The Ramsey Show

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

•  "Can I afford to move while on Baby Step 1?"
• from the blog: Relocating Tips: How to Make a Smooth Transition,
• "I feel like I never have enough money..."
• Starting over after a divorce,
• Selling business equipment to pay off debt.

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

•  "Should we buy a bigger home if we use it as a rental?"
• "How can we afford to go back to school?"
• from the blog: How to Pay for College Without Student Loans,
• "Should I go to law school?"
• Advice for dating while paying off debt,
• "How do I convince my parents to take FPU?"
• "I'm working for my father-in-law and my pay has been inconsistent..."

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Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!

www.everydollar.com/TRS

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6

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

•  "How can I help my friends with money?"
• How student loan repayment plans will affect retailers and people's budgets,
• from the blog: Supreme Court Strikes Down Biden’s Student Loan Forgiveness Plan,
• "Will we ever be able to afford a house?"
• from the blog: How Much House Can I Afford?
• "I feel hopeless about following the Baby Steps"

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Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6

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

•  "How can I get my husband on board?" 
• Why emergencies become inconveniences when you have financial peace,
• "Can I afford to move to a cheaper area?"
• from the blog: Relocating Tips: How to Make a Smooth Transition,
• "Should I pay off my student loans right now?"
• "How should we prepare for digital currency?"

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

•  "We're deeply in debt and being sued,"
• "Should I sell my house to pay off debt?"
• from the blog: Should You Sell Your Home to Knock Out Debt?
• Paying off debts vs. earning interest on investments,
• from the blog: When You Should Stop Investing

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Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!

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While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show tomorrow. Let us know what you think in the comments.

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

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!

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While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show tomorrow. Let us know what you think in the comments.

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While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show tomorrow. Let us know what you think in the comments.

Support Our Sponsor:

• Neighborly

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Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!

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While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show soon. Let us know what you think in the comments.

Support Our Sponsor:

• DreamCloud
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Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!

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While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show soon. Let us know what you think in the comments.

Support Our Sponsor:

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

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!

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While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show soon. Let us know what you think in the comments.

Support Our Sponsor:

• Neighborly

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

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!

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George Kamel & Ken Coleman answer your questions and discuss:

•  What to do now that the Supreme Court has shut down Student Loan Forgiveness,
• Looking to learn more?  Check out the Guide to Getting Rid of Your Student Loans
• "Should I sell my Tesla stock to pay off my mortgage?" 
• from the blog: Should I Use My Investments to Pay Off Debt?
• When to know if you should leave a job that's overworking you,
• from the website: Should I Quit My Job Quiz
• The best way to account for your "4 walls" in your budget,
• from the blog: 4 Things You Must Include in Your Budget
• "Should I move and change jobs because where I live has a high cost of living?"
• from the blog: Where Should I Move?

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

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!

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George Kamel & Ken Coleman answer your questions and discuss:

•  The best place to keep money saved when facing large medical expenses,
• "Should we move in with family to save money?", 
• When it's beneficial to downsize your home to meet other financial goals, 
• from the blog: Downsizing Your Home: 3 Money Benefits
• The power of compound interest, 
• from the blog: How Does Compound Interest Work?
• Why you shouldn't use high-yield savings to out earn the interest you're paying on debt,
• "Should I offer 50% to the credit card to settle past due debt?",
• from the blog: How to Deal With Debt Collectors When You Can't Pay

Support Our Sponsor:

• PODS Moving & Storage
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Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!

www.everydollar.com/george

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6

Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

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George Kamel & Ken Coleman answer your questions and discuss:

•  "Should I pay off my debt with variable interest before my other debts?"
• Why a new car with the extended warranty doesn't provide you more security than a used vehicle,
• from the blog: Are Extended Warranties Worth It?
• The potential collapse of Airbnb and how that effects those invested in short term rentals,
• from the blog: How to Invest in Real Estate
• What to do when taking care of your house is taking up too much of your time and money,
• from the blog: How to Budget for a House
• "What should I do when my husband and I don't agree on buying a car from a dealership or private party?",
• from the blog: 10 Car Buying Tips

Support Our Sponsor:

• Neighborly

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

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!

www.everydollar.com/george

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6

Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

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Rachel Cruze & Ken Coleman answer your questions and discuss:

•  What to do when you can't afford the minimum payments on your student loans,
• from the blog: How to Pay Off Student Loans Quickly: 10 Easy Steps for Success
• "How can I get my husband more excited about giving?",
• from the blog: The Importance of Giving Back
• Millennials taking on $1,000 side hustles to make ends meet,
• How to start saving for college,
• from the blog: 10 Best Ways to Save for College
• If it's worth it to take a pay cut to pursue a new career.

Support Our Sponsor:

• NetSuite
• DreamCloud
• PODS Moving & Storage
• Neighborly

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

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!

www.everydollar.com/TRS

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6

Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

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Rachel Cruze & Ken Coleman answer your questions and discuss:

• What to do when your spouse isn't on the same page and continues to financially sabotage themselves,
• from the blog: How to Survive Divorce: Protect Yourself and Your Finances
• When you don't owe anyone anything you have autonomy and options,
• from the blog: 10 Characteristics of Debt-Free Living
• "Should I invest in a company 401(k) as an intern?",
• How to pay off debt with an inconsistent income, 
• from the blog: How to Budget With an Irregular Income
• Mastercard is joining Ramsey Solutions and finally trying to get users to cut up credit cards - but for a different reason,
• How to choose a side hustle in while in Baby Step 2. 
• from the blog: 27 Side Hustle Ideas to Earn Extra Cash

Support Our Sponsor:

• Zander Insurance
• BetterHelp
• Neighborly

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

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!

www.everydollar.com/TRS

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6

Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

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Rachel Cruze & Ken Coleman answer your questions and discuss:

•  "I'm 27 and don't know if I should move out of my dads house", 
• from the blog: 4 Mistakes to Avoid When Renting
• When to know you can quit working for a toxic boss,
• What to do when you keep getting hit with financial issues as a single mom,
• from the blog: Budgeting Tips for Single Moms
• "Am I moving up in my career too quickly?"
• from the blog: How to Get a Promotion at Work

Support Our Sponsor:

• Neighborly

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

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!

www.everydollar.com/TRS

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6

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Ken Coleman & George Kamel answer your questions and discuss:

•  How to budget on an irregular income,
• from the blog: How to Budget With an Irregular Income
• The best accounts to use when saving for college tuition and home purchases, 
• from the blog: How to Start a College Fund
• How "Buy Now, Pay Later" is exploding and users are struggling,
• from the blog: Buy Now, Pay Later? Why Installment Payment Plans Are Hurting Your Wallet
• How to know if you can afford to purchase a vacation home,
• from the blog: How Can I Afford a Vacation Home?

Support Our Sponsor:

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Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!

www.everydollar.com/george

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6

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Ken Coleman & George Kamel answer your questions and discuss:

•  The importance of combining finances with your spouse when you get married,
• from the blog: And Two Become One: How to Combine Bank Accounts
• Why the FIRE movement can lead to concerns about having enough money,
• from the blog: Can I Retire Early?
• What to do when your values don't match your career,
• How to decide if you should take a severance and find a new job or risk staying and being laid off,
• from the blog: What to Do if You're Laid Off?
• "How can I be more generous outside of tithing?",
• from the blog: The Generosity Effect

Support Our Sponsor:

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

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!

www.everydollar.com/george

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6

Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

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Ramsey Solutions Privacy Policy

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Ken Coleman & George Kamel answer your questions and discuss:

•  How to be financially prepared for unpaid paternity leave,
• from the blog: How Much Does It Cost to Have a Baby?
• How credit card rewards may be affected by new legislation,
• from the blog: Are Credit Card Points Worth It?
• "Should I use my HSA to pay off my truck?",
• from the blog: What Qualifies for HSA Medical Expenses?
• "Why is it so back to use credit cards if you can use them responsibly?",
• from the blog: Do I Need a Credit Card?
• from The Fine Print Podcast: The True Cost of Credit Card Rewards 
• The best way to balance paying off student loans when you need a vehicle,
• Why you shouldn't take out student loans for a career just because of the salary,
• from the blog: Is College Worth It?

Support Our Sponsor:

• Neighborly

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

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!

www.everydollar.com/george

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6

Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

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Rachel Cruze & John Delony answer your questions and discuss:

• "Should I pause the Baby Steps while I go through a career change?", 
• How to cash flow the purchase of a vehicle while in Baby Step 1,
• The best way to pay for graduate school without going into debt,
• from the blog: How to Pay for College Without Student Loans
• How you should invest the profits from the sale of flipping houses,
• Some lifestyle changes you should be aware of when paying off all your debt,
• from the blog: Living Without a Credit Score

Support Our Sponsor:

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

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!

www.everydollar.com/TRS

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6

Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

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Ramsey Solutions Privacy Policy

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Rachel Cruze & John Delony answer your questions and discuss:

•  "I'm tired of not being the provider for my family and don't know how to change that",
• from the blog: Money and Marriage: 7 Tips for a Healthy Relationship
• If you should start saving for your kids college before their born, 
• from the blog: How to Invest for Your Children's Future
• "I'm upside down on my car loan with 28% interest - what should I do?", 
• from the blog: How to Get Out of an Upside-Down Car Loan
• What you should take into consideration when calculating how much house you can buy,
• from the blog: How Much House Can I Afford?
• When you should sell your vehicle to pay off all my debt, 
• How much Americans spend on fireworks every year for the July 4th,
• "Should I give my ex-wife more than she's entitled to after our divorce?" 

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Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!

www.everydollar.com/TRS

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6

Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

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Rachel Cruze & John Delony answer your questions and discuss:

•  What to do when you can't agree with your spouse on how much you can spend on a house,
• from the blog: What to Do When Spouses Don't Agree on Money
• "Should I focus on paying off my mortgage or investing for retirement?", 
• An inspiring story of how much peace and stability comes with finally being completely debt free, 
• Want to do your Debt Free Scream LIVE on the air? Fill out your Debt Free Scream Application today, 
• What to do when you have family members that won't listen to your money advice.

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Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!

www.everydollar.com/TRS

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6

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George Kamel & John Delony answer your questions and discuss:

•  "How do I budget on an irregular income?", 
• from the blog: How to Budget With an Irregular Income
• What to expect with student loans payments starting back in October, 
• from the website: Borrowed Future: How Student Loans Are Killing The American Dream
• "I have $60k in debt and don't know how to tackle this as a single mom", 
• from the blog: Budgeting Tips for Single Moms
• How to feel less emotionally drained when starting on the Baby Steps, 
• What to do when you've prepared for big life change and still feel anxious.

Support Our Sponsor:

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

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!

www.everydollar.com/george

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6

Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

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George Kamel & John Delony answer your questions and discuss:

•  "How do I get my finances back in order after a gambling addiction?", 
• What to do when you feel guilty about living far away from family,
• Why Apple's new high-yield savings account isn't as good as it seems,
• "Should I use my HSA as an investment account?", 
• from the blog: How to Make the Most of Your HSA Investment
• How to prepare for marriage when one person has debt and the other does not, 
• from the blog: 4 Steps to Make the Best of Marriage and Debt

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

Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!

www.everydollar.com/george

Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6

Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

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George Kamel & John Delony answer your questions and discuss:

•  How to work the Baby Steps while going through a divorce, 
• from the blog: Divorce Checklist: How to Prepare for Divorce
• What to do when when you owe money to family and the federal government for your student loans, 
• "Should I use my 401(k) as a down payment for my house?", 
• from the blog: The High Price of a 401(k) Withdrawal
• What you should take into consideration when deciding to work less to be home with your kids.

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Ken Coleman & Rachel Cruze answer your questions and discuss:

•  "Should I sell stocks to pay off my car?"
• from the blog: Should I Use My Investments to Pay Off Debt?
• How the Fed raising interest rates affects you and your money,
• Saving for a house while paying off debt,
• "I feel stuck in my career",

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Ken Coleman & Rachel Cruze answer your questions and discuss:

•  "Should we sell our house to pay off debt?"
• "We have over $100,000 in car loans..."
• from the blog: How to Get Out of a Car Loan,
• "Pay off my rental first or my home?"
• "How can I be more competitive in the job market?"

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Ken Coleman & Rachel Cruze answer your questions and discuss:

•  "Should we sell our rental properties?"
• "My business isn't making as much as I thought",
• "Should we pull from retirement to pay for our daughter's school?"

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Dave Ramsey & George Kamel answer your questions and discuss:

•  "How do I best refinance my student loans?"
• Alex Hormozi on building wealth, investing in what you know, and investing in your own education,
• "Can I afford to move out of my parents' house?"
• "Stay at home with the kids or find a new job?"

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Dave Ramsey & Jade Warshaw answer your questions and discuss:

•  "Should we downsize our home to become debt free?"
• "How can I get my finances back on track?"
• "Should we pause retirement to make ends meet?"
• My mom got married to someone we don't know and didn't sign a prenup"

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Dave & Jade interview millionaires to find out how they built their wealth.

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George Kamel & Ken Coleman answer your questions and discuss:

•  How to work as a team with your spouse around money,
• "Should I sell the house to pay off debt?"
• "How can I get rid of my debt for good?"

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George Kamel & Ken Coleman answer your questions and discuss:

•  Has tipping become “entitlement tax”?
• Deciding whether or not to stay at a job,
• "Should I sell my car to pay off debt more quickly?"
• "Which mortgage should we pay off first?"
• "I regret my career choice but don't know where to go."

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George Kamel & Ken Coleman answer your questions and discuss:

•  "What should we do with. my husband's car?"
• "When should I apply for my dream college?"
• Staying motivated in Baby Steps 4, 5 & 6,
• "What should I do after selling my house?"
• "I'm paralyzed about starting the Baby Steps"

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Ken Coleman & Jade Warshaw answer your questions and discuss:

•  "How do I zero in on the job I should find?"
• "Should I pay off my debt or save up for a down payment?"
• Finding the perfect side hustle
• from the blog: 27 Side Hustle Ideas to Earn Extra Cash,
• "Should we keep our duplex or sell it?"

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Ken Coleman & Jade Warshaw answer your questions and discuss:

•  How do I get started investing?
• from the blog: How Does Compound Interest Work?
• Pursuing your passion while still providing for your family,
• "Is it unethical to use my G.I. bill to go to school?"
• Investing vs. paying off the home,
• "How can I get my parents to make better decisions?"
• The best type of account to use for saving money.
• from the blog: What Is a High-Yield Savings Account and Do I Need One?

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Ken Coleman & Jade Warshaw answer your questions and discuss:

•  "Is there such a thing as good debt?"
• Romance scams are on the rise,
• The value of taking your time and stacking cash,
• "We're $400k in debt as newlyweds; should we sell our house?"
• "How do I get an apartment with no credit score?"
• from the blog: Living Without a Credit Score,

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Dave Ramsey & Jade Warshaw answer your questions and discuss:

•  How paying extra on your house is like a forced savings plan,
• "Am I making enough money?"
• The best way to pay off student loans.

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Dave Ramsey & Jade Warshaw answer your questions and discuss:

•  "Should we buy land right now?"
• "What's the difference between a bear and bull market?"
• "I took out a HELOC to flip a house and now I can't sell it",
• Dave walks through his first experience flipping houses.

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Dave Ramsey & Jade Warshaw answer your questions and discuss:

• Why you shouldn't continue to invest while paying off debt,
• "How do we split this inheritance?"
• "Should I change careers to earn more money?"

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

•  "My mother-in-law wants us to pay her back for student loans she was already refunded for",
• The real reason many couples don't share a bank account,
• "I don't want to go back into debt for a house",
• "How much should I be saving for retirement?"
• from the blog: How to Save for Retirement

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

•  "We want to move in together but have debt", 
• "Should we pay off the house if we might move?"
• "Where does school fall into the Baby Steps?"
• "How can I buy a house on my income?"
• "Should we fully fund our retirement?"
• Paying off debt in collections,
• from the blog: How to Deal With Debt Collectors When You Can’t Pay

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

•  "I feel like I'm not actually living financially well"
• "Should I use mutual funds to pay off my house?"
• "How can we take a nice vacation on a budget?"
• "Should I move into a van to save money?"
• "Sell my car to pay off debt?"
• "Paying off debt with medical issues"

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Dave Ramsey & George Kamel answer your questions and discuss:

•  "Will paying off student loans hurt my credit?"
• Why Roth investments beat traditional,
• from the blog: What Is a Roth IRA?
• "Should I move out on my own to be closer to work?"

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Dave Ramsey & George Kamel answer your questions and discuss:

•  "Should I pay off my home before my student loans?"
• Habits of successful millionaires,
• How debt is pushed on immigrants when they come to the US,
• "Should I pay off my debt before buying a rental?"

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Dave Ramsey & George Kamel answer your questions and discuss:

•  "Should I sell generational land I inherited?"
• "My fiancé wants to keep his credit cards..."
• "My financial advisor wants me to invest before paying off debt."

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Dave Ramsey & Rachel Cruze answer your questions and discuss:

•  "Should I take out a car loan so I can keep my employer's car allowance?"
• "Can I put my kids on our payroll so we can put money into a 401(k) for them?"
• Selling a house to pay off debt,
• from the blog: Should You Sell Your Home to Knock Out Debt?
• How spouses can balancing handling finances together.

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Dave Ramsey & Rachel Cruze answer your questions and discuss:

•  "Roll my credit card debt into my mortgage?"
• "Should I leave everything to my wife in the will?"
• "Is the goal of wealth realistic at 70 years old?"
• Should we move in with my in-laws to save money?"

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Dave Ramsey & Rachel Cruze answer your questions and discuss:

•  "Should we buy a house from family?"
• Dr. Meg Meeker on fatherhood,
• "I feel like I'm focusing on too many things"

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