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The Ramsey Show believes you can build wealth and take control of your life—no matter what stupid mistakes you've made with money. Join as Dave Ramsey and his team of experts answer your questions on the top problems holding you back. Listen now or ask your question live by calling 888.825.5225 weekdays from 2–5 p.m. ET. Learn more at www.ramseysolutions.com
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Episodes

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Published 2023-11-20

Intensity and Intentionality Are the Keys to Building Wealth

103 min
View

Ken Coleman & Dr. John Delony answer your questions and discuss:

  • "How can I help my parents without committing financial infidelity?"
  • "Should we cash out our investments to pay off debt?"
  • "My husband charges me rent and utilities,"
  • "How can I help my son pay for college?"
  • "We got divorced to protect my wife from debt,"
  • "My dad offered to pay off our house"
  • Why we work,
  • "How much do I put towards my side business?"
  • "Pay off truck or save money for the baby?"
  • "I bought a house with my ex-girlfriend"
  • "Should I sell my car to pay off student loans?"
  • "Is $1K really enough for an emergency fund?"
  • "What's the best way to make a career change?"


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Published 2023-11-17

Don’t Rob From Your Future Self!

113 min
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Jade Warshaw & George Kamel answer your questions and discuss:

  • "How do I manage my inventory?"
  • "I'm struggling to pay off debt even though I have the money in savings,"
  • "We disagree on what to do with extra money,"
  • "Should we live in my mother-in-law's house?"
  • "I was in a horrible hotel and can't get a refund,"
  • "How can I best help my grandma?"
  • All about tipping culture,
  • read more: How to Tip in All Situations,
  • "Our neighbors smoke a lot of weed..."
  • "My girlfriend's family sees me as just a dollar sign,"
  • "Is it still okay for me to retire early?"
  • "How do I pay for school to change careers?"
  • "Should we prepay college for our 2 kids?"
  • "My husband is worried about missing our kids while working"


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Published 2023-11-16

More Payments = More Problems

112 min
View

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

  • "My marriage doesn't look like I thought it would..."
  • "Should I cash off my bitcoin to pay off my car?"
  • "I'm tired of arguing with my husband,"
  • 15-year vs. 30-year mortgage,
  • Paying for youth sports on a tight budget,
  • "Should I pay off my car lease or student loans?"
  • "What should we do after paying off our house?"
  • How can I help my girlfriend tackle her debt?
  • "Going through a tough divorce,"
  • "Pause the Baby Steps to prepare for a baby?"
  • "How much should we spend on a vacation?"
  • "My boyfriend doesn't want me to take a new job"


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Published 2023-11-15

Getting Out of the Paycheck-to-Paycheck Cycle

112 min
View

Jade Warshaw & Ken Coleman answer your questions and discuss:

  • "I'm feeling financially stuck,"
  • "How can I get rid of my car loans?"
  • Report back from our Washington DC trip,
  • "How can I turn $20K into passive income?"
  • "Should I sign a six-year business lease?"
  • "Our HOA is making changes we don't like"
  • "Setting myself up for the future,"
  • "I feel broke because of my adult kids,"
  • "Should an emotional shopper stay out of malls?"
  • "What should I do with money left over?"
  • "How quickly should I pay off my house?"
  • "How do I get out of the payday loan cycle?"
  • "Keep paying out of pocket for school?"


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Published 2023-11-14

You’re Doing Better Than You Think!

111 min
View

Ken Coleman & Jade Warshaw answer your questions and discuss:

  • "Should I move closer to my job?"
  • "I'm in the military, should I buy or rent?"
  • "How do I position myself to take my boss's role?"
  • "Should I be on my parents' bank account?"
  • "How do I make traction with my finances?"
  • "Am I asking too much of my husband?"
  • "Should I start looking for new clients?"
  • "Tackling debt while expecting our first kid"
  • "Should I take out student loans the VA will refund?"
  • "Pay off student loans or PMI first?"
  • "How do I adjust my life after husband's passing?"
  • "How do you do Baby Steps 4-6 all at once?"


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Published 2023-11-13

Financial Freedom Helps You Solve for Peace

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

  • "We make $300k and live paycheck-to-paycheck," 
  • "Will the US dollar become obsolete?"
  • "How can I stay consistent with my budget?"
  • "Our home is a money pit, what can I do?"
  • "Pull from retirement to pay off our cars?"
  • "My mother is running out of money,"
  • "Which debt should I pay first?"
  • "When should I replace my vehicles?"
  • "Should I pay off my Tesla?"
  • "How do I prepare for retirement?"
  • "How should I use an insurance payout?"
  • "Should we sell our rental property?"
  • "Should we sell a car to pay off debt?"


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Published 2023-11-10

Today Is the Day to Chose What Your Future Looks Like

112 min
View

Ken Coleman & George Kamel answer your questions and discuss:

  • "I won $1m in the lottery and then lost it all,"
  • "I'm about to lose my job, what should I do?"
  • "How do I deal with house fever?"
  • "Should I sell my sports car?"
  • "My grandfather is leaving me his business instead of my father,"
  • "Should I leave my family's business?"
  • "Should I pay off a larger debt first?"
  • "Use our savings to do a mortgage recast?"
  • "I'm worried about pausing investing,"
  • "I feel like I'm drowning in debt,"
  • "Am I a lost cause?"
  • "I have over $2000 in car payments..."
  • "Use savings to invest or pay off our house?"


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Published 2023-11-09

Overcoming Your Bad Financial Decisions

112 min
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Jade Warshaw & Rachel Cruze answer your questions and discuss:

  •  "My mom doesn't want us to pay off our house"
  • "Should I get a HELOC to pay off legal bills"
  • "Do I keeping paying down debt while preparing to move"
  • How long should I pause investing
  • "Should I use my stocks to pay off debt"
  •  "Did I make an irresponsible decision"


Rachel Cruze & Ken Coleman answer your questions and discuss:

  • "I bought a house with my family & I can no long afford it"
  • "How do I get my wife on board"
  • Avoiding lifestyle drift as your income goes up
  • "Should I sell the house my father left me"
  • "Buying a new car so I can drive for Uber"
  • "Negotiating past due bills"
  • "Should we use our savings to build a second home"
  • "How do I negotiate a major settlement"


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Published 2023-11-08

Does Your Life Need a Radical Shake-Up?

112 min
View

George Kamel & Rachel Cruze answer your questions and discuss:

  • "Should we put our mortgage in the debt snowball?"
  • "How do we stop living paycheck to paycheck?"
  • "Should I take on more debt to go to school?"
  • "How do I make better money decisions?"
  • Leaving the family business,
  • "Should we buy a new car in Baby Step 6?"
  • "I don't want to close my credit cards,"
  • "Should we buy a home while in the military?"
  • "Are store specific debit cards OK to use?"
  • "Should we sell our house?"
  • "Is inflation really that bad?"
  • "How do I budget with inconsistent pay?"


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


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Published 2023-11-07

Choose the Hard Sacrifice That Leads to Freedom

112 min
View

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

  • "My wife is reluctant to attack her student loans,"
  • Debt is hurting my marriage, what should I do?
  • Handling awkward money moments,
  • "What should we do while in Baby Step 3b?"
  • "My husband committed financial infidelity,"
  • "I'm $1.35M in debt..."
  • "How do I get out of $70K of debt?"
  • "Should I buy a house or invest?"
  • "How do debt free screamers increase their income so much?"
  • "Am I spending too much money?"
  • "Should I pay off my student loans in full?"
  • "What should my next steps be after losing my husband?"
  • "I have $83K in debt and feel discouraged"


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Published 2023-11-06

Focused Intensity Over Time Will Move the Needle

112 min
View

George Kamel & Jade Warshaw answer your questions and discuss:

  • "How can we pay off our debt quickly?"
  • "Do I need long-term care insurance?"
  • "How should I be investing?"
  • "What should I do after getting an inheritance?"
  • "Can I afford to remodel my kitchen?"
  • Is debt consolidation a good idea?
  • "Should I pull from retirement to buy land?"
  • "I co-signed with my mom to buy a car..."
  • "Skip a 401(k) match while paying off debt?"
  • "Renew my lease if I may be getting married?"
  • "I just got out of bankruptcy, what do I do?"
  • "Pay for life insurance while paying off debt?"
  • "I'm $314K in debt, what can I do?"
  • "Would getting married help our business?"
  • "Should I renovate a house or pay off my car?"


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Published 2023-11-03

You And Your Spouse Have To Be on the Same Page

112 min
View

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George Kamel & John Delony answer your questions and discuss:

  • "Should we buy a new house"
  • "What do we do with our upside down car"
  • How do I get my spouse on board"
  • Mint shutting down and we have a better option
  • "Should I change careers to help pay off debt"
  • "I'm a financial wreck"
  • "Which loan do I pay off first"
  • "How does manual underwriting work"
  • "Should I use my savings to pay off my student loans"
  • "How do we prepare for twins"


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Published 2023-11-02

You Can’t Win With Money if You Don’t Know Where Your Money Is

112 min
View

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Dave Ramsey & Rachel Cruze answer your questions and discuss:

  • "Fixing my finances after a divorce and a car wreck,"
  • Mint shutting down,
  • "How do we combine finances?"
  • "Pay off my cars or buy a new house?"
  • "Should I sell my stocks to avoid a market crash?"
  • "Would it be better to file for bankruptcy?"
  • "Pause investing to pay off our house?"
  • "Use a HELOC to buy a new car?"
  • "How do we prepare to buy a house?"
  • "My wife wants to quit her job"


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


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Published 2023-11-01

Break Free From Broke!

111 min
View

The Ramsey Show Listener Survey: Click here to be Entered to Win a $500 Gift Card!!!

Dave Ramsey & George Kamel answer your questions and discuss:

  • Get George's new book, Breaking Free From Broke,
  • "How can I best take over my father's finances?"
  • "Should I use the debt snowball or debt avalanche?"
  • "Our car blew up and we can't afford to fix it..."
  • "Should I get another degree?"
  • "Pause the Baby Steps to save for a baby?"
  • "I co-signed on a car with my boyfriend and it's underwater,"
  • "I have $127k in student loans making $23/hr,"
  • "Is it wrong to ask a financial advisor's net worth?"
  • My broke father-in-law keeps buying us gifts"


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


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Published 2023-10-31

What Happens When Parents Misbehave

112 min
View

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Dave Ramsey & Jade Warshaw answer your questions and discuss:

  • "My husband spent $14K on phone games..."
  • "How much should we save before having kids?"
  • How much Americans spend on Halloween,
  • "How much should be in my emergency fund?"
  • Why you should never lease a car,
  • read more: How Does Leasing a Car Work?
  • "My cousin is stealing from her 13-year-old son,"
  • "Get student loans for a higher paying career?"
  • "Should I wait to buy a house?"
  • "How can we keep each other motivated?"
  • "How can we keep each other motivated?"
  • "Save in the S&P500 or in CDs?"
  • "Trade in our car while paying off debt?"
  • "We can't afford our current expenses,"
  • "My dad wants me to help him buy a house,"
  • "How do we handle our finances as newlyweds?"
  • "What's the best way for me to buy my first car?"
  • "How do I get on track with the Baby Steps?"


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Published 2023-10-30

Don’t Use a Math-Based Solution to a Behavior-Based Problem

111 min
View

Dave Ramsey & Ken Coleman answer your questions and discuss:

The Ramsey Show Listener Survey: Click here to be Entered to Win a $500 Gift Card!!!

  • "Should I sell my investments to pay off debt?"
  • "Should I buy a house with 3.5% down?"
  • "How can I best pay off my debt?"
  • "Should I file bankruptcy?"
  • "Should I use savings to payoff my house?"
  • "Am I committing career suicide?"
  • "Pull from my Roth to pay off my HELOC?"
  • "My business equipment is being held hostage,"
  • "Should I keep paying for my medical license?"
  • "Save for a house while paying off debt?"
  • "How can I feel okay about spending money?"
  • "Can I afford a career change?"
  • "Saving for retirement vs. starting a business"


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Published 2023-10-27

Don't Solve A 30-day "Uh-Oh" With A 30-year Commitment

111 min
View

John Delony & Jade Warshaw answer your questions and discuss:

  • How to make progress in your finances after having your first kid,
  • Busting myths about having a 0 credit score,
  • read more: Living Without a Credit Score
  • What to do when you need to go to rehab but you can't afford it,
  • How to know if you should repair your home or move somewhere new,
  • What to do when your parents don't respect your boundaries around your wishes for your wedding,
  • What to do when your family transitions to a single income when your wife has had a successful career,
  • Why you shouldn't be sharing vehicles and homes with people that aren't your spouse,
  • How to address generational expectations and set boundaries while preparing for your own future,
  • Why it's so important to prioritize paying off debt for your financial future,
  • read more: The Truth About Debt
  • Dr. John Delony's new Questions for Humans conversations cards for Thanksgiving and Grandparents & Kids,
  • from the store: Questions for Humans Conversation Cards
  • What to do when you and your spouse don't agree about selling or repairing a vehicle,
  • How to help grandparents that are being taken advantage of financially.


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Published 2023-10-26

It’s Not About What You Did, It’s About What You Do Next

112 min
View

Ken Coleman & Jade Warshaw answer your questions and discuss:

  • "How do I get on the same page as my husband?"
  • "When can I afford to buy a house?"
  • "Should I pause the Baby Steps after losing my job?"
  • "Should I use savings to pay off debt?"
  • "We went $32,000 over our wedding budget..."
  • Trying to find a new career,
  • "Can we upgrade to a better apartment?"
  • Deep dive on Baby Steps 1-3,
  • "Should I go into debt for an internship?"
  • "Pull from stocks to pay off my car?"


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


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Published 2023-10-25

Think About the Future When You Make Decisions Today

112 min
View

George Kamel & Rachel Cruze answer your questions and discuss:

  • Take out 401(k) loan to pay off my car?
  • George and Rachel react to Ramsey's most-hated financial advice,
  • "Should I use a VA loan?"
  • "Sell our only car to get out of debt?"
  • "How can I pay for college without student loans?"
  • "Should we wait to buy property?"
  • Getting back on track with the Baby Steps
  • "We owe the IRS $150,000, what can we do?"
  • "How should we manage our investments?"
  • Buying a car while on Baby Step 2,
  • "My wife wants to buy a $1500 baby stroller!"
  • "Pay off our house or save for kid's college?"
  • "How long should I pause retirement?"
  • "My husband left us."


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Published 2023-10-24

Rich People “Ask How Much?” Poor People Ask “How Much a Month?”

111 min
View

Dave Ramsey & Jade Warshaw answer your questions and discuss:

  • How to deal with bills in collections,
  • "Should we buy or rent when we get married?"
  • "Is it dumb to take out a business loan?"
  • "How can we get out of a financial rut?"
  • "How do cashback debit cards work?"
  • "Should I rent or buy after moving?"
  • "How can I get out of $50,000 of debt?"
  • "Should I keep my whole life insurance policies?"
  • Rapid fire questions around Baby Steps 4, 5, and 6,
  • Buying furniture vs paying down the mortgage.


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Published 2023-10-23

Hard Work Is the Key to Success

111 min
View

Dave Ramsey & Ken Coleman answer your questions and discuss:

  • "Should I take out student loans for a coding boot camp?"
  • Michael Easter on Scarcity Mindset,
  • "Should I borrow from family to pay off my credit cards?"
  • "Where should I be investing?"
  • "I recently lost my job, what can I do?"
  • "Should I pay extra on the house or invest more?"
  • "Stay at my current job or go back to school?"
  • "How can I transition to a new career?"
  • "Should I buy a house or invest?"
  • "I have 4 rentals and live paycheck-to-paycheck..."
  • "My boss is preventing me from moving up,"
  • "How can we start giving while paying off debt?"


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Published 2023-10-20

You Can’t Live Your Dreams if You Don’t Prepare for Them

112 min
View

Jade Warshaw & George Kamel answer your questions and discuss:

  • "Should we save to buy a house?"
  • "How can I afford my minimum payments?"
  • "I'm being asked to sell credit cards at my job,"
  • "Should we stop contributing to our 401(k)?"
  • "Use a mutual fund for a house down payment?"
  • "When will my credit score go away?"
  • "My mom opened a credit card in my name,"
  • Discussion about the "Girl Math" trend,
  • "Should we move into a bigger house?"
  • "My daughter isn't paying her credit card off?"
  • "Taking over a mortgage with my siblings,"
  • "Trade in our newer car for an older one?"
  • "I drained our savings without my wife knowing,"
  • "Our home buyer came up short on their payment,"
  • "How can I move out of my parents' house?"


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Published 2023-10-19

Don’t Let Financial Drama Throw You off Track!

111 min
View

Dave Ramsey & Jade Warshaw answer your questions and discuss:

  • "How do we prepare to buy a house?"
  • "How can I get my husband to buckle down?"
  • "I own property with my daughters and it's a mess..."
  • "Should I invest or go back to school?"
  • "My son asked me to bail him out of $200K tax debt. Should we?"
  • "What should I do with my whole life insurance?"
  • "Should I sell my car to get out of debt?"
  • "My husband has a spending problem"
  • The #1 reason for divorce,
  • "Should we wait to buy a house?"
  • "Can I afford to buy a car just for fun?"
  • "Managing my mom's estate,"
  • "Sell my house to buy an investment property?"
  • "Will starting a family slow down our progress?"


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Published 2023-10-18

Anyone Can Become a Millionaire (Even You)

112 min
View

Dave Ramsey & Ken Coleman answer your questions and discuss:

  • We hear about how millionaires built wealth in a Baby Steps Millionaire Theme Hour,
  • "How can I make my side gig my full-time job?"
  • "Should we use savings to buy a house or pay off our car?"
  • "What should my next step be while in college?"
  • "How do I tell my current boss I'm leaving?"
  • "Pull from mutual funds to pay off my house?"
  • "What's the best way to save money for my kids?"
  • "Should I apply for jobs I'm only halfway qualified for?"
  • "My wife wants to do drop shipping on Amazon,"
  • "Go back to school for cyber security?"
  • "How do we tackle our debt as a young couple?"


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Published 2023-10-17

When the World Goes Crazy, Control the Controllables

112 min
View

Dave Ramsey & Jade Warshaw answer your questions and discuss:

  • "How can I pay for my vacation property?"
  • "I am drowning in credit card debt,"
  • How to handle debt collectors,
  • read more: How to Deal With Debt Collectors When You Can’t Pay,
  • "Should I buy hunting land?"
  • "My expenses are higher than my income,"
  • "Can I buy a $1.5M house?"
  • "How do we handle our finances in light of world events?"
  • "When do I pay off my fiance's student debt?"
  • "Should we elevate our lifestyle after an income increase?"
  • "Do I need a credit score?"
  • read more: The Best Way to Improve Your Credit Score,
  • "How do I fund my business and personal expenses?"
  • "How do we get financially prepared for a baby?"
  • "Why should I give up my work match while paying debt?"
  • "How do we save for non-recurring purchases?"
  • "Do credit cards protect from fraud better than debit cards?"
  • "Should we wait to get married to save for a house?"


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Published 2023-10-16

Don’t Believe the Lies – YOU Are the Hero of Your Story!

111 min
View

Dave Ramsey & George Kamel answer your questions and discuss:

  • "I have a baby on the way with no money,"
  • Prioritizing expenses when you're broke,
  • "Should I finance boat and live in it?"
  • "Should I change careers in Baby Step 2?"
  • "How can we cash flow a new build?"
  • "How do we have a wedding in Baby Step 2?"
  • "Cash out my retirement to pay off debt?"
  • "Invest for retirement or pay off the house?"
  • "Should I invest as a stay-at-home mom?"
  • "Should I make my kids pay off their own student loans?"
  • "How do you plan for retirement at a young age?"
  • "Should I buy my ex-wife out of the house?"
  • "Should we sell our home to pay off debt?"
  • "Should we take over a local business?"
  • "Confronting a controlling mother-in-law,"
  • "Relocate our family for better school options?"


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Published 2023-10-13

Short Term Convenience Has A Long Term Cost

113 min
View

Ken Coleman & George Kamel answer your questions and discuss:


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Published 2023-10-12

Nothing Will Change Till You're Ready To Change

112 min
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Dave Ramsey, George Kamel, and Ken Coleman answer your questions and discuss:


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Published 2023-10-11

Stop Losing Battles And Win The War With Your Budget

112 min
View

Dave Ramsey & George Kamel answer your questions and discuss:


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Published 2023-10-10

THIS Is The Best Way To Avoid Bankruptcy

111 min
View

Dave Ramsey & Jade Warshaw answer your questions and discuss:

  • The right way to set up your budget to take care of your family when you're barely getting by,
  • read more: 4 Things You Must Include in Your Budget
  • Where "sinking funds" fall in the Baby Steps,
  • read more: What Is a Sinking Fund and How Do You Create One?
  • How to avoid bankruptcy when you're being sued for debts that are in collections,
  • How to decide if you should go back to school to increase your income,
  • The best places to hold your money for your sinking funds,
  • How to know if you're making financial decisions based on wisdom or ungratefulness,
  • What to be financially prepared for when moving to the mission field,
  • Why you shouldn't use your Emergency Fund to pay off your house,
  • "Why are mutual funds highly recommended?",
  • read more: What Are Mutual Funds? And How Do They Work?
  • Why you should never voluntarily repossess a vehicle to the bank,
  • read more: How Does Car Repossession Work?
  • Where to start focusing your investing as a debt free college graduate,
  • Why getting a car loan to build a credit score is a horrible idea,
  • read more: Living Without a Credit Score
  • Why a 2 hour commute is not worth a cheaper house or beneficial to your marriage,
  • How one couple became became Baby Steps Millionaires in their 30's,
  • How much you should have in your Emergency Fund as contract employees,
  • read more: A Guide to Your Emergency Fund
  • Why you shouldn't wait for any kind of student loan forgiveness to pay off your student loans,
  • read more: RamseySolutions.com/StudentLoans


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Published 2023-10-09

One Year Of Sacrifice Changes Everything

110 min
View

Dave Ramsey & Jade Warshaw answer your questions and discuss:

  • When you should look for a new financial planner, 
  • from the website: Find a SmartVestor Pro today
  • Why "rice & beans" is a metaphor and why you shouldn't be stingy with your generosity,
  • read more: Dave Rant! You're Not on the Dave Ramsey Plan If...
  • What to look for if you're trying to figure out if you should sell your house and get a cheaper mortgage,
  • A powerful Debt Free Scream from a single mother that never quit even when things seemed impossible,
  • Where to put student loans in your Debt Snowball while still in school,
  • from the website: RamseySolutions.com/StudentLoans
  • How to plan for long term medical expenses when facing dementia,
  • "Can I get my nails done while in Baby Step 2?",
  • What to do with additional income when your retirement is maxed out,
  • When to determine if you should sell real estate to pay off student loans,
  • Newlyweds that do a Debt Free Scream that sacrificed their wedding day to avoid debt,
  • Have you worked the Baby Steps and become debt free? Fill out your Debt Free Scream Application today!
  • How to know if you should sell an investment property when expecting a baby,
  • What to do when you receive a settlement from a car accident and have IRS debt.


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Published 2023-10-06

Get Control of Your Money!

112 min
View

Ken Coleman & George Kamel answer your questions and discuss:

  • "Should we sell our house to pay off debt?"
  • Consumer spending during this football season,
  • "Should I cash out my investments to pay off debt?"
  • "Can debt in collections cause me to lose a job?"
  • "How much should I spend on a car?"
  • "Should I refinance my house?"
  • "Will leaving my job sour my relationship?"
  • "Should I relocate to work with family?"
  • "How do I tithe if I can't pay my bills?"
  • "How do I know when it's time to move on?"
  • "I'm exhausted from my job,"
  • "Should we buy a house from my in-laws?"
  • "A work friend co-signed for my house..."


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Published 2023-10-05

If You Want To Win You Have To Go Against the Grain!

102 min
View

Rachel Cruze & Jade Warshaw answer your questions and discuss:

  • "How do we talk to our kids about money?"
  • "Pay off debt while saving for retirement?"
  • "Pause retirement while saving for baby?"
  • "Should I sell my house to pay of debt?"
  • "My boyfriend got out of jail and has $30K in collections,"
  • Why you need to be careful with food delivery services,
  • "Should we move in with my parents?"
  • "How do I get started with a Roth IRA?"
  • "How do I sell my car if I'm upside down on it?"
  • "My husband lost his job after we bought a house,"
  • "Should I pause my student loan payments?"
  • "Should I consolidate my debts?"
  • "We keep fighting about our finances"


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Published 2023-10-04

Quit Chasing the Latest Financial Trends!

112 min
View

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

  • Why cars are the stupidest things we buy (and how to get out of a lease early),
  • read more: How Does Leasing a Car Work?
  • "How do we manage rent and a mortgage?"
  • "How do I deal with a potential government shutdown the next time around?"
  • "What should I do with a bonus from work?"
  • "We disagree on paying off our debt."
  • "Why George was right about NFTs being a poor investment,"
  • "Pull from mutual funds to pay off our house?"
  • "Do I need a realtor to build a home?"
  • "Should my fiancée stay home with our kids?"
  • "How do I budget my new income?"
  • "The car salesman lied about the final cost of my car,"
  • "Should we buy an apartment for my daughter?"
  • "Should I sell or repair my car?"


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Published 2023-10-03

Don’t Bury Your Head in the Sand – Pay Off Your Debt!

112 min
View

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

  • check out John's new book! Building a Non-Anxious Life,
  • "Should we sell our house?"
  • "I didn't tell my husband how much debt I have,"
  • "How quickly should I pay off my car?"
  • "Should I go into debt to prioritize my health?"
  • What happens if you don't pay your student loans,
  • Buying a home without a credit score, 
  • "Our son won't move out, what can we do?"
  • "Paying for big purchases without credit cards,"
  • "Should we sell our house when we move?"
  • "How can I stop living paycheck to paycheck?"


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Published 2023-10-02

Find Freedom from Student Loans And Anxiety

111 min
View

Dave Ramsey, John Delony, and George Kamel answer your questions and discuss:


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Published 2023-09-29

You Can’t Blame Your Way to a Better Life

112 min
View

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

  • If you should take your pension in a lump sum or payments.
  • We had a $2k bill that was about to go in to collections!"
  • When in the baby steps you catch up on late bills.
  • The pitfalls of using a credit card to pay your bills.
  • "I'm actually in a big mess!"
  • The dream of student loan forgiveness has died.
  • Is now the time to buy a house?
  • "You can't solve a problem while simultaneously creating one."
  • Selling stocks to pay off debt.
  • Should my daughter go off to college with an eating disorder?
  • Using Bitcoin to fund a 529.
  • How to stop living paycheck to paycheck


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Published 2023-09-28

The Best Calls of the Year So Far (Part 3)

112 min
View

In this special curated episode of some of our favorite calls of the year, Dave Ramsey & his co-hosts answer your questions and discuss:

  • "Should we allow finances to stop our marriage plans?"
  • "My father-in-law deeded a house to my 7-year-old,"
  • "Should I cancel the extended warranty on my car to pay debt?"
  • "Sell my house to pay off debt?"
  • "My husband is inheriting ex-wife's house,"
  • Habits of successful millionaires,
  • Why some immigrants think debt is the only way to thrive in America,
  • "I've hidden my trust fund from my wife..."
  • "Can I use a credit card as my emergency fund?"
  • "What should we do with a million dollars?"
  • "My husband spent $2,000 without telling me,"
  • "Pay mortgage off with life insurance money?"
  • "How do I become a millionaire?"
  • "Someone offered to buy my land with gold."


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Published 2023-09-27

Slow & Steady Wins the Race

111 min
View

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

  • "Should my husband and I 'divorce' our finances?"
  • "I won $22m in the lottery and haven't told all of my family... should I?"
  • "Should we sell our house to pay off debt?"
  • "My husband pays his parents' bills,"
  • "How should we tackle our mortgage?"
  • "Should I sell my new truck?"
  • "My father doesn't leave enough to pay his bills,"
  • A Baby Steps Millionaire Theme Hour!


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Published 2023-09-26

Don’t Let Your Dream Become a Nightmare

111 min
View

Dave Ramsey & Ken Coleman answer your questions and discuss:

  • "When do I get life insurance as a single mom?"
  • "Should I accept money from dad to buy a house?"
  • :"How can I start working through my debt?"
  • "What do I do after losing my business to a fire?"
  • "Go back to my old job if they pay me more?"
  • "What should I do with my savings as a single mom?"
  • "Should I use a 'Buy Your House Now' company?"
  • Willie Robertson on the new film The Blind,
  • "Should I build my credit to rent?"
  • How can I pay off debt at my age?"


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Published 2023-09-25

Are You Making Stupid Money Moves in the Name of Desperation?

111 min
View

Dave Ramsey & George Kamel answer your questions and discuss:

  • Why you shouldn't listen to idiots about paying off your house,
  • "Should we save for a wedding or start investing?"
  • "Should I sell my investment property?"
  • "Does it make sense to refinance my student loans?"
  • "Should I transfer my credit card debt?"
  • "We've been looking for a house for 9 years,"
  • "Paying off student loans with low income,"
  • "Should I close the family business?"
  • "What should I do with money in the bank?"
  • :How much should I save in a 529?"


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Published 2023-09-22

Financial Freedom Requires Sacrifice but It’s Always Worth It!

111 min
View

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

  • "How should we pay for a second car?"
  • "Should I pay off debt or buy a house?"
  • Why the national debt shouldn't matter much to you,
  • "How much emergency fund do I need?"
  • "Should I keep money separate if I get married?"
  • Why you shouldn't have to minimize your success with your friends,
  • "Should I drop out of college?"
  • "How do you celebrate while paying off debt?"
  • "Should we work the baby steps or file for bankruptcy?"
  • "Should we pause our HSA contributions?"
  • "I want to move but my husband doesn't,"
  • "Should I sell my house and move for a job?"
  • "Should I sell my car?"
  • "Work the Baby Steps or file for bankruptcy?"
  • "How do we start paying off our debt?"
  • "Was it right for me to cancel my credit cards?"
  • "Should I sell my car?"

 

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Published 2023-09-21

The Best Debt Resolution Program Is YOU!

113 min
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Ken Coleman & Jade Warshaw answer your questions and discuss:

  • "Am I responsible for my kid's college tuition?"
  • "How can I earn money while in college?"
  • "How should I find a new job?"
  • "Pause investing while saving for a house?"
  • "Should we use savings to pay our student loans?"
  • "Borrow from our 401(k) to pay off our HELOC?"
  • Saving money on grocery budgets,
  • read more: How to Save Money on Groceries,
  • "How do I pay off my tower of debt?"
  • "Should I buy a house or rent after I retire?"
  • "How can I start paying off my debt?"
  • read more: 15 Best Work From Home Jobs,
  • "What should I do after losing my job?"
  • "Should I use a debt resolution program?"
  • "Should I change jobs for better pay?"


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Published 2023-09-20

Don’t Rely on Someone Else To Fix Your Life!

112 min
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George Kamel & Ken Coleman answer your questions and discuss:


  • "My husband wants to sell our home and retire early,"
  • "Should I invest my daughter's money?" 
  • "My commute is 8 hours round trip,"
  • "How can I help protect my mom's retirement?"
  • "How much should I save for kid's college?"
  • "Our employer 403(b) has a poor rate of return,"
  • "Should I use a reverse mortgage to buy a rental?"
  • "Should I pay off my student loans?"
  • "Is it OK to leave my full-time job?"
  • George's episode about how much salary people need to feel secure
  • George's new video: What It Takes to Be Financially Secure In America,
  • "How do I start getting out of debt?"
  • "Should I finance a car to get the incentives?"


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Published 2023-09-19

THIS Is the Most Effective Way To Pay Off Debt

113 min
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Jade Warshaw & Ken Coleman answer your questions and discuss:

  • "I'm new to the Baby Steps; how do I pay off debt?"
  • "How much 'fun money' should we budget?"
  • "Should I turn in the car I'm upside down on?"
  • Why Ken prefers luxury sheets over luxury shoes,
  • "How can I keep an inherited farm?"
  • The best side hustle ideas,
  • read more: 27 Side Hustle Ideas to Earn Extra Cash,
  • "How much should we spend on a car?"
  • "Liquidate stocks to pay off debt?"
  • "Should I be saving while expecting a baby?"
  • "Pull from our investments to pay off house?"
  • "What do I do after maxing out 401(k) investing?"
  • "Should I take out a loan to travel abroad in college?"


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Published 2023-09-18

Very Few People Become Wealthy Using Borrowed Money

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

  •  "I'm falling behind financially,"
  • "Should I take our a HELOC for home repairs?"
  • "Does it make sense for me to pay for my daughter's college education?"
  • "Can someone ever stop tithing in a difficult situation?"
  • "How can I stop enabling my irresponsible mother?"
  • "Will I be able to retire?"
  • read more: The Truth About Retirement,
  • "Should I buy a house with cash?"
  • "Pull from my mutual funds to pay off debt?"
  • "I have $220K in student loans, what can I do?"
  • The persistent illusion of gold, 
  • read more: Why Investing in Precious Metals Is a Bad Idea,
  • "What should I do with an inheritance?"


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Published 2023-09-15

Bonus Episode: Student Loan Debt in America (How We Got Here & How We Get Out)

63 min
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After a three-year hiatus, student loan payments are coming back. But that doesn't mean you have to freak out! Join Dave Ramsey, Jade Warshaw, and Rachel Cruze for a clear plan on how to cover those payments and ditch your student loan debt for good.

 

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Published 2023-09-15

The Best Calls of the Year So Far (Part 2)

111 min
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All The Ramsey Show co-hosts are out on the road for Smart Conference so today we're back with another compilation of our favorite moments from the year so far. We hope you enjoy it and we'll be back with a live show on Monday's episode.


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Published 2023-09-14

Are You More Concerned With Your FICO Score or Your Net Worth?

112 min
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Dave Ramsey & Jade Warshaw answer your questions and discuss:

  • "I'm in a lawsuit with cofounders of my company,"
  • Getting out of upside down cars (and motorcycles),
  • "Am I saving too much or should I enjoy my life more?"
  • read more: Why You Need Some Fun Money in Your Budget,
  • Things to do to create margin in your budget,
  • "What should my net worth ratio be?"
  • "Are we able retire now?"
  • "Preparing for high interest rates on a home,"
  • Covering an emergency while in debt,
  • "Should I sell my house to pay of business debt?"
  • "Should I use my gold & silver to pay off debt?"
  • "When would you recommend bankruptcy?"
  • "How do we set goals after paying off debt?"


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Published 2023-09-13

Contentment Is the Key to Winning With Money

111 min
View

Dave Ramsey & Rachel Cruze answer your questions and discuss:

  • "Should we buy a bigger home?"
  • "I have $300k in student loans and can't work,"
  • "How much of our money should we save?"
  • "Should I use savings to pay off my student loans?"
  • "What should I do after inheriting a house?"
  • "Do I need Title Theft insurance?"
  • "How do I fix my relationship with money?"
  • "How should I invest after selling my house?"
  • "I took a job but they lied about compensation..."
  • "My siblings don't want to honor my mom's trust,"
  • The stupidity of day trading,
  • read more: What Is Day Trading and How Does It Work?,
  • Our mother-in-law wants us to get a HELOC.


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