The Ramsey Show

Dave Ramsey & George Kamel discuss:

• How much money you save when you use cash,
• Figuring out your financial priorities,
• How Dave bounced back after bankruptcy.

Support Our Sponsor:

• DreamCloud
• Churchill Mortgage
• Zander Insurance

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. Visit megaphone.fm/adchoices

Dave Ramsey & George Kamel discuss:

• Using a HELOC to pay off debt,
• How much is enough for a down payment,
• Getting started on the Baby Steps,
• A former addicts fear of paying off debt,
• How much is too much to put in a pension,
• If crypto should be a part of your portfolio.

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. Visit megaphone.fm/adchoices

Dave Ramsey & George Kamel discuss:

• If buying a vacation home with the in-laws is a good idea,
• Preparing for baby step 4,
• The best way to fund medical school,
• The ins and outs of donating money to friends.

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. Visit megaphone.fm/adchoices

Dave Ramsey & Kristina Ellis discuss:

• Putting value on a piece of property,
• Mutual fund vs a 529,
• Investing while working on a PhD,
• Churches taking on debt

Support Our Sponsor:

• Christian Healthcare Ministries
• NetSuite

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. Visit megaphone.fm/adchoices

Dave Ramsey & Kristina Ellis discuss:

• Paying for closing costs on a new house,
• The ROI of an MBA,
• The rise of teenagers betting on sports.

Support Our Sponsor:

• Zander Insurance

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. Visit megaphone.fm/adchoices

Dave Ramsey & Kristina Ellis discuss:

• The best way to handle a large insurance settlement,
• Using the emergency fund to pay off the house,
• Defining your financial priorities.

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. Visit megaphone.fm/adchoices

Dave Ramsey & Dr. John Delony discuss:

• Getting your spouse on board to become debt-free,
• The best way to negotiate your salary,
• How to set up a budget,
• Buying a new home with retirement money.

Support Our Sponsor:

• Churchill Mortgage
• Zander Insurance
• NetSuite

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. Visit megaphone.fm/adchoices

Dave Ramsey & Dr. John Delony discuss:

• Trying to budget while battling cancer,
• When buying gifts is a violation of trust,
• Knowing when to accept gifts from parents (and when to quit the family business).

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. Visit megaphone.fm/adchoices

Dave Ramsey & Dr. John Delony discuss:

• How much is enough for a full emergency fund,
• The best way to save for an engagement,
• Knowing when to cash out money from mutual funds,
• When to focus on Baby Step 3b.

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. Visit megaphone.fm/adchoices

Dave Ramsey & Ken Coleman discuss:

• How to know when you're buying (or building) too much house,
• Knowing when it's time to upgrade from the beater car,
• The morals and ethics of working somewhere that sells debt products.

Support Our Sponsor:

• Zander Insurance
• Christian Healthcare Ministries

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. Visit megaphone.fm/adchoices

Dave Ramsey & Ken Coleman discuss:

• How to avoid entitled kids,
• What to do when you're behind on bills,
• Forgiving a family member who won't pay back money you let them borrow
• Setting boundaries.

Support Our Sponsor:

• Splash Financial

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. Visit megaphone.fm/adchoices

Dave Ramsey & Ken Coleman discuss:

• Paying a price to get rid of your debt,
• Getting ahead on student loans,
• Declining a job offer after having originally accepting it.

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. Visit megaphone.fm/adchoices

George Kamel & Ken Coleman discuss:

• Staying in a job for the health insurance,
• Buying property with cash or a loan,
• Where a young teen should save the money they earn from a job,
• Picking between two financial advisors.

Support Our Sponsor:

• Zander Insurance
• Churchill Mortgage

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. Visit megaphone.fm/adchoices

George Kamel & Ken Coleman discuss:

• The potential for doing your job from another state,
• Moving to a more affordable area,
• George's money hacks,
• Stopping investing to save for a home,
• Talking a college-bound kid out of student loans.

Support Our Sponsor:

• Christian Healthcare Ministries

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. Visit megaphone.fm/adchoices

George Kamel & Ken Coleman discuss:

• Selling rental properties to get out of debt,
• BMW's heated seats subscription pilot,
• Selling a house vs. fixing it up,
• Knowing when to leave a job even if it's comfortable,
• The necessity of grad school,
• Waiting for student loan forgiveness.

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. Visit megaphone.fm/adchoices

Free Livestream: Is the housing market going to crash? Register now: https://bit.ly/3n9bhyR

Dave Ramsey & George Kamel discuss:

• When married couples disagree on how much house to buy,
• Pulling money out of a 401(k) to put in a Roth,
• Trying to make ends meet when income is low,
• How to get money out of a shared investment.

Support Our Sponsor:

• NetSuite
• Splash Financial
• Zander Insurance

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. Visit megaphone.fm/adchoices

Dave Ramsey & George Kamel discuss:

• Whether or not to let a home buyer move in early,
• How married couples can set up their health insurance,
• Tithing in baby step 2,
• Budgeting after a large promotion,
• How buying a duplex affects the 25% of your take-home pay rule,
• When you're debt free but don't actually own anything.

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. Visit megaphone.fm/adchoices

Dave Ramsey & George Kamel discuss:

• Do you have to invest in the stock market or is real estate enough?
• Making up for past money mistakes in a marriage,
• A spouse who spent $5k without telling her husband first.

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. Visit megaphone.fm/adchoices

Free Livestream: Is the housing market going to crash? Register now: https://bit.ly/3n9bhyR

Dave Ramsey & Rachel Cruze discuss:

• Getting a reluctant spouse on board,
• Increasing your emergency fund to account for inflation,
• Selling a rental property to pay off the primary home.

Support Our Sponsor:

• DreamCloud
• Zander Insurance

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. Visit megaphone.fm/adchoices

Dave Ramsey & Rachel Cruze discuss:

• Dealing with tax implications after a loved one's death,
• Owner financing when buying a house,
• Starting a business with a baby on the way,
• Construction loans,
• Dealing with a cheating spouse who wants a divorce but wants to live in the same house.

Support Our Sponsor:

• Churchill Mortgage

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. Visit megaphone.fm/adchoices

Dave Ramsey & Rachel Cruze discuss:

• Why certain areas of the country are more/less desirable,
• Selling the house to pay off debt,
• Why you shouldn't take out student loans.

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. Visit megaphone.fm/adchoices

Free Livestream: Is the housing market going to crash? Register now: https://bit.ly/3n9bhyR

Dave Ramsey & Kristina Ellis discuss:

• Paying back parents for college tuition,
• Why it's possible to go to school debt-free,
• The best way to plan to purchase a vacation home,
• Buying business vehicles vs. personal vehicles.

Support Our Sponsor:

• Zander Insurance
• Splash Financial
• Christian Healthcare Ministries

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. Visit megaphone.fm/adchoices

Dave Ramsey & Kristina Ellis discuss:

• Pausing investing to pay for college,
• Knowing how much house you can afford,
• Disagreement about how to use an inheritance.

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. Visit megaphone.fm/adchoices

Dave Ramsey & Kristina Ellis discuss:

• Why you can't predict the end of the world (and invest accordingly),
• Counseling a kid who doesn't want to go to college,
• The best way to invest after selling a home,
• When to sell a car.

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. Visit megaphone.fm/adchoices

Free Livestream: Is the housing market going to crash? Register now: https://bit.ly/3n9bhyR

Dave Ramsey & Ken Coleman discuss:

• How to save money for kids from an accident settlement,
• The crazy real estate market,
• What to do with the house post-divorce,
• Selling a car to pay off debt.

Support Our Sponsor:

• DreamCloud
• Zander Insurance

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. Visit megaphone.fm/adchoices

Dave Ramsey & Ken Coleman discuss:

• What to do when you fall out of love with your career,
• Why Dave keeps working even though he doesn't "have to" work,
• Cashing out a 401(k) to pay off debt,
• Handling a pension payout.

Support Our Sponsor:

• NetSuite

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. Visit megaphone.fm/adchoices

Dave Ramsey & Ken Coleman discuss:

• Cashing out investments to pay off your house,
• Mandatory pension contributions, and why pensions are going away,
• Pay off debt now or save up and pay later?

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. Visit megaphone.fm/adchoices

Free Livestream: Is the housing market going to crash? Register now: https://bit.ly/3n9bhyR

Ken Coleman & George Kamel discuss:

• Rebuilding a business after a move,
• Picking up the pieces after a crypto scam,
• Bad TikTok investing advice,
• Renting a car without a credit card.

Support Our Sponsor:

• Zander Insurance
• Churchill Mortgage

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. Visit megaphone.fm/adchoices

Ken Coleman & George Kamel discuss:

• Is now a good time to sell your home?
• Stopping investments to pay off debt,
• Which debts to pay off first,
• When it makes sense to stop investing.

Support Our Sponsor:

• Zander Insurance

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. Visit megaphone.fm/adchoices

Ken Coleman & George Kamel discuss:

• Improving your credit after bankruptcy,
• Selling a rental to pay off a primary residence,
• Growing your business' client base,
• The best way to protect your savings,
• Preparing for a divorce settlement.

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. Visit megaphone.fm/adchoices

Free Livestream: Is the housing market going to crash? Register now: https://bit.ly/3n9bhyR

Dr. John Delony & Rachel Cruze discuss:

• Sinking funds vs. emergency funds,
• Should you make your kids tithe?
• How to budget for months with less income,
• I feel like I'm running out of time to save.

Support Our Sponsor:

• Christian Healthcare Ministries
• Zander Insurance
• Splash Financial

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. Visit megaphone.fm/adchoices

Dr. John Delony & Rachel Cruze discuss:

• Paying for law school,
• Making payments for a cell phone,
• Building a house vs. buying a house,
• How to get started budgeting.

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. Visit megaphone.fm/adchoices

Dr. John Delony & Rachel Cruze discuss:

• Fighting a custody battle when you can't afford an attorney,
• Why your parents don't get a vote on your side hustle choice,
• Trading in a vehicle vs. repairing it,
• Whether or not to sell the business,
• Paying for a wedding during Baby Step 2.

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. Visit megaphone.fm/adchoices

Free Livestream: Is the housing market going to crash? Register now: https://bit.ly/3n9bhyR

Rachel Cruze & Dr. John Delony discuss:

• What to do when you feel like you'll never get done with baby step 2,
• Owing money to family,
• Why married couples should combine bank accounts,
• Planning for a lower income job in the future.

Support Our Sponsor:

• Zander Insurance
• Churchill Mortgage

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. Visit megaphone.fm/adchoices

Rachel Cruze & Dr. John Delony discuss:

• Quitting a side job to spend more time with family,
• Selling your house to live in a van (down by the river),
• Holding to your values while dating,
• How long to stay in baby step 3b.

Support Our Sponsor:

• DreamCloud

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. Visit megaphone.fm/adchoices

Rachel Cruze & Dr. John Delony discuss:

• Financially preparing to blend families,
• Staying on track during the baby steps,
• How to roll over a 401(k),
• How to move on financially after a divorce.

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. Visit megaphone.fm/adchoices

Free Livestream: Is the housing market going to crash? Register now: https://bit.ly/3n9bhyR

Dave Ramsey & Ken Coleman discuss:

• Self-insuring for long-term care insurance,
• The best way to find scholarships,
• Fixed index annuities.

Support Our Sponsor:

• NetSuite
• Zander Insurance
• DreamCloud

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. Visit megaphone.fm/adchoices

Dave Ramsey & Ken Coleman discuss:

• How to fix a major loss at your company,
• Is it ever too late to change jobs?
• Helping a grandchild in college.

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. Visit megaphone.fm/adchoices

Dave Ramsey & Ken Coleman discuss:

• Building an emergency fund vs. paying off debt,
• Paying off an adult child's mortgage,
• The best way to further your career.

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. Visit megaphone.fm/adchoices

Dave Ramsey & George Kamel discuss:

• Whether or not to buy a newer car,
• Where you should direct your retirement funds,
• Term life insurance

Support Our Sponsor:

• Churchill Mortgage
• Christian Healthcare Ministries

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. Visit megaphone.fm/adchoices

Dave Ramsey & George Kamel discuss:

• Why it’s important to get a realtor,
• Getting on track with your budgeting,
• How to get on the same page about supporting a family member.

Support Our Sponsor:

• Zander Insurance

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. Visit megaphone.fm/adchoices

Dave Ramsey & George Kamel discuss:

• How to pay for college,
• What your best investing options are,
• How much to save for a house down payment.

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. Visit megaphone.fm/adchoices

George Kamel & Dr. John Delony discuss:

• Whether or not a 30-year mortgage can be better than a 15-year,
• How to build wealth after college,
• Why you shouldn’t try to “game” the credit card system.

Support Our Sponsor:

• Zander Insurance
• Splash Financial

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. Visit megaphone.fm/adchoices

George Kamel & Dr. John Delony discuss:

• The different types of mutual funds,
• Figuring out your next financial goal,
• How to pay off your car.

Support Our Sponsor:

• Churchill Mortgage

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. Visit megaphone.fm/adchoices

George Kamel & Dr. John Delony discuss:

• Starting a business,
• Making a decision about a workplace vaccine mandate,
• What to do with a large settlement.

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. Visit megaphone.fm/adchoices

Dave Ramsey & Rachel Cruze discuss:

• Paying off an expensive car loan,
• Getting gold as a wedding gift,
• Can I give my kids a W-2 for doing chores.

Support Our Sponsor:

• DreamCloud
• NetSuite
• Zander

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. Visit megaphone.fm/adchoices

Dave Ramsey & Rachel Cruze discuss:

• Doing Baby Steps 4, 5 & 6 all at once,
• Paying off rental property,
• Preparing to live off one income,
• Selling a business.

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. Visit megaphone.fm/adchoices

Dave Ramsey & Rachel Cruze discuss:

• Do we need a consultant for our business,
• Being proactive with money,
• Family that always asks for money.

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. Visit megaphone.fm/adchoices

Dave Ramsey & George Kamel discuss:

• How to handle a large settlement,
• Moving 401k investments,
• What is bear market and how long will we be in one,
• Preparing for twins,
• The risk of employee stock options.

Support Our Sponsor:

• Omaha Steaks
• NetSuite

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. Visit megaphone.fm/adchoices

Dave Ramsey & George Kamel discuss:

• Are land leases a good idea,
• Paying off a parent plus loan with a 401K,
• What to do after Baby Step 7,
• Is a career change a good idea.

Support Our Sponsor:

• Christian Healthcare Ministries
• Zander Insurance

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. Visit megaphone.fm/adchoices