusade! Apply Now!
🏡 Find a Ramsey Trusted Real Estate Agent
Connect With Our Sponsors:
Go to Angel Studios to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off
New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
Get 20% off when you join DeleteMe
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today.
Visit Helix Sleep for special offers!
Use code RAMSEY to save 20% at Mama Bear Legal Forms
Visit NetSuite today to learn more.
Sign up for your $1.00/month trial at Shopify.
Make navigating healthcare easier with a patient advocate. Go to Solace Health to see if you qualify.
Get started at World Watch OR use promo code RAMSEY for a 30-day free trial.
Get started with YRefy or call 844-2-RAMSEY
Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!
Try ZipRecruiter for free today.
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💰 George Kamel
📈 EntreLeadership
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
Debt Isn't a Tool, It's a Trap
2:08:19
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
Jade Warshaw and Dr. John Delony answer your questions and discuss:
“Should I stay at my toxic job so we can get out of debt faster?”
“My dad coerced me to sign for his three cars, now he’s missing payments and I don’t know what to do.”
“If we buy an investment property, we won’t be able to retire early. Is it still worth it to invest in real estate?”
“How do we get over the disappointment of not meeting our financial goals?”
“The HOA fees have doubled since I bought my house, should I sell it?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💵 Start your free budget today. Download the EveryDollar app!
❤️🩹 Get trusted insurance coverage that fits your budget
🏡 Get organized and prepared to buy or sell a home
Connect With Our Sponsors:
Go to Angel Studios to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off
New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
Get 20% off when you join DeleteMe
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today.
Visit Helix Sleep for special offers!
Use code RAMSEY to save 20% at Mama Bear Legal Forms
Visit NetSuite today to learn more.
Sign up for your $1.00/month trial at Shopify.
Make navigating healthcare easier with a patient advocate. Go to Solace Health to see if you qualify.
Get started at World Watch OR use promo code RAMSEY for a 30-day free trial.
Get started with YRefy or call 844-2-RAMSEY
Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!
Try ZipRecruiter for free today.
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💰 George Kamel
📈 EntreLeadership
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
Debt Isn't a Tool, It's a Trap
2:08:19
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
Jade Warshaw and Dr. John Delony answer your questions and discuss:
“Should I stay at my toxic job so we can get out of debt faster?”
“My dad coerced me to sign for his three cars, now he’s missing payments and I don’t know what to do.”
“If we buy an investment property, we won’t be able to retire early. Is it still worth it to invest in real estate?”
“How do we get over the disappointment of not meeting our financial goals?”
“The HOA fees have doubled since I bought my house, should I sell it?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💵 Start your free budget today. Download the EveryDollar app!
❤️🩹 Get trusted insurance coverage that fits your budget
🏡 Get organized and prepared to buy or sell a home
Connect With Our Sponsors:
Go to Angel Studios to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off
New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
Get 20% off when you join DeleteMe
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today.
Visit Helix Sleep for special offers!
Use code RAMSEY to save 20% at Mama Bear Legal Forms
Visit NetSuite today to learn more.
Sign up for your $1.00/month trial at Shopify.
Make navigating healthcare easier with a patient advocate. Go to Solace Health to see if you qualify.
Get started at World Watch OR use promo code RAMSEY for a 30-day free trial.
Get started with YRefy or call 844-2-RAMSEY
Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!
Try ZipRecruiter for free today.
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💰 George Kamel
📈 EntreLeadership
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
Wealth Is A Strategy, Not An Accident
2:09:13
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
Dave Ramsey and Jade Warshaw answer your questions and discuss:
“My mother wants me to cosign her mortgage, but I feel guilty saying no because she took out Parent PLUS loans for me”
“Am I crazy for thinking my husband shouldn’t be on his parent’s cell phone plan?”
“How do I stick to a food budget when my traveling job has me in hotels all the time?”
“I feel extremely panicked about our finances because I can’t find another job”
“My wife and I have different opinions on how much to tithe. How do we work through this?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💵 Start your free budget today. Download the EveryDollar app!
❤️🩹 Get trusted insurance coverage that fits your budget
📰 Get EntreLeadership’s free weekly newsletter: expert advice and practical tips from the same playbook that built Ramsey Solutions into a $300 million company.
🎟️ Get your ticket for Investing Essentials today!
Connect With Our Sponsors:
Go to Angel Studios to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off
New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
Get 20% off when you join DeleteMe
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today.
Visit Helix Sleep for special offers!
Use code RAMSEY to save 20% at Mama Bear Legal Forms
Visit NetSuite today to learn more.
Sign up for your $1.00/month trial at Shopify.
Make navigating healthcare easier with a patient advocate. Go to Solace Health to see if you qualify.
Get started at World Watch OR use promo code RAMSEY for a 30-day free trial.
Get started with YRefy or call 844-2-RAMSEY
Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!
Try ZipRecruiter for free today.
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💰 George Kamel
📈 EntreLeadership
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
Wealth Is A Strategy, Not An Accident
2:09:13
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
Dave Ramsey and Jade Warshaw answer your questions and discuss:
“My mother wants me to cosign her mortgage, but I feel guilty saying no because she took out Parent PLUS loans for me”
“Am I crazy for thinking my husband shouldn’t be on his parent’s cell phone plan?”
“How do I stick to a food budget when my traveling job has me in hotels all the time?”
“I feel extremely panicked about our finances because I can’t find another job”
“My wife and I have different opinions on how much to tithe. How do we work through this?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💵 Start your free budget today. Download the EveryDollar app!
❤️🩹 Get trusted insurance coverage that fits your budget
📰 Get EntreLeadership’s free weekly newsletter: expert advice and practical tips from the same playbook that built Ramsey Solutions into a $300 million company.
🎟️ Get your ticket for Investing Essentials today!
Connect With Our Sponsors:
Go to Angel Studios to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off
New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
Get 20% off when you join DeleteMe
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today.
Visit Helix Sleep for special offers!
Use code RAMSEY to save 20% at Mama Bear Legal Forms
Visit NetSuite today to learn more.
Sign up for your $1.00/month trial at Shopify.
Make navigating healthcare easier with a patient advocate. Go to Solace Health to see if you qualify.
Get started at World Watch OR use promo code RAMSEY for a 30-day free trial.
Get started with YRefy or call 844-2-RAMSEY
Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!
Try ZipRecruiter for free today.
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💰 George Kamel
📈 EntreLeadership
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
How Far Are You Willing To Go To Win?
2:08:51
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
Dave Ramsey and Rachel Cruze answer your questions and discuss:
“My husband bought a $50,000 car without telling me—how should I handle this?”
“My father offered to pay off my wife’s student loans and subtract that from my future inheritance. Should I accept?”
“I’m 19 years old and in $11,000 of debt—how do I get ahead financially?”
“How do I change my mindset about money so I’m not anxious about every purchase?”
“How do we invest when the future seems so uncertain?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💵 Start your free budget today. Download the EveryDollar app!
❤️🩹 Get trusted insurance coverage that fits your budget
💻 Need help with your taxes? See who we trust.
Connect With Our Sponsors:
Go to Angel Studios to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off
New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
Get 20% off when you join DeleteMe
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today.
Visit Helix Sleep for special offers!
Use code RAMSEY to save 20% at Mama Bear Legal Forms
Visit NetSuite today to learn more.
Sign up for your $1.00/month trial at Shopify.
Make navigating healthcare easier with a patient advocate. Go to Solace Health to see if you qualify.
Get started at World Watch OR use promo code RAMSEY for a 30-day free trial.
Get started with YRefy or call 844-2-RAMSEY
Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!
Try ZipRecruiter for free today.
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💰 George Kamel
📈 EntreLeadership
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
How Far Are You Willing To Go To Win?
2:08:51
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
Dave Ramsey and Rachel Cruze answer your questions and discuss:
“My husband bought a $50,000 car without telling me—how should I handle this?”
“My father offered to pay off my wife’s student loans and subtract that from my future inheritance. Should I accept?”
“I’m 19 years old and in $11,000 of debt—how do I get ahead financially?”
“How do I change my mindset about money so I’m not anxious about every purchase?”
“How do we invest when the future seems so uncertain?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💵 Start your free budget today. Download the EveryDollar app!
❤️🩹 Get trusted insurance coverage that fits your budget
💻 Need help with your taxes? See who we trust.
Connect With Our Sponsors:
Go to Angel Studios to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off
New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
Get 20% off when you join DeleteMe
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
Save up to 50% on health insurance. Talk to a Health Trust Financial advisor today.
Visit Helix Sleep for special offers!
Use code RAMSEY to save 20% at Mama Bear Legal Forms
Visit NetSuite today to learn more.
Sign up for your $1.00/month trial at Shopify.
Make navigating healthcare easier with a patient advocate. Go to Solace Health to see if you qualify.
Get started at World Watch OR use promo code RAMSEY for a 30-day free trial.
Get started with YRefy or call 844-2-RAMSEY
Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!
Try ZipRecruiter for free today.
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💰 George Kamel
📈 EntreLeadership
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
Don't Leave Your Financial Future To Chance
2:08:31
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
Dave Ramsey and George Kamel answer your questions and discuss:
“Should I sell my home, invest the proceeds, and rent for the rest of my life?”
“My parents said if I pay to get their basement finished we can live there as long as we want. Is this a good idea?”
“Should I set up a trust to pay my kids every year instead of a single lump sum inheritance?”
“I feel like my father is always taking advantage of me financially.”
“How do I figure out appropriate saving and spending percentages?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💵 Start your free budget today. Download the EveryDollar app!
❤️🩹 Get trusted insurance coverage that fits your budget
🩺 Get A Medicare Advisor You Can Trust
💼 Join the Crusade! Apply Now!
🚢 Set Sail with Dave Ramsey! Book your cabin today.
Connect With Our Sponsors:
Go to Angel Studios to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off
New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
Get 20% off when you join DeleteMe
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
Find top health insurance plans at Health Trust Financial
Visit Helix Sleep for special offers!
Use code RAMSEY to save 20% at Mama Bear Legal Forms
Visit NetSuite today to learn more.
Sign up for your $1.00/month trial at Shopify.
Get started at World News OR use promo code RAMSEY for a 30-day free trial.
Get started with YRefy or call 844-2-RAMSEY
Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!
Try ZipRecruiter for free today.
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💰 George Kamel
📈 EntreLeadership
Ramsey Solutions Privacy Policy
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Don't Leave Your Financial Future To Chance
2:08:31
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
Dave Ramsey and George Kamel answer your questions and discuss:
“Should I sell my home, invest the proceeds, and rent for the rest of my life?”
“My parents said if I pay to get their basement finished we can live there as long as we want. Is this a good idea?”
“Should I set up a trust to pay my kids every year instead of a single lump sum inheritance?”
“I feel like my father is always taking advantage of me financially.”
“How do I figure out appropriate saving and spending percentages?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💵 Start your free budget today. Download the EveryDollar app!
❤️🩹 Get trusted insurance coverage that fits your budget
🩺 Get A Medicare Advisor You Can Trust
💼 Join the Crusade! Apply Now!
🚢 Set Sail with Dave Ramsey! Book your cabin today.
Connect With Our Sponsors:
Go to Angel Studios to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off
New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
Get 20% off when you join DeleteMe
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
Find top health insurance plans at Health Trust Financial
Visit Helix Sleep for special offers!
Use code RAMSEY to save 20% at Mama Bear Legal Forms
Visit NetSuite today to learn more.
Sign up for your $1.00/month trial at Shopify.
Get started at World News OR use promo code RAMSEY for a 30-day free trial.
Get started with YRefy or call 844-2-RAMSEY
Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!
Try ZipRecruiter for free today.
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💰 George Kamel
📈 EntreLeadership
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
It's Never Too Late To Start Over
2:08:34
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
George Kamel and Rachel Cruze answer your questions and discuss:
“I’m getting a $1 million settlement. How do I pay off my family’s debt?”
“We have $300,000 in debt—how do we pay this off?”
“My husband’s spending scares me and we have $100,000 of debt.”
“How do I protect myself from my husband’s gambling addiction?”
“We are retired with no savings and have $57,000 of debt. How do we start building savings?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💵 Start your free budget today. Download the EveryDollar app!
❤️🩹 Get trusted insurance coverage that fits your budget
📅 Set and actually reach your goals with the NEW 2027 Ramsey Goal Planner! Hurry—they sell out every year!
🎟️ Take a deep dive into the EntreLeadership system at our Master Series event, where our executive team shares the exact strategies behind our growth–so you can run your business the same way.
Connect With Our Sponsors:
Go to Angel Studios to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off
New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
Get 20% off when you join DeleteMe
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
Find top health insurance plans at Health Trust Financial
Visit Helix Sleep for special offers!
Use code RAMSEY to save 20% at Mama Bear Legal Forms
Visit NetSuite today to learn more.
Sign up for your $1.00/month trial at Shopify.
Get started at World News OR use promo code RAMSEY for a 30-day free trial.
Get started with YRefy or call 844-2-RAMSEY
Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!
Try ZipRecruiter for free today.
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💰 George Kamel
📈 EntreLeadership
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
It's Never Too Late To Start Over
2:08:34
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓…Show full show notesHide full show notes⌄
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan.
❓ Have a money question? Ask Ramsey is here to help.
George Kamel and Rachel Cruze answer your questions and discuss:
“I’m getting a $1 million settlement. How do I pay off my family’s debt?”
“We have $300,000 in debt—how do we pay this off?”
“My husband’s spending scares me and we have $100,000 of debt.”
“How do I protect myself from my husband’s gambling addiction?”
“We are retired with no savings and have $57,000 of debt. How do we start building savings?”
Next Steps:
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET
📩 Email Dave On-Air With Your Questions on Debt and Finance
💻 New to the show and want to learn more? Check out our 7 Baby Steps!
💵 Start your free budget today. Download the EveryDollar app!
❤️🩹 Get trusted insurance coverage that fits your budget
📅 Set and actually reach your goals with the NEW 2027 Ramsey Goal Planner! Hurry—they sell out every year!
🎟️ Take a deep dive into the EntreLeadership system at our Master Series event, where our executive team shares the exact strategies behind our growth–so you can run your business the same way.
Connect With Our Sponsors:
Go to Angel Studios to discover entertainment you can feel good about.
Get 10% off your first month of BetterHelp
Go to Boost Mobile to switch today!
If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off
New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY.
Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice.
Get 20% off when you join DeleteMe
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at Guardian Litigation Group
Find top health insurance plans at Health Trust Financial
Visit Helix Sleep for special offers!
Use code RAMSEY to save 20% at Mama Bear Legal Forms
Visit NetSuite today to learn more.
Sign up for your $1.00/month trial at Shopify.
Get started at World News OR use promo code RAMSEY for a 30-day free trial.
Get started with YRefy or call 844-2-RAMSEY
Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today!
Try ZipRecruiter for free today.
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💰 George Kamel
📈 EntreLeadership
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
