The Ramsey Show

💰How much do you need to invest each month to retire a millionaire?

Jade Warshaw and Rachel Cruze answer your questions and discuss:

• "Can I learn to manage my money and get my family back?"
• "I want to close our credit cards but my husband doesn't..."
• "Should I take a job offer that is further away from home but has a higher salary?"
• "How do I plan for having a baby with Downs Syndrome?"
• "I need a $3k buffer for buying a house, should I take out a student loan or put it on my credit card?"
• "Am I being cheap for wanting to buy a lab-grown engagement ring?"
• "My wife does not know how to save. How can we get financially aligned?"
• "How do I manage business travel expenses that are reimbursed without using a credit card?"
• "Whose student loans should we pay off first?"
• "How do you recommend telling a whole life insurance agent no?"

Next Steps:

✔️⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠⁠⁠

📱 ⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠ 

💵⁠⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!

🏠 ⁠⁠⁠⁠⁠⁠Find a Ramsey Trusted Real Estate Agent

📖 Your Total Money Makeover starts here.

💗 ⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠

Connect with our Sponsors:

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• Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY
• Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠

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📈⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠⁠

Dave Ramsey and Jade Warshaw answer your questions and discuss:

• "Is it legal as a wife for me to protect my finances by opening an account separate from my husband? "
• "We have $0 in savings and are barely scraping by. Would furthering my education help me make more money?"
• "My In-laws are not financially literate and have no retirement savings. How do we give them a reality check?"
• "My family is pressuring me to become a lawyer but I'm not sure I want to take on that much school debt"
• "My dad owns $12 million in real estate. Should my husband and I start saving to buy out my siblings in the inheritance?"
• "Should we tackle our 401(k) loan first?"
• "Do you have any advice for a wife whose husband won't share finances even thought she's great with money?"
• "I need a higher paying job, should I give up my company vehicle even though I don't have a car?"
• "Should we hold onto a property or cash out now?"
• "If everyone spent less and saved more wouldn’t that hurt the economy because stocks would tank and jobs would be lost without that money coming in?"
• "How can I convince my husband we can't live on just Social Security?"
• "Can I use a credit card for cash back and just pay it off every month?"
• "I'm 28 years-old and still struggling with financial stability"
• "We need a new car but I can't stomach spending $30k"
• "Can I afford to move out of my parent's house now that I'm debt-free?"
• "I have debt in my name but I am not the one paying on it. Should I still tackle it myself?"
• "Can my husband and I afford a lake house?"
• "Should we accept a first-time home buyer benefit program?"

Next Steps:

✔️⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠⁠⁠

📱 ⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠ 

💵⁠⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠

💗 ⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠

🏠 Find a Ramsey Trusted Real Estate Agent

⛓️‍💥 Tired of debt? Grab Breaking Free From Broke now!

Connect with our Sponsors:

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• Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!
• Find top Health Insurance Plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠
• Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠
• Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ today to learn more
• For more information, go to ⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠
• Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠
• Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY
• Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠

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📈⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠⁠

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

• "How do I help my grandma get into an apartment without co-signing?"
• "How do I best use unlimited overtime?"
• "Where should I keep the inheritance my dad left for my children?"
• "We disagree on who should pay for my mom's plane ticket when she comes to visit"
• "Can we afford a boat?"
• "How do we follow the Baby Steps while putting my husband through school?"
• "Should I invest in real estate before paying off debt?"
• "How do I break the cycle of living paycheck-to-paycheck?"
• "What is a reasonable financial goal after paying off my house?"
• "Am I wrong to feel like my in-laws are enabling my wife?"
• "How can I get ahead in today's economy?"
• "Is it okay to stop tithing to pay off debt?"
• "Should we prioritize a $400k remodel over paying off the mortgage?"
• "I have a $3m net worth but I struggle to spend anything"
• "My husband lost his job 7 months ago and we haven't gotten back on our feet"

Next Steps:

✔️⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠⁠⁠

📱 ⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠ 

💵⁠⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠

📖 Your Total Money Makeover starts here.

🧠 Explore our high school personal finance and new economics curriculum.

🏠 Find a Ramsey Trusted Real Estate Agent

Connect with our Sponsors:

• Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠
• Get 10% off your first month of⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠
• Go to ⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠ to switch today!
• Learn more about⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠
• Get started today with⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠
• Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠
• Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!
• Find top Health Insurance Plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠
• Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠
• Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ today to learn more
• For more information, go to ⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠
• Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠
• Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY
• Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠

⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠

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📈⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠

Dave Ramsey and Ken Coleman answer your questions and discuss:

• "As a single mom of 2, how do I pay off $130,000 of debt?"
• "Should we sell an annuity while in Baby Step 2?"
• "Should we use our stocks to throw $150,000 at the mortgage?"
• "I'm 70 and don't have a will or a trust. Which is the best option?"
• "When should I prioritize starting my own business?"
• "We're receiving $50,000 in cash for our wedding. What should we do with the leftover cash after the wedding?"
• "What do I do with the inheritance my ex-husband left me?"
• "Is rent-to-buy a good way to accelerate home ownership?"
• "Should I file for bankruptcy?"
• "How can I protect my investments from being used for spousal long-term care?"
• "How do I possibly get my wife on the same page when it comes to cutting our expenses?"
• "I lied to my husband about our business's finances until it was too late. How can I make this right with him?"
• "Should I use my 401(k) to do updates to my home before selling it?"
• "I'm 39 and living paycheck-to-paycheck. How do I get out of this?"

Next Steps:

✔️⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠⁠

📱 ⁠Get episodes early in the free Ramsey Network app!⁠ 

💵⁠⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!

🏠 Get organized and prepared to buy or sell a home. ⁠⁠⁠⁠⁠

⛓️‍💥 Tired of debt? Grab Breaking Free From Broke now!

💗 ⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠

Connect with our Sponsors:

• Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠
• Get 10% off your first month of⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠
• Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!
• Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠
• Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠
• Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠
• Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle!
• Find top Health Insurance Plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠
• Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠
• Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more
• For more information, go to ⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠
• Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠
• Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY
• Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠

Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠

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

📈⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠

Jade Warshaw and Rachel Cruze answer your questions and discuss:

• "How do we recover from 2 hurricanes and being sued by credit card companies?"
• "How do we handle debt now that our financial situation has changed?"
• "How can we travel outside of the country without a credit card?"
• "Should I use a $400k settlement to pay off a bankruptcy?"
• "How do I get my husband on board with the Baby Steps?"
• "My 15-year-old daughter is an influencer and has saved $100k for a car. How much should she spend?"
• "Should I pay off my house before retirement?"
• "Was buying a mobile home a mistake?"
• "My husband gave away all of our retirement money in a scam,"
• "Should I pay off my debt before going back to school?"
• "My daughter is paying me back $50k. How do I make sure I'm responsible with this cash coming in?"
• "Can we pay for a honeymoon while on Baby Step 3?"
• "Am I a burden to my husband?"
• "Do I make enough money to move out on my own?"

Next Steps:

🏡 Check out our Mortgage Calculator

✔️⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠

📱 Get episodes early in the free Ramsey Network app! 

📈 For help with investing, get connected with a SmartVestor Pro.

💵⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠

💗 Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville.

Connect with our Sponsors:

• Stop paying more and start shopping smarter at ⁠⁠⁠⁠ALDI⁠⁠⁠⁠
• Get 10% off your first month of⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠
• Go to ⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠ to switch today!
• Learn more about⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠
• Get started today with⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠
• Get 20% off when you join ⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠
• Go to⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠ for an exclusive account bundle!
• Find top Health Insurance Plans at ⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠
• Use code RAMSEY to save 20% at ⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠
• Visit⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠ today to learn more
• For more information, go to ⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠
• Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠
• Get started with ⁠⁠⁠⁠YRefy⁠⁠⁠⁠ or call 844-2-RAMSEY
• Visit⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠

💡 ⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠

💰 ⁠⁠⁠⁠George Kamel⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠

📈 ⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠

Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠

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

📈⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠

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

• "Why is it better to pay off my mortgage early instead of investing $300,000?"
• "Can I do a Roth 401(k) and a Roth IRA at the same time?"
• "I feel stuck between working the Baby Steps and taking care of a sick parent"
• "How do we best invest $100k?"
• "I'm $240k in debt. What is the best way to live below my means?"
• "I owe the IRS $30k. How do I pay this off?"
• "I'm spending $1,400 a month on car payments. How do I get out of this mess?"
• "How much house can I afford?"
• "Should I hold on to savings or pay off $700k in real estate debt?"
• "Am I being stupid by not investing my money?"
• "How do I prevent my kids from feeling left out?"
• "Should I use a HELOC to consolidate my debt?"
• "How do we prepare for our special needs son to be taken care of?"
• "I've been paying on my student loans for 22 years. Should I wait 3 more years for student loan forgiveness?"
• "I'm in business debt due to check fraud..."

Next Steps:

✔️⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠

📱 Get episodes early in the free Ramsey Network app! 

💵⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠

🏠 ⁠⁠Find a Ramsey Trusted Real Estate Agent⁠⁠

📈 Free Tools & Resources to Help You With Investing

⛓️‍💥 ⁠⁠Tired of debt? Grab Breaking Free From Broke now!⁠⁠

Connect with our Sponsors:

• Stop paying more and start shopping smarter at ⁠⁠⁠⁠ALDI⁠⁠⁠⁠
• Get 10% off your first month of⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠
• Go to ⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠ to switch today!
• Learn more about⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠
• Get started today with⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠
• Get 20% off when you join ⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠
• Go to⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠ for an exclusive account bundle!
• Find top Health Insurance Plans at ⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠
• Use code RAMSEY to save 20% at ⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠
• Visit⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠ today to learn more
• For more information, go to ⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠
• Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠
• Get started with ⁠⁠⁠⁠YRefy⁠⁠⁠⁠ or call 844-2-RAMSEY
• Visit⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠

💡 ⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠

💰 ⁠⁠⁠⁠George Kamel⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠

📈 ⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠

Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠

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

📈⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠

Dave Ramsey and Jade Warshaw answer your questions and discuss:

• "How do I navigate $1.8M in debt with no income?"
• "My employment is directly tied to my FICO score. How can I pay off debt and keep a good score?"
• "I'm 51 with no retirement savings and I am currently carrying my daughter's student loans I cosigned on..."
• "Is it too late for a 47-year-old man to find financial peace?"
• "My husband's gambling has us late on our bills. Do I have to go back to work, or can I still be a stay-at-home mom?"
• "Our advisor is telling us to take out a HELOC on our vacation home to invest and supplement our income"
• "How can I convince my wife that we don't need to invest while paying off debt?"
• "How do we navigate family dynamics without seeming like the cheap family?"
• "How do we wisely manage a $100K gift from my parents?"
• "I was recently diagnosed with a rare cancer, how do I get my finances in order?"
• "I'm $400,000 in debt, at what point should I declare bankruptcy?"
• "We're debt-free, can we afford to buy a business?"
• "What's the best way to invest our 15 year old son's earnings?"

Next Steps:

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📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠

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• Visit⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠

💡 ⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠

💰 ⁠⁠⁠⁠George Kamel⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠

📈 ⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠

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📈⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠

Dave Ramsey and Ken Coleman answer your questions and discuss:

• "What's the best way to teach our adopted daughter financial responsibility?"
• "How do I navigate my finances after a divorce?"
• "Can I invest in a side hustle while in Baby Step 2?"
• "Should I pay off my $400,000 business loan?"
• "My parents don't support my dream of becoming a fire fighter..."
• "My husband hid $75,000 of debt from me and won't talk about it. Can our marriage survive this?"
• "We won $1M on a scratch off and wonder what our first steps should be."
• "I'm 26 and drowning in $250,000 of debt, how do I get out of this?"
• "Is it time to call it quits on my business?"
• "I'm my mother's power of attorney, what should I do with her investments?"
• "I'm 64 with $80,000 in retirement and I was just laid off, what do I do next?"
• "Should I refinance my house to build a rental on my property?"
• "Do I keep fighting for my dad’s business or walk away?"
• "The home we purchased is costing more than we anticipated. How do we financially attack this while paying off debt?"

Next Steps:

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📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠

📱 Get episodes early in the free Ramsey Network app! 

💵⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!

📈 For help with investing, get connected with a SmartVestor Pro.⁠⁠⁠⁠

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⛓️‍💥 ⁠⁠Tired of debt? Grab Breaking Free From Broke now!⁠⁠

Connect with our Sponsors:

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• Get started today with⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠
• Get 20% off when you join ⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠
• Go to⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠ for an exclusive account bundle!
• Find top Health Insurance Plans at ⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠
• Use code RAMSEY to save 20% at ⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠
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• For more information, go to ⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠
• Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠
• Get started with ⁠⁠⁠⁠YRefy⁠⁠⁠⁠ or call 844-2-RAMSEY
• Visit⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠

💡 ⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠

💰 ⁠⁠⁠⁠George Kamel⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠

📈 ⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠

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

📈⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠

Dave Ramsey and George Kamel answer your questions and discuss:

• "Could you provide advice to me as a newly sober man who needs to get a handle on his debt?"
• "Is 0% financing better than pulling from my 401(k)?"
• "My parents lied to me about my student loans being paid off. Am I still responsible to pay?"
• "I was misled by my financial advisor. How do I get back on track?"
• "The minimum payments on my student loans don't cover the interest. Should I still do the debt snowball?"
• "Should I take out a loan to consolidate my credit card?"
• "How much should I put down on a second property?"
• "Can we afford for me to stay at home now?"
• "My husband lost $200k day trading. How do I get him to follow the Baby Steps?"
• "I co-signed for my mom's house and now she's behind on her payments. How do I get out of this?"

Next Steps:

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📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠

📱 Get episodes early in the free Ramsey Network app! 

💗 Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville.

⛓️‍💥 ⁠⁠Tired of debt? Grab Breaking Free From Broke now!⁠⁠

💵⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠

Connect with our Sponsors:

• Stop paying more and start shopping smarter at ⁠⁠⁠ALDI⁠⁠⁠
• Get 10% off your first month of⁠⁠⁠ BetterHelp⁠⁠⁠
• Go to ⁠⁠⁠Boost Mobile⁠⁠⁠ to switch today!
• Learn more about⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠
• Get started today with⁠⁠⁠ Churchill Mortgage⁠⁠⁠
• Get 20% off when you join ⁠⁠⁠DeleteMe⁠⁠⁠
• Go to⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠ for an exclusive account bundle!
• Find top Health Insurance Plans at ⁠⁠⁠Health Trust Financial⁠⁠⁠
• Use code RAMSEY to save 20% at ⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠
• Visit⁠⁠⁠ NetSuite⁠⁠⁠ today to learn more
• For more information, go to ⁠⁠⁠SimpliSafe⁠⁠⁠
• Use promo code RAMSEY for 18% off at ⁠⁠⁠The Nokbox⁠⁠⁠
• Get started with ⁠⁠⁠YRefy⁠⁠⁠ or call 844-2-RAMSEY
• Visit⁠⁠⁠ Zander Insurance⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠

🧠 ⁠⁠⁠The Dr. John Delony Show⁠⁠⁠

🍸 ⁠⁠⁠Smart Money Happy Hour⁠⁠⁠

💡 ⁠⁠⁠The Rachel Cruze Show⁠⁠⁠

💰 ⁠⁠⁠George Kamel⁠⁠⁠

🪑 ⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠

📈 ⁠⁠⁠EntreLeadership⁠⁠⁠

⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠

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📈⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠

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

• "How do I start over after my parents stole all of my money?"
• "Should I combine finances going into my second marriage?"
• "I'm a pilot and make purchases in multiple countries in one day. Is a debit card still my best option?"
• "My husband has excluded me from our finances for our entire marriage. Should I exit this relationship?"
• "I'm struggling to keep my bills current. How do I stop living paycheck-to-paycheck?"

Next Steps:

✔️⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠ ⁠send us an email.⁠⁠⁠

💵⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠

🏠 Find a Ramsey Trusted Real Estate Agent

⛓️‍💥 Tired of debt? Grab Breaking Free From Broke now!

🏫 Register for the free FPU Coordinator Rally and enter the $3k giveaway.

Connect with our Sponsors:

• Stop paying more and start shopping smarter at ⁠⁠ALDI⁠⁠
• Get 10% off your first month of⁠⁠ BetterHelp⁠⁠
• Go to ⁠⁠Boost Mobile⁠⁠ to switch today!
• Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠
• Get started today with⁠⁠ Churchill Mortgage⁠⁠
• Get 20% off when you join ⁠⁠DeleteMe⁠⁠
• Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!
• Find top Health Insurance Plans at ⁠⁠Health Trust Financial⁠⁠
• Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠
• Visit⁠⁠ NetSuite⁠⁠ today to learn more
• For more information, go to ⁠⁠SimpliSafe⁠⁠
• Use promo code RAMSEY for 18% off at ⁠⁠The Nokbox⁠⁠
• Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY
• Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠The Ramsey Show Highlights⁠⁠

🧠 ⁠⁠The Dr. John Delony Show⁠⁠

🍸 ⁠⁠Smart Money Happy Hour⁠⁠

💡 ⁠⁠The Rachel Cruze Show⁠⁠

💰 ⁠⁠George Kamel⁠⁠

🪑 ⁠⁠Front Row Seat with Ken Coleman⁠⁠

📈 ⁠⁠EntreLeadership⁠⁠

⁠⁠Ramsey Solutions Privacy Policy⁠⁠

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

📈⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠

Dave Ramsey and Ken Coleman answer your questions and discuss:

• "How do I prepare to raise my child alone?"
• "I regret buying my home. How do I get out of it?"
• "I took out life insurance and didn't pay for 25 years..."
• "How do I work through the Baby Steps if I'm already a millionaire?"
• "How do I sell my share of a home I own with my family?"

Next Steps:

✔️⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠ ⁠send us an email.⁠⁠⁠

💵⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!

💲Your Total Money Makeover starts here.

❤️‍🩹 Get trusted insurance coverage that fits your budget.

☀️ Shop the summer Black Friday sale now!

Connect with our Sponsors:

• Stop paying more and start shopping smarter at ⁠⁠ALDI⁠⁠
• Get 10% off your first month of⁠⁠ BetterHelp⁠⁠
• Go to ⁠⁠Boost Mobile⁠⁠ to switch today!
• Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠
• Get started today with⁠⁠ Churchill Mortgage⁠⁠
• Get 20% off when you join ⁠⁠DeleteMe⁠⁠
• Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!
• Find top Health Insurance Plans at ⁠⁠Health Trust Financial⁠⁠
• Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠
• Visit⁠⁠ NetSuite⁠⁠ today to learn more
• For more information, go to ⁠⁠SimpliSafe⁠⁠
• Use promo code RAMSEY for 18% off at ⁠⁠The Nokbox⁠⁠
• Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY
• Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠The Ramsey Show Highlights⁠⁠

🧠 ⁠⁠The Dr. John Delony Show⁠⁠

🍸 ⁠⁠Smart Money Happy Hour⁠⁠

💡 ⁠⁠The Rachel Cruze Show⁠⁠

💰 ⁠⁠George Kamel⁠⁠

🪑 ⁠⁠Front Row Seat with Ken Coleman⁠⁠

📈 ⁠⁠EntreLeadership⁠⁠

⁠⁠Ramsey Solutions Privacy Policy⁠⁠

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

📈⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠

Dave Ramsey and Rachel Cruze answer your questions and discuss:

• "How do I get my adult children to become financially independent?"
• "I'm $200,000 in debt, should I file for bankruptcy?"
• "I'm worried about my fiancé's out-of-control spending."
• "My husband and I disagree on whether we should help our kid financially..."

Next Steps:

✔️⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠ ⁠send us an email.⁠⁠⁠

💵⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!

💸 Register for the free FPU Coordinator Rally and enter the $3k giveaway.

🏠 Find a Ramsey Trusted Real Estate Agent

Connect with our Sponsors:

• Stop paying more and start shopping smarter at ⁠⁠ALDI⁠⁠
• Get 10% off your first month of⁠⁠ BetterHelp⁠⁠
• Go to ⁠⁠Boost Mobile⁠⁠ to switch today!
• Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠
• Get started today with⁠⁠ Churchill Mortgage⁠⁠
• Get 20% off when you join ⁠⁠DeleteMe⁠⁠
• Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!
• Find top Health Insurance Plans at ⁠⁠Health Trust Financial⁠⁠
• Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠
• Visit⁠⁠ NetSuite⁠⁠ today to learn more
• For more information, go to ⁠⁠SimpliSafe⁠⁠
• Use promo code RAMSEY for 18% off at ⁠⁠The Nokbox⁠⁠
• Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY
• Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠The Ramsey Show Highlights⁠⁠

🧠 ⁠⁠The Dr. John Delony Show⁠⁠

🍸 ⁠⁠Smart Money Happy Hour⁠⁠

💡 ⁠⁠The Rachel Cruze Show⁠⁠

💰 ⁠⁠George Kamel⁠⁠

🪑 ⁠⁠Front Row Seat with Ken Coleman⁠⁠

📈 ⁠⁠EntreLeadership⁠⁠

⁠⁠Ramsey Solutions Privacy Policy⁠⁠

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

📈⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠

Dave Ramsey and George Kamel answer your questions and discuss:

• "How do I do the Baby Steps when I can't trust my husband to commit to the plan?"
• Dave Ramsey breaks down Trump's Big Beautiful Bill (what you need to know),
• "How does escrow work and why is there always a shortage in our account?"
• "How can I find a legit online side hustle that isn't a scam?"
• "We're millionaires but we still live like we are in poverty. How do we make the switch to start spending more?"
• "I am in the middle of Baby Step 2 and I want to give up"
• "Do we keep money invested in a brokerage account or use it for a rental property we own?"
• "What's the best way to tackle $125,000 of debt with my high income?"
• "Are we stuck paying income tax on income from my husband's band?"
• "I'm a single mom and just received a large inheritance. How can I best use this money for my son and me?"
• "How do I tell my dad I don't want to buy a home with him?"
• "Should we take out a seven figure loan to expand our dental practice?"
• "My company doesn't offer a 401(k). What should I do to invest for retirement?"

Next Steps:

✔️⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠ ⁠send us an email.⁠⁠

💵⁠ ⁠Start your free budget today. Download the EveryDollar app!

🏠 ⁠Get organized and prepared to buy or sell a home.

📖 Buy 1 Book, Get 1 Half Off!

Connect with our Sponsors:

• Stop paying more and start shopping smarter at ⁠ALDI⁠
• Get 10% off your first month of⁠ BetterHelp⁠
• Go to ⁠Boost Mobile⁠ to switch today!
• Learn more about⁠ Christian Healthcare Ministries⁠
• Get started today with⁠ Churchill Mortgage⁠
• Get 20% off when you join ⁠DeleteMe⁠
• Go to⁠ FAIRWINDS Credit Union⁠ for an exclusive account bundle!
• Find top Health Insurance Plans at ⁠Health Trust Financial⁠
• Use code RAMSEY to save 20% at ⁠Mama Bear Legal Forms⁠
• Visit⁠ NetSuite⁠ today to learn more
• For more information, go to ⁠SimpliSafe⁠
• Use promo code RAMSEY for 18% off at ⁠The Nokbox⁠
• Get started with ⁠YRefy⁠ or call 844-2-RAMSEY
• Visit⁠ Zander Insurance⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠The Ramsey Show Highlights⁠

🧠 ⁠The Dr. John Delony Show⁠

🍸 ⁠Smart Money Happy Hour⁠

💡 ⁠The Rachel Cruze Show⁠

💰 ⁠George Kamel⁠

🪑 ⁠Front Row Seat with Ken Coleman⁠

📈 ⁠EntreLeadership⁠

⁠Ramsey Solutions Privacy Policy⁠

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

📈 ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠

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

• "How can I explain to my girlfriend that if she moves in with me, I can pay down debt faster?"
• "I have been paying on my car since 2017, but I owe more now than the original purchase price. How is this happening?"
• "I am $280,000 in debt on business credit cards, should I file for bankruptcy?"
• "Should we buy our car that was totaled by the insurance company?"
• "Should I move into the parsonage for my church?"
• "Should I get solar panels now before the tax credits expire due to the 'Big Beautiful Bill'?"
• "I'm being sued by my mom's ex-landlord, should I be worried?"
• "Where should my family invest our nest egg?"
• "Should I cancel my universal index policy?"
• "How much can I spend on travel while in retirement?"
• "How do I adjust as a newly single mom?"
• "How can I get more income while I'm on workers' comp?"
• "How do we structure a prenup? My fiancé's family is crazy and I don’t want them to have access to my inheritance"

Next Steps:

✔️ ⁠Help us make the show better. Please take this short survey.⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠send us an email.⁠

💵 ⁠Start your free budget today. Download the EveryDollar app!

📖 Buy 1 Book, Get 1 Half Off!

❤️‍🩹 Get trusted insurance coverage that fits your budget.

Connect with our Sponsors:

• Stop paying more and start shopping smarter at ALDI
• Get 10% off your first month of BetterHelp
• Go to Boost Mobile to switch today!
• Learn more about Christian Healthcare Ministries
• Get started today with Churchill Mortgage
• Get 20% off when you join DeleteMe
• Go to FAIRWINDS Credit Union for an exclusive account bundle!
• Find top Health Insurance Plans at Health Trust Financial
• Use code RAMSEY to save 20% at Mama Bear Legal Forms
• Visit NetSuite today to learn more
• For more information, go to SimpliSafe
• Use promo code RAMSEY for 18% off at The Nokbox
• Get started with YRefy or call 844-2-RAMSEY
• Visit Zander Insurance for your free instant quote today! 

Explore more from Ramsey Network:

💸 The Ramsey Show Highlights

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

💡 The Rachel Cruze Show

💰 George Kamel

🪑 Front Row Seat with Ken Coleman

📈 EntreLeadership

Ramsey Solutions Privacy Policy

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

🔗⁠⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠⁠

George Kamel and Ken Coleman answer your questions and discuss:

• "Can someone tell me that I need to stop trading and focus on debt repayment?"
• "How can we keep the IRS from taking my grandmother's retirement funds?"
• "We bought land with family. Should we build a house on it?"
• "How do I attract clients for my business?"
• "Should I pay off my low interest rate mortgage?"
• "We are losing more in fees on our universal life policy than we put in"
• "We moved in with my in-laws to save for a down payment. Was that a wise decision?"
• "How do I talk to debt collectors about settling?"
• "Should I sell my crypto to pay off debt?"
• "How do I combine finances with my wife?"

Next Steps: ✔️⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠⁠ 

📱 ⁠Get episodes early in the free Ramsey Network app!⁠ 

📈⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠

💵⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!

🛍️ 5 Days. Different Deals Daily. Shop Summer Black Friday!⁠⁠⁠⁠⁠

🛡️⁠Get trusted insurance coverage that fits your budget.⁠

Connect with our Sponsors:

• Stop paying more and start shopping smarter at ⁠ALDI⁠
• Get 10% off your first month of⁠ BetterHelp⁠
• Go to ⁠Boost Mobile⁠ to switch today!
• Learn more about⁠ Christian Healthcare Ministries⁠
• Get started today with⁠ Churchill Mortgage⁠
• Get 20% off when you join ⁠DeleteMe⁠
• Go to⁠ FAIRWINDS Credit Union⁠ for an exclusive account bundle!
• Find top Health Insurance Plans at ⁠Health Trust Financial⁠
• Use code RAMSEY to save 20% at ⁠Mama Bear Legal Forms⁠
• Visit⁠ NetSuite⁠ today to learn more
• For more information, go to ⁠SimpliSafe⁠
• Use promo code RAMSEY for 18% off at ⁠The Nokbox⁠
• Get started with ⁠YRefy⁠ or call 844-2-RAMSEY
• Visit⁠ Zander Insurance⁠ for your free instant quote today!

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠

⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠

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🔗⁠⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠⁠

Rachel Cruze and Ken Coleman answer your questions and discuss:

• "Can a future employer find out that I lied about a bankruptcy on my application?"
• "My wife wants me to borrow money from my family to buy a car..."
• "Should we downsize our animals to help get through Baby step 2? "
• "Can I be a stay-at-home mom while we're paying off debt?"
• "What can I do about an eviction notice?"
• "How do I get my husband to be more gazelle intense?"
• "What should I do with my home after I move in with my boyfriend?"
• "How do I explain charging rent to my kids?"
• "My husband's new job expenses are $1,000 a week. How do we plan for this?"
• "How do we balance being generous without enabling our children by giving them too much?"

Next Steps: ✔️⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠⁠ 

📱 ⁠Get episodes early in the free Ramsey Network app!⁠ 

📈⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠

💵⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠

🎒 Explore our high school personal finance and new economics curriculum.

🤝 Find a Ramsey Trusted Real Estate Agent

Connect with our Sponsors:

• Stop paying more and start shopping smarter at ⁠ALDI⁠
• Get 10% off your first month of⁠ BetterHelp⁠
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• Get 20% off when you join ⁠DeleteMe⁠
• Go to⁠ FAIRWINDS Credit Union⁠ for an exclusive account bundle!
• Find top Health Insurance Plans at ⁠Health Trust Financial⁠
• Use code RAMSEY to save 20% at ⁠Mama Bear Legal Forms⁠
• Visit⁠ NetSuite⁠ today to learn more
• For more information, go to ⁠SimpliSafe⁠
• Use promo code RAMSEY for 18% off at ⁠The Nokbox⁠
• Get started with ⁠YRefy⁠ or call 844-2-RAMSEY
• Visit⁠ Zander Insurance⁠ for your free instant quote today!

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠

⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠

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🔗⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠⁠⁠

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

• "Should I stop dating someone because of their financial instability?"
• "Should I leverage a rental property in order to acquire a business?"
• "Should I take on a part-time job in college or just focus on school?"
• "How do I prioritize financial goals as new college graduate"
• "Should I take a new job with no benefits that doubles my salary?"
• "How do we settle my fiancée's tax issues from her prior marriage?"
• "Should we uproot our family to move back to our original home for cheaper housing?"
• "Should we sell all our rental properties to pay off our mortgage?"
• "Should single women in their 20s buy homes?"
• "What do we do with the money we received after my son's tragic death?"
• "My wife and I don't agree on following the Baby Steps exactly"
• "How do I prepare for a lapse in medical coverage for my family?"
• "How do I pay off $120,000 of debt if I only make $70,000 a year?"
• "How do I handle having a committed relationship when my divorce decree prevents me from remarrying?"

Next Steps: ✔️⁠⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠⁠⁠ 

📱 ⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠ 

📈⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠⁠

💵⁠⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠

⛓️‍💥 Tired of debt? Grab Breaking Free From Broke now!

🏠 Get organized and prepared to buy or sell a home.

Connect with our Sponsors:

• Stop paying more and start shopping smarter at ⁠⁠ALDI⁠⁠
• Get 10% off your first month of⁠⁠ BetterHelp⁠⁠
• Go to ⁠⁠Boost Mobile⁠⁠ to switch today!
• Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠
• Get started today with⁠⁠ Churchill Mortgage⁠⁠
• Get 20% off when you join ⁠⁠DeleteMe⁠⁠
• Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!
• Find top Health Insurance Plans at ⁠⁠Health Trust Financial⁠⁠
• Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠
• Visit⁠⁠ NetSuite⁠⁠ today to learn more
• For more information, go to ⁠⁠SimpliSafe⁠⁠
• Use promo code RAMSEY for 18% off at ⁠⁠The Nokbox⁠⁠
• Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY
• Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today!

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠

⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠

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

🔗⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠

Dave Ramsey and George Kamel answer your questions and discuss:

• "How do I navigate refusing a large monetary gift from family due to cultural expectations?"
• "I'm about to take on $200,000 of student loans, how do I begin to pay this off?"
• "Dave, have you gone soft on Crypto?"
• "I'm worried that if I buy a car right now, it will jeopardize my ability to get a home loan"
• "How do I support my household on my own when my husband doesn't work?"
• "Should I take the buyout or the monthly payments for my pension?"
• "How do I ask my boss for a raise?"
• "Should I take out a HELOC for home repairs?"
• "Should I re-enter the workforce if it means that I will be away from my friends and family more?"
• "Is it okay to not buy a home for a couple of years while living in a foreign country?"
• "My husband says I'm financially abusive, is he right?"
• "Can I go on vacation while I am saving for a house?"
• "How do I improve my credit score so I can get balance transfer credit cards?"

Next Steps: ✔️⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠ 

📱 Get episodes early in the free Ramsey Network app! 

📈⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠

❤️‍🩹 Get trusted insurance coverage that fits your budget.

⁠⁠⁠⁠📖 Your Total Money Makeover starts here.

💵⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠

Connect with our Sponsors:

• Stop paying more and start shopping smarter at ALDI
• Get 10% off your first month of BetterHelp
• Go to Boost Mobile to switch today!
• Learn more about Christian Healthcare Ministries
• Get started today with Churchill Mortgage
• Get 20% off when you join DeleteMe
• Go to FAIRWINDS Credit Union for an exclusive account bundle!
• Find top Health Insurance Plans at Health Trust Financial
• Use code RAMSEY to save 20% at Mama Bear Legal Forms
• Visit NetSuite today to learn more
• For more information, go to SimpliSafe
• Use promo code RAMSEY for 18% off at The Nokbox
• Get started with YRefy or call 844-2-RAMSEY
• Visit Zander Insurance for your free instant quote today!

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠

💡 ⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠

💰 ⁠⁠⁠⁠George Kamel⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠

📈 ⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠

⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠

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

🔗⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠

Ken Coleman and Rachel Cruze answer your questions and discuss:

• "I'm $60,000 in debt, I just lost my job and I have no savings. How do I get out of this mess?"
• "I blew through a $120,000 settlement and now I don't have anything in savings or retirement..."
• "Does giving up my hobbies for my kids teach them the wrong message about chasing your dreams?"
• "We don't know who to trust when it comes to knowing how much we can pull from our retirement accounts."
• "I keep blowing through several line items in our budget and now my husband is frustrated with me."
• "I want to sell our home but my wife doesn't. How can we come to an agreement on this?"
• "Is it okay for my husband to become a stay-at-home dad?"
• "I am $21,000 in debt and am struggling, I can't figure out how to budget."
• "Should I sell my purse collection to get out of debt?"
• "Should I short sale my home?"

Next Steps:

✔️⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠ 

📱 Get episodes early in the free Ramsey Network app! 

📈⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠⁠⁠⁠

💵⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠

🏠 Find a Ramsey Trusted Real Estate Agent

⛓️‍💥 Tired of debt? Grab Breaking Free From Broke now!

Connect with our Sponsors:

• Stop paying more and start shopping smarter at ⁠⁠⁠⁠ALDI⁠⁠⁠⁠
• Get 10% off your first month of⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠
• Go to ⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠ to switch today!
• Learn more about⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠
• Get started today with⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠
• Get 20% off when you join ⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠
• Go to⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠ for an exclusive account bundle!
• Save 15% on your first ⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠ order with code RAMSEY
• Find top Health Insurance Plans at ⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠
• Use code RAMSEY to save 20% at ⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠
• Visit⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠ today to learn more
• Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠
• Get started with ⁠⁠⁠⁠YRefy⁠⁠⁠⁠ or call 844-2-RAMSEY
• Visit⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠

💡 ⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠

💰 ⁠⁠⁠⁠George Kamel⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠

📈 ⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠

⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠

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

🔗⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠

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

• 'Should I leave my husband because he refuses to disclose his finances to me?'
• 'I am $2.1 million in debt, how do we possibly recover from this?'
• 'My in-laws are not doing well financially and my husband wants to help them.'
• 'Should I help pay for renovations on my boyfriend’s mother’s home?'
• 'How can I be a great husband when my future wife will earn significantly more than me?'

Next Steps:

✔️⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠ ⁠send us an email.⁠⁠⁠ 

📱 Get episodes early in the free Ramsey Network app! 

📈⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠

🎓 Help them find their next step. Get Find the Work You’re Wired to Do: Student Edition today! ⁠⁠

💵⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠

💲 Buy 1 Book, Get 1 Half Off!

🏠 Get organized and prepared to buy or sell a home.

Connect with our Sponsors:

• Stop paying more and start shopping smarter at ⁠⁠ALDI⁠⁠
• Get 10% off your first month of⁠⁠ BetterHelp⁠⁠
• Go to ⁠⁠Boost Mobile⁠⁠ to switch today!
• Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠
• Get started today with⁠⁠ Churchill Mortgage⁠⁠
• Get 20% off when you join ⁠⁠DeleteMe⁠⁠
• Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!
• Save 15% on your first ⁠⁠Field of Greens⁠⁠ order with code RAMSEY
• Find top Health Insurance Plans at ⁠⁠Health Trust Financial⁠⁠
• Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠
• Visit⁠⁠ NetSuite⁠⁠ today to learn more
• Use promo code RAMSEY for 18% off at ⁠⁠The Nokbox⁠⁠
• Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY
• Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠The Ramsey Show Highlights⁠⁠

🧠 ⁠⁠The Dr. John Delony Show⁠⁠

🍸 ⁠⁠Smart Money Happy Hour⁠⁠

💡 ⁠⁠The Rachel Cruze Show⁠⁠

💰 ⁠⁠George Kamel⁠⁠

🪑 ⁠⁠Front Row Seat with Ken Coleman⁠⁠

📈 ⁠⁠EntreLeadership⁠⁠

⁠⁠Ramsey Solutions Privacy Policy⁠⁠

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

Rachel Cruze & Jade Warshaw answer your questions and discuss:

• My husband is very controlling with the budget.

• We owe more than $85K in credit card debt.

• I hate living in California and my job sucks

• Should guests pay for meals at our wedding?

• I owe $2.5M on rental properties

• Should I use a debt consolidation company?

Next Steps:

✅ ⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠ 

📈 ⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠

✔️ ⁠⁠⁠⁠⁠Help us make the show better. Please take this short survey⁠⁠⁠

📱 ⁠⁠⁠Download the free Ramsey Network app! ⁠⁠⁠

🏠 ⁠⁠⁠Get organized and prepared to buy or sell a home.

📙 Tired of debt? Grab Breaking Free From Broke now!

📖 Your Total Money Makeover starts here.

Connect with our Sponsors:

• Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠
• Get 10% off your first month of⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠
• Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!
• Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠
• Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠
• Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠
• Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle!
• Save 15% on your first ⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠ order with code RAMSEY
• Find top Health Insurance Plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠
• Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠
• Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more
• Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠The Nokbox
• For more information, go to SimpliSafe
• Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY
• Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠

⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy

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

Ken Coleman & Jade Warshaw answer your questions and discuss:

• ‘Finding a girl that likes me and not my money'

• 'I don't see a way out of my debt.'

• 'My wife doesn't want to give up her horse'

• 'What's the best way to start a business?'

• 'I work full time but I still feel broke.'

• 'Should I invest in farm land?'

Next Steps:

✅ ⁠⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠⁠send us an email.⁠⁠⁠⁠⁠ 

📈 ⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠

✔️ ⁠⁠⁠⁠⁠Help us make the show better. Please take this short survey⁠⁠⁠

📱 ⁠⁠⁠Download the free Ramsey Network app! ⁠⁠⁠

🎆 Buy 1 Book, Get 1 Half Off!

🛡️Get trusted insurance coverage that fits your budget.

Connect with our Sponsors:

• Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠
• Get 10% off your first month of⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠
• Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!
• Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠
• Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠
• Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠
• Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ for an exclusive account bundle!
• Save 15% on your first ⁠⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠⁠ order with code RAMSEY
• Find top Health Insurance Plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠
• Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠
• Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ today to learn more
• Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠The Nokbox
• For more information, go to SimpliSafe
• Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY
• Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠

⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy

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

🔗⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠

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

• "How do we manage an inheritance when one of the siblings is an addict?"
• "My ex-husband who wants me to give up my spousal support..."
• "Should I switch to working full-time because I have more earning potential than my husband?"
• "I was left with nothing after my divorce and now I'm living off credit cards..."
• "How do I not resent my boyfriend for not proposing?"
• "Is crypto currency going to replace the U.S. dollar?"

Next Steps:

✔️⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠ 

📱 Get episodes early in the free Ramsey Network app! 

📈⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠⁠

👩‍❤️‍💋‍👨 Get tickets for Money & Marriage Getaway

💵⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠

💲 Buy 1 Book, Get 1 Half Off!

⛓️‍💥 Tired of debt? Grab Breaking Free From Broke now!

❤️‍🩹 Get trusted insurance coverage that fits your budget.

📖 Your Total Money Makeover starts here.

Connect with our Sponsors:

• Stop paying more and start shopping smarter at ⁠⁠⁠ALDI⁠⁠⁠
• Get 10% off your first month of⁠⁠⁠ BetterHelp⁠⁠⁠
• Go to ⁠⁠⁠Boost Mobile⁠⁠⁠ to switch today!
• Learn more about⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠
• Get started today with⁠⁠⁠ Churchill Mortgage⁠⁠⁠
• Get 20% off when you join ⁠⁠⁠DeleteMe⁠⁠⁠
• Go to⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠ for an exclusive account bundle!
• Save 15% on your first ⁠⁠⁠Field of Greens⁠⁠⁠ order with code RAMSEY
• Find top Health Insurance Plans at ⁠⁠⁠Health Trust Financial⁠⁠⁠
• Use code RAMSEY to save 20% at ⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠
• Visit⁠⁠⁠ NetSuite⁠⁠⁠ today to learn more
• Use promo code RAMSEY for 18% off at ⁠⁠⁠The Nokbox
• For more information, go to SimpliSafe
• Get started with ⁠⁠⁠YRefy⁠⁠⁠ or call 844-2-RAMSEY
• Visit⁠⁠⁠ Zander Insurance⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠

🧠 ⁠⁠⁠The Dr. John Delony Show⁠⁠⁠

🍸 ⁠⁠⁠Smart Money Happy Hour⁠⁠⁠

💡 ⁠⁠⁠The Rachel Cruze Show⁠⁠⁠

💰 ⁠⁠⁠George Kamel⁠⁠⁠

🪑 ⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠

📈 ⁠⁠⁠EntreLeadership⁠⁠⁠

⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠

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

🔗⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠

Rachel Cruze and George Kamel answer your questions and discuss:

• 'How can I get my wife to stay on budget?'
• 'How do I pay off my loans if I can't find work?'
• 'My boyfriend wants to keep separate finances when we get married'
• 'Should I buy a Tesla even if it might put me back financially?'
• 'I co-signed a loan with my brother-in-law. How do I get out of this?'
• 'We bought a house from a family member and they don't want us to pay off the house early'

Next Steps:

✔️⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠ 

📱 Get episodes early in the free Ramsey Network app! 

📈⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠

🛡️Get trusted insurance coverage that fits your budget.

📊 For help with investing, get connected with a SmartVestor Pro.

💵⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠

🏠 Find a Ramsey Trusted Real Estate Agent

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• Go to⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠ for an exclusive account bundle!
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• Visit⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠

💡 ⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠

💰 ⁠⁠⁠⁠George Kamel⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠

📈 ⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠

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🔗⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠

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

• "How do I overcome a spending addiction?"
• "My husband controls all of our money..."
• Why you shouldn't payoff someone else's debts.
• Protecting yourself and your money from scammers!
• "Should I take my son out of my will?"

Next Steps:

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📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠send us an email.⁠⁠⁠⁠ 

📈 ⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠

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📊 Free Tools & Resources to Help You With Investing

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💗 Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville.

Connect with our Sponsors:

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• Learn more about⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠
• Get started today with⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠
• Get 20% off when you join ⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠
• Go to⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠ for an exclusive account bundle!
• Save 15% on your first ⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠ order with code RAMSEY
• Find top Health Insurance Plans at ⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠
• To find out more about student loan refinancing, check out⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠
• Use code RAMSEY to save 20% at ⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠
• Visit⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠ today to learn more
• Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠
• Learn more about ⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠
• Get started with ⁠⁠⁠⁠YRefy⁠⁠⁠⁠ or call 844-2-RAMSEY
• Visit⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠

💡 ⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠

💰 ⁠⁠⁠⁠George Kamel⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠

📈 ⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠

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🔗⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠

Ken Coleman and George Kamel answer your questions and discuss:

• "What should I do with the house I bought with my ex?"
• "I'm 100K in debt, lost my job, and my girlfriend cheated on me..."
• "Should I let everything go to collections?"
• "Should I lend or gift money to our adult son?"
• "My husband stopped paying debt; how do I recover?"

Next Steps:

✅ ⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠send us an email.⁠⁠⁠⁠ 

📈 ⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠

✔️ ⁠⁠⁠⁠Help us make the show better. Please take this short survey⁠⁠

📱 ⁠⁠Download the free Ramsey Network app! ⁠⁠

💵 ⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠

🏠 ⁠⁠Get organized and prepared to buy or sell a home. ⁠⁠

📊 Free Tools & Resources to Help You With Investing

📖 Ready to break free from debt? Grab George Kamel’s Breaking Free From Broke now!

🛡️Protect yourself with trusted insurance coverage that fits your budget

🎓 Help them find their next step. Get Find the Work You’re Wired to Do: Student Edition today!

Connect with our Sponsors:

• Stop paying more and start shopping smarter at ⁠⁠⁠⁠ALDI⁠⁠⁠⁠
• Get 10% off your first month of⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠
• Go to ⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠ to switch today!
• Learn more about⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠
• Get started today with⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠
• Get 20% off when you join ⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠
• Go to⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠ for an exclusive account bundle!
• Save 15% on your first ⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠ order with code RAMSEY
• Find top Health Insurance Plans at ⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠
• To find out more about student loan refinancing, check out⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠
• Use code RAMSEY to save 20% at ⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠
• Visit⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠ today to learn more
• Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠
• Learn more about ⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠
• Get started with ⁠⁠⁠⁠YRefy⁠⁠⁠⁠ or call 844-2-RAMSEY
• Visit⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠

💡 ⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠

💰 ⁠⁠⁠⁠George Kamel⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠

📈 ⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠

Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠

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

🔗⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠

George Kamel and Jade Warshaw answer your questions and discuss:

• "How do we prioritize necessary home repairs while paying off debt?"
• "How do I deal with a credit card company that is refusing to negotiate with me?"
• "Should I borrow money from my cousin to start a business?"
• "Can I pay off my largest debt first?"
• "How do I close a business that has been in my family for 40 years?"
• "How do I stop my parents from "loaning" money to their granddaughter?"
• "Should we downsize to a trailer to save money?"
• "Am I proposing too soon financially?"
• "I'm 61 years old, still in debt, and have nothing saved for retirement..."

Next Steps:

✅ ⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠send us an email.⁠⁠⁠⁠ 

📈 ⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠

✔️ ⁠⁠⁠⁠Help us make the show better. Please take this short survey⁠⁠

📱 ⁠⁠Download the free Ramsey Network app! ⁠⁠

💵 ⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠

💗 Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville.

📊 Free Tools & Resources to Help You With Investing

Connect with our Sponsors:

• Stop paying more and start shopping smarter at ⁠⁠⁠⁠ALDI⁠⁠⁠⁠
• Get 10% off your first month of⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠
• Go to ⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠ to switch today!
• Learn more about⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠
• Get started today with⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠
• Get 20% off when you join ⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠
• Go to⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠ for an exclusive account bundle!
• Save 15% on your first ⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠ order with code RAMSEY
• Find top Health Insurance Plans at ⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠
• To find out more about student loan refinancing, check out⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠
• Use code RAMSEY to save 20% at ⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠
• Visit⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠ today to learn more
• Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠
• Learn more about ⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠
• Get started with ⁠⁠⁠⁠YRefy⁠⁠⁠⁠ or call 844-2-RAMSEY
• Visit⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠

💡 ⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠

💰 ⁠⁠⁠⁠George Kamel⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠

📈 ⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠

Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠

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

🔗⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠

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

• "How should I help my son who's going through rehab again?"
• "My financial advisor is telling me to not pay off my debt. I don't trust him, what should I do?"
• "Why do you promote giving money away in Baby Step 7? Isn't that the opposite of building wealth?"
• "I keep losing jobs and now I'm drowning in debt. How do I move on from here?"
• "I'm worried it's too late for me to save enough for retirement..."
• "How do I get rid of my credit score?"
• "Should I buy a car that doesn’t make financial sense?"
• "Can I afford a trip to Las Vegas to see Dolly Parton?"
• "A third of my income goes to debt payments, how can I get ahead?"
• "How do I handle entering a marriage with debt without feeling guilty for bringing my fiancé down?"
• "I manage a $4 million dollar portfolio, what should I say to everyone that keeps asking for money?"

Next Steps:

✅ ⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠send us an email.⁠⁠⁠⁠ 

📈 ⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠

✔️ ⁠⁠⁠⁠Help us make the show better. Please take this short survey⁠⁠

📱 ⁠⁠Download the free Ramsey Network app! ⁠⁠

💵 ⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠

📊 Free Tools & Resources to Help You With Investing

🏠 ⁠⁠Get organized and prepared to buy or sell a home. ⁠⁠

📖 Ready to break free from debt? Grab George Kamel’s Breaking Free From Broke now!

Connect with our Sponsors:

• Stop paying more and start shopping smarter at ⁠⁠⁠⁠ALDI⁠⁠⁠⁠
• Get 10% off your first month of⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠
• Go to ⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠ to switch today!
• Learn more about⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠
• Get started today with⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠
• Get 20% off when you join ⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠
• Go to⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠ for an exclusive account bundle!
• Save 15% on your first ⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠ order with code RAMSEY
• Find top Health Insurance Plans at ⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠
• To find out more about student loan refinancing, check out⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠
• Use code RAMSEY to save 20% at ⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠
• Visit⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠ today to learn more
• Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠
• Learn more about ⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠
• Get started with ⁠⁠⁠⁠YRefy⁠⁠⁠⁠ or call 844-2-RAMSEY
• Visit⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠

💡 ⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠

💰 ⁠⁠⁠⁠George Kamel⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠

📈 ⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠

Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠

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

🔗⁠⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠⁠

Ken Coleman and Jade Warshaw answer your questions and discuss:

• "We have $340,000 of debt, how do we get out of this?"
• "I'm about to be laid off, should I find another job or just retire?"
• "How much can I spend now without hurting my future self?"
• "My mom told me I'm her retirement plan. How do I tell her I can't do this?"
• "How do I control my husband's spending when we have separate finances?"
• "I had a stroke and it wiped out all my money and now I'm about to be homeless. What do I do in this situation?"
• "I just found out my fiancée has $65,000 of debt. Should I help her pay it off now?"

Next Steps:

✅ ⁠⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠⁠send us an email.⁠⁠⁠⁠ 

📈 ⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠

✔️ ⁠⁠⁠⁠Help us make the show better. Please take this short survey⁠⁠

📱 Get episodes early in the free Ramsey Network app! 

🎟️ Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville.

📖 Ready to break free from debt? Grab George Kamel’s Breaking Free From Broke now!

💵 ⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠

🛡️Protect yourself with trusted insurance coverage that fits your budget

Connect with our Sponsors:

• Stop paying more and start shopping smarter at ⁠⁠⁠⁠ALDI⁠⁠⁠⁠
• Get 10% off your first month of⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠
• Go to ⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠ to switch today!
• Learn more about⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠
• Get started today with⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠
• Get 20% off when you join ⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠
• Go to⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠ for an exclusive account bundle!
• Save 15% on your first ⁠⁠⁠⁠Field of Greens⁠⁠⁠⁠ order with code RAMSEY
• Find top Health Insurance Plans at ⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠
• To find out more about student loan refinancing, check out⁠⁠⁠⁠ Laurel Road⁠⁠⁠⁠
• Use code RAMSEY to save 20% at ⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠
• Visit⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠ today to learn more
• Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠
• Learn more about ⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠
• Get started with ⁠⁠⁠⁠YRefy⁠⁠⁠⁠ or call 844-2-RAMSEY
• Visit⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠

💡 ⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠

💰 ⁠⁠⁠⁠George Kamel⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠

📈 ⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠

⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠

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

🔗⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠

George Kamel and Jade Warshaw answer your questions and discuss:

• "How do I protect myself from my husband's gambling addiction?"
• "Should I pay off my sisters' student loans with my inheritance?"
• "I want to pay off debt but my wife doesn't. What should we do?"
• "Should I sell the family property that was gifted to me?"
• "How do we pay off debt when I can't get a job?"
• "Should I help my mom buy a vacation home?"
• "I know nothing about investing. Where do I start?"
• "My family is going through a crisis. Should I adjust my estate plan?"
• "How do my sisters and I navigate splitting up the home and land we inherited?"

Next Steps:

✅ ⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠send us an email.⁠⁠⁠ 

📈 ⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠

✔️ ⁠⁠⁠Help us make the show better. Please take this short survey⁠

📱 ⁠Download the free Ramsey Network app! ⁠

💵 ⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠

❤️‍🩹 ⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠

🏠 ⁠Get organized and prepared to buy or sell a home. ⁠

🛡️Learn more about how to protect yourself from identify theft

Connect with our Sponsors:

• Stop paying more and start shopping smarter at ⁠⁠⁠ALDI⁠⁠⁠
• Get 10% off your first month of⁠⁠⁠ BetterHelp⁠⁠⁠
• Go to ⁠⁠⁠Boost Mobile⁠⁠⁠ to switch today!
• Learn more about⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠
• Get started today with⁠⁠⁠ Churchill Mortgage⁠⁠⁠
• Get 20% off when you join ⁠⁠⁠DeleteMe⁠⁠⁠
• Go to⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠ for an exclusive account bundle!
• Save 15% on your first ⁠⁠⁠Field of Greens⁠⁠⁠ order with code RAMSEY
• Find top Health Insurance Plans at ⁠⁠⁠Health Trust Financial⁠⁠⁠
• To find out more about student loan refinancing, check out⁠⁠⁠ Laurel Road⁠⁠⁠
• Use code RAMSEY to save 20% at ⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠
• Visit⁠⁠⁠ NetSuite⁠⁠⁠ today to learn more
• Use promo code RAMSEY for 18% off at ⁠⁠⁠The Nokbox⁠⁠⁠
• Learn more about ⁠⁠⁠Timothy Plan⁠⁠⁠
• Get started with ⁠⁠⁠YRefy⁠⁠⁠ or call 844-2-RAMSEY
• Visit⁠⁠⁠ Zander Insurance⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠

🧠 ⁠⁠⁠The Dr. John Delony Show⁠⁠⁠

🍸 ⁠⁠⁠Smart Money Happy Hour⁠⁠⁠

💡 ⁠⁠⁠The Rachel Cruze Show⁠⁠⁠

💰 ⁠⁠⁠George Kamel⁠⁠⁠

🪑 ⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠

📈 ⁠⁠⁠EntreLeadership⁠⁠⁠

⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠

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🔗⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠

Dave Ramsey and Ken Coleman answer your questions and discuss:

• "I was accidentally overpaid by my employer and now they want me to pay back $48,000."
• "Should I take over the car payment that my soon-to-be ex-husband is failing to pay?"
• "How can I convince my wife that we're set for retirement and don't have to make "the pie" bigger?"
• "Should I buy a boat?"
• "My husband says we can't afford a baby. Is he right?"
• "Should I continue working for my father or find another job?"
• "My husband wants to invest in gold but I want to invest in real estate. What should we do?"
• "How can I pay off my student loans at age 70?"
• "I owe $15,000 on my car and it doesn't run. How do I get rid of it?"

Next Steps:

✅ ⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠send us an email.⁠⁠⁠ 

📈 ⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠

✔️ ⁠⁠⁠Help us make the show better. Please take this short survey⁠

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📈 ⁠⁠Free Tools & Resources to Help You With Investing⁠

🏠 ⁠⁠Get organized and prepared to buy or sell a home

💵 ⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠

Connect with our Sponsors:

• Stop paying more and start shopping smarter at ⁠⁠⁠ALDI⁠⁠⁠
• Get 10% off your first month of⁠⁠⁠ BetterHelp⁠⁠⁠
• Go to ⁠⁠⁠Boost Mobile⁠⁠⁠ to switch today!
• Learn more about⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠
• Get started today with⁠⁠⁠ Churchill Mortgage⁠⁠⁠
• Get 20% off when you join ⁠⁠⁠DeleteMe⁠⁠⁠
• Go to⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠ for an exclusive account bundle!
• Save 15% on your first ⁠⁠⁠Field of Greens⁠⁠⁠ order with code RAMSEY
• Find top Health Insurance Plans at ⁠⁠⁠Health Trust Financial⁠⁠⁠
• To find out more about student loan refinancing, check out⁠⁠⁠ Laurel Road⁠⁠⁠
• Use code RAMSEY to save 20% at ⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠
• Visit⁠⁠⁠ NetSuite⁠⁠⁠ today to learn more
• Use promo code RAMSEY for 18% off at ⁠⁠⁠The Nokbox⁠⁠⁠
• Learn more about ⁠⁠⁠Timothy Plan⁠⁠⁠
• Get started with ⁠⁠⁠YRefy⁠⁠⁠ or call 844-2-RAMSEY
• Visit⁠⁠⁠ Zander Insurance⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠

🧠 ⁠⁠⁠The Dr. John Delony Show⁠⁠⁠

🍸 ⁠⁠⁠Smart Money Happy Hour⁠⁠⁠

💡 ⁠⁠⁠The Rachel Cruze Show⁠⁠⁠

💰 ⁠⁠⁠George Kamel⁠⁠⁠

🪑 ⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠

📈 ⁠⁠⁠EntreLeadership⁠⁠⁠

Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠

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

🔗⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠

Dave Ramsey and Rachel Cruze answer your questions and discuss:

• "My husband keeps wanting to blow through our retirement savings. How do I get him to slow down his spending?"
• "Should we file bankruptcy?"
• "Should I pay cash or take out a loan for solar panels?"
• "I was laid off yesterday, where do I go from here?"
• "My husband is only paying down his own debt and I'm worried he's planning to leave me,"
• "Our newborn is having unexpected medical expenses and we've blown through our emergency fund. What do we do?"
• "Can we recover from my husband not paying taxes?"
• "What kind of bonds should I be investing in?"
• "How can I fight a tax lien that my ex-husband was supposed to pay but didn't?"

Next Steps:

✅ ⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠send us an email.⁠⁠⁠ 

📈 ⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠

✔️ ⁠⁠⁠Help us make the show better. Please take this short survey⁠

📱 ⁠Download the free Ramsey Network app! ⁠

❤️‍🩹 ⁠⁠⁠⁠Get trusted insurance coverage that fits your budget

💵 ⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠

📈 ⁠Free Tools & Resources to Help You With Investing⁠

Connect with our Sponsors:

• Stop paying more and start shopping smarter at ⁠⁠⁠ALDI⁠⁠⁠
• Get 10% off your first month of⁠⁠⁠ BetterHelp⁠⁠⁠
• Go to ⁠⁠⁠Boost Mobile⁠⁠⁠ to switch today!
• Learn more about⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠
• Get started today with⁠⁠⁠ Churchill Mortgage⁠⁠⁠
• Get 20% off when you join ⁠⁠⁠DeleteMe⁠⁠⁠
• Go to⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠ for an exclusive account bundle!
• Save 15% on your first ⁠⁠⁠Field of Greens⁠⁠⁠ order with code RAMSEY
• Find top Health Insurance Plans at ⁠⁠⁠Health Trust Financial⁠⁠⁠
• To find out more about student loan refinancing, check out⁠⁠⁠ Laurel Road⁠⁠⁠
• Use code RAMSEY to save 20% at ⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠
• Visit⁠⁠⁠ NetSuite⁠⁠⁠ today to learn more
• Use promo code RAMSEY for 18% off at ⁠⁠⁠The Nokbox⁠⁠⁠
• Learn more about ⁠⁠⁠Timothy Plan⁠⁠⁠
• Get started with ⁠⁠⁠YRefy⁠⁠⁠ or call 844-2-RAMSEY
• Visit⁠⁠⁠ Zander Insurance⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠

🧠 ⁠⁠⁠The Dr. John Delony Show⁠⁠⁠

🍸 ⁠⁠⁠Smart Money Happy Hour⁠⁠⁠

💡 ⁠⁠⁠The Rachel Cruze Show⁠⁠⁠

💰 ⁠⁠⁠George Kamel⁠⁠⁠

🪑 ⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠

📈 ⁠⁠⁠EntreLeadership⁠⁠⁠

Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠

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

🔗⁠⁠⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠⁠⁠

Dave Ramsey and Jade Warshaw answer your questions and discuss:

• "How can I get my husband to understand we can't afford groceries because of his drug addiction?"
• "My dad wants to give me money for a house but I want to invest it instead. What should I do?"
• "I currently have $130,000 in crypto, should I cash it out?"
• "My girlfriend wants me to sign a prenup, but I don't want to"
• "I'm worried about getting a bigger house. I think it will be too hard for us to take care of it, but we need it"
• "When is it appropriate to tip?"
• "How can we start a business when friends and family owe us so much money?"
• "We are stuck in Baby Step 1 and living in a camper. What should we do to get out of this situation?"

Next Steps:

✅ ⁠⁠⁠Help us make the show better by taking this short survey!⁠⁠⁠

📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or ⁠⁠⁠send us an email.⁠⁠⁠ 

📈 ⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠

✔️ ⁠⁠⁠Help us make the show better. Please take this short survey⁠

📱 ⁠Download the free Ramsey Network app! ⁠

💵 ⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠

🎟️ Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville.

📖 Ready to break free from debt? Grab George Kamel’s Breaking Free From Broke now!

🏠 Get organized and prepared to buy or sell a home.

Connect with our Sponsors:

• Stop paying more and start shopping smarter at ⁠⁠⁠ALDI⁠⁠⁠
• Get 10% off your first month of⁠⁠⁠ BetterHelp⁠⁠⁠
• Go to ⁠⁠⁠Boost Mobile⁠⁠⁠ to switch today!
• Learn more about⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠
• Get started today with⁠⁠⁠ Churchill Mortgage⁠⁠⁠
• Get 20% off when you join ⁠⁠⁠DeleteMe⁠⁠⁠
• Go to⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠ for an exclusive account bundle!
• Save 15% on your first ⁠⁠⁠Field of Greens⁠⁠⁠ order with code RAMSEY
• Find top Health Insurance Plans at ⁠⁠⁠Health Trust Financial⁠⁠⁠
• To find out more about student loan refinancing, check out⁠⁠⁠ Laurel Road⁠⁠⁠
• Use code RAMSEY to save 20% at ⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠
• Visit⁠⁠⁠ NetSuite⁠⁠⁠ today to learn more
• Use promo code RAMSEY for 18% off at ⁠⁠⁠The Nokbox⁠⁠⁠
• Learn more about ⁠⁠⁠Timothy Plan⁠⁠⁠
• Get started with ⁠⁠⁠YRefy⁠⁠⁠ or call 844-2-RAMSEY
• Visit⁠⁠⁠ Zander Insurance⁠⁠⁠ for your free instant quote today! 

Explore more from Ramsey Network:

💸 ⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠

🧠 ⁠⁠⁠The Dr. John Delony Show⁠⁠⁠

🍸 ⁠⁠⁠Smart Money Happy Hour⁠⁠⁠

💡 ⁠⁠⁠The Rachel Cruze Show⁠⁠⁠

💰 ⁠⁠⁠George Kamel⁠⁠⁠