The Ramsey Show

Dave Ramsey & George Kamel answer your questions and discuss:

• "I'm bitter after my husband took out a HELOC",
• Dave's thoughts on modern tipping culture,
• "Should I pause paying off debt to pay for my son's school?"
• How automating your savings and investing will help you win with money.

Support Our Sponsor:

• Zander Insurance
• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

Dave Ramsey & George Kamel interview millionaires to find out how they did it!

Support Our Sponsor:

• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

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

• "Should I quit my high paying job that requires travel?"
• Making fun of finance guru influencers,
• "I spent way too much on your car..."
• "How do I talk to my wife about taking another job",
• "What should I do with a work bonus?"

Support Our Sponsor:

• NetSuite
• PODS Moving & Storage
• Zander Insurance
• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

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

• "Help! I'm in debt and Reddit told me to call Dave Ramsey..."
• What to do after you get out of debt,
• "Should I invest in Pokémon cards?"
• "How do we stay encouraged when we keep getting knocked back in the Baby Steps?"
• Why you shouldn't do any additional investing outside of retirement until your house is paid off.

Support Our Sponsor:

• BetterHelp
• Churchill Mortgage
• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

George Kamel & John Delony answer your questions and discuss:

•  "My wife doesn't trust me with our finances",
• What having financial freedom can provide when things go wrong in life,
• "I don't know what to do about my financial future",
• "Should I take a pay cut for a more exciting job?"

Support Our Sponsor:

• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

George Kamel answers your questions and discusses:

• "How do I prepare to move out on my own?"
• Pausing Baby Step 2 during lower income periods,
• Financially preparing for marriage,
• The best side hustles to make extra money right now
• from the blog: 27 Side Hustle Ideas to Earn Extra Cash,
• "Is it worth taking a job with a long commute?"
• "How do I pay my debts that are in collections?"

Support Our Sponsor:

• BetterHelp
• Zander Insurance
• NetSuite
• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

George Kamel answers your questions and discusses:

• Getting out of the credit card trap,
• "Should I pay off all my debt before buying a house?"
• "What's the best way to save money online?"
• from the blog: What Is a High-Yield Savings Account and Do I Need One?
• "What's the best way to give my sister money?" 
• "Should I pay off personal debt with business earnings?
• Selling the car vs. keeping it.

Support Our Sponsor:

• PODS Moving & Storage
• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

George Kamel answers your questions and discusses:

• "Does everyone need life insurance?"
• What to do after selling a business,
• Why you should stay away from the "gold bros",
• Selling a house to by a RV,
• Going back to school while paying off a mountain of debt

Support Our Sponsor:

• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

Dave Ramsey & Rachel Cruze answer your questions and discuss:

• How do I start investing my money well?
• Paying for grad school,
• Employee stock purchase plans,
• Should I build back my credit after filing bankruptcy?

Support Our Sponsor:

• PODS Moving & Storage
• DreamCloud
• BetterHelp
• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

Dave Ramsey & Rachel Cruze answer your questions and discuss:

• Should we buy a bigger house or use a HELOC to add on?"
• "What should I do with an old 401(k)?"
• from the blog: 401(k) Rollovers: Everything You Need to Know,
• "Pausing investing to cash flow a new HVAC?"
• Should we pay someone to manage our investments?

Support Our Sponsor:

• Zander Insurance
• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

Dave Ramsey & Rachel Cruze answer your questions and discuss:

• "Should I go to law school and if so how should I pay for it?"
• How much buffer to keep in your checking account,
• "Can we pull from retirement for home renovations?"
• "My wife is opposed to budgeting... how do I address this?"
• "We're expecting quintuplets! How do we prepare?"

Support Our Sponsor:

• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

Dave Ramsey & Rachel Cruze answer your questions and discuss:

• "We called off our engagement. How do I handle the bills?" 
• Working the Baby Steps after getting laid off,
• from the blog: What to Do if You’re Laid Off,
• "What should my fiancé and I do with our homes when we get married?"
• Pausing investing while saving or a house,
• How long to stay at a company with bad leadership.

Support Our Sponsor:

• Zander Insurance
• BetterHelp
• PODS Moving & Storage
• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

Dave Ramsey & Rachel Cruze answer your questions and discuss:

• Why it's hard to pay off debt if you don't combine finances in marriage,
• How the debt ceiling debacle affects you,
• What to do with an insurance payout from a wife's passing,
• "Should I help my girlfriend with her expenses?"

Support Our Sponsor:

• DreamCloud
• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

Dave Ramsey & Rachel Cruze answer your questions and discuss:

• "Can I afford to be a stay-at-home mom?" 
• Teaching a 16yo about handling their money,
• "My brother is whispering in my ear about investing in CDs",
• The debt snowball vs. debt avalanche methods,
• "We feel unsafe in the house we just bought. Should we move?"

Support Our Sponsor:

• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

Dave Ramsey & Jade Warshaw answer your questions and discuss:

• "Can I be a stay-at-home mom with $240k of debt?"
• Why you shouldn't take your time getting out of debt,
• Making it as a single mom after a divorce,
• "Can we afford to buy a new car?"

Support Our Sponsor:

• Churchill Mortgage
• Christian Healthcare Ministries
• Zander Insurance
• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

Dave Ramsey & Jade Warshaw answer your questions and discuss:

• "Should we buy an investment property before our own home?"
• "I feel guilty spending money on fun things"
• "How much should we throw at our mortgage?"
• Helping parents with their finances.

Support Our Sponsor:

• PODS Moving & Storage
• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

Dave Ramsey & Jade Warshaw answer your questions and discuss:

• Updating your home and investing,
• "Should we sell property we bought with a HELOC?"
• "When should I tell my boss I'm moving?
• "Wait until I retire to pay off my house?"
• Does an employer match count for my 15%?
• "I'm about to inherit $1 million..."

Support Our Sponsor:

• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

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

• "I'm in debt and just lost my job",
• "My house is a money pit; what can I do?"
• "Should I accept student loan forgiveness?"
• Using a HELOC,
• "I'm 59 years old and have no retirement"

Support Our Sponsor:

• BetterHelp
• DreamCloud
• PODS Moving & Storage
• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

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

• "We're out of work and our creditors won't work with us"
• "What's the best way to build a new home?"
• "Should I put 40k into my house?"
• "Can I turn $100k into $1m?"
• "Should I rent my house out or sell it?"

Support Our Sponsor:

• Zander Insurance
• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

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

• "I feel resentful of my husband",
• "Should I get a HELOC for a new septic system?"
• "My mom is asking me for money even if I have to go into debt",
• "What should I do with my crypto investments?"

Support Our Sponsor:

• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

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

• "Should I move back in with my parents to go to school?"
• Tipping screens on self-checkout machines,
• "How can I earn passive income while pursuing a career in the arts?"

Support Our Sponsor:

• Zander Insurance
• Churchill Mortgage
• BetterHelp
• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

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

• "Should we still pay off our house if we're planning to move?"
• from the blog: How to Pay Off Your Mortgage Early,
• "How do I get my wife on board with the Baby Steps?"
• How sports betting is the new oxycontin,
• "Should I start an e-commerce business to get out of debt?"

Support Our Sponsor:

• PODS Moving & Storage
• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

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

• "My employer requires that I use credit cards",
• "Sell a paid off vehicle to pay off another vehicle?"
• Living paycheck-to-paycheck vs. having a zero-based budget,
• from the blog: How to Create a Zero-Based Budget,
• " I'm having to pause my investing, what do I do?"
• "Fiancee and I are $180k in debt"

Support Our Sponsor:

• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

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

• "Should I move to be closer to my son?" 
• Here are the facts about the bank failures and why fear is contagious,
• "My husband and I disagree on buying a new car",
• How to handle debt in collections,
• from the blog: How to Deal With Debt Collectors When You Can’t Pay

Support Our Sponsor:

• DreamCloud
• PODS Moving & Storage
• Zander Insurance
• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

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

• Teaching kids to manage money well,
• "Should I pay off my house early even if I have a low interest rate?"
• "My father-in-law keeps asking to borrow money"
• "My ex-wife doesn't want to sell the house"

Support Our Sponsor:

• NetSuite
• Christian Healthcare Ministries
• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

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

• "Should I buy into my company?"
• Dealing with a relative who is aggressively pro-debt,
• "I'm scared to invest in the stock market",
• How much to spend buying a house in cash.

Support Our Sponsor:

• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

Dave Ramsey & Jade Warshaw answer your questions and discuss:

• "We're $900k in debt",
• "When can we afford to buy a third rental?"
• from the blog: How to Invest in Real Estate,
• "Should I invest in my employer's 401(k) or a Roth IRA?"
• from the blog: How to Plan for Retirement,
• "I'm 10k upside down on my car",
• "Should I sell my condo to save for a house?"
• "Take out a loan to get by for the next two years?"

Support Our Sponsor:

• PODS Moving & Storage
• Zander Insurance
• Churchill Mortgage
• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

Dave Ramsey & Jade Warshaw answer your questions and discuss:

• Helping an adult child with emergency medical bills,
• Knowing when it makes sense to refinance a mortgage,
• from the blog: Should I Refinance My Mortgage?
• Trying to sell a camper to family,
• "Should I buy a new car of pay off my house?"

Support Our Sponsor:

• BetterHelp
• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

Dave Ramsey & Jade Warshaw answer your questions and discuss:

• "Should my brother take over dad's finances?"
• A high school senior who breaks U.S. record with 125 college offers, $9 million in scholarships,
• from the blog: Break the Chains of Student Loans,
• "I'm scared of buying a house..."
• "Should I pay off student loans or put money in a high-yield savings account?"

Support Our Sponsor:

• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

Dave Ramsey & George Kamel answer your questions and discuss:

• Saving for a house during the Baby Steps,
• from the blog: How to Save for a House,
• Going on a family trip while paying off debt,
• How the Fed raising interest rates affects your money,
• "Is it fair for me to ask my wife to help pay off my debts with me?"
• Dealing with a convoluted estate from a deceased relative,
• "Should I invest in mutual funds or real estate?"

Support Our Sponsor:

• NetSuite
• BetterHelp
• PODS Moving & Storage
• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

Dave Ramsey & George Kamel answer your questions and discuss:

• "Can I use a HELOC as my primary mortgage?" 
• How to budget commission checks,
• from the blog: How to Budget With an Irregular Income,
• "I'm 59 years-old with $258k in student loans",
• "Should I pay off the house if I'm about to get married?"

Support Our Sponsor:

• Zander Insurance
• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

Dave Ramsey & George Kamel answer your questions and discuss:

• "I make six figures and live paycheck-to-paycheck",
• "Should we take higher-paying jobs we enjoy less to pay for our kids' school?"
• Moving to be closer to a job,
• "I enjoy my job but have an offer that pays more"
• Buying a car.

Support Our Sponsor:

• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

George Kamel & Rachel Cruze answer your questions and discuss:

• "I feel guilty about my line of work; should I look for another job?"
• "Should we sell our house and live in a camper?" 
• Selling a rental property to pay off the house,
• "Pay off student loans or invest with my savings?"
• "Can I use a virtual debit card to pay off a bill in collections?"
• "Should we build a house now or save up more?"

Support Our Sponsor:

• Christian Healthcare Ministries
• PODS Moving & Storage
• NetSuite
• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

George Kamel & Rachel Cruze answer your questions and discuss:

• "What should I do with inherited homes?"
• Why home ownership will make you wealthy (when you're ready),
• "Where should I put extra savings?"
• from the blog: What Is a High-Yield Savings Account and Do I Need One?
• "Should I pause retirement to refill the emergency fund?"
• Buying a fixer-upper vs. move-in-ready home.

Support Our Sponsor:

• Zander Insurance
• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

George Kamel & Rachel Cruze answer your questions and discuss:

• "Should I increase my emergency fund for inflation and potential layoffs?"
• "How do I start investing at a young age?"
• "I'm $200k in consumer debt. Should I declare bankruptcy?"
• "Put my TSP in a Roth or traditional account?"
• "Should we use some of our emergency fund for investing?"
• "My mom gifted me my sister's car but still wants me to make payments..."

Support Our Sponsor:

• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

Dave Ramsey & Jade Warshaw answer your questions and discuss:

• "Should I take a partial lump sum when I retire?"
• "I'm debt free but feel guilty spending money",
• Student loan repayments resuming soon,
• The best options to grow wealth.

Support Our Sponsor:

• DreamCloud
• Zander Insurance
• PODS Moving & Storage
• Neighborly

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

Join a Personality-led FPU class. Click here

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

Dave Ramsey & Jade Warshaw answer your questions and discuss:

• "How do I set myself up for success?"
• Stay away from the new Aven credit card (aka HELOC),
• "Is this real estate deal too good to be true?"
• Where to save for college.

Support Our Sponsor:

• BetterHelp
• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

Dave Ramsey & Jade Warshaw answer your questions and discuss:

• "Should I go directly into business or get a degree first?"
• Why you need to slow down and focus when starting a business,
• "We're living in a camper with 2 kids and a dog..."
• "My investments are shrinking, what can I do?"
• "Taking out a personal loan to fix the car"

Support Our Sponsor:

• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

Dave Ramsey & Jade Warshaw answer your questions and discuss:

• "What should I do with $100k in savings?"
• Tips for first-time home buyers,
• "Do I make enough working at a non-profit?"
• Doing an interest-rate buy-down,
• "How much of our inheritance do I owe my sister?"
• "Should we use our house as a rental when we move?"
• "Our homeowner's insurance went up $4k! "

Support Our Sponsor:

• Churchill Mortgage
• BetterHelp
• Zander Insurance
• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

Dave Ramsey & Jade Warshaw answer your questions and discuss:

• "I lost my dream car on a game show!"
• "How should I invest if I want to retire early?"
• "Where does my HUD loan fit in the Baby Steps?"
• "What are my next steps after my wife died?"
• "What should I do with $125K in the bank?"
• "Is our rental holding us back?"
• "Which retirement option is best for me?"

Support Our Sponsor:

• PODS Moving & Storage
• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

Dave Ramsey & Jade Warshaw answer your questions and discuss:

• "Is a 529 always the best option?"
• "Should I go into debt to buy a car?"
• "How can we catch up on investing?"

Support Our Sponsor:

• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

Rachel Cruze answers your questions and discusses:

• "Should we put money into my father's house or save for our own house?"
• "How should I budget money I make from surrogacy?"
• Knowing which debt to tackle next,
•  from the blog: How the Debt Snowball Method Works,
• Are we heading toward a recession?
• "Is debt-consolidation the right option for us?"
• from the blog: What Is Debt Consolidation?

Support Our Sponsor:

• Zander Insurance
• DreamCloud
• PODS Moving & Storage
• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

Rachel Cruze and her husband, Real Estate expert Winston Cruze answer your questions and discuss:

• How real estate investing is awesome but it's not "passive" income,
• from the blog: How to Invest in Real Estate,
• "Are quadplexes a good investment?"
• "I have $250k to invest; should I buy real estate or other investments?"
• The riskiness of multi-family investment groups,
• "How do I best invest the profits of a house sale?"

Support Our Sponsor:

• NetSuite
• BetterHelp
• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

Rachel Cruze answers your questions and discusses:

• "Should we buy land before or after leaving the military?"
• Paying extra on the house vs. saving for a new house,
• from the blog: How to Pay Off Your Mortgage Early,
• Travel spending: what conveniences are worth it?
• from the blog: Travel Hacks That Will Save You Money,
• "How do I pay off credit cards I haven't paid on in years?"
• "Pay off small loans first even if they have 0% interest?"
• "Should we put our whole budget on autopay?"

Support Our Sponsor:

• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

Jade Warshaw & Rachel Cruze answer your questions and discuss:

• "How do I start my first budget?"
• Why BNPL has a compounding effect of stupid,
• "Can I afford to buy a 'fun' car right now?"
• "We can barely make ends meet supporting our adult children"

Support Our Sponsor:

• PODS Moving & Storage
• Zander Insurance
• BetterHelp
• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

Jade Warshaw & Rachel Cruze answer your questions and discuss:

• "Should we pull from retirement to pay off the house?"
• Why you shouldn't get a loan to buy a mobile home for a rental,
• Jade & Rachel share their own personal budget busters,
• Getting a masters degree.

Support Our Sponsor:

• Churchill Mortgage
• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

Jade Warshaw & Rachel Cruze answer your questions and discuss:

• "Should I leave my teaching career?"
• "Should we move to a different school district for my son's wrestling team?"
• "I'm feeling stuck and can't get out of debt"
• "Should we invest the settlement from a car accident?"
• Selling the house to pay off debt faster.

Support Our Sponsor:

• Neighborly

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

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

Jade Warshaw & George Kamel answer your questions and discuss:

• Struggling to get ahead working the baby steps,
• Why you should get out of debt quick, and get rich slow(ly),
• "Should I buy a car next year?"
• "Do my HOA dues violate the Baby Steps?"
• "Should I get a HELOC to add-on to my house"
• from the blog: HELOC: What Is a Home Equity Line of Credit?

Support Our Sponsor:

• Churchill Mortgage
• PODS Moving & Storage
• Zander Insurance
• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

Jade Warshaw & George Kamel answer your questions and discuss:

• "I'm drained and hate my job... can I afford to quit?" 
• "Should I pay off my car lease or sell it?"
• The danger of debit cards that claim to build credit,
• Rolling over a 401(k) into a Roth,
• "We're in a house we can't afford"

Support Our Sponsor:

• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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

Jade Warshaw & George Kamel answer your questions and discuss:

• "Should I get variable universal life insurance?"
• from the blog: Everything You Need to Know About Universal Life Insurance,
•  Angry Morgan Wallen fan sends singer $4K bill for canceled show,
• Teaching kids about the best way to save,
• from the blog: How Do I Teach My Kids How to Save?
• Pulling from retirement savings to pay off the house,
• "Can we afford to go on vacation?"
• "Are we dreaming too big?"

Support Our Sponsor:

• Neighborly

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

Join a Personality-led FPU class. Click here!

Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy

Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale

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

Interested in advertising on The Ramsey Show? https://ter.li/s64ye3

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

Ramsey Solutions Privacy Policy

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