Stop Trying To Borrow Your Way Into Freedom
The Ramsey Show

Stop Trying To Borrow Your Way Into Freedom

Dave Ramsey

Episode · 2 hr 7 min · September 26, 2025

About this episode

🤔 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠⁠⁠⁠⁠ Dave Ramsey and Rachel Cruze answer your questions and discuss: "Does it make sense to have a business credit card to get cash back on big purchases?" "We bought too much house, how do we balance paying this down vs.

investing?" "I'm 21 and still live at home with my parents. Should I sell my car so I can afford to move out?" "How do my fiancé and I combine finances when I have way more saved than he does?" "We have $235,000 in student loan debt and have a baby on the way. How do we get on the same page to tackle this debt?" "Why don't children have an obligation to care for parents financially?" "My wife wants to upgrade the house but I would rather pay down the mortgage. Which idea is better?" "Should I pull from retirement to purchase a second property?" “Can I afford to buy a Harley Davidson?” “What should we do about our daughter who refuses to pay parent PLUS loans?” "I made a dumb decision with my house. Should I file bankruptcy?" Next Steps: ✔️⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠send us an email⁠⁠⁠⁠⁠⁠⁠⁠⁠. 📱 ⁠Get episodes early in the free Ramsey Network app! ⁠ 📈⁠⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠⁠ ☮️ Lead a Financial Peace University class. 💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ 🧮 ⁠Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!⁠ Connect With Our Sponsors: Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠. Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠⁠. Go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠⁠ to switch today! Learn more about⁠⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠⁠. Get started today with⁠⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠⁠. Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠⁠. Go to⁠⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle! Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠⁠. Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠⁠. Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠⁠⁠⁠ today to learn more. For more information, go to ⁠⁠⁠⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠⁠⁠⁠. Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠⁠⁠⁠. Get started with ⁠⁠⁠⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY. Visit⁠⁠⁠⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠⁠⁠⁠ for your free instant quote 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

More from The Ramsey Show

View all
  1. 1Introducing The Ramsey ShowTake 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 for the future. Learn more about your ad choices. Visit megaphone.fm/adchoices1 min
  2. 2How Ordinary People Build Extraordinary Wealth (Hour 3)Dave Ramsey & George Kamel discuss how anyone can become a millionaire by following the baby steps. Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Learn more about your ad choices. Visit megaphone.fm/adchoices40 min
  3. 3I’m Scared To Pause Investing While Paying Off Debt (Hour 2)Dave Ramsey & George Kamel discuss: Buying a family farmhouse, Why you should pause investing to get out of debt, What to do when you have a company car, When spouses disagree on how to care for aging family. Support Our Sponsor: Dreamcloud: https://www.dreamcloudsleep.com/delony  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Learn more about your ad choices. Visit megaphone.fm/adchoices41 min
  4. 4Should We Buy a New Car? (Hour 1)Dave Ramsey & George Kamel discuss: Should you buy a new car? How to handle a debt in collections, Reducing your tax burden. Support Our Sponsor: Zander Insurance: https://bit.ly/2Xbn7hD  NetSuite: https://bit.ly/2WBLh5c  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Learn more about your ad choices. Visit megaphone.fm/adchoices42 min
  5. 5It IS Possible To Go to College Debt Free! (Hour 3)Dave Ramsey & Kristina Ellis discuss: What to do if only one of your kids is college-bound, The decoupling of college from reality in our current culture, How to plan for college while your kids are still young. Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Learn more about your ad choices. Visit megaphone.fm/adchoices40 min
  6. 6Inflation Sucks but It’s Not Going To Kill You (Hour 2)Dave Ramsey & Kristina Ellis discuss: Inflation has made the economy suck, but you have to control what you can control, Should a married couple move in with their parents? Why it makes sense to pay off your house instead of investing that money. Support Our Sponsor: NetSuite: https://bit.ly/2WBLh5c  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Learn more about your ad choices. Visit megaphone.fm/adchoices41 min
  7. 7What if We Don’t Use Our Kids’ 529 Plan? (Hour 1)Dave Ramsey & Kristina Ellis discuss: Selling investment properties to pay off debt, Why you should do a 529, How to handle debt collectors, How to pick funds for your 401(k). Support Our Sponsor: Christian healthcare Ministries: https://bit.ly/2XBZfE3  Zander Insurance: https://bit.ly/2Xbn7hD  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Learn more about your ad choices. Visit megaphone.fm/adchoices42 min
  8. 8Should We Lease a Horse? (Yes, a Horse) (Hour 3)Ken Coleman & George Kamel discuss: Deciding between two different health insurance plans, Buying a car when starting a new family, The foolishness of waiting for the government to forgive student loans, How compound interest works, Does it ever make sense to lease a horse? (Neigh, it does not) Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Learn more about your ad choices. Visit megaphone.fm/adchoices40 min
  9. 9My In-Laws Want To Buy Us a House (Hour 2)Ken Coleman & George Kamel discuss: Fear about buying a house, How to pay for a master's degree, How to handle money from a settlement, Avoiding student loans, Getting on the right path in college. Support Our Sponsor: Zander Insurance: https://bit.ly/2Xbn7hD  Splash Financial: https://bit.ly/2XAdOIf  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Learn more about your ad choices. Visit megaphone.fm/adchoices42 min
  10. 10You Have To Take Responsibility for Your Debt (Hour 1)Ken Coleman & George Kamel discuss: The best way to tackle your student loans, Why even wealthy celebrities (like Jessica Simpson) need a budget like the rest of us, What to do when you're being sued by a credit card company, How to decide whether or not to move. Support Our Sponsor: Churchill Mortgage: https://bit.ly/2JcfkGy  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Learn more about your ad choices. Visit megaphone.fm/adchoices41 min
  11. 11You Can’t Be Dramatic & Win at Investing (Hour 3)Dave Ramsey & George Kamel discuss: How to convince friends and family that they should pay off their house, Why you can't win at investing if you're too dramatic about the market, How to handle a surprise pregnancy financially. Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Learn more about your ad choices. Visit megaphone.fm/adchoices40 min
  12. 12“Greedy Rich People”: Ashton Kutcher & Mila Kunis Help Ukrainian Refugees (Hour 2)Dave Ramsey & George Kamel discuss: Ashton Kutcher & Mila Kunis' outrageous generosity, Going out on your own after getting laid off, When it makes sense to move across the country. Support Our Sponsor: Zander Insurance: https://bit.ly/2Xbn7hD Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Learn more about your ad choices. Visit megaphone.fm/adchoices41 min

Get the Pray app

Follow Dave Ramsey and keep listening on your phone.

Download on the App StoreGet it on Google Play