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The Ramsey Show

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The Ramsey Show

Dave Ramsey

Take control of your life and money once and for all. The Ramsey Show offers up straight talk from Dave Ramsey and his team of co-hosts. Millions listen in as callers from all walks of life learn how to get out of debt and start building

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for the future. For more information, visit www.ramseysolutions.com.

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  1. 1057Stop Losing Battles And Win The War With Your BudgetDave Ramsey & George Kamel answer your questions and discuss: What to do when you and your spouse can't agree on how much to save for building a home, read more: How Much Does It Cost to Build a House? How to get prepared for retirement when you have nothing saved at 50 years old, Do you have enough for retirement? Learn more today: Retirement Calculator How to financially prepare for a divorce, read more: How to Survive Divorce: Protect Yourself and Your Finances What to do when you and your spouse can't agree on how to budget, read more: Money and Marriage: 7 Tips for a Healthy Relationship What to do when when receiving certified letters in the mail for debt that's in the collections, read more: How to Pay Off Collections "Can I afford to buy more hair transplants?", How to know if you can afford to quit your side hustle to pursue your dream job, How to buy a house with zero credit score, read more: Can You Buy A House With No Credit? "Should I use my savings to pay my fiancees debt after we get married?", read more: 4 Steps to Make The Best of Marriage and Debt What to do when getting divorced and you don't have any financial agreement set up, How you should prioritize your student loan payments in your Debt Snowball, from the website: RamseySolutions.com/StudentLoans What to do when you're underwater on a vehicle and don't know if you should pay it off, How to get your finances on track as newlyweds when facing major home repairs and feel overwhelmed. Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Zander Insurance Churchill Mortgage BetterHelp DreamCloud Neighborly EveryDollar - Budget for free today! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices112:12
  2. 1058Nothing Will Change Till You're Ready To ChangeDave Ramsey, George Kamel, and Ken Coleman answer your questions and discuss: Why you should never own a house with someone you're not married to, Dave and George talk with Graham Stephen about real estate, the economy, investing, and work that matters, The Iced Coffee Hour with Graham and Jack Graham Stephan's YouTube Channel What to take into consideration when deciding to start taking Social Security, read more: What Is Full Retirement Age? And What Does It Mean For Your Retirement? What to do with extra money from the sale of their house, Why a caller can't afford to continue the same patterns of behavior after have two vehicles repossessed, read more: Don't Believe The Lies: What Can Debt Collectors Do? "My siblings think I'm taking financial advantage of our father with dementia - what should I do?", How to pay for major home repairs while in Baby Step 2 when you can't manage your money, read more: Money Management What to do with a sign on bonus while in graduate school and plan for the future, read more: What Is Lifestyle Creep? Why long distance rental properties are a bad idea, What to do once you've reached Baby Step 7 and you're not sure what to do with your money, How to make preparations for your funeral so other family doesn't have to pay for your arrangements, read more: Pros and Cons of Prepaid Funeral Plans How to talk to your spouse about combining finances, read more: And Two Become One: How to Combine Bank Accounts Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: USCCA BetterHelp Balance of Nature Zander Insurance Neighborly EveryDollar - Budget for free today! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices112:01
  3. 1059Short Term Convenience Has A Long Term CostKen Coleman & George Kamel answer your questions and discuss: How to financially and professionally prepare for a layoff, read more: What to Do If You're Laid Off Why you shouldn't cash out a 401(k) from a previous employer to pay for college, read more: The High Price of a 401(k) Withdrawl Some of the dumbest things our listeners have bought using "By Now, Pay Later", read more: The Truth About Klarna: Why It's Dangerous to Buy Now, Pay Later What to do when you're not making enough income to cover your expenses, read more: Ken Coleman's Increase Your Income Bundle How to manage debt when your industry goes on strike, What to know about when you need a new car, When to decide if you should sell your house to move to a safer neighborhood, How to get on the same page with your spouse about big expenses, read more: Money, Marriage, and Communication Why you shouldn't pull from retirement to pay off your house, How to know if you're ready to launch your own business, read more: Should I Quit My Job Quiz The best way to tackle your debt when dealing with consumer debt and a HELOC, What to do when your parents make you take over car payments on a vehicle you can't afford, read more: How To Sell A Car Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: BetterHelp Zander Insurance NetSuite Balance of Nature Neighborly Want a plan for your money? Find out where to start: Click Here Find a Ramsey Trusted Real Estate Agent: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices113:00
  4. 1060Don’t Believe the Lies – YOU Are the Hero of Your Story!Dave Ramsey & George Kamel answer your questions and discuss: "I have a baby on the way with no money," Prioritizing expenses when you're broke, "Should I finance boat and live in it?" "Should I change careers in Baby Step 2?" "How can we cash flow a new build?" "How do we have a wedding in Baby Step 2?" "Cash out my retirement to pay off debt?" "Invest for retirement or pay off the house?" "Should I invest as a stay-at-home mom?" "Should I make my kids pay off their own student loans?" "How do you plan for retirement at a young age?" "Should I buy my ex-wife out of the house?" "Should we sell our home to pay off debt?" "Should we take over a local business?" "Confronting a controlling mother-in-law," "Relocate our family for better school options?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Churchill Mortgage Balance of Nature DreamCloud Zander Insurance BetterHelp Neighborly Want a plan for your money? Find out where to start: Click Here Find a Ramsey Trusted Real Estate Agent: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices111:56
  5. 1061When the World Goes Crazy, Control the ControllablesDave Ramsey & Jade Warshaw answer your questions and discuss: "How can I pay for my vacation property?" "I am drowning in credit card debt," How to handle debt collectors, read more: How to Deal With Debt Collectors When You Can’t Pay, "Should I buy hunting land?" "My expenses are higher than my income," "Can I buy a $1.5M house?" "How do we handle our finances in light of world events?" "When do I pay off my fiance's student debt?" "Should we elevate our lifestyle after an income increase?" "Do I need a credit score?" read more: The Best Way to Improve Your Credit Score, "How do I fund my business and personal expenses?" "How do we get financially prepared for a baby?" "Why should I give up my work match while paying debt?" "How do we save for non-recurring purchases?" "Do credit cards protect from fraud better than debit cards?" "Should we wait to get married to save for a house?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: BetterHelp Zander Insurance NetSuite USCCA Neighborly EveryDollar - Create your FREE account today! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices112:09
  6. 1062Anyone Can Become a Millionaire (Even You)Dave Ramsey & Ken Coleman answer your questions and discuss: We hear about how millionaires built wealth in a Baby Steps Millionaire Theme Hour, "How can I make my side gig my full-time job?" "Should we use savings to buy a house or pay off our car?" "What should my next step be while in college?" "How do I tell my current boss I'm leaving?" "Pull from mutual funds to pay off my house?" "What's the best way to save money for my kids?" "Should I apply for jobs I'm only halfway qualified for?" "My wife wants to do drop shipping on Amazon," "Go back to school for cyber security?" "How do we tackle our debt as a young couple?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Zander Insurance USCCA Balance of Nature BetterHelp Neighborly EveryDollar - Create your FREE account today! Find a Ramsey Trusted Real Estate Agent: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices112:12
  7. 1063Don’t Let Financial Drama Throw You off Track!Dave Ramsey & Jade Warshaw answer your questions and discuss: "How do we prepare to buy a house?" "How can I get my husband to buckle down?" "I own property with my daughters and it's a mess..." "Should I invest or go back to school?" "My son asked me to bail him out of $200K tax debt. Should we?" "What should I do with my whole life insurance?" "Should I sell my car to get out of debt?" "My husband has a spending problem" The #1 reason for divorce, "Should we wait to buy a house?" "Can I afford to buy a car just for fun?" "Managing my mom's estate," "Sell my house to buy an investment property?" "Will starting a family slow down our progress?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Christian Healthcare Ministries NetSuite Zander Insurance Balance of Nature Neighborly EveryDollar - Create your FREE account today! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices111:51
  8. 1064You Can’t Live Your Dreams if You Don’t Prepare for ThemJade Warshaw & George Kamel answer your questions and discuss: "Should we save to buy a house?" "How can I afford my minimum payments?" "I'm being asked to sell credit cards at my job," "Should we stop contributing to our 401(k)?" "Use a mutual fund for a house down payment?" "When will my credit score go away?" "My mom opened a credit card in my name," Discussion about the "Girl Math" trend, "Should we move into a bigger house?" "My daughter isn't paying her credit card off?" "Taking over a mortgage with my siblings," "Trade in our newer car for an older one?" "I drained our savings without my wife knowing," "Our home buyer came up short on their payment," "How can I move out of my parents' house?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: DreamCloud Churchill Mortgage BetterHelp Zander Insurance Neighborly EveryDollar - Create your FREE account today! For help with investing, get connected with a SmartVestor Pro: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices112:33
  9. 1065Hard Work Is the Key to SuccessDave Ramsey & Ken Coleman answer your questions and discuss: "Should I take out student loans for a coding boot camp?" Michael Easter on Scarcity Mindset, "Should I borrow from family to pay off my credit cards?" "Where should I be investing?" "I recently lost my job, what can I do?" "Should I pay extra on the house or invest more?" "Stay at my current job or go back to school?" "How can I transition to a new career?" "Should I buy a house or invest?" "I have 4 rentals and live paycheck-to-paycheck..." "My boss is preventing me from moving up," "How can we start giving while paying off debt?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: USCCA BetterHelp Zander Insurance NetSuite Churchill Mortgage Neighborly The Ramsey Show Listener Survey: Click here to be Entered to Win a $500 Gift Card!!! For help with investing, get connected with a SmartVestor Pro: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices111:29
  10. 1066Rich People “Ask How Much?” Poor People Ask “How Much a Month?”Dave Ramsey & Jade Warshaw answer your questions and discuss: How to deal with bills in collections, "Should we buy or rent when we get married?" "Is it dumb to take out a business loan?" "How can we get out of a financial rut?" "How do cashback debit cards work?" "Should I rent or buy after moving?" "How can I get out of $50,000 of debt?" "Should I keep my whole life insurance policies?" Rapid fire questions around Baby Steps 4, 5, and 6, Buying furniture vs paying down the mortgage. Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Balance of Nature Christian Healthcare Ministries DreamCloud Zander Insurance Neighborly The Ramsey Show Listener Survey: Click here to be Entered to Win a $500 Gift Card!!! Prep for open enrollment—take our coverage quiz! Click Here Need help with your taxes? See who we trust. Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices111:48
  11. 1067Think About the Future When You Make Decisions TodayGeorge Kamel & Rachel Cruze answer your questions and discuss: Take out 401(k) loan to pay off my car? George and Rachel react to Ramsey's most-hated financial advice, "Should I use a VA loan?" "Sell our only car to get out of debt?" "How can I pay for college without student loans?" "Should we wait to buy property?" Getting back on track with the Baby Steps "We owe the IRS $150,000, what can we do?" "How should we manage our investments?" Buying a car while on Baby Step 2, "My wife wants to buy a $1500 baby stroller!" "Pay off our house or save for kid's college?" "How long should I pause retirement?" "My husband left us." Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Churchill Mortgage Zander Insurance BetterHelp DreamCloud Neighborly The Ramsey Show Listener Survey: Click here to be Entered to Win a $500 Gift Card!!! Prep for open enrollment—take our coverage quiz! Click Here For help with investing, get connected with a SmartVestor Pro: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices112:46
  12. 1068It’s Not About What You Did, It’s About What You Do NextKen Coleman & Jade Warshaw answer your questions and discuss: "How do I get on the same page as my husband?" "When can I afford to buy a house?" "Should I pause the Baby Steps after losing my job?" "Should I use savings to pay off debt?" "We went $32,000 over our wedding budget..." Trying to find a new career, "Can we upgrade to a better apartment?" Deep dive on Baby Steps 1-3, "Should I go into debt for an internship?" "Pull from stocks to pay off my car?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Zander Insurance Balance of Nature USCCA BetterHelp Neighborly The Ramsey Show Listener Survey: Click here to be Entered to Win a $500 Gift Card!!! Prep for open enrollment—take our coverage quiz! Click Here For help with investing, get connected with a SmartVestor Pro: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices112:57
  13. 1069Don't Solve A 30-day "Uh-Oh" With A 30-year CommitmentJohn Delony & Jade Warshaw answer your questions and discuss: How to make progress in your finances after having your first kid, Busting myths about having a 0 credit score, read more: Living Without a Credit Score What to do when you need to go to rehab but you can't afford it, How to know if you should repair your home or move somewhere new, What to do when your parents don't respect your boundaries around your wishes for your wedding, What to do when your family transitions to a single income when your wife has had a successful career, Why you shouldn't be sharing vehicles and homes with people that aren't your spouse, How to address generational expectations and set boundaries while preparing for your own future, Why it's so important to prioritize paying off debt for your financial future, read more: The Truth About Debt Dr. John Delony's new Questions for Humans conversations cards for Thanksgiving and Grandparents & Kids, from the store: Questions for Humans Conversation Cards What to do when you and your spouse don't agree about selling or repairing a vehicle, How to help grandparents that are being taken advantage of financially. Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: NetSuite BetterHelp Zander Insurance Balance of Nature Neighborly The Ramsey Show Listener Survey: Click here to be Entered to Win a $500 Gift Card!!! Prep for open enrollment—take our coverage quiz! Click Here Need help with your taxes? See who we trust. Click Here Join the Crusade at Ramsey Solutions! Apply Now! Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices111:42
  14. 1070Don’t Use a Math-Based Solution to a Behavior-Based ProblemDave Ramsey & Ken Coleman answer your questions and discuss: The Ramsey Show Listener Survey: Click here to be Entered to Win a $500 Gift Card!!! "Should I sell my investments to pay off debt?" "Should I buy a house with 3.5% down?" "How can I best pay off my debt?" "Should I file bankruptcy?" "Should I use savings to payoff my house?" "Am I committing career suicide?" "Pull from my Roth to pay off my HELOC?" "My business equipment is being held hostage," "Should I keep paying for my medical license?" "Save for a house while paying off debt?" "How can I feel okay about spending money?" "Can I afford a career change?" "Saving for retirement vs. starting a business" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Zander Insurance NetSuite DreamCloud Balance of Nature BetterHelp Neighborly For help with investing, get connected with a SmartVestor Pro: Click Here Prep for open enrollment—take our coverage quiz!: Click Here EveryDollar - Create your FREE account today! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices111:29
  15. 1071What Happens When Parents MisbehaveThe Ramsey Show Listener Survey: Click here to be Entered to Win a $500 Gift Card!!! Dave Ramsey & Jade Warshaw answer your questions and discuss: "My husband spent $14K on phone games..." "How much should we save before having kids?" How much Americans spend on Halloween, "How much should be in my emergency fund?" Why you should never lease a car, read more: How Does Leasing a Car Work? "My cousin is stealing from her 13-year-old son," "Get student loans for a higher paying career?" "Should I wait to buy a house?" "How can we keep each other motivated?" "How can we keep each other motivated?" "Save in the S&P500 or in CDs?" "Trade in our car while paying off debt?" "We can't afford our current expenses," "My dad wants me to help him buy a house," "How do we handle our finances as newlyweds?" "What's the best way for me to buy my first car?" "How do I get on track with the Baby Steps?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: BetterHelp Churchill Mortgage Zander Insurance USCCA Neighborly For help with investing, get connected with a SmartVestor Pro: Click Here Prep for open enrollment—take our coverage quiz!: Click Here Find a Ramsey Trusted Real Estate Agent: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices112:07
  16. 1072Break Free From Broke!The Ramsey Show Listener Survey: Click here to be Entered to Win a $500 Gift Card!!! Dave Ramsey & George Kamel answer your questions and discuss: Get George's new book, Breaking Free From Broke, "How can I best take over my father's finances?" "Should I use the debt snowball or debt avalanche?" "Our car blew up and we can't afford to fix it..." "Should I get another degree?" "Pause the Baby Steps to save for a baby?" "I co-signed on a car with my boyfriend and it's underwater," "I have $127k in student loans making $23/hr," "Is it wrong to ask a financial advisor's net worth?" My broke father-in-law keeps buying us gifts" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Christian Healthcare Ministries USCCA Balance of Nature Zander Insurance Neighborly You could WIN $5,000! Enter the Ramsey Christmas Cash Giveaway today! Entering only takes a few seconds: Enter to Win Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke! Click Here Start your EveryDollar Free Account today: Click Here Find a Ramsey Trusted Real Estate Agent: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices111:14
  17. 1073You Can’t Win With Money if You Don’t Know Where Your Money IsThe Ramsey Show Listener Survey: Click here to be Entered to Win a $500 Gift Card!!! Dave Ramsey & Rachel Cruze answer your questions and discuss: "Fixing my finances after a divorce and a car wreck," Mint shutting down, "How do we combine finances?" "Pay off my cars or buy a new house?" "Should I sell my stocks to avoid a market crash?" "Would it be better to file for bankruptcy?" "Pause investing to pay off our house?" "Use a HELOC to buy a new car?" "How do we prepare to buy a house?" "My wife wants to quit her job" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Today's Sponsors: DreamCloud Zander Insurance BetterHelp NetSuite Neighborly You could WIN $5,000! Enter the Ramsey Christmas Cash Giveaway today! Enter To Win! Start your EveryDollar Free Account today: Click Here Find a Ramsey Trusted Real Estate Agent: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices112:42
  18. 1074You And Your Spouse Have To Be on the Same PageThe Ramsey Show Listener Survey: Click here to be Entered to Win a $500 Gift Card!!! George Kamel & John Delony answer your questions and discuss: "Should we buy a new house" "What do we do with our upside down car" How do I get my spouse on board" Mint shutting down and we have a better option "Should I change careers to help pay off debt" "I'm a financial wreck" "Which loan do I pay off first" "How does manual underwriting work" "Should I use my savings to pay off my student loans" "How do we prepare for twins" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Today's Sponsors: Balance of Nature BetterHelp Churchill Mortgage Zander Insurance Neighborly You could WIN $5,000! Enter the Ramsey Christmas Cash Giveaway today! Enter to Win! Start your EveryDollar Free Account today: Click Here Find a Ramsey Trusted Real Estate Agent: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices112:23
  19. 1075Focused Intensity Over Time Will Move the NeedleGeorge Kamel & Jade Warshaw answer your questions and discuss: "How can we pay off our debt quickly?" "Do I need long-term care insurance?" "How should I be investing?" "What should I do after getting an inheritance?" "Can I afford to remodel my kitchen?" Is debt consolidation a good idea? "Should I pull from retirement to buy land?" "I co-signed with my mom to buy a car..." "Skip a 401(k) match while paying off debt?" "Renew my lease if I may be getting married?" "I just got out of bankruptcy, what do I do?" "Pay for life insurance while paying off debt?" "I'm $314K in debt, what can I do?" "Would getting married help our business?" "Should I renovate a house or pay off my car?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Churchill Mortgage Balance of Nature BetterHelp USCCA Neighborly Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke! Start your EveryDollar Free Account today: Click Here Find a Ramsey Trusted Real Estate Agent: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices112:31
  20. 1076Choose the Hard Sacrifice That Leads to FreedomRachel Cruze & Dr. John Delony answer your questions and discuss: "My wife is reluctant to attack her student loans," Debt is hurting my marriage, what should I do? Handling awkward money moments, "What should we do while in Baby Step 3b?" "My husband committed financial infidelity," "I'm $1.35M in debt..." "How do I get out of $70K of debt?" "Should I buy a house or invest?" "How do debt free screamers increase their income so much?" "Am I spending too much money?" "Should I pay off my student loans in full?" "What should my next steps be after losing my husband?" "I have $83K in debt and feel discouraged" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: NetSuite Zander Insurance DreamCloud Balance of Nature Neighborly Start your EveryDollar Free Account today: Click Here Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke! Find a Ramsey Trusted Real Estate Agent: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices112:33
  21. 1077Does Your Life Need a Radical Shake-Up?George Kamel & Rachel Cruze answer your questions and discuss: "Should we put our mortgage in the debt snowball?" "How do we stop living paycheck to paycheck?" "Should I take on more debt to go to school?" "How do I make better money decisions?" Leaving the family business, "Should we buy a new car in Baby Step 6?" "I don't want to close my credit cards," "Should we buy a home while in the military?" "Are store specific debit cards OK to use?" "Should we sell our house?" "Is inflation really that bad?" "How do I budget with inconsistent pay?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: BetterHelp NetSuite Zander Insurance DreamCloud Neighborly Find a Ramsey Trusted Real Estate Agent: Click Here For help with investing, get connected with a SmartVestor Pro: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices112:28
  22. 1078Overcoming Your Bad Financial DecisionsJade Warshaw & Rachel Cruze answer your questions and discuss:  "My mom doesn't want us to pay off our house" "Should I get a HELOC to pay off legal bills" "Do I keeping paying down debt while preparing to move" How long should I pause investing "Should I use my stocks to pay off debt"  "Did I make an irresponsible decision" Rachel Cruze & Ken Coleman answer your questions and discuss: "I bought a house with my family & I can no long afford it" "How do I get my wife on board" Avoiding lifestyle drift as your income goes up "Should I sell the house my father left me" "Buying a new car so I can drive for Uber" "Negotiating past due bills" "Should we use our savings to build a second home" "How do I negotiate a major settlement" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Zander Insurance BetterHelp Balance of Nature Churchill Mortgage Neighborly Find a Ramsey Trusted Real Estate Agent: Click Here You could WIN $5,000! Enter the Ramsey Christmas Cash Giveaway today! Protect yourself with the right coverage—take our coverage quiz! Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices112:34
  23. 1079Today Is the Day to Chose What Your Future Looks LikeKen Coleman & George Kamel answer your questions and discuss: "I won $1m in the lottery and then lost it all," "I'm about to lose my job, what should I do?" "How do I deal with house fever?" "Should I sell my sports car?" "My grandfather is leaving me his business instead of my father," "Should I leave my family's business?" "Should I pay off a larger debt first?" "Use our savings to do a mortgage recast?" "I'm worried about pausing investing," "I feel like I'm drowning in debt," "Am I a lost cause?" "I have over $2000 in car payments..." "Use savings to invest or pay off our house?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: USCCA Zander Insurance Christian Healthcare Ministries BetterHelp Neighborly You could WIN $5,000! Enter the Ramsey Christmas Cash Giveaway today! Protect yourself with the right coverage—take our coverage quiz! Find a Ramsey Trusted Real Estate Agent: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices112:33
  24. 1080Financial Freedom Helps You Solve for PeaceGeorge Kamel & Dr. John Delony answer your questions and discuss: "We make $300k and live paycheck-to-paycheck,"  "Will the US dollar become obsolete?" "How can I stay consistent with my budget?" "Our home is a money pit, what can I do?" "Pull from retirement to pay off our cars?" "My mother is running out of money," "Which debt should I pay first?" "When should I replace my vehicles?" "Should I pay off my Tesla?" "How do I prepare for retirement?" "How should I use an insurance payout?" "Should we sell our rental property?" "Should we sell a car to pay off debt?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: DreamCloud NetSuite Zander Insurance Balance of Nature BetterHelp Neighborly Need help with your taxes? See who we trust. Join the Crusade! Apply Now! Find a Ramsey Trusted Real Estate Agent: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices112:55
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