The Ramsey Show

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**The Ramsey Show**

The Ramsey Show believes you can build wealth and take control of your life—no matter what stupid mistakes you’ve made with money. Join as Dave Ramsey and his team of experts answer your questions on the top problems holding you back. Listen now or ask your question live by calling 888.825.5225 weekdays from 2–5 p.m. ET. Learn more at www.ramseysolutions.com

Latest Episodes:

If You Want To Get Rich Do What Rich People Do! Aug 28, 2023

Show notes

Dave Ramsey & Jade Warshaw answer your questions and discuss:

EveryDollar, budget for the life you want today for free: Click Here

"Emergencies keep holding back our progress,"
"We disagree on how to use our money in Baby Step 6,"
Confusion around student loans,
Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans,
"How do we prepare to build a house?"
How to replace a car,
"Is there any way to use the equity in our home?"
"What's the best way to save for my grandkids?"
"Should I invest instead of paying off my house?"
Why warranties aren't worth it,
read more: Are Extended Warranties Worth It?
"Which debt should I pay off first?"
Getting out of a $220k “HELL-OC",
"I think we bought too much house"

Support Our Sponsor:

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway

Want a plan for your money? Find out where to start: Click Here

Listen to all The Ramsey Network podcasts: Click Here

Interested in advertising on The Ramsey Show? Click Here

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Ramsey Solutions Privacy Policy

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Quit Letting Life Happen to You and OWN Your Life! Aug 25, 2023

Show notes

Ken Coleman & Jade Warshaw answer your questions and discuss:

EveryDollar, budget for the life you want today for free: Click Here

"Should I file bankruptcy?"
"Pause Baby Step 2 to pay for fertility treatments?"
"Should I wait for student loan forgiveness?"
"How do I ask my boss for a raise?"
"Our financial advisor is trying to sell us on whole life insurance"
read more: What Is Whole Life Insurance?
"My husband says he deserves his truck (and its $1400 payment)..."
"How do we budget for student loan payments?"
Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans,
What's your "I've Had It!" moment? Share it with us in the comments!
"Should we buy a condo or a small home?"
try our free Mortgage Calculator,
"Should I keep whole life insurance on my kids?"
"Should I use savings to pay off my car loan?"
"I have over $1M in debt, what can I do?"
"I want to move out of my parents' house."

Support Our Sponsor:

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway

Want a plan for your money? Find out where to start: Click Here

Listen to all The Ramsey Network podcasts: Click Here

Interested in advertising on The Ramsey Show? Click Here

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

Ramsey Solutions Privacy Policy

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

Are You Ready To Get Out of Your Financial Mess? Aug 24, 2023

Show notes

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

EveryDollar, budget for the life you want today for free: Click Here

"Should we pay off debt or buy a house?"
"We feel taken advantage of by my parents,"
"Following the Baby Steps while managing ADHD,"
"Should I buy a car that gets better gas mileage?"
"How do we get out of this financial mess we made?"
"I'm $480k in debt!"
read more: The 7 Baby Steps,
"Should we save for kid's education or pay off our house?"
"Do I need to take out a loan to buy out my ex?"
"My wife wants to sell our house and downsize,"
"What's the best way to pay off my cars?"
"I bought a condo with my mom..."
"Should I rent or buy a home?"
"I promised to buy someone a car..."

Support Our Sponsor:

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway

Want a plan for your money? Find out where to start: Click Here

Listen to all The Ramsey Network podcasts: Click Here

Interested in advertising on The Ramsey Show? Click Here

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

Ramsey Solutions Privacy Policy

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

The Facts About Biden's New SAVE Plan For Student Loans Aug 23, 2023

Show notes

Jade Warshaw & Ken Coleman answer your questions and discuss:

EveryDollar, budget for the life you want today for free: Click Here

"I can't keep up with my minimum payments..."
"The facts about Biden's new SAVE plan for your student loans,"
read more: The Truth About Income-Driven Repayment Plans,
Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans,
"Will I ever be able to buy a house?"
"Which debt should I pay off first?"
"I received a summons from a debt collector,"
"How do we get our budget back on track?"
read more: How to Make a Budget: Your Step-by-Step Guide,
Challenges of budgeting for groceries,
"Should I take a new job that pays more?"
How to budget on an irregular income,
Walking through Baby Steps 3b, 4, 5, and 6,
"Why should I base my mortgage on net income?"
read more: How Much House Can I Afford?
Finding a budgeting accountability partner,
"I have buyer's remorse for my Tesla,"
Knowing when to quit your full-time job for a side hustle.

Support Our Sponsor:

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway

Want a plan for your money? Find out where to start: Click Here

Listen to all The Ramsey Network podcasts: Click Here

Interested in advertising on The Ramsey Show? Click Here

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

Ramsey Solutions Privacy Policy

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

Can You Become A Millionaire Today In America? Aug 22, 2023

Show notes

Dave Ramsey & Ken Coleman answer your questions and discuss:

EveryDollar, budget for the life you want today for free: Click Here

"A debt collector is taking me to court"
"Should I pull from my CD to pay towards debt?"
"How do I find my dream job without a degree?"
"Should I use a settlement company or file bankruptcy?"
read more: Bankruptcy: What It Is and How It Works,
"Sell our house to be closer to family?"
"Should I sell my house before it gets foreclosed on?"
"What do I do with this inheritance?"
Dealing with errors on your credit report,
"Pause investing while we are expecting?"
read more: When to Pause Your Debt Snowball,
"Should we buy or rent while in the military?"
How real millionaires built their wealth.

Support Our Sponsor:

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway

Want a plan for your money? Find out where to start: Click Here

Listen to all The Ramsey Network podcasts: Click Here

Interested in advertising on The Ramsey Show? Click Here

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

Ramsey Solutions Privacy Policy

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

These 3 Things Will Keep You Broke Aug 21, 2023

Show notes

Dave Ramsey & George Kamel answer your questions and discuss:

EveryDollar, budget for the life you want today for free: Click Here

"Should I leverage equity to invest in real estate?"
read more: How to Invest in Real Estate,
3 things that will keep you broke,
"How do I account for buffer in my budget?"
read more: How to Make a Budget: Your Step-by-Step Guide,
"Don't burn so many brain calories just to make $1000,"
"Should I invest in land?"
Dave's thoughts on digital payment methods (Apple Pay, Zelle, Venmo),
"Should I pull my money out of a brokerage account and into a Roth?"
"How much should we spend on a home?"
"How much income can I take home from my business?"
"How do I get control of my money?"

Support Our Sponsor:

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway

Want a plan for your money? Find out where to start: Click Here

Listen to all The Ramsey Network podcasts: Click Here

Interested in advertising on The Ramsey Show? Click Here

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

Ramsey Solutions Privacy Policy

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

What's the Best Way To Get Into Real Estate Investing? Aug 18, 2023

Show notes

Ken Coleman & Rachel Cruze answer your questions and discuss:

EveryDollar, budget for the life you want today for free: Click Here

"Are we over-giving while paying off debt?"
"How do I move into my business full time?"
"Can we get on the same page before our wedding?"
"I owe more on my car than it's worth"
read more: How to Get Out of an Upside-Down Car Loan,
"What is the best way to get into real estate investing?"
read more: How to Invest in Real Estate,
"Should I take a job that doesn't give paternity leave?"
"How can I pay for my car repairs?"
"Should I use an income-based repayment plan for my student loans?"
Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans,
"I don't feel safe with a $1000 emergency fund"

Support Our Sponsor:

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway

Want a plan for your money? Find out where to start: Click Here

Listen to all The Ramsey Network podcasts: Click Here

Interested in advertising on The Ramsey Show? Click Here

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

Ramsey Solutions Privacy Policy

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

How Can I Pay Off My Student Loans? Aug 17, 2023

Show notes

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

EveryDollar, budget for the life you want today for free: Click Here

"Should I pull from my IRA to pay off our house?"
read more: How Do I Invest in Retirement, Save for College, and Pay Off the Mortgage at the Same Time?
"I don't know how to pay off my student loans,"
Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans,
"How can I sustain working 80 hours a week?"
"I'm not sure when to pay my second mortgage,"
"Should I buy a rental with my sister?"
"My husband doesn't want to pay off our house"
"Are MLMs just barely-legal pyramid schemes?"
"Can we shift from intense to intentional?"
"Should I talk my dad out of a terrible money decision?"
"I'm tired of being a landlord; should I sell?"
"How do I get my debt under control?"
read more: How the Debt Snowball Method Works

Support Our Sponsor:

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway

Want a plan for your money? Find out where to start: Click Here

Listen to all The Ramsey Network podcasts: Click Here

Interested in advertising on The Ramsey Show? Click Here

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

Ramsey Solutions Privacy Policy

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

Should We Wait for Interest Rates To Come Back Down To Buy a House? Aug 16, 2023

Show notes

Dave Ramsey & Ken Coleman answer your questions and discuss:

EveryDollar, budget for the life you want today for free: Click Here

"We disagree on paying off student loans,"
Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans,
"My father-in-law deeded our house to our 7-year-old son..."
"Should I cancel the extended warranty on my car?"
"Do I need to take out a HELOC to get me to retirement?"
read more: HELOC: What Is a Home Equity Line of Credit?
"Should we use savings to pay off student loans?"
"Stop investing while paying off debt?"
"Can I use my investments to buy a house?"
"Should we rent out our house when we move due to the low interest rate?"
read more: How to Rent Out a House: Your Complete Guide,
"Should I sell my car to get rid of the payments?"
Why whole life insurance plans suck,
"How do I protect us financially during a job change?"
"Does it make sense to take a job I don't want if they offer good insurance?"
Choosing between a high-paying job or dream job,
"Someone offered me $500k in gold for my land"
"How quickly should I pay off my student loans?"

Support Our Sponsor:

Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET

Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway

Want a plan for your money? Find out where to start: Click Here

Listen to all The Ramsey Network podcasts: Click Here

Interested in advertising on The Ramsey Show? Click Here

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

Ramsey Solutions Privacy Policy

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

You Don’t Become a Millionaire by Investing Borrowed Money Aug 15, 2023

Show notes

Dave Ramsey & Rachel Cruze answer your questions and discuss:

EveryDollar, budget for the life you want today for free: Click Here

"Are our Baby Steps out of whack?"
read more: The 7 Baby Steps,
Why you shouldn't invest borrowed money to get wealthy,
"Should we pull from our Roth to fund our kid's college?"
"Can I use a credit card as my $1000 emergency fund?"
Dave & Rachel react to a New York Times column,
read more: Money, Marriage, and Communication,
"My ex keeps slowing down my progress,"
"Can we use our kids' accounts to fund our debt snowball?"
Preparing kids for their financial future in a family with a history of Alzheimer's,
"What should I do when my car lease ends?"
"Should I buy a personal home or commercial building?"
"We can't afford our house anymore,"
"Help! I don't want to inherit a timeshare..."
"Should I be investing while paying off debt?"
"Should we pay off our daughter's student loans?"
Following the Baby Steps while fighting cancer.