The Ramsey Show

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱 Listen to the full episode for free in the Ramsey Network app.

Jade Warshaw & Dr. John Delony answer your questions and discuss:

• You can decide to change your life TODAY!
• “Our medical bills keep us from moving forward in the baby steps”
• “My boyfriend doesn’t share in my financial goals”
• “Is work/life balance a real thing?”
• Is a high-yield savings account the best place for your money?
• “I haven’t paid my credit card debt in 13 years!”

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• 🌱 Get 10% off your first month of BetterHelp
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• 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle!
• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💸 Learn more about opening a high-yield savings account with Laurel Road
• 💻 Visit NetSuite today to learn more
• 🗂️ Use promo code RAMSEY for 18% off at The Nokbox
• 💵 Learn more about Timothy Plan
• 🏛 Get started with YRefy or call 844-2-RAMSEY
• 🔐 Visit Zander Insurance for your free instant quote today!

Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

🏠 Get organized and prepared to buy or sell a home. 

🎆 The New Year's Sale is on! Save big with deals to help you reach your goals. 

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🏘️ Free Tools & Resources to Reach Your Home Goals

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

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💸 The Ramsey Show Highlights

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📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱Watch the full episode for free in the Ramsey Network app.

Ken Coleman & George Kamel answer your questions and discuss:

• "How can I take control of my money?"
• "I should be at 0% interest, but I'm not,"
• "I was overpaid $6K, what should I do?"
• "Where does this fall in the baby steps?"
• "Should we help my mom with money?"

Support Our Sponsors:

• 🌱 Get 10% off your first month of BetterHelp
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• 🏥 Learn more about Christian Healthcare Ministries
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• 🔒 Get 20% off when you join DeleteMe
• 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle!
• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💸 Learn more about opening a high-yield savings account with Laurel Road
• 💻 Visit NetSuite today to learn more
• 🗂️ Use promo code RAMSEY for 18% off at The Nokbox
• 💵 Learn more about Timothy Plan
• 🏛 Get started with YRefy or call 844-2-RAMSEY
• 🔐 Visit Zander Insurance for your free instant quote today!

Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

🎆 The New Year's Sale is on! Save big with deals to help you reach your goals. 

☂️ Protect yourself with the right coverage—take our coverage quiz!

🏠 Find a Ramsey Trusted Real Estate Agent

💵 Start your free budget today. Download the EveryDollar app!

Listen to more from Ramsey Network

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🧠 The Dr. John Delony Show

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💸 The Ramsey Show Highlights

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💼 The Ken Coleman Show

📈 EntreLeadership

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📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱 Listen to the full episode for free in the Ramsey Network app.

While we're out for new year's, we've compiled some of our favorite Dave and George calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year! Happy New Year!

Dave Ramsey & George Kamel answer your questions and discuss:

• ‘We've been looking for a house for 9 years.’
• 'How do I save a $1 million inheritance?’
• ‘How much should we help our daughter?’
• ‘Liquidate my investments and buy crypto? '
• ‘My husband's side hustle doesn't make money’
• 'Should I pay taxes on cash income?'

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• 🌱 Get 10% off your first month of BetterHelp
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• 🔒 Get 20% off when you join DeleteMe
• 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle!
• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💸 Learn more about opening a high-yield savings account with Laurel Road
• 💻 Visit NetSuite today to learn more
• 🗂️ Use promo code RAMSEY for 18% off at The Nokbox
• 💵 Learn more about Timothy Plan
• 🏛 Get started with YRefy or call 844-2-RAMSEY
• 🔐 Visit Zander Insurance for your free instant quote today!

Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

☂️ Protect yourself with the right coverage—take our coverage quiz!

🏠 Get organized and prepared to buy or sell a home. 

💵 Start your free budget today. Download the EveryDollar app!

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

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📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱 Listen to the full episode for free in the Ramsey Network app.

🇺🇸 Watch United States of Anxiety exclusively on the free Ramsey Network app! 

While we're out for new year's, we've compiled some of our favorite George and Rachel calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year! Happy New Year!

George Kamel & Rachel Cruze answer your questions and discuss:

• ‘My sister took advantage of our sick mom’
• ‘$200K in consumer debt, declare bankruptcy?’
• ‘My husband's boss is a pig, should he leave?’
• ‘Restaurant waiters are keeping all my cash'
• ‘How do we handle our son's car getting stolen?’
• 'How do I become a $100 millionaire by 30?'

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• 🌱 Get 10% off your first month of BetterHelp
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• 🏥 Learn more about Christian Healthcare Ministries
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• 🔒 Get 20% off when you join DeleteMe
• 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle!
• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 💻 Visit NetSuite today to learn more
• 🗂️ Use promo code RAMSEY for 18% off at The Nokbox
• 💵 Learn more about Timothy Plan
• 🏛 Get started with YRefy or call 844-2-RAMSEY
• 🔐 Visit Zander Insurance for your free instant quote today!

Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

💵 Start your free budget today. Download the EveryDollar app!

📈 For help with investing, get connected with a SmartVestor Pro. 

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

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Ramsey Solutions Privacy Policy

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📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱 Listen to the full episode for free in the Ramsey Network app.

🇺🇸 Watch United States of Anxiety exclusively on the free Ramsey Network app! 

While we're out for the Christmas break, we've compiled some of our favorite Dave and Jade calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year!

Dave Ramsey & Jade Warshaw answer your questions and discuss:

• ‘My new husband is almost $1 million in debt’
• 'My in-laws loaned us $40K, what should we do?’
• ‘How beneficial is it to close my credit cards?’
• ‘How do I choose a financial advisor?'
• ‘Can I fix my marriage after getting out of debt?’
• 'My parents send us a bill whenever they visit.'.

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• 🔒 Get 20% off when you join DeleteMe
• 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle!
• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 💻 Visit NetSuite today to learn more
• 🗂️ Use promo code RAMSEY for 18% off at The Nokbox
• 💵 Learn more about Timothy Plan
• 🏛 Get started with YRefy or call 844-2-RAMSEY
• 🔐 Visit Zander Insurance for your free instant quote today!

Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

📈 For help with investing, get connected with a SmartVestor Pro. 

💵 Start your free budget today. Download the EveryDollar app!

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

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📱Watch the full episode for free in the Ramsey Network app.

While we're out for the Christmas break, we've compiled some of our favorite John and George calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year!

John Delony & George Kamel answer your questions and discuss:

• ‘We make $330K and live paycheck to paycheck'
• 'Is my mother-in-law is trying to cause a rift?’
• ‘I feel guilty for spending money on therapy’
• ‘I'm 15, how can I help my parents financially?'
• ‘Dealing with my husband's gambling addiction’
• 'We've been living in a hotel for 3 months.'
• 
  

Support Our Sponsors:

• 🌱 Get 10% off your first month of BetterHelp
• 🏥 Learn more about Christian Healthcare Ministries
• 🏡 Get started today with Churchill Mortgage
• 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle!
• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 💻 Visit NetSuite today to learn more
• 🗂️ Use promo code RAMSEY for18% off at The Nokbox
• 🏛Get started with YRefy or call 844-2-RAMSEY
• 🔐 Visit Zander Insurance for your free instant quote today!

Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

🏖️ Invest in Your Future With a SmartVestor Pro

💵 Start your free budget today. Download the EveryDollar app!

🎟️ See Dave and John LIVE in a city near you!

🛳️ Live Like No One Else Cruise

✅ Free tools and resources to find the right insurance for you

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

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📱 Listen to the full episode for free in the Ramsey Network app.

🇺🇸 Watch United States of Anxiety exclusively on the free Ramsey Network app! 

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

While we're out for the Christmas break, we've compiled some of our favorite Ken and Rachel calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year! Merry Christmas!

Ken Coleman & Rachel Cruze answer your questions and discuss:

• ‘Quit my two remote jobs to take one hybrid?'
• 'We couldn't agree on money so we broke up.’
• ‘Are we teaching our kids that credit is OK?’
• ‘Use emergency fund for daughter's quinceanera?'
• ‘I made an agreement for a house I can't afford.’
• ‘How much should I spend on a wedding ring?’

Support Our Sponsors:

• 🌱 Get 10% off your first month of BetterHelp
• ◎ Get 10% off Byrna product bundles and more!
• 🏥 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!
• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 🗂️ Use promo code RAMSEY for 18% off at The Nokbox
• 💵 Learn more about Timothy Plan
• 🏛 Get started with YRefy or call 844-2-RAMSEY
• 🔐 Visit Zander Insurance for your free instant quote today!

Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

🏖️ Invest in Your Future With a SmartVestor Pro

💵 Start your free budget today. Download the EveryDollar app!

🎟️ See Dave and John LIVE in a city near you!

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

Learn more about your ad choices. https://www.megaphone.fm/adchoices

Ramsey Solutions Privacy Policy

Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱 Listen to the full episode for free in the Ramsey Network app.

🇺🇸 Watch United States of Anxiety exclusively on the free Ramsey Network app! 

While we're out for the Christmas break, we've compiled some of our favorite John and Jade calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year! Merry Christmas!

John Delony & Jade Warshaw answer your questions and discuss:

• ‘Should I talk to my wife's toxic boss?'
• 'Is it OK to accept $1M from my in-laws?’
• ‘My mom lied about paying my student loans.’
• ‘I blew $50K after leaving an abusive relationship.'
• ‘My mom is boycotting my wedding rehearsal’
• 'Our house was destroyed by a tornado'

Support Our Sponsors:

• 🌱 Get 10% off your first month of BetterHelp
• ◎ Get 10% off Byrna product bundles and more!
• 🏥 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!
• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 🗂️ Use promo code RAMSEY for 18% off at The Nokbox
• 💵 Learn more about Timothy Plan
• 🏛 Get started with YRefy or call 844-2-RAMSEY
• 🔐 Visit Zander Insurance for your free instant quote today!

Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

🎟️ See Dave and John LIVE in a city near you!

🏖️ Invest in Your Future With a SmartVestor Pro

🏆 Take control of your money in 2025! Register for the free livestream.

💵 Start your free budget today. Download the EveryDollar app!

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

Learn more about your ad choices. https://www.megaphone.fm/adchoices

Ramsey Solutions Privacy Policy

Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱 Listen to the full episode for free in the Ramsey Network app.

🇺🇸 Watch United States of Anxiety exclusively on the free Ramsey Network app! 

While we're out for the Christmas break, we've compiled some of our favorite Dave and Rachel calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year! Merry Christmas!

Dave Ramsey & Rachel Cruze answer your questions and discuss:

• ‘Father-in-law is selling us whole life insurance’
• 'Brother isn't buying us out of an inherited home’
• ‘Open a food truck or a brick and mortar?’
• ‘My wife & I don't share the same views financially'
• ‘Am I hurting my family's financial future?’
• 'Will I even be able to become debt free?'

Support Our Sponsors:

• 🌱 Get 10% off your first month of BetterHelp
• ◎ Get 10% off Byrna product bundles and more!
• 🏥 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!
• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 🗂️ Use promo code RAMSEY for 18% off at The Nokbox
• 💵 Learn more about Timothy Plan
• 🏛 Get started with YRefy or call 844-2-RAMSEY
• 🔐 Visit Zander Insurance for your free instant quote today!

Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

🏆 Take control of your money in 2025! Register for the free livestream.

🎟️ Get $100 Off Money & Marriage Getaway with code CHRISTMAS.

💵 Start your free budget today. Download the EveryDollar app!

📈 For help with investing, get connected with a SmartVestor Pro. 

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

Learn more about your ad choices. https://www.megaphone.fm/adchoices

Ramsey Solutions Privacy Policy

Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱Listen to the full episode for free in the Ramsey Network app. Watch United States of Anxiety exclusively on the free Ramsey Network app! 

While we're out for the Christmas break, we've compiled some of our favorite Dave and Ken calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year! Merry Christmas!

Dave Ramsey & Ken Coleman answer your questions and discuss:

• ‘I haven't filed taxes since 2020’
• 'I don't feel like we can catch up on our finances’
• ‘My mom did a home remodel without permits’
• ‘Fiancée's parents want me to sign a prenup'
• ‘What do I do after losing my business to a fire?’
• Discussion about what "being managed out" means.

Support Our Sponsors:

• 🌱 Get 10% off your first month of BetterHelp
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• 🏥 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!
• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 💻 Visit NetSuite today to learn more
• 🗂️ Use promo code RAMSEY for 18% off at The Nokbox
• 💵 Learn more about Timothy Plan
• 🏛 Get started with YRefy or call 844-2-RAMSEY
• 🔐 Visit Zander Insurance for your free instant quote today!

Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

☂️ Protect yourself with the right coverage—take our coverage quiz!

🏆 Take control of your money in 2025! Register for the free livestream.

💵 Start your free budget today. Download the EveryDollar app!

🎟️ See Dave and John LIVE in a city near you!

🎄You could win $5,000 in the Ramsey Christmas Cash Giveaway!

🎁Our 50 days of Christmas deals are ending soon! Get 30% off meaningful gifts.

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

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💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

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📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱 Listen to the full episode for free in the Ramsey Network app. 🇺🇸 Watch United States of Anxiety exclusively on the free Ramsey Network app!

George Kamel & Dr. John Delony answer your questions and discuss:

• "I spent $40K during a manic episode,"
• "I turned $1k into $380k with Tesla stock; should I sell it?"
• "Should I leave anything to my estranged son?"
• "We lost everything to a hurricane,"
• "My husband is spoiled and I lack boundaries,"
• "I keep overdrafting my account"

Support Our Sponsors:

• 🌱 Get 10% off your first month of BetterHelp
• ◎ Get 10% off Byrna product bundles and more!
• 🏥 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!
• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 🗂️ Use promo code RAMSEY for 18% off at The Nokbox
• 💵 Learn more about Timothy Plan
• 🏛 Get started with YRefy or call 844-2-RAMSEY
• 🔐 Visit Zander Insurance for your free instant quote today!

Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

🎄You could win $5,000 in the Ramsey Christmas Cash Giveaway!

🎁 Our 50 days of Christmas deals are ending soon! Get 30% off meaningful gifts.

☂️ Protect yourself with the right coverage—take our coverage quiz!

💵 Start your free budget today. Download the EveryDollar app!

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

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Ramsey Solutions Privacy Policy

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📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱 Listen to the full episode for free in the Ramsey Network app.Watch United States of Anxiety exclusively on the free Ramsey Network app! 

Dave Ramsey & Jade Warshaw answer your questions and discuss:

• "My mom is asking me to share my late father's life insurance,"
• "My wife bought me an expensive Lego set behind my back,"
• "Am I a jerk for not wanting a mortgage?"
• "I bought a truck and then found Dave Ramsey..."
• "Is giving the bank our money biblically immoral?"
• "My wife is pestering me to take a vacation,"
• "My grandma opened a credit card in my name,"

Support Our Sponsors:

• 🌱 Get 10% off your first month of BetterHelp
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• 🏥 Learn more about Christian Healthcare Ministries
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• 🔒 Get 20% off when you join DeleteMe
• 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle!
• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 🗂️ Use promo code RAMSEY for 18% off at The Nokbox
• 💵 Learn more about Timothy Plan
• 🏛 Get started with YRefy or call 844-2-RAMSEY
• 🔐 Visit Zander Insurance for your free instant quote today!

Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

💸Take control of your money in 2025! Register for the free livestream.

💵 Start your free budget today. Download the EveryDollar app!

🎄You could win $5,000 in the Ramsey Christmas Cash Giveaway!

🎁 Our 50 days of Christmas deals are ending soon! Get 30% off meaningful gifts.

☂️ Protect yourself with the right coverage—take our coverage quiz!

🎟️ Get Tickets to the Money & Relationships Tour

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

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💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

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📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱 Listen to the full episode for free in the Ramsey Network app.Watch United States of Anxiety exclusively on the free Ramsey Network app! 

Dave Ramsey & George Kamel hear stories of outrageous generosity from our listeners. Find out how much fun you can have giving away money on our 2024 Annual Giving Show!

Support Our Sponsors:

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📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱Watch the full episode for free in the Ramsey Network app.

Dave Ramsey & Dr. John Delony answer your questions and discuss:

• "My father-in-law owes us $100k and now he wants to put up our house for collateral,"
• "How do I financially prepare to have a child?"
• "My husband says I "sucked the fun" out of his hobby,"
• "My mother-in-law sticks her nose into everything,"
• "How do I tackle $100K of debt?"

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Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

☂️ Protect yourself with the right coverage—take our coverage quiz!

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🎟️ Get Tickets to the Money & Relationships Tour

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📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱Watch the full episode for free in the Ramsey Network app.

Dave Ramsey & Ken Coleman answer your questions and discuss:

• "Should I buy a $250K supercar?"
• "I borrowed from my parents to start a business,"
• "How do we steer our daughter's career choice?"
• "Should I be involved in my husband's business?"
• "I'm unsuccessfully tried to settle my debts,"
• "How do I budget my starting salary?"

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📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱 Listen to the full episode for free in the Ramsey Network app. Watch United States of Anxiety exclusively on the free Ramsey Network app!

Rachel Cruze & Jade Warshaw answer your questions and discuss:

• "Should I invest while in college?"
• "Should guests pay for meals at our wedding?"
• "My late husband hid our finances from me"
• "I have a big problem..."
• "How do I budget an irregular income?"

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📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

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❤️Get tickets to Money & Marriage Getaway and make this the best Valentine’s Day EVER.

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📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱 Listen to the full episode for free in the Ramsey Network app. Watch United States of Anxiety exclusively on the free Ramsey Network app!

Jade Warshaw & Rachel Cruze answer your questions and discuss:

• "How do we divide a gift when buying together?"
• "Why should I have a 15-year mortgage?"
• "I co-signed for a truck with my ex-fiancee,"
• "My husband's employer hasn't paid him..."
• "How do I budget with an irregular income?"
• Asking for a friend: What are tax withholdings?

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📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱 Listen to the full episode for free in the Ramsey Network app. Watch United States of Anxiety exclusively on the free Ramsey Network app!

Dave Ramsey & George Kamel answer your questions and discuss:

• "Should I fix my car or buy another one?"
• "Living paycheck-to-paycheck on $600K a year,"
• "How do I get my wife on board with the plan?"
• "How does compound interest work on multiple accounts?"
• "Should I get my fiancé to sign a prenup?"
• "How much house can I afford?"
• "My parents are kicking me out for failing college?"

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• 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle!
• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 💻 Visit NetSuite today to learn more
• 🗂️ Use promo code RAMSEY for 18% off at The Nokbox
• 💵 Learn more about Timothy Plan
• 🏛 Get started with YRefy or call 844-2-RAMSEY
• 🔐 Visit Zander Insurance for your free instant quote today!

Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

💵 Start your free budget today. Download the EveryDollar app!

🎟️ Get Tickets to the Money & Relationships Tour

🎄Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!

🎁 Our 50 days of Christmas deals are ending soon! Get 30% off meaningful gifts.

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

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💼 The Ken Coleman Show

📈 EntreLeadership

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📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱Watch the full episode for free in the Ramsey Network app.

Dave Ramsey & Ken Coleman answer your questions and discuss:

• "How do I recover after a bankruptcy?"
• "Should I go into debt to visit my sick parents?"
• "Do I have enough saved to be self-insured?"
• "Should I go into a partnership with my attorney?"
• "Can you explain what a 'shared mortgage' is?"

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• 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle!
• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 💻 Visit NetSuite today to learn more
• 🗂️ Use promo code RAMSEY for 18% off at The Nokbox
• 💵 Learn more about Timothy Plan
• 🏛 Get started with YRefy or call 844-2-RAMSEY
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Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

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💵 Start your free budget today. Download the EveryDollar app!

🎟️ See Dave and John LIVE in a city near you!

Listen to more from Ramsey Network

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🧠 The Dr. John Delony Show

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📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱Listen to the full episode for free in the Ramsey Network app. Watch United States of Anxiety exclusively on the free Ramsey Network app!

Dave Ramsey & Jade Warshaw answer your questions and discuss:

• "Should I invest in a whole life policy?"
• "My mom has a bad plan, how do I talk her out of it?"
• "Should I put down less than 20% on a home?"
• "My wife wants to leave me after I hid $26K of debt,"
• "Should I buy my friend a car?"
• "My 401(k) was closed without my knowledge"

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• 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle!
• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 💻 Visit NetSuite today to learn more
• 🗂️ Use promo code RAMSEY for 18% off at The Nokbox
• 💵 Learn more about Timothy Plan
• 🏛 Get started with YRefy or call 844-2-RAMSEY
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Next Steps

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💼 The Ken Coleman Show

📈 EntreLeadership

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📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱Watch the full episode for free in the Ramsey Network app.

George Kamel & Dr. John Delony answer your questions and discuss:

• "How do I budget an inconsistent income?"
• "How do I get my family on board with a budget?"
• Are you Broke, Average, or Wealthy?
• "Should I transfer my credit card balance to a HELOC?"
• "How do we get money back from a friend"
• "Drop out of college to take a Bitcoin mining job?"

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• 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle!
• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 🗂️ Use promo code RAMSEY for 18% off at The Nokbox
• 💵 Learn more about Timothy Plan
• 🏛 Get started with YRefy or call 844-2-RAMSEY
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Next Steps

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🏠 Get organized and prepared to buy or sell a home. 

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📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱Watch the full episode for free in the Ramsey Network app.

Dave Ramsey & Dr. John Delony answer your questions and discuss:

• "How do I handle a defaulted loan?"
• "Should I buy a house while my husband is in prison?"
• "I make $73k/year but still feel broke,"
• "Should I buy a car to get better gas mileage?"
• "My step-sister wants me to share my inheritance"
• "Should I help my boyfriend pay off debt?"

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• 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle!
• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 🗂️ Use promo code RAMSEY for 18% off at The Nokbox
• 💵 Learn more about Timothy Plan
• 🏛 Get started with YRefy or call 844-2-RAMSEY
• 🔐 Visit Zander Insurance for your free instant quote today!

Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

💵 Start your free budget today. Download the EveryDollar app!

🎁 Cyber Monday Extended Deals as low as $8

🏠 Get organized and prepared to buy or sell a home. 

🎄 Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

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💸 The Ramsey Show Highlights

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💼 The Ken Coleman Show

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📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱Watch the full episode for free in the Ramsey Network app.

Dave Ramsey & Ken Coleman answer your questions and discuss:

• "How do I learn to manage money?"
• "My abusive ex took loans out in my name,"
• "Should I be ashamed for living in a motor home?"
• "How do I help a friend with their extreme debt?"
• "Can I afford a $80K Tesla?"

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• 🌱 Get 10% off your first month of BetterHelp
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• 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle!
• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 🗂️ Use promo code RAMSEY for 18% off at The Nokbox
• 💵 Learn more about Timothy Plan
• 🏛 Get started with YRefy or call 844-2-RAMSEY
• 🔐 Visit Zander Insurance for your free instant quote today!

Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

🛒 Shop weeklong Cyber Monday deals starting at $10! 

🏠 Get organized and prepared to buy or sell a home. 

💵 Start your free budget today. Download the EveryDollar app!

🎁 Cyber Monday Extended Deals as low as $8

🎄 Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

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💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

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📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱Watch the full episode for free in the Ramsey Network app.

Dave Ramsey & Rachel Cruze answer your questions and discuss:

• "Our advisor is telling us not to pay off our home,"
• "How do banks let people get so many credit cards?"
• "How do I stay disciplined in Baby Step 2?"
• "How do I stop wasting my income?"
• My husband wants us to take out a mortgage for his daughter,"

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• 🌱 Get 10% off your first month of BetterHelp
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• 🔒 Get 20% off when you join DeleteMe
• 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle!
• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 🗂️ Use promo code RAMSEY for 18% off at The Nokbox
• 💵 Learn more about Timothy Plan
• 🏛 Get started with YRefy or call 844-2-RAMSEY
• 🔐 Visit Zander Insurance for your free instant quote today!

Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

🛒 Shop weeklong Cyber Monday deals starting at $10! 

🏠 Get organized and prepared to buy or sell a home. 

💵 Start your free budget today. Download the EveryDollar app!

🎁 Cyber Monday Extended Deals as low as $8

🎄 Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

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💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

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📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱Watch the full episode for free in the Ramsey Network app.

Dave Ramsey & George Kamel answer your questions and discuss:

• "How do I buy a house for the first time?"
• "How do I financially prepare for med school?"
• "Should we cash out our whole life policy?"
• "Will income tax be eliminated?"
• "Should I pay off my cousin's debt?"

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• 🌱 Get 10% off your first month of BetterHelp
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• 🔒 Get 20% off when you join DeleteMe
• 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle!
• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 🗂️ Use promo code RAMSEY for 18% off at The Nokbox
• 💵 Learn more about Timothy Plan
• 🏛 Get started with YRefy or call 844-2-RAMSEY
• 🔐 Visit Zander Insurance for your free instant quote today!

Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

🛒 Shop weeklong Cyber Monday deals starting at $10! 

🏠 Get organized and prepared to buy or sell a home. 

💵 Start your free budget today. Download the EveryDollar app!

🎄 Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

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💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

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📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱Watch the full episode for free in the Ramsey Network app.

While we're out for the long weekend, we've compiled some of our favorite Rachel and Jade calls from the past couple of years. Enjoy your day and we'll be back with a live show on Monday!

Rachel Cruze & Jade Warshaw answer your questions and discuss:

• "I’m over $1M in debt, what can we do?"
• "I work 90 hours/week and am in terrible debt"
• "My husband lost his job after we bought a house."
• "Is it ethical for us to use charity food pantries?"
• "My husband has always left me out of our finances. What should I do?’"
• "Tips to lower Insurance rates for homes/cars this year."

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• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 💻 Visit NetSuite today to learn more
• 🗂️ Use promo code RAMSEY for 18% off at The Nokbox
• 🏛 Get started with YRefy or call 844-2-RAMSEY
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Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

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🍸 Smart Money Happy Hour

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💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

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📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱Watch the full episode for free in the Ramsey Network app.

Dave Ramsey & John Delony answer your questions and discuss:

• ‘My husband doesn't help with our bills’
• ‘Borrow $1.2M to buy a small business?’
• ‘How can I sustain working 80 hours a week?’
• 'How do I get over the shame of bankruptcy?'
• ‘My wife got caught in an internet scam.’
• 'Is it wise to propose while still in debt?'

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• 🌱 Get 10% off your first month of BetterHelp
• 🏥 Learn more about Christian Healthcare Ministries
• 🏡 Get started today with Churchill Mortgage
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• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 💻 Visit NetSuite today to learn more
• 🗂️ 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!

Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

💵 Start your free budget today. Download the EveryDollar app!

🛒 Black Friday deals are here! Get meaningful gifts for as low as $8!

🎟️ See Dave and John LIVE in a city near you!

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

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📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱Watch the full episode for free in the Ramsey Network app.

Dave Ramsey & Ken Coleman answer your questions and discuss:

• "Does God want us to be wealthy?"
• "Our daughter wants us to sponsor a green card,"
• "Sell our house to pay off $400k of debt?"
• "Due to a prenup I have to move out soon,"

Support Our Sponsors:

• 🌱 Get 10% off your first month of BetterHelp
• 🏥 Learn more about Christian Healthcare Ministries
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• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 💻 Visit NetSuite today to learn more
• 🗂️ 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!

Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

🎁 Black Friday Start Now with Deals as low as $8.

🎟️ See Dave and John LIVE in a city near you!

💵 Start your free budget today. Download the EveryDollar app!

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

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📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱Watch the full episode for free in the Ramsey Network app.

Dave Ramsey & Rachel Cruze answer your questions and discuss:

• "I hate my job and want to get out of debt,"
• "What's the benefit of using an escrow account?"
• "I'm behind on my credit card payments,"
• "How do I get my kids off my payroll?"
• "Should I invest in real estate?"

Support Our Sponsors:

• 🌱 Get 10% off your first month of BetterHelp
• 🏥 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!
• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 💻 Visit NetSuite today to learn more
• 🗂️ 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!

Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

🎟️ See Dave and John LIVE in a city near you!

💵 Start your free budget today. Download the EveryDollar app!

🛒 Black Friday deals are here! Get meaningful gifts for as low as $8!

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

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📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱Watch the full episode for free in the Ramsey Network app.

Dave Ramsey & Jade Warshaw answer your questions and discuss:

• "My husband's gambling put us in 120k of debt,"
• "Am I obligated to help my adult children?"
• "Should I invest more or pay off the house?"
• "I'm angry that my wife wants a larger house,"
• "My girlfriend is considering debt relief"

Support Our Sponsors:

• 🌱 Get 10% off your first month of BetterHelp
• 🏥 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!
• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 💻 Visit NetSuite today to learn more
• 🗂️ 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!

Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

💵 Start your free budget today. Download the EveryDollar app!

🛒 Black Friday deals are here! Get meaningful gifts for as low as $8!

🎟️ See Dave and John LIVE in a city near you!

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

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🍸 Check out more episodes of Smart Money Happy Hour

Tired of giving your dad the same pack of white socks every year for Christmas? In this episode, Rachel and George have the gift inspo you’ve been looking for—plus great ideas for the one on your list who has everything.

Rachel and George’s Gift Guide:

Wine and Cocktail Lovers

• Cocktail shaker that doesn’t freeze your hands 
• Vintage cocktail book

People Who Love to Cook

• Meat chopper
• Citrus squeezer

Tech and Gadget Lovers

• Cordless phone charger
• Extended-length phone charger cable

Kids

• Digital camera

Parents/Grandparents

• Neck fan
• Foot spa
• Massage gun
• DeleteMe

Spouse

• Coffee subscription
• Flower delivery

White Elephant/Dirty Santa

• Milk frother
• Wine decanter

“Take the Hint” Gifts

• Apple AirTag
• Rachel’s favorite self-help book: The Anxious Generation by Jonathan Haidt
• Ramsey Solutions official store (Black Friday deals)

For the One Who Has It All

• Customized sign/art
• Cozy Earth products (Use code SMARTMONEY for exclusive discount up to 45% off)

Today’s Happy Hour Special: 🍷 Red Sans-Gria

Recipe from Drinking for Two: Nutritious Mocktails for the Mom-to-Be

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📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱Watch the full episode for free in the Ramsey Network app.

Dr. John Delony & George Kamel answer your questions and discuss:

• "Investing while paying off debt,"
• "Getting on the same page with our finances"
• "Wait for the economy to improve before I invest?"
• "My mother-in-law wants my wife to stay home,"
• "Should I throw everything at my mortgage?"

Support Our Sponsors:

• 🌱 Get 10% off your first month of BetterHelp
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• 🏡 Get started today with Churchill Mortgage
• 🔒 Get 20% off when you join DeleteMe
• 🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle!
• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 💻 Visit NetSuite today to learn more
• 🗂️ 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!

Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

💵 Start your free budget today. Download the EveryDollar app!

🎄 You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today.

🩺 Find the Right Health Coverage During Open Enrollment

🎁 50 days of Christmas deals are here! Get 30% off meaningful gifts.

🎟️ Get Tickets to the Money & Relationships Tour

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

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📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱Watch the full episode for free in the Ramsey Network app.

Dave Ramsey & Ken Coleman answer your questions and discuss:

• "My fiance hasn't filed taxes in 20 years..."
• "I asked my parents if they can forgive my loan,"
• "Should I rent out my house during the NFL Draft?"
• "My brother co-signed a car with my late father,"
• "I'm worried grandkids will blow their inheritance,"

Support Our Sponsors:

• 🌱 Get 10% off your first month of BetterHelp
• 🏥 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!
• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 💻 Visit NetSuite today to learn more
• 🗂️ 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!

Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

🎄 You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today.

🩺 Find the Right Health Coverage During Open Enrollment

💵 Start your free budget today. Download the EveryDollar app!

🎁 50 days of Christmas deals are here! Get 30% off meaningful gifts.

🛳️ Live Like No One Else Cruise

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

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📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱Watch the full episode for free in the Ramsey Network app.

Dave Ramsey & Jade Warshaw answer your questions and discuss:

• "My terminally ill wife hid debt from me,"
• "Is $42k a year enough income to build wealth?"
• "Should I buy a $1M house in cash?"
• "We overbought on a house; what do we do?"
• "Getting out of a car I'm $5K upside down on"
• Dave and Jade interview millionaires to find out how they built their wealth.

Support Our Sponsors:

• 🌱 Get 10% off your first month of BetterHelp
• 🏥 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!
• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 💻 Visit NetSuite today to learn more
• 🗂️ 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!

Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

🩺 Find the Right Health Coverage During Open Enrollment

💵 Start your free budget today. Download the EveryDollar app!

🎄 You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today.

🎁 50 days of Christmas deals are here! Get 30% off meaningful gifts.

🎟️ See Dave and John LIVE in a city near you!

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

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Ramsey Solutions Privacy Policy

Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱Watch the full episode for free in the Ramsey Network app.

Dave Ramsey & Rachel Cruze answer your questions and discuss:

• "My parents are worried about losing their home,"
• "Should I go back to grad school after getting laid off?"
• "When should I consider refinancing my home?"
• "How do I sell the gold I dredge?"
• Dave Rant on stupid tax advice.

Support Our Sponsors:

• 🌱 Get 10% off your first month of BetterHelp
• 🏥 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!
• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 💻 Visit NetSuite today to learn more
• 🗂️ Use promo code RAMSEY for18% off at The Nokbox
• 🏛 Get started with YRefy or call 844-2-RAMSEY
• 🔐 Visit Zander Insurance for your free instant quote today!

Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

💵 Start your free budget today. Download the EveryDollar app!

🎄 You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today.

🩺 Find the Right Health Coverage During Open Enrollment

🛳️ Live Like No One Else Cruise

🛒 Shop the online store at Ramsey Solutions

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

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Ramsey Solutions Privacy Policy

Learn more about your ad choices. Visit megaphone.fm/adchoices

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan

📱Watch the full episode for free in the Ramsey Network app.

Dave Ramsey & George Kamel answer your questions and discuss:

• "My parents have no retirement savings and are expecting us to help,"
• "How can I diversify my investment portfolio?"
• Should I freeze my credit?
• "My husband thinks we are too broke to have a baby?:"
• "Should I keep my Universal Life insurance policy?"
• Jimmy Darts on how fun it is to give money away (follow him at @jimmydarts)

Support Our Sponsors:

• 🌱 Get 10% off your first month of BetterHelp
• 🏥 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!
• 🥗 Save 15% on your first Field of Greens order with code RAMSEY
• 💤 Visit Helix Sleep for special offers!
• 💻 Visit NetSuite today to learn more
• 🗂️ Use promo code RAMSEY for18% off at The Nokbox
• 🏛 Get started with YRefy or call 844-2-RAMSEY
• 🔐 Visit Zander Insurance for your free instant quote today!

Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

🎄 You could win $5,000 in the Ramsey Christmas Cash Giveaway! Enter today.

🩺 Find the Right Health Coverage During Open Enrollment

💵 Start your free budget today. Download the EveryDollar app!

🎁 50 days of Christmas deals are here! Get 30% off meaningful gifts.

🎟️ Get Tickets to the Money & Relationships Tour

Listen to more from Ramsey Network

🎙️ The Ramsey Show  

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

💡 The Rachel Cruze Show

💸 The Ramsey Show Highlights

💰 George Kamel

💼 The Ken Coleman Show

📈 EntreLeadership

Learn more about your ad choices. https://www.megaphone.fm/adchoices

Ramsey Solutions Privacy Policy

Learn more about your ad choices. Visit megaphone.fm/adchoices