The Ramsey Show

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George Kamel & Jade Warshaw answer your questions and discuss:

• "Convince me why I should pay off my debt instead of keeping money in a high-yield savings account,"
• The best ways to get out of a poverty mindset,
• "My in-laws want to "help us" buy a house,"
• George and Jade layout some great side-hustle ideas,
• "Can I afford to buy a boat?"

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💵 Sign-up for EveryDollar today - The simplest way to budget for your life!

Jade Warshaw & Ken Coleman answer your questions and discuss:

• "Should I pay off my house?"
• "Is it greedy to have a monthly income goal?"
• "Which debt should I pay off first?"
• Why you can't blame your way to a better life,
• "I've got a pile of debt and don't know what to do,"
• "What's the best way to build wealth?"

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💵 Sign-up for EveryDollar today - The simplest way to budget for your life!

Jade Warshaw & George Kamel answer your questions and discuss:

• "I'm tired of buying used cars; can I buy a new one?"
• 5 tax myths for tax season,
• "I don't know what to do with my money,"
• "I'm getting killed by the interest on my debt,"
• "We're not on the same page about money"

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💵 Sign-up for EveryDollar today - The simplest way to budget for your life!

George Kamel & Ken Coleman answer your questions and discuss:

• Dealing with crappy HOAs,
• "I'm afraid to stop living a beans and rice lifestyle even though I'm financially secure,"
• "I feel like I'm fighting a losing battle,"
• "What do I do with an old 401(k)?"
• read more: 401(k) Rollovers: Everything You Need to Know,
• "How can I get rid of these student loans?"

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💵 Sign-up for EveryDollar today - The simplest way to budget for your life!

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

• "I'm afraid to talk to my family about money,"
• "My wife feels like she owes me money,"
• "I need some financial direction,"
• "My son is unemployed and is losing his home,"
• "Can I get Dave's blessing to buy a new expensive car?"
• "Should I work for less pay if it's more fulfilling?"
• "Can I build wealth on a tight budget?"

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🚨 Exclusive Livestream Offer 🚨

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At the Break the Cycle livestream, our experts will break down what’s really keeping you stuck with your money—and the simple changes you can make to get unstuck. If you commit, 2024 can be the year you feel confident in your finances and start making real progress with your money.

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George Kamel & Ken Coleman answer your questions and discuss:

• "Convince me to cut up my credit card..."
• "It seems like we can never catch up and save,"
• "How much house can I afford?"
• "How do I know if I'm being paid fairly?"

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Dave Ramsey & Jade Warshaw answer your questions and discuss:

• "Should I pay off my investment property or buy another?"
• "Will we ever be able to get a house?"
• "My girlfriend is going to take on $250k of debt,"
• "My bills are more than my income,"
• "I feel aimless with my money, what should I do?"

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💵 Sign-up for EveryDollar today - The simplest way to budget for your life!

Dave Ramsey & George Kamel answer your questions and discuss:

• "What kind of car can I afford?"
• "How do I manage a $1 million inheritance?"
• "Is it too late to save for retirement?"
• Dave sums up the Ramsey Plan,
• Dave and George talk to millionaires about how they built their wealth in another Baby Steps Millionaire Theme Hour.

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Dave Ramsey & George Kamel answer your questions and discuss:

• "What's the best way to build a home?"
• "How do I tell my boss that I'm leaving?"
• "What's the best way to combine finances?"
• "My husband is reluctant to do the Baby Steps,"
• "Should I save or invest most of my income?"
• "I bought a house with my ex-fiancee,"
• "Should I move back in with my parents?"
• "Should we focus on paying off our home?"
• "Can we afford to spend $110K on an RV?"
• "How can I build a stable financial future?"
• "My debt is stressing me out,"
• "Should we be investing while paying off debt?"

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Dave Ramsey & Ken Coleman answer your questions and discuss:

• "My mentor is mad that I didn't invest with him,"
• "What's the best way to pay off my debt?"
• "Should I pay off my house with my IRA?"
• "Should we move closer to my work?"
• "How do I ask for a raise increase?"
• "I feel stuck in my job,"
• "Can I buy a house without credit or in cash?"
• "Should I sell my real estate investments?"
• "We're upside down on our cars,"
• "Should I change careers?"
• "How do I talk to my foster son about money?"
• "Should I roll over my IRA?"
• "Should I look for a new job?"
• "How do I negotiate my work compensation?"

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

• How to talk to friends when they're struggling with finances,
• Why you should never keep debt even if it's a low interest rate,
• read more: Pay Off Debt or Save for the Future?
• "I just discovered we're living paycheck to paycheck on my husband's six figure salary - what should I do?"
• read more: Money and Marriage: 7 Tips for a Healthy Relationship
• "How to balance work, paying off debt, and life with a new baby,"
• "How do I pay bills without an income?"
• "Should I quit my job to work on my business?"
• "My dad is hopeless, how can I help him?"
• "Should I wait for student loan forgiveness?"
• "How do I stop spending money on dumb things?"
• "Can we afford to buy a house?"
• "The best way to pay extra on a mortgage,"
• "Getting out of a poverty mindset"

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

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The simplest way to budget for your life: EveryDollar

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Dave Ramsey & Jade Warshaw answer your questions and discuss:

• "I'm $400k in debt...what do I do next?"
• "How can I avoid student loans?"
• "How can I encourage others to get out of debt?"
• "I'm worried that my help has been a waste,"
• "How can I buy a car while paying off debt?"
• "Starting over after a divorce,"
• "Do I need life insurance if I have no income?"
• "Should I move out on my own?"
• "Should I sell my business?"
• "Paying off debt while in college,"
• "How should we set up our estate plan?"
• "Should I quit my job to be a stay-at-home mom?"
• "I don't know how to move forward financially,"

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

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Dave Ramsey & Rachel Cruze answer your questions and discuss:

• "My father-in-law is trying to sell us whole life insurance,"
• "My husband has an underpaying job and thinks our money is my responsibility,"
• "Is it okay for my grandma to give me $30K and not the rest of my family?"
• "Should I invest more or pay off my house?"
• "Is there any hope for my finances?"
• "Am I hurting my family's financial future?"
• "Should we wait for student loan forgiveness?"
• "Is a CD the safest place for an investment?"
• "Should we sell before our yard is taken?"
• "How do we navigate combining finances?"
• "Should we lower our tithe?"
• "Should I sell my rental property?"
• "What's the fastest way to pay off a vehicle?"

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

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Dave Ramsey & George Kamel answer your questions and discuss:

• "How can we best bless our kids?"
• "Should we sell our home when we move?"
• "How should we handle estate planning?"
• "How do I prepare to buy a house?"
• "Covering medical bills while paying off debt,"
• The difference between gross and net income,
• "Can we afford to buy a house?"
• "How much should we be spending?"
• "What tax deductions should I look for?"
• "How do we clean up our financial mess?"
• "How can I sell my car?"
• "What should we do with extra money?"
• "How should we use a life insurance payout?"
• "Sell our house and move to pay off debt?"
• "How can I best help my mom?"
• Why you should ride the investing rollercoaster.

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Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke!

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Dave Ramsey & George Kamel answer your questions and discuss:

• "My husband's crazy ex-wife is trying to steal our money,"
• "How do I budget and build wealth?"
• "Should we take out a HELOC to buy a vacation home?"
• "Does this pass the 'burn on the floor' test?"
• "Can I invest while saving my emergency fund?"
• "I'm 63 and don't know how to retire,"
• "Should we cash out a whole-life policy?"
• "Pay off debt or keep saving for school?"
• "Should I invest or save for home repairs?"
• "Should we cash out my wife's retirement?"
• "My husband's side hustle doesn't make money,"
• "I'm $45,000 in debt, what can I do?"

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Jade Warshaw & Rachel Cruze answer your questions and discuss:

• Going back to school while paying off debt,
• Getting on the same page with a significant other,
• "In dating, when do you discuss 'non-negotiables'?"
• "What should I do after getting a pay raise?"
• "How can I invest while in college?"
• "Am I paying off my mom's debt the right way?"
• What salary is considered "middle class"?
• "Should we sell our rental properties?"
• "What should I do as a recent college grad?"
• "Should I take out a 0% interest loan?"
• "Should we buy a house?"
• "Where should we be saving for a house?"
• "Invest or pay off our home before having kids?"

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

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Dave Ramsey & Ken Coleman answer your questions and discuss:

• "Where should we be saving after selling a house?"
• "Should we continue working for family?"
• "Should I repair or replace my totaled car?"
• "How do we start a business without debt?"
• What it means that mortgage rates are dropping,
• "How do I build wealth as a teacher?"
• "I feel discouraged about money,"
• "What's the best way to become a pilot?"
• "Saving for a ring while paying off debt,"
• "What is considered a 'good income'?"
• "How much house can we afford?"
• "I don't want to be a sugar mama,"
• "How do I pick the right career?"
• "Struggling with spending after paying off debt"

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

• "I'm being sued by a credit card company,"
• "Should we pay off student loans first or buy a house?"
• "Pull from stocks to pay off our house?"
• "Should I lie to my entitled mother about money?"
• "Should I pay my dad's parent plus loan?"
• "Should I use savings to pay off my truck?"
• "Go back to school if we still have debt?"
• "My wife struggles with my career as a firefighter,"
• Dave's advice around prenups,
• "Should my parents set up a trust or a will?"
• "How can I get rid of my car?"
• "Convincing my daughter to pay cash for college,"
• "Should I leave my marriage?

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

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Dave Ramsey & George Kamel answer your questions and discuss:

• Setting goals that actually work,
• "How do we stop living paycheck to paycheck making $130k a year?"
• "How should I plan to buy a house?"
• read more: First-Time Home Buyer’s Complete Guide,
• "Should we wait for student loan forgiveness?"
• "How can I ditch my universal life policy?"
• "Should we buy a failed business?"
• "How can I talk to my husband about money?"
• "My parents are in financial ruin,"
• "How can I pay off debt with 90% interest?"
• "Do your parents' debts pass on to you?"
• "What's the best way to invest $200K?"

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

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Dave Ramsey & Ken Coleman answer your questions and discuss:

• "Should we sell our house to buy another one?"
• "Should I buy my wife a new car?"
• "My health insurance is $1500/month,"
• "I'm a pastor, how can I increase my income?"
• "Should I buy a $1m House"
• "Pay off my house or focus on retirement?"
• "How do I buy a house without credit?"
• "Creating a budget for inconsistent income?"
• "We loaned our son money that he won't pay back,"
• "Should I tithe if I don't attend the church?"
• "I'm having a moral conflict with my career,"
• "Save extra in case my 529 runs out?"
• "How do I discern if my new job is good or not?"
• "Should we focus on finding good interest rates?"
• "What should I do with an inheritance?"

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Dave Ramsey & George Kamel answer your questions and discuss:

• "I'm 22 years old, how do I start investing?"
• "Should I pay off my ex-husband's house?"
• "Should I invest more than 15%?"
• "Should we use savings to pay off the house?"
• "Marriage is falling apart, wife is crazy spending,"
• "What should I do with an annuity my dad left?"
• "Ex-wife wants a one-time alimony payment"
• "Should I get a career starter loan from the navy?"
• "What should I do with my old 401(k)?"
• "We're having trouble keeping a budget,"
• "When do you have to pay capital gains tax?"
• "How do I save money left from scholarships?"
• "Trying to decide between two jobs."

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Dave Ramsey & George Kamel answer your questions and discuss:

• "We disagree on how much to save for a house,"
• "How do I save for retirement at my age?"
• "What should I do after going through divorce?"
• "How do I start building long-term wealth?"
• "How should I enjoy wealth as a pastor?"
• "Should I pay off medical bills or cars?"
• "Should I mortgage my rental properties?"
• "How do I prepare for upcoming expenses?"
• "Should I be concerned about de-dollarization?"
• Baby Steps Millionaire Theme Hour.

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Dave Ramsey & Jade Warshaw answer your questions and discuss:

• "Take advantage of credit card points?"
• "How to prepare for a job loss?"
• "Should I change companies for a raise?"
• "How do I set boundaries with my parents?"
• "How do I navigate a family tragedy?"
• What happens to your brain when you experience trauma,
• "How can I help my son with his medical debt?"
• "Should we refinance our mortgage?"
• Trying to sell a camper to family,
• "Buy a new car or pay off my house?"
• "401(k) loan to pay off a reverse mortgage?"
• "Pull from a brokerage account to pay off debt?"
• "Buy a second home to be near my boyfriend?"
• "Get a job that pays more if it requires a new car?"
• "How do I stop living below the poverty line?"

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

• "I'm running out of money to fight for custody,"
• "Should I wait to pay off my house?"
• "Making wise plans for our future family,"
• "Am I on Baby Step 2 or Baby Step 7?"
• "How soon should we pay off our mortgage?"
• "How do you explain paying off a home with a low monthly payment/balance?"
• "We are scared to go into debt for a house"
• "Should we update our house even if we move later?"
• "I owe over $200K in student debt, what do I do?"
• "How can I help my mother with her spending?"
• "How do I get out of my 19% interest car loan?"
• "How do I access funds in retirement?"
• "Should I downsize now that the kids are gone?"
• "Am I too old to take out a student loan?"

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Merry Christmas! We hope you enjoy this special replay episode of our Annual Giving Show from last year. If you missed this year's Giving Show on December 18th, it was a special one; make sure you go back and listen to it.

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Jade Warshaw & Ken Coleman answer your questions and discuss:

• "Should I refinance my student loans?"
• "Am I being too intense?"
• "Should we give money in Baby Step 2?"
• "How do I handle a loan with my ex-husband?"
• "Should I quit my day job?"
• "How do I start paying off my credit cards?"
• "How can we cash flow a baby?"
• Buying a house while paying off debt,
• "I owe my sister $20,000,"
• Jade shares party budgeting tips for Christmas,
• "What should I do after paying off debt?"
• "Should I sell my car?"
• "How do I pay off debt & build wealth?"

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Dave Ramsey & Jade Warshaw answer your questions and discuss:

• "Should we sell our house?"
• "I don't want to wait to start investing,"
• "Should we buy a smaller house?"
• "How can I get out of debt?"
• "My ex-wife isn't contributing to our kids' education,"
• "Should I pay off my fiance's debt?"
• "Should I wait to sell my car?"
• "How do I navigate life without credit?"
• "Should I take out a HELOC to do a remodel?"
• "What should I do with my whole life insurance policy?"
• "My husband wants to buy a new side-by-side,"
• "My student loans are going into collections,"
• "Financially preparing for divorce,"
• "Should I buy a Camaro?"

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Dave Ramsey & Ken Coleman answer your questions and discuss:

• "My in-laws are trying guilt us into letting my brother-in-law move in with us..."
• "How should I use a large inheritance?"
• "Where should I invest while saving for a home?"
• "Can we afford to buy a house?"
• read more: How Much House Can I Afford?
• "Should I take out a loan for online courses?"
• "Can we get rid of our term life insurance?"
• "How do we finalize the paying off of our house?"
• "Should I pull from stocks to pay off debt?"
• "Should I live in a mobile home to save money?"
• "I have an 'income for life' rider on my annuity,"
• "How do I guide my son in this crazy job market?"
• "Should I give my 18-year-old a house?"
• "Should I quit my job?"
• "Should we sell our house when we move?"

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Dave Ramsey & Jade Warshaw answer your questions and discuss:

• A young widow that lost confidence her managing her finances after her husbands passing,
• learn more: EveryDollar.com
• How to prepare to buy a home when getting married,
• A Debt Free Scream from a couple that almost didn't get married because of the amount of debt they had,
• A caller that didn't know if he should sell his rental properties to improve his cashflow,
• read more: How to Invest in Real Estate
• A wife who discovered her husband had 22 credit cards he had hidden from her,
• "Are tax-relief companies legitimate?",
• learn more: RamseySolutions.com/TaxPro
• Homesteading is a great idea but you should never do it for the tax benefits,
• Why you should never do a land contract,
• What to do when your debt is more than your annual income,
• read more: How the Debt Snowball Method Works
• How to prepare to buy a house,
• read more: How to Buy a House in 2023
• A Debt Free Scream from a couple that battled infertility issues while tackling their debt,
• Why you should never have a company credit card with American Express,
• The reasons you don't need a credit score to succeed in life.
• read more: Living Without a Credit Score

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Dave Ramsey, George Kamel, and Jade Warshaw hear your stories of outrageous generosity. It's one of our favorite shows of the year, you don't want to miss it!

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George Kamel & Ken Coleman answer your questions and discuss:

• How to find a new vehicle for an affordable price after a total loss,
• read more: 10 Car Buying Tips
• What to know before hiring a financial planner,
• Find your very own SmartVestor Pro today
• The best uses for the profits of selling real estate,
• Why mortgage rates are dropping and how the market affects them,
• read more: RamseySolutions.com/Agent
• How to decide if you should move closer to work if it will increase your rent,
• What you should considering selling when tackling your debt,
• A caller that told us she's pregnant and overwhelmed by debt,
• Why student loans are not the answer to increase your income,
• Why you shouldn't do all the Baby Steps at one time,
• read more: The 7 Baby Steps
• How to determine if you can afford to go from a dual to single income so one of the parents can stay home with the kids,
• How to pay off debt when trying to make a career change,
• A caller who's in-laws took out $15,000 of student loans in their daughters name,
• Why you should never pull from your 401k to pay off debt,
• A 15-year-old caller that's made $25,000 flipping dirt bikes and wants to know the best way to save,
• How to balance being frugal and spending to take care of a child's health needs.

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Jade Warshaw & Ken Coleman answer your questions and discuss:

• "Should we travel out of the country for a wedding while paying off debt?"
• "How do we restart the Baby Steps?"
• "Is it okay to take out a mortgage?"
• "Can I get a college degree without debt?"
• The "American Nightmare" created by the US's obsession with debt,
• "How can I know my value in the job market?"
• "Would it be smart to buy a $65K car?"
• "How can I get my finances under control?"
• "Should I sell my house to pay off debt?"
• "How should I go back to school?"
• "Budgeting while in a high cost-of-living area,"
• "How do I prepare for a potential strike?"

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

• "My husband doesn't help with our bills,"
• "I just took out my first student loan,"
• "Should I borrow $1.2M to buy a small business?"
• "How do I prepare to move out?"
• Why most of your poor financial decisions start with you,
• "Cash out my profit sharing to pay off debt?"
• "How can I buy a car with bad credit?
• "My spouse's spending is crippling our finances,"
• "My tax professional filed my taxes wrong,"
• Dealing with collectors,
• "Can we afford to buy a house?"
• "My mom has had a whole life policy since 1996,"
• "How do we buy our first rental property?"
• "Am I eligible for manual underwriting?"

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Dave Ramsey & Ken Coleman answer your questions and discuss:

• "I'm making $150k at my side hustle...can I quit my job?"
• read more: How to Take Your Side Hustle Full Time,
• "What should my goals be in Baby Steps 4-6?"
• "How much house should we buy?"
• "I haven't filed taxes since 2020..."
• read more: Tax Debt Relief: How to Handle Back Taxes,
• "How do I use this inheritance?"
• "Is now a good time to start my own business?"
• "How do I prepare to get fired?"
• "My store is on the brink of bankruptcy..."
• "My wife wants to pay off the higher balance debt first,"
• "How do I pay off my home while trying to retire?"

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Dave Ramsey & George Kamel answer your questions and discuss:

• "My wife doesn't think we can afford to retire,"
• "How do I start paying off debt?"
• "Should I wait for interest rates to come down?"
• "My boyfriend wants us to buy a house in cash,"
• "Is it possible to eliminate the national debt?"
• "How can I best guide my mom & sister?"
• "I got scammed by my dad,"
• "What should I do with income from my rental?"
• Following up with a previous caller (Sarah from Nashville),
• "I'm lost on how to manage my money"

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

• Dealing with an online gambling addiction,
• Budgeting for therapy,
• Sacrificing to pay off over $200k in student loans,
• Moving forward after debt, divorce and job loss,
• "I lied to my girlfriend about my debt,"
• Cancelling insurance to pay off debt,
• What debts to pay off first
• Where to start when you owe over $400k in debt,
• "My debt is keeping us from owning a house"
• "I feel so constrained by our budget this Christmas"
• "Bankruptcy is not the solution to your problem"
• "How do I keep myself from spoiling my kids"

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Rachel Cruze & Ken Coleman answer your questions and discuss:

• Letting go of past financial mistakes,
• "My husband doesn't want me to stay at home,"
• "We feel guilty spending our money,"
• "I barely make any money, what can I do?"
• "Should I take out more loans to continue my education?"
• "How do I talk to my parents about money?"
• Money lessons from Christmas movies,
• "Paying off debt while unemployed,"
• "Should we sell our house when we move?"
• "Should I tell my boss that I'm looking for a new job,"
• "Did we buy too much home?"
• "Take out student loans to start a business?"
• "Is our childcare cost too high?"

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

• How to start managing investments after a loved one passes,
• read more: Questions to Ask a Financial Advisor at Your First Meeting
• What to do when a job requires you to have a credit score,
• George's book: Breaking Free From Broke
• How to get started flipping houses,
•  read more: How to Flip a House
• "Should I buy a Tesla for the tax credits?"
• read more: What are Tax Credits?
• How to know if you should sell your house to get out of debt,
• How to go back school without debt when living paycheck to paycheck,
• A caller financed 3 vehicles to start a rental car business and ruined their finances,
• The biggest excuses George hears about cars,
• read now: How to Buy a Used Car Right Now
• "How do I stay within my budget?"
• "I'm underwater on my car and can't get a loan,"
• "How can I help my daughter deal with collectors?"
• "Should I buy a house while still in debt?"
• "Pull from my 401(k) to pay off the IRS?"
• "Is now a good time to buy a house?"

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Rachel Cruze & Dr. John Delony answer your questions and discuss:

• "Should we buy long-term care insurance?"
• "How do we deal with a setback in our budget?"
• "Should we wait to move for a new job?"
• "When do I stop investing?"
• "I don't know where our money is going,"
• "Can we pause investing to grow our business?"
• "Does it make sense for us to combine finances?"
• "How do we best leave real estate to our kids?"
• "Grieving a cancer diagnosis,"
• "Paying off debt while still in school,"
• "We aren't getting the promised solar tax breaks,"
• "Should I use a debt consolidation loan?"

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Ken Coleman & George Kamel answer your questions and discuss:

• "15% to retirement is too much for our budget,"
• "How do I pay my bills after losing my job?"
• "What's the best way to combine finances?"
• "How do we get started investing without risk?"
• "What should I do with money from a lawsuit?"
• "We disagree about our rental property..."
• "Should I focus on pay or finding my calling?"
• "What's the best way to tackle my student loans?"
• "Should I sell my car?"
• "Should I buy rental property with my family?"
• "Does funding asbestos removal count as an emergency?"
• "Would it be smart to sell our house?"
• "How do I budget for unexpected issues?"
• "Should I buy my parents' house?"
• "What's my next step to find my dream job?"

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Ken Coleman & Rachel Cruze answer your questions and discuss:

• Why combining money before you get married is a bad idea
• "Is my wife a princess for not wanting to work?"
• "Preparing to take on my girlfriend's debt?"
• "Am I being too stingy with vacations?" (Yes)
• "My lifestyle is completely unsustainable..."
• "Am I being irresponsible?"
• "Buy a home if it will double my housing cost?"
• "What should I do with my increased income?"
• "Can I use my emergency fund for daughter's quinceañera?"
• "How do I get ahead when my income is so low?"
• "Should I keep my whole life insurance?"
• "Should I move out of my parents' house?"
• "Sell rentals and primary to buy our dream home?"

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Jade Warshaw & Rachel Cruze answer your questions and discuss:

• "Should I pull from my 401(k) to pay off debt?"
• "What's the best way to pay off my truck?"
• "How should I save money for the future?"
• "Can we afford to stay in our current apartment?"
• Living paycheck-to-paycheck,
• "How can we fix our finances?"
• "Scammers are after my father, what can I do?"
• "We hate the house we bought,"
• "How do I start investing?"
• "Should we give Christmas gifts to teachers?"
• "Should we pay off our house before investing?"
• "Pay off debt before buying more rentals?"
• "Should I drop my car insurance?"
• "Pay off debt before buying more rentals?"

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Rachel Cruze & Jade Warshaw answer your questions and discuss:

• "Should I take out a loan from a family member?"
• "Should I have more than $1000 in Baby Step 1,"
• "My parents lost their business, how can I help?"
• "The real truth about Christmas gifts,"
• "How should I save for a house?"
• Why it's sometimes hard to make wise money decisions
• "I'm scared to tithe while on Baby Step 2,"
• "I'm not happy with our affordable vacations,"
• "My husband is about to file bankruptcy"
• "Should I leave my job?"
• "How can I best pay off debt?"
• "Should we cash out investments to pay off debt?"
• "Should we move closer to family?"
• "I'm $42K in debt and just lost my job"

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George Kamel & Ken Coleman answer your questions and discuss:

• "I don't know what I want to do while grieving,"
• "Pay minimum payments while saving for a house?"
• "Should I take a commission only job?"
• "How do I balance my faith with pursuing wealth?"
• "Pay off our house before starting to invest?"
• "Change our budget for my seasonal job?"
• "Take cash from my mom with strings attached?"
• "Take a lower paying job or wait for a better offer?"
• "I bought a house and found out the seller painted over mold,"
• "Should I stop investing to pay off my loans?"
• "What is the safest way to invest with family?"
• "Should I talk to my spouse about money?"
• Dealing with a rude and difficult boss.

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

• "Our 23-year-old stepson doesn't want to be an adult,"
• "I'm afraid to use life insurance to pay off debt,"
• "How do I pay off my debt faster?"
• "Rebuilding my life after divorce,"
• "Can we afford to be generous?"
• "I don't trust myself with money,"
• "Pay off debt before starting the Baby Steps?"
• "Should we sell our house when we move?"
• "What should I do with money in my bank?"
• "Should I propose with a ring from a past relationship?"
• "My dad gave us a house, what's our next step?"
• "Should I pay off my husband's debt?"

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While the team is off for Thanksgiving break, we've curated this special episode with some of our favorite calls of the year. We hope you enjoy and we'll be back on Monday!

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While the team is off for Thanksgiving break, we've curated this special episode with some of our favorite calls of the year. We hope you enjoy and we'll be back on Monday!

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Support Our Sponsors:

• Churchill Mortgage
• Zander Insurance
• Balance of Nature
• BetterHelp
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Start your EveryDollar Free Account today: Click Here

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The Black Friday Sale is here! Shop meaningful gifts for as low as $8 this week only! Click Here

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

• "My husband's drinking is affecting our money,"
• "I can't afford the minimum payments on my debt,"
• "How an I help my wife understand we can't afford to travel to visit family?"
• "Is the 15% investing rule based on gross or net?"
• "My house payment is half my take-home pay,"
• Preparing to manage money after college,
• Helping irresponsible family with money,
• "Should I buy a house with my brother?"
• "Should I pay my girlfriend's hospital bills?"
• "I'm having trouble finding a side hustle,"
• "I am recovering from a gambling addiction,"
• "Should I take out a loan to pay off my IRS debt?"

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

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Rachel Cruze & Jade Warshaw answer your questions and discuss:

• "We have $200k in student loan debt,"
• "Should I move back in with my parents?"
• "Should I get life insurance for my baby?"
• "Navigating social obligatons on a budget,"
• "How can I save to pay cash for a house?"
• "How do I invest to create a passive income?"
• "Getting spouse on the same financial page,"
• Dealing with a 9-to-5 schedule,
• "Should we move or pay off our home?"
• "Should I pay off my student loans or car first?"
• "What is the 25% rule for house payment?"
• "I am feeling overwhelmed about my finances..."
• "Is it okay to take out a small loan for a reliable car?"
• "My husband's truck is about to be repossessed"

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Support Our Sponsors:

• Zander Insurance
• Balance of Nature
• BetterHelp
• Christian Healthcare Ministries
• Neighborly

Start your EveryDollar Free Account today: Click Here

The Black Friday Sale is here! Shop meaningful gifts for as low as $8 this week only!: Click Here

Protect yourself with the right coverage—Take our Coverage Quiz!

Want a plan for your money? Find out where to start: Click Here

Listen to all The Ramsey Network podcasts: Click Here

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