The Ramsey Show

George Kamel & Kristina Ellis answer your questions and discuss:

• Using credit card points to pay off a mortgage,
• Update on student loan provision in the Secure Act 2.0,
• Selling a truck to pay off the house,
• Knowing which credit card to pay off first.
• Dealing with overdrafts.

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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George Kamel & Jade Warshaw answer your questions and discuss:

• Investing for retirement when you have no outlet through your employer,
• "Should I buy a house with my girlfriend?"
• Why the Baby Steps are a proven plan to win with money,
• Join Jade's FPU Class!
• When you should convert a 401(k) to a Roth,
• Why momentum matters more than interest rates when paying off debt.

Support Our Sponsor:

• Zander Insurance
• NetSuite
• PODS Moving & Storage

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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George Kamel & Jade Warshaw answer your questions and discuss:

• I have $120,000 buried in tin cans,
• How digital subscriptions can be death by a thousand cuts,
• High-yield savings accounts,
• The "rent-a-chicken" trend,
• Convincing a boyfriend to pay off his debt.

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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George Kamel & Jade Warshaw answer your questions and discuss:

• What to do with $500k in savings,
• Millennials living with their parents,
• "Should I cancel my universal whole life policy?"
• "How can I move out of my parents' house?"
• Saving money in the bank vs. investing with an advisor.

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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George Kamel & Ken Coleman answer your questions and discuss:

• Catching up on retirement investing,
• Cashing out a 401(k),
• "Is it ever possible to invest too much?",
• from the blog: Dave's Investing Philosophy
• "Should I get into house hacking?"

Support Our Sponsor:

• DreamCloud
• PODS Moving & Storage
• Zander Insurance

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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George Kamel & Ken Coleman answer your questions and discuss:

• Getting your budget dialed in,
• "I bought a car at 24% interest!",
• The insanity of recent Google layoffs,
• "I'm retired but I want to go back to work"

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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George Kamel & Ken Coleman answer your questions and discuss:

• Dealing with tax debt,
• "How picky should I be in my job search?"
• Credit scores and why you don't need one,
• "I'm scared the economy is going to collapse and the government will take my money".

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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Ken Coleman & George Kamel answer your questions and discuss:

• When you should leave a toxic work environment,
• "Can I work multiple baby steps at once?"
• Taking a job you're nervous about,
• "The great quit": why Gen Z are quitting their jobs",
• Getting out from an upside down truck.

Support Our Sponsor:

• PODS Moving & Storage
• NetSuite
• DreamCloud

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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Ken Coleman & George Kamel answer your questions and discuss:

• How to stick to a budget,
• What to do with an inheritance,
• "I feel stuck in the Baby Steps, what can I do?"
• "Our wealth is causing division with friends and family"

Support Our Sponsor:

• Zander Insurance

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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Ken Coleman & George Kamel answer your questions and discuss:

• Withdrawing from a 401(k),
• Preparing for a layoff,
• Choosing a higher-paying job vs. a more stable one,
• What the Debt Ceiling news means for the average American,
• Paying off debt when you don't have any margin,
• When a dream job suddenly isn't.

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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The economy’s still crazy—and maybe you’re worried last year’s money stress will follow you into 2023. It doesn’t have to! Dave, George and Rachel will unpack how you can still make progress, build wealth, and have peace with your money this year. Yep, even in tough, uncertain times. 

Get our limited-time offer on Financial Peace University and make 2023 the year you get rid of money stress: (http://bit.ly/3QSiKjV)

Watch the full Building Wealth livestream, plus a special panel discussion here: https://www.ramseysolutions.com/wealth 

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Kristina Ellis & George Kamel answer your questions and discuss:

• Pulling from mutual funds to pay off debt,
• from the blog: Should I Use My Investments to Pay Off Debt?
• "How do I get started on the Baby Steps?"
• from the blog: How to Win With Money in 7 Baby Steps
• An update on the Debt Ceiling and Student Loan Forgiveness,
• "I'm over $100k in debt. should I declare bankruptcy?"
• "Should I pay for my ex-husband's funeral?"

Support Our Sponsor:

• Churchill Mortgage
• PODS Moving & Storage
• Zander Insurance

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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Kristina Ellis & George Kamel answer your questions and discuss:

• Getting out of a car lease,
• from the blog: How Does Leasing a Car Work?
• Update on Kristina's #NoSpendChallenege,
• "Should I be investing while paying off debt?"
• from the blog: When You Should Stop Investing
• What a "Super Roth" is and whether or not you should do one,
• How to use an inheritance well.

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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Kristina Ellis & George Kamel answer your questions and discuss:

• "My wife thinks FPU is a scam",
• Helping a daughter decide on a career,
• "Should I roll my loans into a mortgage?"
• Using savings to pay off debt,
• What to do after a job loss,
• Balancing a side-hustle with family time.

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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George Kamel & Jade Warshaw answer your questions and discuss:

• How much to spend on a new vehicle,
• "We're having a hard time tracking expenses"
• from the blog: Baby Step 1: Your Budgeting Guide
• Keeping two jobs vs. only one job that pays better,
• "Should I pull from single stocks to pay off debt?"
• from the blog: Should I Use My Investments to Pay Off Debt?
• Making stupid mistakes with money,
• "Should I get a construction loan?"

Support Our Sponsor:

• Christian Healthcare Ministries
• Zander Insurance
• PODS Moving & Storage

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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George Kamel & Jade Warshaw answer your questions and discuss:

• "I'm scared to only have $1000 for an emergency fund"
• from the blog: Is a $1,000 Emergency Fund Enough?
• Why you should never pay your girlfriend's student loan,
• "Should I buy a truck at 19 years old?"
• "How quickly can I get this debt paid off?"

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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Jade Warshaw & George Kamel answer your questions and discuss:

• "Should I keep living with my parents or move out?"
• 5 things you need to know before filing taxes,
• from the blog: Tax Season 2023: What You Need to Know (and Looking Ahead to 2024)
• Selling and building a new home,
• Saving for fertility treatment,
• Refinancing a home.

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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John Delony & George Kamel discuss:

• How to get out of debt when you feel lost on your current career path,
• from the blog: How To Pay Off Debt
• "How do we buy a house without a credit score?"
• from the blog: Can You Buy A House With No Credit? and Living Without A Credit Score
• The best way to figure out how to start investing,
• from the blog: How To Start Investing: A Beginner's Guide
• The differences between your emergency fund and sinking funds,
• from the blog: What Is A Sinking Fund and How Do You Create One?
• Why you should stop investing when you're in debt and have no savings,
• from the blog: 40 with No Savings? How To Retire A Millionaire

Support Our Sponsor:

• DreamCloud
• PODS Moving & Storage
• Zander Insurance

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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Dr. John Delony & George Kamel discuss:

• How to take control of your life and your finances,
• What to do when gifts from family members come with strings attached,
• Why sacrificing your lifestyle will accelerate your debt payoff journey,
• from the blog: Are The Sacrifices Worth Being Debt Free? These People Think So
• "Which of my debts should I pay off first?"
• from the blog: What Debt Do You Pay Off First?
• What to do when you keep getting stuck in the Baby Steps,
• from the blog: How To Finally Take Control Of Your Finances
• Why you should never pull from your 401(k) before retirement,
• from the blog: 4 Life Events You Shouldn't Cash Out Your 401(k) to Fund

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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Dr. John Delony & George Kamel discuss:

• What to do when family members want you to get a prenup but you don't want to,
• How investing in Legos and other toys is a horrible way to build wealth,
• from the blog: Dave's Investing Philosophy
• How to navigate grief and what's next after the loss of a parent,
• Why the interest on debt doesn't matter in the Debt Snowball,
• from the blog: Debt Snowball vs. Debt Avalanche
• How to pick where to live when commuting to work
• from the website: Cost Of Living Calculator

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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George Kamel & Jade Warshaw answer your questions and discuss:

• "My boyfriend wants me to sell my vehicle",
• American men's obsession with trucks,
• "How should I split my income between my mortgage and investments?"
• When it makes things to sell things to get out of debt,
• Using inheritance money to build the best financial future,
• from the blog: What to Do With an Inheritance
• "We're not on the same page about downsizing our vehicles"
• "How should we adjust our investments after having our first baby?"

Support Our Sponsor:

• Zander Insurance
• Churchill Mortgage
• NetSuite

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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George Kamel & Jade Warshaw answer your questions and discuss:

• Saving for a new roof,
• How much money to set aside for taxes,
• How to save money on groceries,
• from the blog: Why Are Food Prices Going Up?
• "How can I maximize my wealth with the baby steps?"

Support Our Sponsor:

• PODS Moving & Storage

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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George Kamel & Jade Warshaw answer your questions and discuss:

• "What should I do after selling my house?"
• How much to spend on a vehicle,
• "When should I move out of my parents' house?"
• What to do with a big insurance settlement,
• "Should I consolidate my debt?"
• from the blog: What Is Debt Consolidation?
• Accepting a lower offer on a home sale.

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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George Kamel & Ken Coleman answer your questions and discuss:

• Combining finances in marriage,
• Why you shouldn't fall for nothing down real estate schemes,
• How sometimes you have to say no to something good to achieve something great.

Support Our Sponsor:

• NetSuite
• Zander Insurance
• PODS Moving & Storage

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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George Kamel & Ken Coleman answer your questions and discuss:

• Saving up to fix a car while paying off debt,
• "How much emergency fund do I need?"
• from the blog: A Quick Guide to Your Emergency Fund
• Why you shouldn't pause investing to pay off the house
• from the blog: When You Should Stop Investing
• What to do with an extra half a million in cash,
• Buying a house vs. renting.

Support Our Sponsor:

• Christian Healthcare Ministries

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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George Kamel & Ken Coleman answer your questions and discuss:

• "I'm 25 and live with my parents, what should I do with my money?"
• "How can I best help my parents with money?"
• "Should I stay at my part time job if I love it?"
• "I'm a single mom facing eviction"
• The practicality of getting solar panels.

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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Join the free Building Wealth Livestream Event on January 12th!

Ken Coleman & George Kamel answer your questions and discuss:

• "Should I buy a house right now or keep renting?"
• from the blog: Should I Rent or Buy a House?
• "What are guidelines about moving to a different states?"
• from the blog: How to Move to Another State
• Buc-ee’s is paying six-figures with no experience necessary,
• Whether or not to buy a fixer-upper,
• from the blog: Buying a Fixer-Upper Home: What to Know

Support Our Sponsor:

• Zander Insurance
• Grip6
• Churchill 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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Ken Coleman & George Kamel answer your questions and discuss:

• "I'm having a hard time finding my career path",
• Why whole life insurance sucks,
• from the blog: Term vs. Whole Life Insurance: What’s the Difference?
• "Talk me out of keeping my car loan..."
• Why people lie on their resumes (and why you shouldn't let self-doubt hold you back),
• Financially preparing for a baby.
• from the blog: Having a Baby? Don't Forget These Expenses

Support Our Sponsor:

• PODS Moving & Storage

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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Ken Coleman & George Kamel answer your questions and discuss:

• How you can create margin and build wealth: Tune into Building Wealth Live
• Whether or not you should stay in a job where you feel undervalued,
• Avoiding debt-consolidation,
• Pursuing a career vs. a job to make money,
• "I want to leave my engineering job to be a plumber".

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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Join the free Building Wealth Livestream Event on January 12th!

Rachel Cruze & Jade Warshaw answer your questions and discuss:

• The struggles that women face around pink tax,
• "I owe my uncle $11k in overdue rent and he isn’t speaking to me",
• "I'm a domestic abuse survivor looking for a fresh start with money",
• "How can we grow our family without taking on more debt?"
• When you can go into "storm mode" while paying off debt (but why you shouldn't overdo it),
• Starting a business on maternity leave.

Support Our Sponsor:

• PODS Moving & Storage
• DreamCloud
• NetSuite

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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Rachel Cruze & Jade Warshaw answer your questions and discuss:

• Why IRS debt always goes at the top of the debt snowball,
• Saving for college vs. paying off the house,
• from the blog: How Do I Save for Retirement, College, and Pay Off the Mortgage at the Same Time?
• Should you keep a secret separate bank account from your spouse just in case?
• What to do with profit from stocks,
• "Should I avoid buying a new house since I'm about to get engaged?"
• When and if you should sell a house to pay off debt,
• from the blog: Should You Sell Your Home to Knock Out Debt?
• "We're drowning in debt..."

Support Our Sponsor:

• Zander Insurance

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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Rachel Cruze & Jade Warshaw answer your questions and discuss:

• "Can we afford to buy a home this year?"
• from the blog: How Much House Can I Afford?
• Jade loses her mind over insane car payments and tells you what to do about it,
• "Should we change our investing strategy?"
• What to do when morning sickness affects your food budget.

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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Join the free Building Wealth Livestream Event on January 12th!

George Kamel & Kristina Ellis answer your questions and discuss:

• "I'm late saving for my kids' college - what can I do now?"
• How to Pay for College Without Student Loans
• "My house burned down and friends raised $100k for me - how should I use it?"
• The ROI on college degrees (and why you shouldn't consider a student loan an "investment"),
• Cash-flowing a master's degree,

Support Our Sponsor:

• Churchill Mortgage
• Zander Insurance
• PODS Moving & Storage

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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George Kamel & Kristina Ellis answer your questions and discuss:

• "How can I remodel my home without spending a fortune?"
• From the blog: What Are the Best Home Improvements to Boost Value?
• Update on Kristina's #NoSpendChallenge,
• "Do we need life insurance?"
• "How long should we save for a house?"
• From the blog: How to Save for a House

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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George Kamel & Kristina Ellis answer your questions and discuss:

• When should I pay off my HELOC?
• Why you shouldn't let FOMO inform your investing strategy (and avoid investing in art),
• The aftermath of co-signing on a loan,
• Investing vs. paying off debt.

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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George Kamel & Jade Warshaw answer your questions and discuss:

• What's the deal with tipping screens set so high?
• "Should I do a cash-out refi to buy a new home?"
• The debt snowball method vs. the avalanche method,
• "Should we rent before we buy in a city we just moved to?"
• Investing after selling off real estate.

Support Our Sponsor:

• DreamCloud
• PODS Moving & Storage
• Zander Insurance

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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George Kamel & Jade Warshaw answer your questions and discuss:

• Setting up a marriage for financial success,
• "Should I borrow money for a certification that can increase my income?"
• "I lost $85k in single stocks",
• HR Block offering tax refund advance loans,
• Updating payroll tax withholdings,
• What to look for when buying a home,
• Selling an upside down car.

Support Our Sponsor:

• Grip6

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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George Kamel & Jade Warshaw answer your questions and discuss:

• "How do I tackle my debt?"
• Inflation hacks for groceries, housing and utilities, transportation, and lifestyle,
• Avoiding a flashy lifestyle on a high income,
• Preparing for a loved one who has terminal cancer.

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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Join the free Building Wealth Livestream Event on January 12th!

George Kamel & Jade Warshaw answer your questions and discuss:

• Paying off the house vs. investing,
• "Should I keep a HELOC or refinance?"
• IRA: Roth vs. Traditional,
• "I took out student loans to invest and lost my money"
• "Should I sell the condo?"

Support Our Sponsor:

• Grip6
• PODS Moving & Storage
• Zander Insurance

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

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

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George Kamel & Jade Warshaw answer your questions and discuss:

• What to expect with your taxes in 2023,
• How long to plan to live in a house,
• "How can I make a large business purchase without debt?"
• Getting out of a car lease.

Support Our Sponsor:

• Churchill 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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George Kamel & Jade Warshaw answer your questions and discuss:

• "Is car sharing on Turo a good side hustle?"
• What to do when your goals don't align with your financial planner,
• Investing vs. saving for a future house,
• What to do with unused 529 money.

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

• Why you shouldn't borrow money from your dad (or anyone for that matter),
• How can I help my daughter and her future husband start off on the right foot,
• "Should I put extra money in an IRA or keep it in savings?"
• "How can I convince my husband to pay off debt instead of wasting it?",
• The best way to treat an emergency fund.

Support Our Sponsor:

• DreamCloud
• NetSuite
• PODS Moving & Storage

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

• "Should I look for a job with better benefits or better pay?"
• What Gaslighting actually means,
• The best way to use health insurance,
• The Damar Hamlin injury and how to deal with trauma,
• Helping a friend with crippling anxiety.

Support Our Sponsor:

• Zander Insurance

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

• Living in a van to save money on rent,
• Why intentionality and identity are key to setting goals this year,
• A woman whose husband won't partner with her to pay off $500k of consumer debt,
• "I cashed out my whole life insurance; how do I invest the extra money?"

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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Join the free Building Wealth Livestream Event on January 12th!

Kristina Ellis & George Kamel answer your questions and discuss:

• What to do with money from a tax return (and why you shouldn't want or plan for a large return),
• How to do a #NoSpendChallenge in 2023,
• The right way to buy a home,
• "How do I manage my money well after getting my first real job after college?"

Support Our Sponsor:

• Christian Healthcare Ministries
• DreamCloud
• Zander Insurance

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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Kristina Ellis & George Kamel answer your questions and discuss:

• Avoiding getting scammed when trying to sell a home,
• Why you shouldn't use your student loan to repair your car,
• "What's the best way to save for my kids' college?"
• Avoiding enabling a relative who is taking advantage,
• Buying vs. renting a home.

Support Our Sponsor:

• PODS Moving & Storage

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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Kristina Ellis & George Kamel answer your questions and discuss:

• Lump Sum vs. Dollar Cost Averaging,
• How student loans are a lot like gambling debt,
• "How do I prepare for college as a 15-year-old?"
• Avoiding a reverse 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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George Kamel & Ken Coleman answer your questions and discuss:

• "Should I buy a house before I get married to protect myself in case of divorce?"
• "How long should it take me to get out of debt?"
• "How should I reveal to my new employer that I was recently let go?"

Support Our Sponsor:

• Zander Insurance
• PODS Moving & Storage
• Grip6

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

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

Ramsey Solutions Privacy Policy

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George Kamel & Ken Coleman answer your questions and discuss:

• "Should I take a job just for the benefits?"
• "Does it make sense to sell our home to pay off debt?"
• Saving money by living in military housing.

Support Our Sponsor:

• NetSuite

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

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

Ramsey Solutions Privacy Policy

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George Kamel & Ken Coleman answer your questions and discuss:

• "My credit cards are maxed out, how can I dig out of this debt?"
• Should you take a lunch break?
• Matching 401(k) vs. Roth IRA,
• Quitting before you have another job lined up,
• How long to keep a house on the market.

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

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