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The Ramsey Show

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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

Episodes

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Kristina Ellis & Dr. John Delony answer your questions and discuss:

 

  • "Do I need to move to save money?" 
  • "I'm drowning in debt and worried I'll lose my car"
  • from the blog: How Does Car Repossession Work?
  • The high cost of counseling,
  • "Should I pay off my ex to avoid giving her a share of my pension?"
  • "I'm being sued by Wells Fargo"


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Kristina Ellis & Dr. John Delony answer your questions and discuss:

 

  • "Are we ready to buy a house right now?"
  • Delony reacts to a study finding "Five ways credit cards can improve your mental health",
  • from the blog: Do I Need a Credit Card?,
  • "Should we move to another state?"
  • Saving money on groceries.
  • from the blog: How to Save Money on Groceries


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Kristina Ellis & Dr. John Delony answer your questions and discuss:

 

  • Getting momentum back after pausing the baby steps,
  • "Is higher education worth the debt?",
  • "I feel underpaid and not sure what the issue is",
  • The mental health effects of student loans.


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


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

 

  • "I'm not sure what I want to do for a career",
  • Saving for a starter home, and why you shouldn't let comparison drive your decision,
  • from the blog: How to Save for a House,
  • "What should I do for work after I retire?",
  • "I can't get a promotion in the family business".


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

 

  • "Things that business leaders get wrong",
  • "I don't trust my boyfriend with money",
  • "Is it time for a change?"


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

 

  • "My boyfriend wants me to move in with him",
  • The effect of social media on kids,
  • "How can I start a non-profit?",
  • "Should I sell my cars before moving to Germany?",
  • Making a career change.


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

 

  • Dealing with a messy financial situation in a relationship,
  • Mindset around wealth, discussing a recent viral video from a Chad Johnson interview,
  • "Should I skip Baby Step 3?",
  • Selling a fancy new car,
  • "How much fun money should we budget for?"
  • from the blog: Why You Need Some Fun Money in Your Budget


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

 

  • Renting a car without a credit card,
  • "I feel trapped discussing finances in my marriage",
  • "Should I sell my house to start a business?"
  • Top 10 Ramsey Pickup Lines.


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

 

  • "Should I pull from my retirement and pay off my vehicles?",
  • Americans are feeling worse about their money,
  • "Leaving a pension to make more money elsewhere",
  • from the blog: Why a 401(k) Is Better Than a Pension Plan,
  • "I don't feel comfortable combining finances"


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Ken Coleman & George Kamel answer your questions and discuss:

 

  • I'm not happy at my job and want to make more money,
  • The problem with a YOLO mentality around money,
  • Preparing to move,
  • What to do with life insurance money,
  • "Should I put money in a CD while I learn to invest?"
  • from the blog: How to Start Investing: A Beginner’s Guide
  •  Pausing Baby Step 2 for a new furnace.


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Published 2023-02-13

Should We Pay Off Debt or Invest? (Hour 2)

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

 

  • "Should we stop investing while in Baby Step 2?",
  • "Can my son be the beneficiary for my insurance?",
  • "Should we save extra income to pay off debt?"
  • How to respond to a low salary job offer,
  • "Should I save for retirement or pay off my debt?"
  • "Should I keep building my emergency fund or invest?"
  • "What should we do after paying off our home?"


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Published 2023-02-13

When should I start investing? (Hour 3)

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

 

  • "Should I start investing at 14-years-old?",
  • The affordability of a spouse staying at home,
  • "Should we sell our car?",
  • Zoom layoffs,
  • Pulling from savings to pay medical bills,
  • Moving out of state,
  • from the blog: Ramsey Cost of Living Calculator 


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Extract Knowledge

George Kamel & Kristina Ellis answer your questions and discuss:

 


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George Kamel & Kristina Ellis answer your questions and discuss:

 

  • "Do we rent in a bad area to save money?"
  • Kristina's #FrugalFebruary challenge,
  • Getting a good return out of an IRA,
  • "Should we build credit to buy a house?"
  • from the blog: The Best Way to Improve Your Credit Score,
  • "My mom stole the money I had saved for a car".


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George Kamel & Kristina Ellis answer your questions and discuss:

 

  • "My roommate isn't paying his share of the rent",
  • George & Kristina read song lyrics Dave Ramsey from ChatGPT (lyrics below),
  • How to get health insurance when your job doesn't provide it,
  • from the blog: Health Insurance FAQs,
  • Handling larger expenses in Baby Step 2,
  • George tells his story.


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


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A Song About Dave Ramsey

by ChatGPT


Verse 1:

He'll teach you how to save your cash

And make your money grow,

He'll show you how to live below

Your means and let it flow.

Chorus:

Dave Ramsey, he's the man,

With financial wisdom in his hand,

He'll guide you through the ups and downs,

On the road to financial soundness.

Verse 2:

He'll teach you how to pay off debt

And not to live in fear,

He'll show you how to invest

For a future that is clear.

Bridge:

He's got a plan for you and me,

To live a life of financial glee,

So listen to his words of advice,

And you'll be living the good life, twice.

Outro:

So take his advice and run,

And you'll see the money come,

Dave Ramsey, he's the man,

With financial wisdom in his hand.



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Published 2023-02-09

Should I Put 20% Down on My Home? (Hour 1)

39 min
View

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

 

  • "How should I think through caring for a father who drank himself into disability?",
  • "Should I put 20% down on my home?",
  • from the blog: What Is Private Mortgage Insurance (PMI) and How Does It Work?
  • "Should I use a HELOC to pay my student loans?",
  • "What's the best way for me to save and invest money?"
  • "Should we buy a house before we get married?"


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


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Extract Knowledge

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

 

  • "I thought I would feel more peace in Baby Step 7",
  • "I can't sleep because of my debt",
  • How long to be gazelle intense, 
  • from the blog: Gazelle Intensity: Do You Have It?
  • "My wife wants us to upgrade in home but I don't want to borrow more money for it",
  • "Should I pay off my future wife's Parent PLUS loans when we get married?"


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


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Extract Knowledge

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

 

  • "How can I help my in-laws who are being evicted?",
  • "My mom keeps giving me money even though I know she has bad spending habit",
  • "How do I get out of my 19% interest car loan?",
  •  "We haven't combined finances in 20 years".


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


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Extract Knowledge

Dave Ramsey & George Kamel answer your questions and discuss:

 


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Extract Knowledge

Dave Ramsey & George Kamel answer your questions and discuss:

 

  • "Should we buy a house if we're moving soon?" 
  • The best way to pull retirement funds,
  • "My wife and I disagree on how to pay off debt",
  • Chuck & Cindy do a powerful & emotional debt-free scream from the hospice bed,
  • "Where does a 401(k) loan go in the debt snowball?"
  • from the blog: How the Debt Snowball Method Works


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Published 2023-02-08

HELOC vs. a New House/Mortgage (Hour 3)

39 min
View

Dave Ramsey & George Kamel answer your questions and discuss:

 

  • "Should we empty savings to pay off the house?"
  • Home improvement loan vs. new mortgage,
  • "Does a backdoor Roth IRA make sense for me?"
  • from the blog: The SECURE 2.0 Act: Everything You Need to Know
  •  Saving for a house vs. focusing on investing.


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


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Published 2023-02-07

How Can I Retire Early? (Hour 1)

39 min
View

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

 

  • The comfort crisis in America,
  • Thinking through early retirement,
  • from the blog: What Is the F.I.R.E. Movement?
  • Paying off the house vs. saving for retirement,
  • Selling a rental property while paying off debt.


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Extract Knowledge

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

 

  • "My hot water heater busted and my emergency fund won't cover it."
  • from the blog: How to Keep 3 Common Home Repairs From Busting Your Budget
  • "I'm having a hard time getting my wife on board with cutting up our credit cards",
  • Using an inheritance to pay off a house,
  • Investing more in the market while it's down.


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


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Extract Knowledge

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

 

  • Staying motived on your debt-payoff journey,
  • Selling an investment property,
  • Paying off debt during a layoff,
  • Finding a good side hustle,
  • Why Whole Life insurance sucks.
  • from the blog: What Is Whole Life Insurance?
  • Investing time in your kids.


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


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Extract Knowledge

Dave Ramsey & Jade Warshaw answer your questions and discuss:

 

  • Dealing with family estate drama,
  • When money in savings becomes like "melting ice",
  • Retirement accounts,
  • Join Jade's FPU Class!
  • Dealing with increasing home insurance rates.


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


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Dave Ramsey & Jade Warshaw answer your questions and discuss:

 

  • "We're in a financial mess, what can we do?",
  • Gilbert & Michelle pay off $113,417 in 39 months!
  • "My wife has $24K in debt that I didn't know about".


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


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Published 2023-02-06

Pay Off the House or Invest More? (Hour 3)

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

 

  • "Should I invest less to pay more on my house?" 
  • Getting rid of a car lease,
  • Catching up on investing,


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


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Extract Knowledge

Kristina Ellis & Rachel Cruze answer your questions and discuss:

 


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Extract Knowledge

Kristina Ellis & Rachel Cruze answer your questions and discuss:

 


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Extract Knowledge

Kristina Ellis & Rachel Cruze answer your questions and discuss:

 


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


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Extract Knowledge

Dave Ramsey & Jade Warshaw answer your questions and discuss:

 


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Extract Knowledge

Dave Ramsey & Jade Warshaw answer your questions and discuss:

 


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Published 2023-02-02

It's Time To Stop Giving 70% (Hour 3)

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

 


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Extract Knowledge

Dave Ramsey & Rachel Cruze answer your questions and discuss:

 


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Extract Knowledge

Dave Ramsey & Rachel Cruze answer your questions and discuss:

 


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Dave Ramsey & Rachel Cruze answer your questions and discuss:

 


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Extract Knowledge

Dave Ramsey & Kristina Ellis answer your questions and discuss:

 

  • How to maximize your retirement options,
  • Wins from Kristina's #NoSpendChallenge,
  • from the blog: How to Crush a No-Spend Month
  • "Can we pull from our 401(k) to get our dream home?"


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


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Extract Knowledge

Dave Ramsey & Kristina Ellis answer your questions and discuss:

 

  • "How can I prepare for a government shutdown?"
  • from the blog: What Is a Government Shutdown and How It Could Affect You
  • "Can I move funds from an IRA to a 529?"
  • What the Secure Act 2.0 means for those with student loans,
  • "I need a new car soon",
  • Where to start on your money journey.


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


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

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Extract Knowledge

Dave Ramsey & Kristina Ellis answer your questions and discuss:

 

  • "We're over $200K in debt and don’t know where to start",
  • from the blog: How to Get Out of Debt With the Debt Snowball Plan
  • Dealing with a pension during a potential job change,
  • "How should I be allocating my money?"
  • Gold as an "insurance policy" during an economic collapse.


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


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Extract Knowledge

Dave Ramsey & Jade Warshaw answer your questions and discuss:


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


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

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Extract Knowledge

Dave Ramsey & Jade Warshaw answer your questions and discuss:

  • What to do with a home when you move,
  • Why you're always going to be broke until you stop making impulsive money decisions,
  • "Can I afford a $130,000 car?".


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


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Published 2023-01-30

Investing in Crypto = Gambling (Hour 3)

39 min
View

Dave Ramsey & Jade Warshaw answer your questions and discuss:

  • The best way to combine assets,
  • Investing in crypto (and why you shouldn't),
  • Moving forward after bankruptcy,
  • Overtime vs. a second job,
  • Taking a pay cut to get a job you love.


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


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

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Extract Knowledge

Dr. John Delony & Rachel Cruze discuss:

  • Caring for aging parents without enabling them.
  • "Should I attack my student loans or just make the monthly payments?"
  • "My husband is telling me to stop spending money, but he doesn't make any!"
  • Paying off your mortgage.


Support Our Sponsor:


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


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

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Extract Knowledge

Dr. John Delony & Rachel Cruze discuss:

  • "Should we borrow money from family at 0% interest?"
  • How to use money from a settlement,
  • "Should we pay off debt or wait to see what we owe on taxes?"
  • Piling up cash when expecting a baby,
  • Which to pay off first: student loans or mortgage,
  • John & Rachel react to Sebastian Ghiorghiu's viral video.


Support Our Sponsor:


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


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

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Extract Knowledge

Dr. John Delony & Rachel Cruze discuss:

  • Paying for college without scholarships,
  • Funding an emergency fund with mutual funds,
  • Renting while looking for a home,
  • Why people freak out when we tell married couples to combine bank accounts,
  • What to do with money in a CD,
  • "Can we have fun money in baby step 2?",
  • Getting caught up on bills.


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


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

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Extract Knowledge

George Kamel & Jade Warshaw answer your questions and discuss:

  • "How do I become financially independent?",
  • Paying off debt before buying a home,
  • Switching to a new retirement plan.


Support Our Sponsor:


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


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

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Published 2023-01-26

I’m Afraid To Spend Our Savings (Hour 2)

39 min
View

George Kamel & Jade Warshaw answer your questions and discuss:

  • "I'm afraid to spend our savings",
  • Knowing what the best next step is for you,
  • "Do I need car insurance for a borrowed car?"
  • Business loans vs. personal loans.


Support Our Sponsor:


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


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

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Extract Knowledge

George Kamel & Jade Warshaw answer your questions and discuss:

  • Paying your way through college,
  • What to do with inherited property,
  • Combining finances after marriage,
  • A deep dive on Baby Step 3,
  • Dealing with an expensive mortgage.


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


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

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


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Published 2023-01-25

I Owe $32k on a Car Worth $18k! (Hour 1)

39 min
View

George Kamel & Kristina Ellis answer your questions and discuss:


Support Our Sponsor:


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


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

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Extract Knowledge

George Kamel & Kristina Ellis answer your questions and discuss:

  • Rent prices are going up,
  • What to do with a large settlement,
  • The best way to tackle student loans,
  • Financially preparing for marriage.


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


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

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


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Ramsey Solutions Privacy Policy

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Extract Knowledge
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