The Ramsey Show

Connect With Our Sponsors:

Get 10% off your first month of ⁠⁠⁠⁠⁠BetterHelp⁠⁠⁠⁠⁠
Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!
Go to⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more
If you want your car to keep going and going, trust ⁠⁠⁠⁠⁠Christian Brothers Automotive⁠⁠⁠⁠⁠. Find a local shop and get an exclusive Ramsey discount of 10% off
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!
Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠
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
Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY
Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today!

Explore more from Ramsey Network:

❓⁠⁠Have a money question? Ask Ramsey is here to help!⁠⁠

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

Clarity With Money Brings Peace At Every Stage Of Life Jan 23, 2026

Show notes

Jade Warshaw and George Kamel answer your questions and discuss:

"Is it normal to be in debt to your spouse?"
"How much can I spend in retirement?"
"How can I get my husband to open up about his finances?"
"My 52-year-old daughter is making our home a living nightmare. How do we kick her out?"
"We make $40,000 a month but we barely have enough left over at the end of the month to make ends meet".

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.

🛡️ ⁠⁠⁠Protect yourself with trusted insurance coverage that fits your budget.⁠⁠⁠

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

💵 Think you're good with money? Take our free quiz!

💻 ⁠⁠Need help with your taxes? See who we trust.⁠⁠

Connect With Our Sponsors:

Get 10% off your first month of ⁠⁠⁠⁠⁠BetterHelp⁠⁠⁠⁠⁠
Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!
Go to⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more
If you want your car to keep going and going, trust ⁠⁠⁠⁠⁠Christian Brothers Automotive⁠⁠⁠⁠⁠. Find a local shop and get an exclusive Ramsey discount of 10% off
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!
Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠
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
Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY
Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today!

Explore more from Ramsey Network:

❓⁠⁠Have a money question? Ask Ramsey is here to help!⁠⁠

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

My Husband Refuses To Work And Still Lives Off His Parents Jan 22, 2026

Show notes

Rachel Cruze and Dr. John Delony answer your questions and discuss:

"My husband refuses to get a job, I'm worried he is going to ruin us financially"
"I'm $350,000 in debt, should I file for bankruptcy?"
"Should I finish Baby Step 2 before buying my home?"
"Am I wrong to ask my daughter to pay rent and contribute to grocery costs?"
"Should we sell our double-wide?"
"We don't have anything saved for retirement, where do we start?"
"My boyfriend has $60,000 of debt and keeps spending money on non-essentials. Should I break up with him?"
"Our contractor keeps missing deadlines for our home addition. Should we fire him?"

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!⁠⁠⁠⁠

🛡️ ⁠⁠Protect yourself with trusted insurance coverage that fits your budget⁠⁠

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

💵 Think you're good with money? Take our free quiz!

Connect With Our Sponsors:

Get 10% off your first month of ⁠⁠⁠⁠⁠BetterHelp⁠⁠⁠⁠⁠
Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!
Go to⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more
If you want your car to keep going and going, trust ⁠⁠⁠⁠⁠Christian Brothers Automotive⁠⁠⁠⁠⁠. Find a local shop and get an exclusive Ramsey discount of 10% off
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!
Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠
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
Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY
Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today!

Explore more from Ramsey Network:

❓⁠⁠Have a money question? Ask Ramsey is here to help!⁠⁠

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

"I've Been Doing OnlyFans For 3 Years And Want Out" Jan 21, 2026

Show notes

George Kamel and Rachel Cruze answer your questions and discuss:

"I'm burnt out from doing OnlyFans, how do I get out of this?"
"My mom is resentful that they are still paying my student loans. Should I take on the payments?"
"Should I buy a house to flip in order to pay off $40,000 of debt?"
"What is extendable term-life insurance?"
"My husband doesn't want to pay off our debt even though we have the money to do so".

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.

💵 ⁠Think you're good with money? Take our free quiz!⁠

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

🏠 Get organized and prepared to buy or sell a home⁠⁠

Connect With Our Sponsors:

Get 10% off your first month of ⁠⁠⁠⁠⁠BetterHelp⁠⁠⁠⁠⁠
Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!
Go to⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠ and use promo code RAMSEY to learn more
If you want your car to keep going and going, trust ⁠⁠⁠⁠⁠Christian Brothers Automotive⁠⁠⁠⁠⁠. Find a local shop and get an exclusive Ramsey discount of 10% off
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!
Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠
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
Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY
Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ for your free instant quote today!

Explore more from Ramsey Network:

❓⁠Have a money question? Ask Ramsey is here to help!⁠

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

You Don’t Get Out of Debt by Accident—Choose Your Hard Jan 20, 2026

Show notes

Ken Coleman and Jade Warshaw answer your questions and discuss:

“I feel let down by my husband’s spending habits?”
”We’re in $600,000 of student loan debt and have a baby on the way. How do we work the baby steps?”
“I keep going deeper into debt because of my spending habits”
“Our home mortgage is 40% of our income, should we refinance?”
“How do I talk to my in-laws about the $48,000 my wife owes them?”
“We offered $24,000 for our daughter’s wedding, they want to spend half of it on the wedding and keep the other half”
“How are we supposed to pay $2459 for health insurance premiums?”
“Should I pay off the mortgage incrementally or should I invest the money until I can pay off the house in full?”
“What’s the difference between sinking funds and recurring expenses?”
“My wife thinks I’m jumping the gun by getting life insurance for a baby we are planning for”
“We’re $176,000 in debt, should we sell our cars?”
“How do I pay off debt and plan for the future as a single mom?”
“My mortgage has a balloon payment, how do I pay this off?”

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.

🛡️ ⁠Protect yourself with trusted insurance coverage that fits your budget.⁠

🏢 ⁠Join the Crusade! Apply Now!⁠

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

💵 Think you're good with money? Take our free quiz!

Connect With Our Sponsors:

Get 10% off your first month of ⁠⁠⁠⁠BetterHelp⁠⁠⁠⁠
Go to ⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠ to switch today!
Go to⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠ and use promo code RAMSEY to learn more
If you want your car to keep going and going, trust ⁠⁠⁠⁠Christian Brothers Automotive⁠⁠⁠⁠. Find a local shop and get an exclusive Ramsey discount of 10% off
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!
Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠
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
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

"I’m 50 With No Retirement Living Paycheck-to-Paycheck" Jan 19, 2026

Show notes

❓Have a money question? Ask Ramsey is here to help!

Ken Coleman and George Kamel answer your questions and discuss:

“How do I stop living paycheck to paycheck?”
“Should we pay the student loans my mother-in-law is supposed to pay?”
“Should we buy a home when we move to a different state?”
“How much should we be spending on a vacation?”
“We have a collection company coming after us for money we don’t owe. How should we handle this situation?”
“Why won’t my wife live in an RV with me?”
“I am under contract for a house with leased solar panels. Should I back out of this deal?”
“Should we keep helping our daughter financially after her divorce?”
“Should I buy a new truck or keep my old one?”
“My husband doesn’t want to use our savings to pay off our home”
“Can we afford a $500k house?”
“Is my sister still responsible to make payments towards renovations on a home we co-own?”
“How can I get out of $434,000 of debt?”
“How fast should I be saving my fully-funded emergency fund?”
“Should my husband change careers to make more money?”

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!⁠⁠

🛡️ Protect yourself with trusted insurance coverage that fits your budget.

💻 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Find out where you stand with your money and get a free plan⁠⁠⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠

Connect With Our Sponsors:

Get 10% off your first month of ⁠⁠⁠BetterHelp⁠⁠⁠
Go to ⁠⁠⁠Boost Mobile⁠⁠⁠ to switch today!
Go to⁠⁠⁠ ⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠ and use promo code RAMSEY to learn more
If you want your car to keep going and going, trust ⁠⁠⁠Christian Brothers Automotive⁠⁠⁠. Find a local shop and get an exclusive Ramsey discount of 10% off
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!
Debt collectors hassling you? Take back control of your life at ⁠⁠⁠Guardian Litigation Group⁠⁠⁠
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
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

📈 ⁠⁠⁠EntreLeadership⁠⁠⁠

⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠

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

Take Back Your Money in 2026 Jan 17, 2026

Show notes

💸 Start transforming your money today with EveryDollar!

In a special bonus episode from our recent "Take Back Your Money" livestream, Dave Ramsey and Jade Warshaw show you how to take your money from chaos to clarity so you can break free from debt and completely transform your finances in 2026.

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

Quiet The Chaos And Solve For Peace Jan 16, 2026

Show notes

❓Have a money question? Ask Ramsey is here to help!

Ken Coleman and Jade Warshaw answer your questions and discuss:

"My husband is about to go to prison for several years, how should we prepare our finances?"
"How can I get my 19-year-old son to be responsible for his expenses?"
"I'm 46-years-old but I still don't have my finances in order, how do I begin to get organized with my money?"
"Are we spending too much on building our home?"
"Should I share my inheritance with my brothers?"
"Should I sell my car?".

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.

🏠 ⁠⁠Find a Ramsey Trusted Real Estate Agent⁠⁠

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

🛡️ Protect yourself with trusted insurance coverage that fits your budget