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When You Feel Overwhelmed, Control the Controllables Sep 12, 2025

Show notes

🤔 ⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠

Dave Ramsey and Rachel Cruze answer your questions and discuss:

"Should I pay off my HELOC first in my debt snowball?"
"Is it possible to graduate Baby Step 4?"
"We're expecting $500,000 from the sale of a business. How do we best use these funds?"
"How do I break the news to my wife that we are broke and $500,000 in debt?"
"I own my own business and haven't been saving for taxes. How do I get out of this mess and keep the business going?"
"Can I change my career now that I've finished Baby Step 2?"
"Should we consider our rental property as debt in Baby Step 2?"
"How do I get out of a motorcycle I'm upside down on?"
"How can I convince my husband that we need to create a joint account?"
"My wife wants to take a trip to Europe but I would rather keep investing 40% of our income."

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You Can’t Hack Your Way Out of Debt Sep 11, 2025

Show notes

🤔 ⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠

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

"Should I lock my husband out of our savings account to stop his spending?"
"How do I pay off debt as a single mom?"
"Should I finance a car with my company's stipend?"
"Is it wise for me to be paying my mom's life insurance policy so it will clean up her mess when she passes?"
"Is my total net worth too tied up in real estate?"
"We're drowning in personal and business debt. Should we file for bankruptcy?"
"Should I pull from my IRA to build a cabin or just take out a loan?"
"Should I just let go of the idea of marrying my partner?"
"I just got divorced at 73 years-old. How do I make my last $100,000 last into retirement?"
"Should I pay my mortgage off when a family member is the loan holder?"
"My mortgage lender is highly encouraging me to refinance in order to free up my income to pay off debt"
"Our family owned farm has grown 3x in equity. Should we sell it and invest the proceeds?"
"We make $200,000 but can't seem to get back on track. What are we doing wrong?"

Next Steps:

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👫 Check out our free Term Life Insurance Guide for helpful info and resources.

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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.
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Don’t Let Panic Derail Your Plan Sep 10, 2025

Show notes

🤔 ⁠⁠⁠⁠⁠⁠⁠Think you’re good with money? Take our Money in America quiz!⁠⁠

Dave Ramsey and Ken Coleman answer your questions and discuss:

"We're barely scraping by and I just found out I'm pregnant"
"I have to ask my husband for money for anything I do - should I divorce him? "
"I'm 20 years old and considering filing for bankruptcy"
"How do I start investing?"
"I'm getting a large inheritance. How should I invest it?"
"We're net worth millionaires but struggle to pay our bills"
"I've been fired twice and we're drowning in debt"
"What is your opinion on being able to Vemno the government to pay down the national debt?"
"Should we buy a home in cash if we are going to be moving every few years?"
"Can we do the debt snowball out of order since we have a baby on the way?"
"Our families are giving us a wedding gift of $20,000. How do we best use this money as newlyweds?"
"Can I afford a second child with the home repairs we have to pay?"
"I'm 65, can I afford to retire?"

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!⁠⁠⁠⁠⁠⁠⁠

🛡️ ⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠

🎟️ ⁠⁠⁠⁠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: