The Ramsey Show

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Solve for Peace Instead of Screwing Around With Debt Aug 21, 2025

🎟️ ⁠⁠The Ramsey Show Live Tour: Get Your Tickets! ⁠

Dave Ramsey and Rachel Cruze answer your questions and discuss:

"Should I invest into real estate instead of paying off my student loans?"
"I'm drowning in debt and don't know what to do..."
"Should I be allowed to spend $5-8,000/year on my sailboat when my wife says our kitchen needs remodeling?"
"Are we obligated to give our dad money?"
"Can we afford a $4,000 monthly mortgage payment?"
"When and how do we give our kids access to the money they've earned on YouTube?"
"My husband opened a credit card in my name and then passed away. Can I get out of this debt?"
"I'm 38 and have nothing saved for retirement..."
"Should we be investing more than 15% to compensate for my wife who's a stay-at-home mom?"
"I drained my 401(k) to pay for my kids' college. I'm scared that I now have to start over with my retirement savings..."

Next Steps:

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📱 ⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠⁠⁠⁠

📈⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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Change Starts Today. Don’t Wait Till You’re 65 and Broke Aug 20, 2025

🎟️ ⁠The Ramsey Show Live Tour: Get Your Tickets!

Dave Ramsey and George Kamel answer your questions and discuss:

"I'm 65 and I've never made good decisions with money, where should my focus be at my age?"
"Is health insurance a bad investment for our family?"
"I'm skeptical about combining finances with my spouse..."
"Can I retire at 38?"
"How much should I spend on an engagement ring?"
"Should I use a debt relief company to pay off my gambling debt?"
"What is the best way for a married couple to handle finances while running a business together?"
"I'm 61 with no retirement savings and living in low income housing..."
"How do I combine my emergency fund and investments with my future wife?"
"How do I encourage my husband to get a job so I don't have to work two of them?"
"Should I leave a PhD program that I have a full-ride scholarship for?"

Next Steps:

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📱 ⁠⁠⁠⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠⁠⁠⁠

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☮️ Lead a Financial Peace University class.

🤔 Will an online will work for you? Take this quiz to find out

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The Truth About Your Money Is Less Scary Than the Story in Your Head Aug 19, 2025

🎟️ ⁠The Ramsey Show Live Tour: Get Your Tickets!

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

"How do I get started when I feel stuck, weak, and ashamed due to my pornography addiction?"
"How do I choose a beneficiary for my estate?"
"Do I need to put 20% down on a house?"
"My house is 51% of my income, how can I pay it off quickly?"
"Should I cash out my investments to pay off an unexpected debt?"
"Should we use money from our kids' savings to pay off debt?"
"When do I talk about money when I'm dating?"
"Should I file bankruptcy after getting divorced?"
"How do we protect my step-kids from financial doom?"
"What should I do with a large settlement?"
"I'm $800k in debt and don't know where to start"

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!⁠⁠⁠⁠⁠⁠⁠⁠⁠

☮️ Lead a Financial Peace University class.

❓ ⁠⁠⁠⁠⁠⁠⁠⁠⁠Will an online will work for you? Take this quiz to find out.⁠⁠⁠⁠⁠⁠⁠⁠⁠

📈⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

Connect With Our Sponsors:

Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠⁠.

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🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠

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Money Issues Aren't the Problem, They’re the Symptom Aug 18, 2025

📈⁠⁠⁠⁠⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠⁠⁠

Ken Coleman and Jade Warshaw answer your questions and discuss:

"My husband has been hiding money from me while I've been paying for groceries with a credit card. What should I do?"
"My job requires a lot of travel. How can I break the cycle of being upside down on my car?"
"I'm financially starting over after leaving a toxic relationship."
"I'm about to be foreclosed on, what should I do?"
"Should I use a debt repayment program?"
"Why should we keep contributing to our IRA's?"
"Can we afford botox?"
"Should we purchase a van even if it depletes our emergency fund?"
"Should I focus on retirement while paying off my car?"
"Our child was just diagnosed with cancer, should we pause paying off debt while we fight this?"
"How should my mom invest $100K to live on in 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.

📱 ⁠⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠⁠

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

❓ ⁠⁠⁠⁠⁠⁠⁠⁠Will an online will work for you? Take this quiz to find out.⁠⁠⁠⁠⁠⁠⁠⁠

📈 ⁠⁠Free Tools & Resources to Help You with Investing and Retirement!⁠⁠

Connect With Our Sponsors:

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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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Life Happens — Don’t Let It Wreck Your Finances Aug 15, 2025

📈⁠⁠⁠⁠⁠⁠⁠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 financially plan for a marital separation knowing my husband is an addict?"
"Have I overcomplicated my finances?"
"Am I holding myself back by staying with my boyfriend?"
"Should I still be the co-owner on my 33-year-old unmarried son's bank accounts?"
"Our landlord gave us 30 days to move out. Should we just finance a camper and live in that?"
"Why is my company issued credit card showing on my personal credit report?"
"We are underwater on our home by $45,000... what should our next step be?"
"Can I pull credit reports on my kids due to husband taking out credit cards in their names?"
"My husband took the money from the sale of our home and won't share it with me. What can I legally do?"
"Should I max out my 401(k) at the beginning of the year or spread it out?"
"Is my dad right in saying I need a prenup to protect my house?"

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!⁠

⛰️ Find out your Baby Step and get a plan for your money.

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

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

❓ ⁠⁠⁠⁠⁠⁠Will an online will work for you? Take this quiz to find out.⁠⁠⁠⁠⁠⁠

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.

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Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠.

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Find top health insurance plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠.

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Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today!

Explore more from Ramsey Network:

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Gambling with Your Future Is a Losing Game Aug 14, 2025

📈⁠⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠⁠

Dave Ramsey and George Kamel answer your questions and discuss:

"My husband has gambled away almost $1,000,000"
"I've made $1.1 million stock trading but need to know if I should cash out or risk losing it all?"
"Should I stop contributing to retirement to focus on other goals?"
"My uncle has not given me half of my inheritance, how do I approach him about this?"
"How do I financially prepare to leave my husband?"
"How do we pay off our wedding?"
"How do I best use a life insurance pay out?"
"Should I sell my car that breaks down often?"
"Am I responsible to help my parents fund their retirement?"

Next Steps:

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Take Control Of Your Money Before It Takes Control Of You Aug 13, 2025

📈⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠⁠

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

"When can I slow down from working 76 hours per week?"
"How do we budget for a large expense while paying off debt?"
"Should we change our will since we disagree with our son's life choices?"
"We're trying to work the Baby Steps but can't seem to get ahead..."
"I'm struggling to make payments on my bankruptcy..."
"How do I teach my 19-year-old to handle money?"
"How can I get my wife to use her inheritance to pay down debt?"
"I'm $100k in debt. How do I tackle this?"
"How much should I charge my son for rent?"
"We can't seem to get back on track after going through a tragedy..."

Next Steps:

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Protect Your Wallet From Other People’s Chaos Aug 12, 2025

📈⁠⁠⁠⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠⁠

Dave Ramsey and Ken Coleman answer your questions and discuss:

"Should we change our financial advisor of 40 years?"
"My parents are using my younger siblings' money to supplement their income"
"Should I go back to school to be an architect?"
"What should I do with my military sign-on bonus?"
"Should we keep saving to pay cash for a house?"
"Should I sell my whole life policy to pay off debt?"
"We're $600k in debt, can we still afford to buy a house?"
"Should I fire the manager of my business?"
"Should I buy a car to qualify for my company's reimbursement program?"
"How do I make a career change at 56 years old?"
"Should my dad take money out of his retirement to fund my sister's kids' 529 plans?"
"I own two bakeries and one is struggling. Should I focus on the successful bakery?"

Next Steps:

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There's No Financial Progress Without A Plan Aug 11, 2025

📈⁠⁠⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠

George Kamel and Jade Warshaw answer your questions and discuss:

"How do I tell my husband that his mother is holding us back financially?"
"At my age, should I prioritize my 401(k) or life insurance?"
"What is the next right step regarding housing choices?"
"How do I become a stay-at-home mom?"
"My parents are trying to join a retirement community and they are charging entrance fees. Is this a legit business?"
"Can I pause the debt snowball to get into a more fulfilling career?"
"How do I go about taking care of my fiancée's debt while still investing?"
"My mother-in-law is moving in with us. How do I prevent that from derailing our marriage and finances?"

Next Steps:

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You Can't Build Wealth While Buried In Payments Aug 08, 2025

📈⁠⁠⁠Are you on track with the Baby Steps? Get a free personalized plan.⁠⁠⁠

Dave Ramsey and Rachel Cruze answer your questions and discuss:

“Can I buy my mom a house and keep it from my husband?”

Why co-signing for anyone is a horrible idea.

Setting boundaries with your passive-aggressive family.

Mixing family and money rarely goes well.

The essentials of investing.

“Should I help my son pay for college?”

Breaking the cycle of credit card debt.

The best way to budget on a fluctuating income.

Next Steps:

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🏫 ⁠Lead a Financial Peace University class!⁠⁠

Connect With Our Sponsors:

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Get 10% off your first month of⁠⁠ BetterHelp⁠⁠.

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Lose the Ego, Win With Money Aug 07, 2025

Dave Ramsey and Rachel Cruze answer your questions and discuss:

"How can I get my wife on board with the Ramsey plan?"
"My tenant isn't paying a plumbing bill, should I pay for it?"
"I want to pay off my debt but my parents want me to put my extra money towards my mortgage."
"My employer offered to pay the taxes on a leased vehicle. Is it worth it to take this deal?"
"How do I address a business partner who refuses to work?"
"How do we stop wasting money on silly material purchases, even if we can afford them and are responsible with money?"
"I'm having a hard time budgeting my fluctuating income."
"My husband passed away and I'm only getting half of his life insurance policy while my sister-in-law is getting the other half."

Next Steps:

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🏫 ⁠Lead a Financial Peace University class!⁠

❤️‍🩹 Get trusted insurance coverage that fits your budget.

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

Connect With Our Sponsors:

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Panic Never Leads to Peace Aug 06, 2025

Dave Ramsey and Ken Coleman answer your questions and discuss:

"Should we sell our house because we were robbed?"
"Will staying home with my kids make it hard to go back to work later?"
"Should I fire my realtor even though she is my friend?"
"Am I being unreasonable to want my parents to use my 529 for my kids college expenses instead of their retirement?"
"How can I set myself up to never go back to poverty?"

Next Steps:

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

🏫 Lead a Financial Peace University class!

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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Stop Being Normal, Attack Your Debt Now! Aug 05, 2025

Dave Ramsey and Ken Coleman answer your questions and discuss:

"I'm living off borrowed money, can I keep doing this or do I need to sell my home?"
"My parents are about to lose their house, how can we help them without enabling them?"
"How much is too much to spend on a used vehicle?"
"How do I know if I am being too frugal?"
"Should my fiancé hold off buying a house until we pay off our business's SBA loan?"
"We are newly married, how should we go about combining finances?"
"As a single mom, how do I get out of the credit card use cycle?".

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.

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❓ Will an online will work for you? Take this quiz to find out.

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

Connect With Our Sponsors:

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Get 10% off your first month of BetterHelp.

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Stop Making Excuses for Bad Money Choices Aug 04, 2025

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

"How do I best use cash I receive from a settlement?"
"My grandfather's inheritance wishes go against the Baby Steps"
"Should we live with my in-laws in order to be included in their will?"
"Should I build a large house to accommodate family that we're no estranged from?"
"I'm $600k in debt and drowning. How do I start paying this off?"
"I'm upside down on a car that needs serious repairs. What should I do?"
"How do I stop investing while paying off debt?"
"My husband thinks if I take a part time job it will set a bad example to our kids"
"Should we use our Roth IRA to pay off our house?"

Next Steps:

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

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

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📱 ⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠ ⁠⁠⁠⁠⁠⁠

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

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

Connect with our Sponsors:

Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠
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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
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Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠
Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY
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Shortcuts Today Lead to Setbacks Tomorrow Aug 01, 2025

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

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

Connect with our Sponsors:

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Go to ⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠ to switch today!
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Find top Health Insurance Plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠
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Let Go of Others Expectations and Take Control of Your Own Future Jul 31, 2025

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:

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More Debt Always Equals More Risk Jul 30, 2025

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:

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Stop Expecting Different Results From the Same Mistakes Jul 29, 2025

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?"

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Debt Won’t Fix What Discipline Can Jul 28, 2025

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?"

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You Can’t Borrow Your Way to Peace Jul 25, 2025

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:

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Don't Settle for Living Paycheck to Paycheck Jul 24, 2025

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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📈 Free Tools & Resources to Help You With Investing

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You'll Never Build a Strong Future On A Shaky Foundation Jul 23, 2025

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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📈 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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It's Not Too Late To Become a Millionaire Jul 22, 2025

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:

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

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📱 Get episodes early in the free Ramsey Network app!

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

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

Connect with our Sponsors:

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Get started today with⁠⁠⁠ Churchill Mortgage⁠⁠⁠
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Take Debt Off The Table And Stay The Course Jul 21, 2025

📈⁠⁠⁠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:

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Stop Buying Things You Can't Afford - You'll Drown Jul 18, 2025

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:

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💲Your Total Money Makeover starts here.

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You Have To Fight For Peace And Quit Living In Chaos Jul 17, 2025

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:

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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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💸 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
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Get started today with⁠⁠ Churchill Mortgage⁠⁠
Get 20% off when you join ⁠⁠DeleteMe⁠⁠
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Find top Health Insurance Plans at ⁠⁠Health Trust Financial⁠⁠
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The White House Doesn’t Decide Your Future—You Do Jul 16, 2025

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:

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

📖 Buy 1 Book, Get 1 Half Off!

Connect with our Sponsors:

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You Can’t Build a Future on Borrowed Money Jul 15, 2025

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:

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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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📖 Buy 1 Book, Get 1 Half Off!

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Connect with our Sponsors:

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Admit Your Financial Mess—Then Clean It Up Jul 14, 2025

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:

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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!
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Shortcuts Today Mean Setbacks Tomorrow Jul 11, 2025

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:

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Don’t Let Other People’s Opinions Derail Your Future Jul 10, 2025

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
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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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Use promo code RAMSEY for 18% off at ⁠⁠The Nokbox⁠⁠
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Big Debt Requires Bigger Discipline Jul 09, 2025

📱 Get episodes early in the free Ramsey Network app!

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.⁠⁠⁠⁠⁠

📈⁠⁠⁠⁠⁠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
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You Can’t Outearn a Busted Budget Jul 08, 2025

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

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:

📞 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!

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 started today with⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠
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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
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You’re One Hard Decision Away From Financial Peace Jul 07, 2025

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
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Don’t Go Broke Trying to Keep the Peace Jul 04, 2025

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?

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No Amount of Debt Is Too Big for a Comeback Jul 03, 2025

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?'

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

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There Are No Magic Shortcuts To Financial Freedom Jul 02, 2025

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

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:

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

👩‍❤️‍💋‍👨 Get tickets for Money & Marriage Getaway

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Push Through Your Financial Setbacks—Don’t Surrender to Them Jul 01, 2025

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

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:

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

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

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Debt-Free Living Is a Superpower Jun 30, 2025

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

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:

📞 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

📊 Free Tools & Resources to Help You With Investing

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It’s Never Too Late To Start Jun 27, 2025

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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:

📞 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

💵 ⁠⁠⁠⁠⁠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!

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

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More Debt Is Never the Way out of a Tough Situation Jun 26, 2025

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

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:

📞 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

💵 ⁠⁠⁠⁠⁠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:

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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
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Debt Can’t Be Your Normal Anymore Jun 25, 2025

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

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:

📞 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

💵 ⁠⁠⁠⁠⁠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
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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!
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
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Learn more about ⁠⁠⁠⁠Timothy Plan⁠⁠⁠⁠
Get started with ⁠⁠⁠⁠YRefy⁠⁠⁠⁠ or call 844-2-RAMSEY
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Your Future Self Is Counting on You Jun 24, 2025

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

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:

📞 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
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Get started today with⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠
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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
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Money Magnifies What’s Already Broken In Your Relationships Jun 23, 2025

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

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:

📞 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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Winning With Money Is More About Hope Than Math Jun 20, 2025

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

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:

📞 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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Get started today with⁠⁠⁠ Churchill Mortgage⁠⁠⁠
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Save 15% on your first ⁠⁠⁠Field of Greens⁠⁠⁠ order with code RAMSEY
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To find out more about student loan refinancing, check out⁠⁠⁠ Laurel Road⁠⁠⁠
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Rock Bottom Can Be Solid Ground to Rebuild On Jun 19, 2025

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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:

📞 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

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

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Connect with our Sponsors:

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Get started today with⁠⁠⁠ Churchill Mortgage⁠⁠⁠
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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
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Short-Term Thinking Keeps You From Building Long-Term Wealth Jun 18, 2025

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

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:

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

💵 ⁠⁠⁠⁠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:

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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!
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
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Passion Without Hard Work Is Just a Dream Jun 17, 2025

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

"My husband has been hiding money in the closet. How can I reason with him when he doesn't see a problem in this?"
"How much do we need to have saved in order to quit my job and pursue our dream?"
"How do we convince my mom that her new husband isn't doing right by her by not properly planning his estate?"
"My mother is financially enabling my sister while we are supporting her. What should we do?"
"How do I overcome childhood financial fears about money?"
"How can I avoid going to jail because I can't pay my divorce settlement"
"Should my girlfriend and I get a prenup?"
"Is it feasible to buy a house to include all our family or should we rent two separate living spaces?"
"What should we do with a $1 million inheritance?"

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.⁠⁠

📈 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
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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!
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
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Stop Ignoring Your Financial Fire Alarms Jun 16, 2025

🔗⁠ ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠⁠

Ken Coleman and George Kamel answer your questions and discuss:

"Should I stop giving money to mom and her deadbeat husband?"
"My mom won't pay rent in my rental property. What should I do?"
"I was laid off after ten years. How do I use my severance wisely?"
"How do I get my ex-boyfriend to pay back the money he borrowed from me?"
"I feel like I can't keep my head above water with my income. How do I get out of a paycheck-to-paycheck cycle?"
"My husband and I can't agree on if we should buy a plot of land from his parents."
"Should I file for bankruptcy?"

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 organized and prepared to buy or sell a home⁠⁠

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

❤️‍🩹 ⁠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!
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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!
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!

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You Work Too Hard to Stay This Broke Jun 13, 2025

Dave Ramsey and Jade Warshaw answer your questions and discuss:

"We make $300k a year but we are living paycheck to paycheck."
"My husband's family expects us to pay the expenses for their lake house. How do we deal with this?"
"I have to work all the time as a single mom. How do I avoid burnout while in this grind?"
"75% of my take-home pay is going to mortgage payments. I feel like I'm underwater, how do I get out of this?"
"Can I do a 30-year mortgage and pay it like a 15-year mortgage?"
"How can we recover from a crypto scam that took $243K of our money?"
"Should I have a wedding celebration or just elope to save money?"
"How do I get over the regret of losing my retirement savings to a scam?"
"Should I give up gambling?"
"My dad isn't interested in talking about the succession plan for our family business, how do I start the conversation with him?"

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 trusted insurance coverage that fits your budget.⁠

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

💵 ⁠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!

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Financial Wisdom Replaces Fear With Peace Jun 12, 2025

Dave Ramsey and Rachel Cruze answer your questions and discuss:

"How can I make my money work for me after lending $200,000 to my ex?"
"Should I move my family across the country to accept a house that was gifted to us?"
"Should I open a business credit card or cash flow my business?"
"Should we sell our house to get completely out of debt?"
"I'm starting to doubt my plan for a $4.7 million settlement."
"Am I liable for my mother's expenses if she has to go into an assisted living facility?"
"I'm homeless and have $40,000 in debt, how do I get back on my feet in this situation?"
"We are getting a divorce and he wants to split the assets evenly, however I was the one that paid for everything. Is this fair?"
"I just got served a lawsuit from my credit card company, how should resolve this?"
"How do I navigate the strain of a divided inheritance?"

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

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

📊 ⁠Free Tools & Resources to Help You With Investing⁠

❤️‍🩹 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
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:

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

🔗 ⁠⁠⁠⁠Share the Ramsey 101 Playlist!⁠

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

Crisis Doesn’t Wait for You to Get Your Financial Act Together Jun 11, 2025

Dave Ramsey and George Kamel answer your questions and discuss:

"How do I navigate a convoluted family situation with buying my mom a house?"
"How can I settle my credit card debt before a court hearing?"
"Should I tithe on money that I am pulling out of investments?"
"Do I need to save for my fiancée's debt?"
"How do I know when it's time to change financial advisors?"
"My work colleagues convinced me to spend $800k on real estate. How do I pay this debt off?"
"Should I marry my boyfriend who is a broke financial advisor?"
"We had a bad experience with our first renter. Should we sell our rental?"

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

📖 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

📊 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:

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

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

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

Money’s Easy Until People Get Involved Jun 10, 2025

🔗 ⁠⁠⁠Share the Ramsey 101 Playlist!⁠

Dave Ramsey and Jade Warshaw answer your questions and discuss:

"My husband and I are fighting in Walmart over money problems."
"Should I quit my job to go to art school?"
"Should I move out of the house or focus on paying back my parents?"
"What should I do with a $500,000 inheritance?"
"How do you feel about those "buy homes for cash" companies?"
"We want a second child but we also have debt, what should we do?"
"How do I navigate family business conflict?"
"This guy I'm dating wants me to cash out my 401(k) to invest it all into crypto, what should I do?"
"How do I pay off my debt as a single mom with a part-time job?"

Next Steps:

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

📱 Download the free Ramsey Network app!

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

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

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

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

Connect with our Sponsors:

Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Aldi⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠
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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
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💸 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠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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Don’t Let Other People’s Chaos Wreck Your Progress Jun 09, 2025

🔗 ⁠⁠Share the Ramsey 101 Playlist!⁠

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

"Should I quit my job because my fiancee will be the breadwinner in our marriage?"
"Should I use my inheritance to pay off debt?"
"My parents took out a HELOC to help me fix my car. Should I prioritize them in my debt snowball?"
"My mother-in-law has been a serial cheater and lost $1m to an internet scammer."
"How do I encourage my kids to not go into debt for their master's degrees?"
"Should I adjust my retirement plans in case AI eliminates my job?"
"Should we stipulate in our will that our children must be debt free before receiving their inheritance?"
"Should I give away my wealth or leave it in my will?"

Next Steps:

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You Don’t Need a Shortcut—You Need a Strategy Jun 06, 2025

🔗 ⁠Share the Ramsey 101 Playlist!

Ken Coleman and George Kamel answer your questions and discuss:

"Can we use a mortgage loan to buy my dad's property?"
"I signed a $16,000 window replacement contract. Is there any way for me to get out of this bad deal?"
"I don't agree with what my brother and sister plan to do with my father's estate. Can I get out of this situation?"
"My fiancé controls all our finances and is gone all the time. How do I leave this relationship?"
"My boyfriend is irresponsible with his decisions and money. Should I leave him if he doesn't change his behavior?"

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Hard Decisions Today Bring Freedom Tomorrow Jun 05, 2025

🔗 ⁠⁠Share the Ramsey 101 Playlist!⁠

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

"Should I leave an inheritance to my children who won't speak to me?"
"My dad's car was impounded and we didn't pay the fines. Now it's being sent to collections, how do I help him in this?"
"My wife and I disagree on whether my son should help pay for his college."
"We've been struggling to survive month-to-month and we're behind on our debt. How do we get out of this?"
"Is it too late to get out of my debt consolidation program?"
"Is it a good idea to transfer my car loan balance to a balance transfer credit card?"
"I've been with my financially irresponsible boyfriend for 20 years and I'm fed up and don't know what to do."

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

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Debt Freedom Isn’t Fast—It’s Focused Jun 04, 2025

🔗 ⁠⁠Share the Ramsey 101 Playlist!⁠

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

"How do I support my family now that my husband is in jail?"
"My kid is not interested in managing my assets or my business. Should I donate everything instead?"
"Is my job worth the sacrifice of not being around family and friends?"
"Should we support a missionary who's being irresponsible with money?"
"Should I pay cash for one rental property or leverage debt to buy multiple at once?"
"Should I pull money from retirement to pay off debt?"

Next Steps:

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

🙋‍♂️ Submit your story to have a chance to be featured on 90 Day Money Makeover

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

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🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠

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Your Financial Spiral Will End When A Proven Financial Plan Begins Jun 03, 2025

⁠⁠⁠🔗 ⁠Share the Ramsey 101 Playlist!

Ken Coleman and Jade Warshaw answer your questions and discuss:

"Should there be a cap on credit card spending or is it not necessary as long as 15% is saved?"
"I sold my home and cashed out my retirement. I still have $63,000 in credit card debt and no way to pay it off"
"How do we get ahead while living paycheck-to-paycheck?"
"My girlfriend hasn't paid me back the money I loaned her,"
"My husband entered into a debt consolidation program without me. Is there a way for us to get out of this?"
"I leased a car and now owe $50,000 in mileage fees. I'm trying to settle with them but they won't send anything in writing"
"My girlfriend is pressuring me to buy a house, should I listen to her?"
"Is it okay to encourage my wife's family to sell their property?"
"My fiancée and I make less than $1,500 month, how do we get by with so little income?"

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

🛡️Protect yourself with the right coverage—take our coverage quiz!

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

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

❤️‍🩹 ⁠⁠⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠

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

Connect with our Sponsors:

Stop paying more and start shopping smarter at ⁠ALDI⁠
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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!
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:

🪑 ⁠⁠⁠⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠⁠⁠⁠

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You Can't Build Wealth with Financial Chaos Around You Jun 02, 2025

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

Jade Warshaw and Ken Coleman answer your questions and discuss:

"Should I take back my car from my brother?"
"Can we make our relationship work with financial differences?"
"Crazy manipulative" dad expects son to pay him $2,800 a month,
"Sell rental houses to invest in bitcoin?"
"I threatened the credit card companies and now I'm scared"

Next Steps:

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💵 ⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠ 🏠 ⁠⁠⁠⁠Get organized and prepared to buy or sell a home.⁠⁠⁠ 👩‍❤️‍💋‍👨 ⁠⁠⁠Get tickets for Money & Marriage Getaway.⁠⁠

Connect with our Sponsors:

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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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Dumb Debt Decisions Won't Accelerate Your Financial Growth May 30, 2025

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

Dave Ramsey and Jade Warshaw answer your questions and discuss:

"Should I be going further into debt to hire lawyers to fight a custody battle with my ex-wife?"
"How do we come up with a down payment to buy a Canadian fishing lodge?"
"My dad took out Parent PLUS loans for me and my sisters. He says it's our fault that he's broke and that we owe him."

Next Steps:

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📱 ⁠⁠Watch the full episode for free in the Ramsey Network app.⁠

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

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

💰 ⁠⁠⁠⁠⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠⁠⁠

❤️‍🩹 ⁠⁠⁠⁠Get trusted insurance coverage that fits your budget.⁠⁠⁠

Connect with our Sponsors:

Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠Aldi⁠⁠⁠⁠⁠⁠⁠⁠
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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
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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You Can’t Fix Your Money Problems Without Facing Them May 29, 2025

📈 ⁠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 buy a car in the midst of a divorce? "
"How do I pay off my $1.8 million of debt?"
"What do you think about companies displaying "tariff costs" on their prices? "
"How do I get my girlfriend and I on the same page financially?"
"Our mortgage broker won't put me on the mortgage because I don't have any credit"
"I'm behind on my bills, how do I get out of $35k of debt?".

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.⁠⁠⁠⁠⁠⁠⁠ 📱 ⁠⁠Watch the full episode for free in the Ramsey Network app.⁠

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💸 ⁠⁠⁠⁠⁠⁠⁠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

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The Faster You Attack Your Debt - The Faster You Achieve Financial Freedom May 28, 2025

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

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

"My aunt is trying to steal our inheritance. Should I help my mom cover lawyer fees?"
"I haven't filed taxes in 15 years, how do I apply for tax forgiveness?"
"I'm $180,000 in debt. How can I clean up this mess?"
"Should I go into student loan debt for a bachelor's degree?"
"How much should we spend to save our dog?"

Next Steps:

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

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The Most Loving Thing You Can Do Is Be Honest About Money May 27, 2025

📈 ⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠ 📱 Watch the full episode for free in the Ramsey Network app. Dave Ramsey & Jade Warshaw answer your questions and discuss:

Husband doesn't want to share his inheritance
My mom took out credit cards in my name
My terminally ill wife hid debt from me.
Sister-in-law wants us to pay for her vacation.
Am I doing the right things to leave a legacy?
My friend is committing fraud, what can I do?

Next Steps:

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Sacrifice Now To Secure Your Financial Future May 26, 2025

📈 ⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠ 📱 Watch the full episode for free in the Ramsey Network app. Ken Coleman and George Kamel answer your questions and discuss:

"I'm being quiet fired. What should I do?"
" I have eight different lines of credit and I'm drowning in minimum payments. What can I do?"
"Can I ask my employee for a breakdown of his personal finances so I can figure out how much to pay him?"
"How do I budget with my girlfriend after we move in together?"
"I lost money after my employer changed 401(k) providers. Is this normal?".

Next Steps:

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

Connect with our Sponsors:

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⛨ Find top Health Insurance Plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠

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🏛 Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ or call 844-2-RAMSEY
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Stop Obsessing Over Pennies While Ignoring the Plan May 23, 2025

📈 ⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠ 📱 Watch the full episode for free in the Ramsey Network app. George Kamel and Jade Warshaw answer your questions and discuss:

"Should we go through with a lawsuit to sue my brother?"
"How do I pay off debt and spend time with my daughter after my wife left us?"
"Should we take out a loan to build a mother-in-law suite?"
"Are mortgage companies that offer 1% down a legitimate way to get a house?"
"Should I continue paying my car off or have it voluntarily repossessed?"
"How can we work out way out of debt that we're underwater on?"
"Should I move in with my mom in order to pay off debt?"
"I feel bad spending money on a pool even though I'm on Baby Step 7"

Next Steps:

📞 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!

📈 For help with investing, get connected with a SmartVestor Pro. ❤️‍🩹 ⁠Get trusted insurance coverage that fits your budget.

Connect with our Sponsors:

🛒 Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠Aldi⁠⁠⁠⁠⁠

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📱Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!

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🔒 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

💻 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!

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Everyone Makes Financial Mistakes – Don’t Let Yours Define You May 22, 2025

📈 ⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠ 📱 Watch the full episode for free in the Ramsey Network app. Jade Warshaw and George Kamel answer your questions and discuss:

"How do we move forward with a bridge loan and a house that isn't sold?"
"My wife wants a divorce. How do I handle my finances while going through this?"
Jade and George discuss their biggest financial mistakes,
"My husband and I don't agree on where to live in retirement. How do we come to an agreement?"
"Should I sign up for a debt relief program?"
"My realtor doesn't want me to sell my rental. Is she right?"
"How do I cut up my credit cards when I love the reward points?"
"My car was repossessed and sold. How do I pay off the balance now?"
"Is it wrong to sell my wife’s engagement ring and band ? "

Next Steps:

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

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

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

Connect with our Sponsors:

🛒 Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠Aldi⁠⁠⁠⁠⁠

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📱Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ to switch today!

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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!

🥗 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

💻 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!

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Chasing Easy Money Always Ends in Regret May 21, 2025

📈 ⁠⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠ 📱 ⁠⁠⁠Watch the full episode for free in the Ramsey Network app. ⁠⁠⁠

George Kamel and Rachel Cruze answer your questions and discuss:

"Should I help my new husband pay off his debt?"
"Should my son hire an attorney to investigate a crypto scam?"
"Should I keep my job if I'm only making $850 a month?"
"I'm making $30-90k a month day trading. Should I get into real estate?"
"Should my husband and I help my Dad before he loses everything?"
Liam Payne, Who Died Without a Will, Left $32 Million Estate
The 3rd anniversary of #horsegate 🐴
"I don't feel like I'm getting what I deserve from the family business. How should I talk to my dad?"

Next Steps:

📞 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!⁠⁠⁠⁠⁠⁠⁠⁠

💰⁠⁠⁠⁠⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠⁠⁠⁠⁠

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

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

💻 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:

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

📈 ⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠ 📱 ⁠⁠Watch the full episode for free in the Ramsey Network app. ⁠⁠

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

You Won't Win With Money If You're Not Aligned With A Plan May 20, 2025

Rachel Cruze and Jade Warshaw answer your questions and discuss:

"How do I teach my daughter good money skills?"
"My wife doesn't want us to invest in the stock market, how do I convince her to do this?"
"My fiancée won a medical malpractice lawsuit and will get $1.3 million, how should we use this money?"
"Would it be a financial mistake to move to an expensive area in order to train in a prestigious program?"
"My fiancée is concerned about the terms in our prenup, how do we work through this?".

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.⁠⁠⁠⁠

💵⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠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. ⁠⁠⁠⁠

💰⁠⁠⁠⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway 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!

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You Can’t Build a Life You Love While Carrying Everyone Else’s Burdens May 19, 2025

📈 ⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠ 📱 Watch the full episode for free in the Ramsey Network app. John Delony and Jade Warshaw answer your questions and discuss:

"I'm $350k in debt with a baby on the way,"
"Is it realistic to have a wedding for $10,000?"
"My fiancée bought a home with her mother 20 years ago. How do we get her off the mortgage?"
"My dad retired at 49 then asked me to lend him money to pay off his debt"
"Does my girlfriend love me or just want to get married for citizenship?"

Next Steps:

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It’s Time to Grow Up and Own Your Life May 16, 2025

📈 ⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠ 📱 Watch the full episode for free in the Ramsey Network app. John Delony and George Kamel answer your questions and discuss:

"Should we financially support our mother after she was abusive to me and my siblings?"
"How do I recover after being scammed out of half my life savings?"
"How do I get my fiancé to commit to paying off his debt?"
"How do we balance saving for our kids' future vs. having more fun in the present?"
"How do we get out of the cycle of being underpaid and living in poverty?"
"My husband has no interest in combining our finances"

Next Steps:

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Focused People Build Wealth—Distracted People Stay Broke May 15, 2025

📈 ⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠ 📱 Watch the full episode for free in the Ramsey Network app. George Kamel and Rachel Cruze answer your questions and discuss:

"How do I get my husband to allow me to have my own money?"
"Do I need to start building my credit score at 19 years-old?"
"Should I be concerned that my girlfriend has no desire to work?"
"Is my phone bill debt?"
"How do convince my 17 year old son that day trading isn't a good way to make money?"
"I'm getting divorced and drowning in debt, what do I do?"
Current housing market trends,
"Can I afford a million dollar house?"

Next Steps:

📞 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!⁠⁠⁠⁠⁠⁠⁠

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Credit Is a Crutch—It’s Time to Walk Without It May 14, 2025

📈 ⁠⁠⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠ 📱 Watch the full episode for free in the Ramsey Network app. Ken Coleman and Rachel Cruze answer your questions and discuss:

"Can I 'divorce' my entitled children?"
"How do I recover from having my credit history wiped?"
"My agent keeps insisting I should keep my four whole life insurance polices."
"I struggle with giving money, does that make me a bad person?"
"My husband wants to sell our house and rent in order to pay off debt, but I don't want to do that."
"I'm worried I'm not going to be able to provide for my soon-to-be wife and child"
"How do I help my in-laws while we are working the Baby Steps? They currently don't have any retirement savings."

Next Steps:

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Life Happens—But Your Plan Doesn’t Have to Fall Apart May 13, 2025

Dave Ramsey and Ken Coleman answer your questions and discuss:

"How can I stay afloat since my husband stopped making child support payments?"
"We keep going into the red every month. What should we default on?"
"Should I disclose my net worth to my wife? I'm afraid of her bad spending habits getting worse"
"Is it true that 85% of shares in the stock market are owned by three major companies?"
"Should we move or remodel our house due to my wife's disability?"
"My husband and I are in the process of separating, how do I support myself financially after the divorce?"
Discussion of the stock market recovery.

Next Steps:

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You Can’t Win with Money if You Keep Borrowing It May 12, 2025

George Kamel & Jade Warshaw answer your questions and discuss:

"How do I get out of $520K in mortgages that my deceased father took out in my name?"
"My wife told me she wants a divorce. Should we stop paying off debt?"
"How specific should a budget be?"
"Should I pay off my HELOC in Baby Step 1 or 6?"
"I can't get life insurance due to a heart transplant so should I invest more instead?"
"I've been stuck on Baby Step 1 for three years. How do I stabilize my finances?"
"My husband and I disagree on how to pay for our beach house. What should we do?"

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.⁠⁠

🎟️ ⁠⁠⁠⁠⁠Dave Ramsey and John Delony are going on tour this month! Get tickets today⁠⁠ 🏠 ⁠⁠Get organized and prepared to buy or sell a home. ⁠⁠

💰⁠⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠⁠

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

Connect with our Sponsors:

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🔒 Get 20% off when you join ⁠⁠DeleteMe⁠⁠

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🥗 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

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Your Financial Mistakes Shouldn’t Define You May 09, 2025

George Kamel and Ken Coleman answer your questions and discuss:

"Should we sell or keep a house we regret buying?"
"How do I convince my husband to use our savings to pay off debt?"
"I bought a house with my ex-fiancé and now the house is going into foreclosure."
"How do I plan for future debt?"
"Should I focus on paying off the negative equity on my truck?"
"Do I need to get a credit card to build my credit?"
"My nephew is refusing to take care of his parents and the burden is now falling on us. How do we get him to start contributing?"

Next Steps:

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🎟️ ⁠Dave Ramsey and John Delony are going on tour this month! Get tickets today⁠

Connect with our Sponsors:

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🏦 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
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Stop Overthinking and Start Taking Action May 08, 2025

Jade Warshaw and Ken Coleman answer your questions and discuss:

"Are we using our sinking funds as a form of debt?"
"My In-laws built a suite attached to our house. We no longer like this arrangement, how do we get out of this?"
"Do I need to honor my grandmother's wishes in regards to the inheritance she left us?"
"Should we stop paying down our debt to buy an RV?".

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.⁠

🎟️ ⁠⁠⁠⁠Dave Ramsey and John Delony are going on tour this month! Get tickets today⁠ 🏠 ⁠Get organized and prepared to buy or sell a home. ⁠

💰⁠⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠⁠

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

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!

🥗 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

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🗂️ Use promo code RAMSEY for 18% off at ⁠The Nokbox⁠

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Your Bank Balance Is a Reflection of Your Habits May 07, 2025

Ken Coleman and Jade Warshaw answer your questions and discuss:

"Should I drain my savings to pay off debt if I have a one-year-old?"
"I'm 64 years old and my investments aren't making money,"
"How can I get out of a debt relief program?"
"How can I grow my savings while working on my career?"
"Should we share details about our financial situation with our kids?"
"How do I deal with a family member who brags about how much money she makes and spends?"
"How do we get out of $1M in debt?"

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

🎟️ ⁠⁠⁠Dave Ramsey and John Delony are going on tour this month! Get tickets today 🏠 Find a Ramsey Trusted Real Estate Agent

💰⁠Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!⁠

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!

🥗 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

💻 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
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Explore more from Ramsey Network:

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan 📱 Watch the full episode for free in the Ramsey Network app.

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Big Dreams Require Big Sacrifices May 06, 2025

Rachel Cruze and George Kamel answer your questions and discuss:

"Am I wrong to feel resentment towards my sister for taking advantage of our parents?"
"I feel like I might as well have truck payments considering how much I'm having to pay to fix my current truck,"
"Is there ever an appropriate time to stop investing into retirement?"
"I'm 46 and I just paid off my house, what's next?"
"Is being outrageously giving important when it doesn't feel right?"
"We're drowning in debt and don't know where to start,"
"Should I sell my house or keep renting it out for the income?"

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You Can Make Progress Even When It Feels Impossible May 05, 2025

Ken Coleman and Jade Warshaw answer your questions and discuss:

"Should I file for divorce to protect myself from my husband's dishonesty about his debt?"
"I purchased a home with my in-laws seven years ago. How do we get out of this without hurting them?"
"I'm being sued by two credit card companies. How do I get out of this mess?"
"My teaching job is wearing me down. Should I stay for the benefits?"
"I am supposed to go on a bachelorette trip with my friends but it's going to cost more than I expected"
"Unexpected bills keep blowing up my budget. Should I sell my investment property?"

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Smart Money Decisions Often Mean Sacrificing Today for Tomorrow May 02, 2025

📈 ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠ 📱 Watch the full episode for free in the Ramsey Network app.

Dave Ramsey & Jade Warshaw answer your questions and discuss:

How do we handle debts when dissolving a family business?
Our mortgage is going to be 50% of our income
Is it necessary to at some point get a credit card?
Is it ok to enjoy our money while we're still young?
Our landlord is starting to become hostile; should we move?
When is an emergency fund no longer necessary?

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Don’t Let Self-Limitations Keep You From Building Wealth May 01, 2025

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

"How do I protect myself and my children financially while going through a divorce?"
"Should we buy an investment property with my daughter's settlement money?"
"Am I being selfish if I don't pay for activities for my family at a destination wedding?"
"How do I convince my husband that work isn’t the only thing that matters?"
"My parents did not prepare for retirement, how do I help them?"
"My husband hid debt from me and now he wants to get a debt consolidation loan. Is this a good idea?"
"We committed to giving away a car, but it now needs expensive repairs. What should we do?"
"We have $200,000 in debt, should we sell our home to pay down our debt?"

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.⁠ 🎟️ ⁠⁠Dave Ramsey and John Delony are going on tour this month! Get tickets today⁠ 💰 Hurry—Your chance to win $5k is almost over! Enter the Ramsey Cash Giveaway today!

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Your Feelings Don’t Build Wealth — Discipline Does Apr 30, 2025

Dave Ramsey and Jade Warshaw answer your questions and discuss:

"What is my obligation to my future in-laws who make bad financial decisions?"
"How do I motivate my wife to get on board with becoming gazelle intense?"
"I'm being sued by an insurance company & my family wants me to file bankruptcy. What should I do?"
"I moved states to support my girlfriend but we broke up. Should I move back home?"
"Should I pull my investments out of the market and move them into real estate?"
"The board at my church wants to get a mortgage for a parsonage they can afford to buy in cash,"
"Can we afford a Cybertruck in our current financial 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.⁠ 💵 ⁠⁠⁠Start your free budget today. Download the EveryDollar app! 🏘️ ⁠Find a Ramsey Trusted Real Estate Agent⁠ 🛒 ⁠⁠⁠Get your copy of Build a Business You Love today ⁠ 🎟️ ⁠⁠Dave Ramsey and John Delony are going on tour this month! Get tickets today⁠

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🥗 Save 15% on your first ⁠Field of Greens⁠ order with code RAMSEY
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Budgeting Leads You out of Debt & Into Wealth Apr 29, 2025

Dave Ramsey and Rachel Cruze answer your questions and discuss:

"My boyfriend doesn't want to work. Is this a dealbreaker?"
"Should I take out a loan to start a business?"
"When can I start enjoying my retirement nest egg?"
"Is my mom responsible for my dad's credit card debt?"
"I have buyer's remorse after buying a classic car. Should I sell it?"
"Should we sell our house and move in with my in-laws to pay off debt?"
"I'm about to receive a $400k inheritance. How do I invest it?"
"Can we use our investments to help our children or wait until they inherit 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.⁠ ✏️ ⁠Enter the Teacher Appreciation Giveaway⁠💵 ⁠Start your free budget today. Download the EveryDollar app! 🏘️ ⁠⁠Find a Ramsey Trusted Real Estate Agent⁠ 🎟️ ⁠⁠Dave Ramsey and John Delony are going on tour this month! Get tickets today⁠

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Your Future Depends on What You Do Today Apr 28, 2025

Rachel Cruze & Jade Warshaw answer your questions and discuss:

"Am I being too harsh on my 18 year old?"
"Can we get a mortgage that will be 50% of my income?"
"Can you successfully build wealth without attending college?"
"Should I pause my debt snowball to buy an engagement ring?"
"I'm divorcing my husband at 19, how do I take care of my child going forward?"
"I'm going to owe $140,000 to the IRS, what's the best way to pay this off?"

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. 🛒 ⁠Get your copy of Build a Business You Love today 🏘️ Find a Ramsey Trusted Real Estate Agent 💵 ⁠⁠Start your free budget today. Download the EveryDollar app! 🎟️ ⁠Dave Ramsey and John Delony are going on tour this month! Get tickets today

Connect with our Sponsors:

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🥗 Save 15% on your first Field of Greens order with code RAMSEY
⛨ Find top Health Insurance Plans at Health Trust Financial
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💻 Visit NetSuite today to learn more
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Stop Messing Around & Follow the Plan That’s Proven To Work Apr 25, 2025

📱 Watch the full episode for free in the Ramsey Network. app

George Kamel and Jade Warshaw answer your questions and discuss:

"We're in the middle of a bankruptcy and now have $25k in home repairs,"
"Not having direct access to my savings scares me,"
"Is it okay to do my debt snowball out of order?"
"How can I help my adult son and daughter buy homes?"
"Should we pay down our house or wait until rates come down?,"
"Should I pay off my car or buy a hooptie?"

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.

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🎟️ Dave Ramsey and John Delony are going on tour this month! Get tickets today

Connect with our Sponsors:

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🔒 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
💻 Visit NetSuite today to learn more
🗂️ Use promo code RAMSEY for 18% off at The Nokbox
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When Are You Going To Clean Up Your Financial Mess? Apr 24, 2025

📱 Watch the full episode for free in the Ramsey Network. app

Dave Ramsey and Rachel Cruze answer your questions and discuss:

"My mother-in-law is threatening to sue us over a home they built on our property,"
"Should I pay to fix my car or have it voluntarily repossessed?"
"My boyfriend left me after finding out I'm pregnant. How do I prepare my finances?"
"My mom is being charged with federal embezzlement over an inheritance. What should we do?"
"My partner has massive amounts of credit card and student loan debt,"
"We bought a business and it's now failing. What should we do?"
"My fiancé and I are getting married next week and are dealing with financial issues from the North Carolina floods."

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.

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

🎟️ Dave Ramsey and John Delony are going on tour this month! Get tickets today

Connect with our Sponsors:

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🔒 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
💻 Visit NetSuite today to learn more
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Don’t Let Panic Influence Your Financial Decisions Apr 23, 2025

📱 Watch the full episode for free in the Ramsey Network app

Ken Coleman & Jade Warshaw answer your questions and discuss:

"We are falling behind on Baby Step 2. Should we get a debt consolidation loan?"
"How do we help my father-in-law get out of debt?"
"Should we change our rate of retirement investing?"
" I completely trashed my credit and now I can't find a place to rent,"
"Everyone is telling me to file for bankruptcy, what should I do?"
"What should I do with my $200,000 inheritance?"

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.

🎟️ Dave Ramsey and John Delony are going on tour this month! Get tickets today

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

Connect with our Sponsors:

🛒 Stop paying more and start shopping smarter at Aldi
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🔒 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
💻 Visit NetSuite today to learn more
🗂️ Use promo code RAMSEY for 18% off at The Nokbox
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Don’t Throw Away Your Long-Term Security for Quick Fixes Apr 22, 2025

📱 Watch the full episode for free in the Ramsey Network. app

Dave Ramsey and Jade Warshaw answer your questions and discuss:

"We lost our paid off home to a fire recently and it was severely under insured..."
"I'm about to fall behind on my payments and I have no income. How do I get out of this situation?"
"I have collection agencies coming after me. How do I negotiate with them?"
"We were in Baby Step 7 but now find ourselves back in Baby Step 2. Where do we go from here?"
"Should I cosign my daughter's student loan?"
"Should we take a loan from our parents to buy a house instead of selling our bitcoin?"

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.

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

🎟️ Dave Ramsey and John Delony are going on tour this month! Get tickets today

Connect with our Sponsors:

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🔒 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
💻 Visit NetSuite today to learn more
🗂️ Use promo code RAMSEY for 18% off at The Nokbox
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You Can’t Borrow Your Way to Freedom Apr 21, 2025

📱Finish today's episode for free in the Ramsey Network app.

Rachel Cruze & George Kamel answer your questions and discuss:

"Should I sell my car to get out from under the payment I can't afford?"
"How do I get out from under medical, credit card and personal loan debt?"
"We are being told not to pay for a house in cash,"
"Is opening a 0% interest credit card ever a good idea?"
"My husband refuses to plan for retirement. How do I get him on board with a plan?"
"I'm currently $234,000 in debt. Should I stop going on family vacations?"

Next Steps:

💪🏻 Take George's Side Hustle Quiz

✅ 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.

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🎟️ Dave Ramsey and John Delony are going on tour this month! Get tickets today

Connect with our Sponsors:

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🔒 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
💻 Visit NetSuite today to learn more
🗂️ Use promo code RAMSEY for 18% off at The Nokbox
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Money Stress Isn’t Always About Money Apr 18, 2025

📱 Watch the full episode for free in the Ramsey Network app.

While we are out for Good Friday, we've compiled some of our favorite Rachel and John calls from 2024. Enjoy the long weekend and we'll be back with a live show on Monday!

Rachel Cruze & John Delony answer your questions and discuss:

‘My parents are threatening to kick me out?’
'My girlfriend moved in but doesn't have a job’
‘I took my brother's job after he got fired.’
‘Why am I jealous of other people's income?'
‘Living paycheck-to-paycheck making $300K’
‘I can't afford rent, what can I do?’

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.

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

🛒 Get your copy of Build a Business You Love today

🎟️ Dave Ramsey and John Delony are going on tour this month! Get tickets today

Connect with our Sponsors:

🛒 Stop paying more and start shopping smarter at Aldi
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🔒 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
💻 Visit NetSuite today to learn more
🗂️ Use promo code RAMSEY for 18% off at The Nokbox
🎥 Get your tickets for The Chosen Season 5!
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Wealth Magnifies Who You Already Are Apr 17, 2025

📱 Watch the full episode for free in the Ramsey Network app.

Dave Ramsey and John Delony answer your questions and discuss:

"How do I teach an 18-year-old to budget when they are surrounded by wealth?"
"I was the beneficiary of a life insurance payout. My family is now telling me I have to share"
"How do I pay off an engagement ring that I bought with a credit card?"
"My wife consistently overdrafts her bank account. How do I deal with this?"
"Should I prioritize building my emergency fund over retirement savings and paying off my home?".

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Stick to the Plan Even When It’s Tough Apr 16, 2025

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Dave Ramsey and Jade Warshaw answer your questions and discuss:

"A company wants to use my land for a solar farm. What questions should I be asking them?"
"Should we pay off my girlfriend's student loans or my mortgage first?"
"Is it necessary to at some point get a credit card? My mom says it is, but I want to think otherwise,"
"I'm trying to follow the Baby Steps and it's not working. What am I doing wrong?"
"My wife feels like our budget is too restrictive. How do we figure out how much fun money to have?"
"I have a high income but a lot of debt. Should I pay off commercial debt or personal debt first?"

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It’s Not Too Late to Get Back on Financial Track Apr 15, 2025

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Dave Ramsey and George Kamel answer your questions and discuss:

"Should I settle with the creditor who sold my repossessed car?"
"How do I get out of my real estate investments?"
"When can we spend money on a vacation?"
"I'm 25 years old and $165,000 in debt,"
"I'm 64 with no retirement and I owe the IRS $70k,"
"Why do houses go up in value while cars go down?"

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You Can Move From Family Drama to Financial Peace Apr 14, 2025

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Dave Ramsey and Jade Warshaw answer your questions and discuss:

"My niece is trying to block us from my mom's estate,"
"How do we handle finances and kids in a second marriage?"
"Should I sell my truck?"
"My brother wants to borrow money from me,"
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Money Isn't the Problem—Your Behavior Is Apr 11, 2025

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George Kamel & Jade Warshaw answer your questions and discuss:

Moving to a different star but making less money
When pausing debt payoff makes sense
Taxes 101
"What is considered tithing?"
"Should we spend $30K on a vacation?"
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It’s Time to Stop Surviving and Start Taking Control Apr 10, 2025

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Rachel Cruze & Ken Coleman answer your questions and discuss:

"How do I pay off $65k in credit card debt?"
"How do I plan surprises for my wife?"
"How do I stop living paycheck-to-paycheck?"
"Was it a mistake to quit my job?"
"The tariffs are hurting my business,"
"My wife hasn't filed her taxes in 3 years,"

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You Can Still Escape the Debt Spiral Before It’s Too Late Apr 09, 2025

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

"My father-in-law left us a poorly maintained house that has taxes owed on it,"
"I have $40k of credit card debt,"
"How do I prioritize paying off student loans and other debts at a young age?"
"Are prepaid service plans a good idea?,"
"Should I help my dad get a debt consolidation loan?,"
"My husband has no interest in learning about our finances..."
"How do I get rid of my $1,200 car payment?"

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Money Stress Is Real, But So Is The Solution Apr 08, 2025

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Dave Ramsey & George Kamel answer your questions and discuss:

"My grandparents put their 4 homes in an LLC to keep us from moving away or selling to strangers,"
"Should I defer to my husband with our finances?"
"Should I start a side hustle or get a job?"
"Are there any good 'short term' investments?"
"Do we adjust my husband’s life insurance as he makes more money?"
"We're under threat of foreclosure,"
"I owe the IRS $45k in back taxes,"
"How do I build wealth in this economy?"

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Skip the Scams, Build Real Wealth Apr 07, 2025

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Dave Ramsey & Jade Warshaw answer your questions and discuss:

"Over half my income goes towards legal debt,"
"My investments aren't doing well..."
"My husband lost his 401(k) to a crypto scam,"
"How do I use proceeds from selling my cows?"
"Does the house payment percentage go up if you're a high earner?"
Why you shouldn't buy into the market drop fears.

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Stop Watching the Market—Start Building Wealth Apr 04, 2025

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George Kamel & Ken Coleman answer your questions and discuss:

"I was scammed by a family friend and I'm afraid to trust anyone now regarding investing,"
"I can’t afford to invest 15%,"
"Should I open a traditional IRA for the tax benefits?"
"Should I use a national debt relief plan?"
5 Tax Myths,
"What advice do you have regarding budgeting for scheduled withdrawals?"
"I can't afford to file bankruptcy..."

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Life Happens. Are You Going To Be Ready for It? Apr 03, 2025

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

"I made almost $200K last year and have nothing to show for it,"
"We owe $20k more on a car than it's worth,"
"Stop investing to save for a house?"
"I just found out my wages are being garnished,"
"Do you have advice for adult children discussing wills with their parents?"

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Don’t Give All Your Money to Banks and Wonder Why You’re Broke Apr 02, 2025

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Dave Ramsey & Rachel Cruze answer your questions and discuss:

"Are my future in-laws committing fraud?"
"My mortgage is 75% of my take home pay..."
"Should we put a big down payment on a house or a smaller one and invest the balance?"
"Should we move in with my Dad?"
"Your investing advice doesn't line up with life expectancy statistics..."
"I fight with my girlfriend about money"

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Discipline Is the Key to Building Wealth Apr 01, 2025

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Dave Ramsey & Ken Coleman answer your questions and discuss:

"I’m dating a man who thinks 401k investing is a scam,"
"How do I build wealth making $65k a year?"
"What changed your mind about personal tax preparation?"
"Is it crazy to turn down a job right now?"
"Do I need to sell my classic car?"
"My husband wants to keep our 'tax write-off' debt,"

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Normal Is Comfortable, but Comfort Doesn’t Build Wealth Mar 31, 2025

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Dave Ramsey and Jade Warshaw answer your questions and discuss:

"I feel like I'm in a hole and can't get out,"
"How do I discuss wedding contributions with family?"
"My husband and I have no retirement savings..."
"I was fired and I'm struggling to find a new job,"
"Should I turn my side hustle into a business?"

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Face Debt Head-On Before It Destroys Your Family Mar 28, 2025

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

While the show hosts are on the Ramsey Cruise for the week, we've compiled some of our favorite Rachel and George calls from 2024. Enjoy your weekend and we'll be back with a live show on Monday!

Rachel Cruze & George Kamel answer your questions and discuss:

‘I took a pay cut to keep my family together?’
‘I owe $130K and make $24K, what can I do?’
‘My ex-boyfriend left me with an RV’
‘I'm living in my car, what should I do?'
‘My husband took out credit cards for our kids’
'We're $392K in debt, what can we do?'

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Next Steps

📱 Watch the full episode for free in the Ramsey Network app.

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

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

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Surviving the Money Storm Starts with Tough Choices Mar 27, 2025

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

While the show hosts are on the Ramsey Cruise for the week, we've compiled some of our favorite Jade and Ken calls from 2024. Enjoy your week and we'll be back with a live show soon!

Jade Warshaw & Ken Coleman answer your questions and discuss:

‘Girlfriend wants to borrow $12K from me’
‘My house caught fire four days before selling’
‘My car is getting repossessed, what can I do?’
‘I'm getting $3.1M from my divorce settlement'
‘I'm $2.5M in debt, what can I do?’
'I had a great work review but I got a $.50 raise.'

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💻 Visit NetSuite today to learn more
🗂️ Use promo code RAMSEY for 18% off at The Nokbox
🎥 Get your tickets for The Chosen Season 5!
💵 Learn more about Timothy Plan
🏛 Get started with YRefy or call 844-2-RAMSEY
🔐 Visit Zander Insurance for your free instant quote today!

Next Steps

📱 Watch the full episode for free in the Ramsey Network app.

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

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

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Your Overspending Will Eventually Catch Up With You Mar 26, 2025

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

While the show hosts are on the Ramsey Cruise for the week, we've compiled some of our favorite Rachel and Jade calls from 2024. Enjoy your week and we'll be back with a live show soon!

Rachel Cruze & Jade Warshaw answer your questions and discuss:

‘ Living paycheck to paycheck making $455K.’
'It seems like I'm completely broke all the time’
‘Will paying off debt cause our credit to drop?’
‘How do I convince my dad to sell his Mercedes?'
‘My wages are being garnished, what can I do?’
'In dating, when do you discuss "non-negotiables."'

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⛨ Find top Health Insurance Plans at Health Trust Financial
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💻 Visit NetSuite today to learn more
🗂️ Use promo code RAMSEY for 18% off at The Nokbox
🎥 Get your tickets for The Chosen Season 5!
💵 Learn more about Timothy Plan
🏛 Get started with YRefy or call 844-2-RAMSEY
🔐 Visit Zander Insurance for your free instant quote today!

Next Steps

📱 Watch the full episode for free in the Ramsey Network app

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

💵 Start your free budget today. Download the EveryDollar app

🤓 File your taxes with 100% accurate software that’s 20% of the price

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How The Baby Steps Protect You From Financial Uncertainty Mar 25, 2025

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

While the show hosts are on the Ramsey Cruise for the week, we've compiled some of our favorite Dave and Ken calls from 2024. Enjoy your week and we'll be back with a live show soon!

Dave Ramsey & Ken Coleman answer your questions and discuss:

‘I feel discouraged about money'
'Husband's union might go on strike soon.’
‘I can't get caught up on my bills’
‘My ARM is resetting soon, what can I do?'
‘Is it smart to get into an AirBnB?’
'Preparing for my wife to possibly lose her job'

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💻 Visit NetSuite today to learn more
🗂️ Use promo code RAMSEY for 18% off at The Nokbox
🎥 Get your tickets for The Chosen Season 5!
💵 Learn more about Timothy Plan
🏛 Get started with YRefy or call 844-2-RAMSEY
🔐 Visit Zander Insurance for your free instant quote today!

Next Steps

📱 Watch the full episode for free in the Ramsey Network app.

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

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

🛒 Preorder Build a Business You Love Now at Ramsey Solutions

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Debt Isn't The Problem - Your Mindset Is Mar 24, 2025

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

While the show hosts are on the Ramsey Cruise for the week, we've compiled some of our favorite Dave and Jade calls from 2024. Enjoy your week and we'll be back with a live show soon!

Dave Ramsey & Jade Warshaw answer your questions and discuss:

‘Son asked me to bail him out of $200K tax debt’
'Is it dumb to take out a business loan?’
‘We've lost a ton of money with no end in sight’
‘Do cost-of-living raises cause more inflation?'
‘I owe the IRS $100K with my ex-husband’
'Is it wrong to build wealth?'

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💻 Visit NetSuite today to learn more
🗂️ Use promo code RAMSEY for 18% off at The Nokbox
🎥 Get your tickets for The Chosen Season 5!
💵 Learn more about Timothy Plan
🏛 Get started with YRefy or call 844-2-RAMSEY
🔐 Visit Zander Insurance for your free instant quote today!

Next Steps

📱 Watch the full episode for free in the Ramsey Network app.

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

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

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Stop Letting Other People's Problems Ruin Your Finances Mar 21, 2025

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

While the show hosts are on the Ramsey Cruise for the week, we've compiled some of our favorite George and John calls from 2024. Enjoy your weekend and we'll be back with a live show soon!

George Kamel & John Delony answer your questions and discuss:

‘I have $160K of debt, file for bankruptcy?.’
'How do I stop giving to my ex-daughter-in-law?’
‘How do I get my wife to spend less?’
‘Can we trust the Dollar for the next 30 years?'
‘Is it wrong to work in an industry that sells debt?’
'How do I buy a property with my adult kids?'

Support Our Sponsors:

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🥗 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
💻 Visit NetSuite today to learn more
🗂️ Use promo code RAMSEY for 18% off at The Nokbox
🎥 Get your tickets for The Chosen Season 5!
💵 Learn more about Timothy Plan
🏛 Get started with YRefy or call 844-2-RAMSEY
🔐 Visit Zander Insurance for your free instant quote today!

Next Steps

📱 Watch the full episode for free in the Ramsey Network app.

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

🤓 File your taxes with 100% accurate software that’s 20% of the price.

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Quit Trying to Outearn Your Stupidity! Mar 20, 2025

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

Dave Ramsey & Rachel Cruze answer your questions and discuss:

"38% of homes are owned by Boomers. What happens to the market when they start to die?"
"Should I continue to take out student loans?"
"I won over $200,000 on a game show and don't know what to do with it,"
"How do I financially prepare for the loss of my vision?"
"How do we navigate my wife's social media blowing up and lots of money coming our way?"
"My husband is an avid Ramsey fan and says that we cannot buy a new car"

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💻 Visit NetSuite today to learn more
🗂️ Use promo code RAMSEY for 18% off at The Nokbox
🎥 Get your tickets for The Chosen Season 5!
💵 Learn more about Timothy Plan
🏛 Get started with YRefy or call 844-2-RAMSEY
🔐 Visit Zander Insurance for your free instant quote today!

Next Steps

📱 Watch the full episode for free in the Ramsey Network app.

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

🎟️ See Dave Ramsey and Dr. John Delony LIVE in a city near you

❤️‍🩹 Get trusted insurance coverage that fits your budget.

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

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You Don’t Need a Raise, You Need a Plan Mar 19, 2025

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

Rachel Cruze & Ken Coleman answer your questions and discuss:

"My new husband and I both have major trust issues when it comes to money,"
"We are $25k upside down on a truck,"
"Should I rent a studio to my parents?"
"How we can remain content while renting over the next 24 months?"
"How do I protect myself if I move in with my boyfriend?"

Support Our Sponsors:

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🥗 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
💻 Visit NetSuite today to learn more
🗂️ Use promo code RAMSEY for 18% off at The Nokbox
🎥 Get your tickets for The Chosen Season 5!
💵 Learn more about Timothy Plan
🏛 Get started with YRefy or call 844-2-RAMSEY
🔐 Visit Zander Insurance for your free instant quote today!

Next Steps

📱 Watch the full episode for free in the Ramsey Network app.

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

💵 Sign up for a free training with our EveryDollar team!

🤓 File your taxes with 100% accurate software that’s 20% of the price.

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Hope Is the Difference Between Victim and Victor Mar 18, 2025

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

Dave Ramsey & George Kamel answer your questions and discuss:

"Every time we talk about getting out debt, it turns into a fight,"
"Should I invest in real estate or look for a job?"
Dave explains wealth inequality in 2025,
"Getting my parents to work the Baby Steps,"
"Should I set up a line of credit for my business?"

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Next Steps

📱 Watch the full episode for free in the Ramsey Network app.

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

❤️‍🩹 Get trusted insurance coverage that fits your budget.

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Slow and Steady Wins the Race Every Time Mar 17, 2025

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

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

"My company wants to sign me a 5-year deal,"
"How do we work on finances while separated?"
"How much should we save for a house?"
"We won a hunting trip to Africa - should we spend the money to go or save for a house?"
"How do I get out of two Whole Life policies?"
"How do I build credit without credit cards?"

Support Our Sponsors:

🌱 Get 10% off your first month of BetterHelp
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💻 Visit NetSuite today to learn more
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🎥 Get your tickets for The Chosen Season 5!
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Next Steps

📱 Watch the full episode for free in the Ramsey Network app.

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

🤓 File your taxes with 100% accurate software that’s 20% of the price.

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It’s Time To Cut Debt out of Your Life! Mar 14, 2025

George Kamel & Ken Coleman answer your questions and discuss:

"I feel like we'll never catch up on our retirement savings,"
"Will cutting up my card get me in trouble?"
"Is it greedy to counter-offer a promotion?"
"I can't morally invest in the S&P 500,"
"How do I break down annual/semi-annual insurance payments into a monthly budget?"
"My car was repossessed this morning..."

Support Our Sponsors:

🌱 Get 10% off your first month of BetterHelp
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🥗 Save 15% on your first Field of Greens order with code RAMSEY
⛨ Find top Health Insurance Plans at Health Trust Financial
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💻 Visit NetSuite today to learn more
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💵 Learn more about Timothy Plan
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Next Steps

💰 Learn more about creating a sinking fund in EveryDollar

📱 Watch the full episode for free in the Ramsey Network app.

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

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🤓 File your taxes with 100% accurate software that’s 20% of the price.

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Don’t Let Your Present Reality Define Your Future Mar 13, 2025

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

"My parents sold their farm 2 years ago to my sisters for $1,"
"How do I pay off $230k of student loans?"
"I can't drive my truck due to a title issue,"
"What's the impact of pausing retirement?"
"My husband wants to amend our prenup,"
"My husband isn't on board with the Baby Steps"

Support Our Sponsors:

🌱 Get 10% off your first month of BetterHelp
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💻 Visit NetSuite today to learn more
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💵 Learn more about Timothy Plan
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Next Steps

📱 Watch the full episode for free in the Ramsey Network app.

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

🛒 Preorder Build a Business You Love Now at Ramsey Solutions

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

🤓 File your taxes with 100% accurate software that’s 20% of the price.

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

💰 Don’t pay extra for simple tax filing needs. File your taxes with 100% accurate software that’s 20% of the price

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This Is How You Take Control of Your Own Life Mar 12, 2025

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

"My mother has been paying my sister's debt,"
"How do we increase our business revenue?"
"Take a pay cut to do work I'm passionate about?"
"Should I file for bankruptcy?"
"How do I tithe on a gift of $850k in stock?"

Support Our Sponsors:

🌱 Get 10% off your first month of BetterHelp
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🥗 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
💻 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!

Next Steps

📱 Watch the full episode for free in the Ramsey Network app.

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

🤓 File your taxes with 100% accurate software that’s 20% of the price.

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Make Decisions Based on Guidelines, Not Headlines Mar 11, 2025

Ken Coleman & George Kamel answer your questions and discuss:

"My wife has been hiding credit cards from me,"
"I signed up a loan not realizing that the interest is 48%..."
"Can I afford to buy a home?"
"We make $130k and still overspend,"
"My company is getting hit hard by the tariffs,"
"My mother added me to her credit card. I've removed myself but what how do I get it off my credit report?"
"I've fallen into the personal loan trap and I can't get out!"

Support Our Sponsors:

🌱 Get 10% off your first month of BetterHelp
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🏦 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
💻 Visit NetSuite today to learn more
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Next Steps

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Math Is Important but Behavior Change Is What Matters Mar 10, 2025

Ken Coleman & Jade Warshaw answer your questions and discuss:

"My fiancé is 4 months behind on his mortgage"
"I'm raising my grandkids but I'm falling behind"
"My husband doesn't think we need to be frugal"
"Our mortgage rate keeps changing"

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Next Steps

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You Have To Mentally Take Debt Off The Table If You Want Financial Peace Mar 07, 2025

Jade Warshaw & Rachel Cruze answer your questions and discuss:

"My husband is a dentist and we're still broke"
"I went into debt for my sister's car"
"Cancel my vacation after losing my job?"
"How do I get out of a debt settlement contract?"
"How do I get caught up on retirement?".

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Next Steps

📱 Watch the full episode for free in the Ramsey Network app.

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here💼For business and leadership insight, listen to The EntreLeadership Podcast.

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🎟️ See Dave Ramsey and Dr. John Delony LIVE in a city near you

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If You're Intentional With Money, You Can Win With Money Mar 06, 2025

Dave Ramsey & Ken Coleman answer your questions and discuss:

"How do I handle my finances after a separation?"
"Should we fight late payment reports?"
"How can I live on my own after a breakup?"
"Stop investing in order to tithe more?".

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Next Steps

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📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

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

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Your Financial Journey Is a Marathon, Not a Sprint Mar 05, 2025

Dave Ramsey & Rachel Cruze answer your questions and discuss:

"What should I do with my late daughter's estate?"
"How would you handle the national debt?"
"I'm nervous to combine finances with my fiancé"
"Should I upgrade my car to impress the ladies?"
"Balancing the Baby Steps with mental health".

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Next Steps

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📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

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

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❤️ Get Tickets to the Money & Relationships Tour

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Don't Chase Money, Chase Freedom Mar 04, 2025

Dave Ramsey & George Kamel answer your questions and discuss:

"What should I do after winning $3m?"
"I feel pressured to buy a house"
"Should I accept a financial gift from my mom?"
"Is the time cost worth working two jobs?"
"Should I sell my home to pay off debt?".

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Next Steps

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📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

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Stop Letting Excuses Steal Your Wealth Mar 03, 2025

Ken Coleman & Jade Warshaw answer your questions and discuss:

"Should I use my fiancé's retirement to pay off debt?"
"We are overwhelmed by $150k of debt,"
"How do I pay off a credit card my parents gave me?"
"Should I get my parents to drop their universal life policy?"
"How do I talk to my fiancée about money?"

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Next Steps

📱 Watch the full episode for free in the Ramsey Network app.

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

🤓💸💰 File your taxes with 100% accurate software that’s 20% of the price.

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You Have to Know Where You Are Financially to Know Where You're Going Feb 28, 2025

Ken Coleman & George Kamel answer your questions and discuss:

"My husband is calling me a hypocrite"
"I owe my dad 50k for medical expenses"
"Am I responsible for my parents' debt?"
"Am I good at day trading?"
"How can I teach my kids about money?".

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Next Steps

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📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

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Quit Letting Broke People Give You Financial Advice! Feb 27, 2025

Dave Ramsey & Jade Warshaw answer your questions and discuss:

"My dad won't tell my brother that he is getting next to nothing from dad's will.."
"I'm 18 years-old and already have $110k of debt,"
"My dad got two credit cards in my name,"
"My wife and I are worried that we're leaving too much inheritance to our kids,"
"If I were your son, how soon would you recommend buying a house?"
"My family keeps trying to find out my income,"

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Next Steps

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Go Slow: Never Invest in What You Don’t Understand Feb 26, 2025

Dave Ramsey & Rachel Cruze answer your questions and discuss:

"Are we actually ready to buy a home?"
"What does generosity look like for us beyond the tithe?"
"Where do we even begin investing?"
"How is it considered ethical for people to own so many homes?"
"My wife took out credit cards behind my back,"
"Would a wedding budget of $20,000 be unreasonable?"

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Next Steps

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📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

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Cut Debt out of Your Life! (Literally) Feb 25, 2025

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

"My husband is telling me to stay in my lane..."
"How much should I spend on an engagement ring?"
"Should I cut up my credit cards?"
"How do I select a good SmartVestor Pro?"
"Should I add an authorized user on my credit card?"
"Should I help my birth family with money?"
"How do I have hard money conversations with my parents?"
Top Myths About Wills and Insurance—and Why They’re False.

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Next Steps

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What Are You Willing To Give Up for Financial Freedom? Feb 24, 2025

Jade Warshaw & George Kamel answer your questions and discuss:

"Should we pay for my wife to get plastic surgery?"
"How do I retire at 26 years-old?"
Asking for a Friend: What is a Reverse Mortgage?
"How do I help take care of my sister?"
"I can't seem to cancel my group life policy,"
"Can I afford to go on vacation in Thailand?"

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Next Steps

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Money Is a Tool To Create a Life You Love Feb 21, 2025

Rachel Cruze & George Kamel answer your questions and discuss:

"I feel guilty using child support money"
"Should I pay off higher interest debt first?"
"Can we afford our dream vacation?"
"I just found out my boyfriend is $70k in debt"
"My brother opened a 529 for my son".

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Next Steps

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Attack Your Debt Instead of Letting It Attack You Feb 20, 2025

Dave Ramsey & George Kamel answer your questions and discuss:

"I owe money on 27 different credit cards,"
"I lost my job and can't pay my rent,"
"How should we rent a home to our parents?"
"What should I do with $650k of Tesla stock?"
"Is it irresponsible to go to Brazil while in debt?"
"Are we responsible for Mom's debt and reverse mortgage?"

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Next Steps

📱 Watch the full episode for free in the Ramsey Network app.

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

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

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Small Changes Now Mean Big Wins Later Feb 19, 2025

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

"My mom abuses my father and he refuses to stand up to her,"
"Should I file bankruptcy?"
"Why can't my husband understand that money doesn't excite me like it does him?"
"How do we grow our business and pay off debt?"
Dave & John interview millionaires to find out how they built their wealth.

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Next Steps

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Building Wealth Is Hard but Being Broke Is Harder Feb 18, 2025

Dave Ramsey & Jade Warshaw answer your questions and discuss:

"My wife has been hiding her gambling debt from me,"
"God told me to buy specific crypto currency. Should I sell it?"
"Should I sell my car?"
"How do I talk to my family about creating a will?"
"Am I too old to get out of debt?,"
"My sister-in-law wrongfully placed my aunt in a nursing home."

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Next Steps

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📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

❤️ Get away with your spouse in Nashville

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Don’t Wait for Someone Else To Fix Your Life Feb 17, 2025

Dave Ramsey & Ken Coleman answer your questions and discuss:

"My mother lost millions in a romance scam,"
"In-laws are upset that I haven't paid them back,"
"How will President Trump's tariffs affect me personally?"
"Should I help pay my girlfriend's expenses?"
"How can I help my 71-year-old mother who has no retirement income make it for another 15 years?"

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Next Steps

📱 Watch the full episode for free in the Ramsey Network app.

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The Key to Financial Success: Slow and Steady Feb 14, 2025

George Kamel & Ken Coleman answer your questions and discuss:

"We were sold a home illegally"
"How do I turn $30k into $300k?"
"How do we budget on an inconsistent income?"
"What should we do with an inherited rental?".

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Next Steps

📱Watch the full episode for free in the Ramsey Network app.

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

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

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Break the Cycle of Financial Self-Sabotage Feb 13, 2025

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

"I can't afford my mortgage after divorce,"
"I'm conflicted about staying home with my son,"
"Should I buy a home with my boyfriend?,"
"Budgeting for kid’s travel sports in Baby Step 2,"
"I don't trust my husband enough to have joint bank accounts,"
"I feel like my business is unevenly split"

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Next Steps

📱Watch the full episode for free in the Ramsey Network app.

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

📙 Check out George Kamel's Breaking Free From Broke today.

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❤️ Strengthen your marriage in Nashville this Fall

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Nobody Builds Wealth by Accident Feb 12, 2025

Rachel Cruze & Jade Warshaw answer your questions and discuss:

"My husband hides everything regarding our finances,"
"Should I get a traditional job?"
"How do I save up for a divorce?"
"My in-laws want to gift us a partnership, should we accept?"
"I'm $200k in debt and unemployed,"
"My wife wants to move but we can't afford it; how do I tell her?"

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Next Steps

📖 Check out our State of Personal Finance study

📱Watch the full episode for free in the Ramsey Network app.

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

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

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The Key to Transformation Is Admitting You Have a Problem Feb 11, 2025

Jade Warshaw & Ken Coleman answer your questions and discuss:

"I'm scared my impulse buying will put my family in jeopardy,"
"Should I wait to pay off my credit card debt?"
"Should I take out a HELOC and invest those funds?"
"How do I get out of a $33k car loan?"
"My mother-in-law stole $13k from us,"
"Do single people have a shot at purchasing a house?"

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Next Steps

📱Watch the full episode for free in the Ramsey Network app.

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

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You Need To “Happen” to Your Life Instead if It Happening to You Feb 10, 2025

Ken Coleman & Jade Warshaw answer your questions and discuss:

"I'm about to be behind on my payments,"
"Should I keep more than $1k for emergencies?"
"Do we take some equity out of our home in order to buy a vehicle?"
"Should I renew my lease with my girlfriend?"
"My house payment is 55% of my income.."
"My credit card debt is crashing down on me"

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Next Steps

📱Watch the full episode for free in the Ramsey Network app.

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

⛓️‍💥 Check out George Kamel's Breaking Free From Broke today.

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

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💼 Connect with a RamseyTrusted tax pro for help with payroll and more

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The Baby Steps Break You out of the Paycheck-to-Paycheck Cycle Feb 07, 2025

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

"I can’t convince my girl friend to get off credit cards,"
"My dad is pressuring me to take out a car loan,"
"How do I stop living paycheck-to-paycheck?,"
"My girlfriend has $470k in students loans and is asking me if there's going to be a proposal soon..."
"Should I pay for a house that isn't in my name?"

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Next Steps

📱 Watch the full episode for free in the Ramsey Network app.

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

💼 Connect with a RamseyTrusted tax pro for help with payroll and more

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Make Money Choices Today That You Won’t Regret Tomorrow Feb 06, 2025

Ken Coleman & Jade Warshaw answer your questions and discuss:

"I can’t find a job after getting divorced,"
"We're about to receive $1 million,"
"Is my direct marketing business going to cost me more than I earn?"
"How should we fund our kids' 529s?"
"Should I still buy a home with my boyfriend?,"
"My parents want me to pay them back,"

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Next Steps

📱 Watch the full episode for free in the Ramsey Network app.

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

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Big Life Changes Demand Bold Money Decisions Feb 05, 2025

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

"How do I tell my husband he needs to suck it up and get a better job?"
"Should I pay off a rental property?"
"I'm worried about my siblings depleting their portion of our inheritance,"
"My daughter claims that her classmates are spending $20/day for take-out lunches,"
"We're debt-free but living paycheck-to-paycheck,"
"Can I afford a luxury watch?"

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Next Steps

📱 Watch the full episode for free in the Ramsey Network app.

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

☂️ Get trusted insurance coverage that fits your budget.

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Getting Your House In Order Is The First Step To Financial Success Feb 04, 2025

Ken Coleman & George Kamel answer your questions and discuss:

"I hit a moose with my father-in-law's car"
"My parent's house is being foreclosed on"
"Should I get my ex's wages garnished?"
"My husband thinks I should cash out my stock portfolio and pay off our mortgages".

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Next Steps

📱 Watch the full episode for free in the Ramsey Network app.

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

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There’s No Fast Track to Financial Freedom Feb 03, 2025

Jade Warshaw & George Kamel answer your questions and discuss:

"I'm 18 and make $15k a week by day trading"
"Should I accept a job offer located in Dubai?"
" I don't know where my money keeps going"
"Should I take Trump's employee buyout offer?"
"How do we financially prepare for a baby?".

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Next Steps

📱 Watch the full episode for free in the Ramsey Network app.

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

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If You Live Fake Rich, You Will Become Real Broke! Jan 31, 2025

Rachel Cruze & George Kamel answer your questions and discuss:

"My mortgage is 50% of my income"
"My friend won't let me repay him"
"We're $412k in debt and I just lost my job"
"My sister-in-law passed without a will".

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Next Steps

📱 Watch the full episode for free in the Ramsey Network app.

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Normal Is Broke and in Debt. Do You Want To Be Normal? Jan 30, 2025

Ken Coleman & George Kamel answer your questions and discuss:

"Is it too late to save for retirement at 60?"
"I can't contribute enough to our wedding fund,"
"Have you changed your stance on bitcoin?"
"We are being forced into a consolidation loan,"
"Should I wait for home prices to go down?"
"Is it better to invest in a target date index fund that will adjust risk as I age?"

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Next Steps

📱 Watch the full episode for free in the Ramsey Network app.

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or send us an email.

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Be the Tortoise Not the Hare Jan 29, 2025

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

I'm bringing a ton of debt into our new marriage,"
"Should I keep putting my money into Bitcoin?"
"Should I sell the truck I bought with my grandfather?"
"When should I move out of my mom's house?"
"Should I help my husband pay off his debt?"
"Is Webull a good platform to start investing?"

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Next Steps

📱 Watch the full episode for free in the Ramsey Network app.

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

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Building Wealth Happens One Baby Step at a Time Jan 28, 2025

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

"When do we stop investing and start giving?"
"My ex wants to spend way too much on our kid,"
"How do I stop having 'retirement guilt'?"
"Can we upgrade our home when we retire?"
"I'll never be able to match my fiancée's lifestyle,"
"We might lose our dream home."

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Next Steps

📱 Watch the full episode for free in the Ramsey Network app.

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

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

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Your Future Self Deserves Better Choices Today Jan 27, 2025

💳 Share your thoughts and you could WIN a $500 Gift Card!

Rachel Cruze & Jade Warshaw answer your questions and discuss:

"My in-laws offered us money to move closer,"
"How do I save for a house on a low income?"
"Should I keep investing 75% of my income?"
"I'm worried about disappointing my parents,"
"Should I sell my car to pay for school?"
"My husband won’t put me on our house deed,"

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Introduction: The Ramsey Show Jan 25, 2025

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

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If You Want to Build Wealth, Stop Acting Like Everyone Else Jan 24, 2025

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

Ken Coleman & Rachel Cruze answer your questions and discuss:

"Our millionaire in-laws are unwilling to discuss their will,"
"My fiancée and I have $155k of debt,"
"My fiancée grew up in a different money culture – how do I get her on board with the Baby Steps?"
"How do I use my investments to build a home?"
"I feel selfish for working so much to pay off debt,"

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Next Steps

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Don’t Become a Victim of Your Circumstances Jan 23, 2025

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Ken Coleman & George Kamel answer your questions and discuss:

"How do I get my girlfriend to move with me?"
Buying a home with no credit score,
"I live in New York and I'm miserable,"
"Should I divorce my spending addict husband?"
"Are we paying off the mortgage too quickly"
"My in-laws can't manage their finances and moved in with us."

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Next Steps

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You Can Build Wealth No Matter Where You Are in Life Jan 22, 2025

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

"I'm 66 and have nothing saved for retirement,"
"Are we obligated to support my uncle?"
"I think moving to Texas was a bad decision,"
"How do I deal with a spouse that wants to spend everything in the bank account?"
"I'm $40k in debt and behind on my credit cards,"
"How do I budget on an irregular income?"

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Next Steps

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📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

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Do You Have Too Much Month Left at the End of Your Money? Jan 21, 2025

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Ken Coleman & Jade Warshaw answer your questions and discuss:

"I'm $115k in debt at 19and don't know what to do,"
"Should we pay off the IRS first?"
"My husband isn't being upfront with our finances,"
"Should we finance a kitchen renovation?"
Jade and Ken discuss the inauguration and tarrifs,
Wages vs. Inflation.

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Next Steps

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It’s Never Too Late to Start Building Wealth Jan 20, 2025

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

"Is it too late to invest for the future?"
"I was involved in a horrible financial scam,"
"Should I use my trust fund to pay off my fiancée's debt?"
"Do I need to pay off loan my husband secretly took out before he died?"
"How can I pay off a ballooning HELOC?"
"Am I selfish for not wanting to see my in-laws?"

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Next Steps

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Are You Ready To Go Scorched Earth on Your Debt? Jan 17, 2025

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

"My ex-husband is coercing our daughter into a $600,000 mortgage,"
"How do I start investing for retirement?"
How the California wildfires impact everyone,
"We think a bank employee is embezzling money from our bank account,"
"My parents bought whole life insurance for me as a child,"
"We regret purchasing a fixer-upper,"
"Borrow from my 401(k) to pay off debt?"

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Next Steps

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📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

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The Road to Financial Freedom Begins With Hard Choices Jan 16, 2025

💸 Start taking control of your money in 2025 at our free livestream

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

"Should I re-home my dog to pay off debt?"
"How do we start saving for retirement?,"
"We don't want to get married,"
"Is it time for us to move out of California?"
"My parents asked me to loan them 50k so they could put a down payment down on a house"

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Next Steps

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Draw a Line in the Sand and Say “I’m Done!” Jan 15, 2025

💸 Start taking control of your money in 2025 at our free livestream

George Kamel & Ken Coleman answer your questions and discuss:

"I'm $68k in credit card debt, should I file bankruptcy?"
"Can I go back into debt to upgrade our house?"
"How do I figure out what a "fair" salary is?"
"Is it too late for me to start investing at 65?"

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Next Steps

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There’s Always a Way out of a Financial Spiral Jan 14, 2025

💸 Start taking control of your money in 2025 at our free livestream

Ken Coleman & Jade Warshaw answer your questions and discuss:

"Should I buy less healthy food to save money?"
"What should we do with a large financial gift?"
"I just started college and I hate it,"
My sibling got an inheritance and I didn't..."
"We're $500k in debt and the interest is killing us"

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Next Steps

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Be Prepared: Math Doesn’t Care About Your Life Situations Jan 13, 2025

💸 Start taking control of your money in 2025 at our free livestream

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

"My wife left me and took my life savings,"
"Should we move away from our parents?"
"Do we have to help pay for a funeral?"
"How much should I spend on a ring?"
"How do I not resent my husband's low income?"

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Next Steps

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It’s Never Too Late to Clean Up a Financial Mess Jan 10, 2025

💸 Start taking control of your money in 2025 at our free livestream

📱 Listen to the full episode for free in the Ramsey Network app.

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

"We have over $2.5 million of debt,"
"Where should we start investing?"
"What's the best way to buy our first home?"
"Should I pursue public service loan forgiveness?"
"Where should we build our dream home?"
"My husband hasn't filed taxes in 20 years"

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Next Steps

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The Road to Financial Freedom Is Paved With Grit Jan 09, 2025

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📱 Listen to the full episode for free in the Ramsey Network app.

Rachel Cruze & Ken Coleman answer your questions and discuss:

"We disagree on how to use an inheritance,"
"Should my boyfriend and I move out?"
"I can't convice my husband to let me stay home,"
"Should I go against what is in my dad's will?"
"I'm furious at my husband for buying a truck,"

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Don’t Let Toxic Money Situations Keep You Trapped Jan 08, 2025

📱 Listen to the full episode for free in the Ramsey Network app.

Jade Warshaw & Rachel Cruze answer your questions and discuss:

"My boyfriend and I share credit cards,"
"How do I tell my dad he can't borrow from me?"
"When is a 401(k) match too good to pass up?"
"My husband spent our retirement behind my back,"
Housing Market Predictions for 2025
"We co-signed on a house and now we're stuck,"

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Stuck in a Financial Pit? Here’s How to Climb Out and Stay Out Jan 07, 2025

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

📱 Listen to the full episode for free in the Ramsey Network app.

Ken Coleman & Jade Warshaw answer your questions and discuss:

"I can't make ends meet after buying a franchise,"
"How do I handle aggressive debt collectors?"
"How do I get out of a financial pit?"
"How do I get better at staying on a budget?"
"We haven't combined banks or debt yet"

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Your Life Is More Than Just a Set of Numbers Jan 06, 2025

📱 Listen to the full episode for free in the Ramsey Network app.

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

"I haven't paid taxes in 7 years"
"We have struggled with relationships since becoming everyday millionaires,"
"My ex was living a double life and left our family in poverty,"
"Should I pause retirement to save for a house?"
"My wife won't talk about unplanned purchases,"

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Next Steps

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You Can Change Your Life TODAY! Jan 03, 2025

📱 Listen to the full episode for free in the Ramsey Network app.

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

You can decide to change your life TODAY!
“Our medical bills keep us from moving forward in the baby steps”
“My boyfriend doesn’t share in my financial goals”
“Is work/life balance a real thing?”
Is a high-yield savings account the best place for your money?
“I haven’t paid my credit card debt in 13 years!”

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🥗 Save 15% on your first Field of Greens order with code RAMSEY
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Next Steps

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

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Your Income Is Your Greatest Wealth Building Tool Jan 02, 2025

📱Watch the full episode for free in the Ramsey Network app.

Ken Coleman & George Kamel answer your questions and discuss:

"How can I take control of my money?"
"I should be at 0% interest, but I'm not,"
"I was overpaid $6K, what should I do?"
"Where does this fall in the baby steps?"
"Should we help my mom with money?"

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Next Steps

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Your Mindset Matters More Than Your Money Jan 01, 2025

📱 Listen to the full episode for free in the Ramsey Network app.

While we're out for new year's, we've compiled some of our favorite Dave and George calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year! Happy New Year!

Dave Ramsey & George Kamel answer your questions and discuss:

‘We've been looking for a house for 9 years.’
'How do I save a $1 million inheritance?’
‘How much should we help our daughter?’
‘Liquidate my investments and buy crypto? '
‘My husband's side hustle doesn't make money’
'Should I pay taxes on cash income?'

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🥗 Save 15% on your first Field of Greens order with code RAMSEY
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💻 Visit NetSuite today to learn more
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Next Steps

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Don't Let Debt Happen To You—Face It Head-On Dec 31, 2024

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🇺🇸 Watch United States of Anxiety exclusively on the free Ramsey Network app!

While we're out for new year's, we've compiled some of our favorite George and Rachel calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year! Happy New Year!

George Kamel & Rachel Cruze answer your questions and discuss:

‘My sister took advantage of our sick mom’
‘$200K in consumer debt, declare bankruptcy?’
‘My husband's boss is a pig, should he leave?’
‘Restaurant waiters are keeping all my cash'
‘How do we handle our son's car getting stolen?’
'How do I become a $100 millionaire by 30?'

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🥗 Save 15% on your first Field of Greens order with code RAMSEY
💤 Visit Helix Sleep for special offers!
💻 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
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Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

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Financial Peace Starts With Clear Boundaries Dec 30, 2024

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🇺🇸 Watch United States of Anxiety exclusively on the free Ramsey Network app!

While we're out for the Christmas break, we've compiled some of our favorite Dave and Jade calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year!

Dave Ramsey & Jade Warshaw answer your questions and discuss:

‘My new husband is almost $1 million in debt’
'My in-laws loaned us $40K, what should we do?’
‘How beneficial is it to close my credit cards?’
‘How do I choose a financial advisor?'
‘Can I fix my marriage after getting out of debt?’
'My parents send us a bill whenever they visit.'.

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🥗 Save 15% on your first Field of Greens order with code RAMSEY
💤 Visit Helix Sleep for special offers!
💻 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
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Next Steps

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How A Bigger Paycheck Could Lead To Bigger Problems Dec 27, 2024

While we're out for the Christmas break, we've compiled some of our favorite John and George calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year!

John Delony & George Kamel answer your questions and discuss:

‘We make $330K and live paycheck to paycheck'
'Is my mother-in-law is trying to cause a rift?’
‘I feel guilty for spending money on therapy’
‘I'm 15, how can I help my parents financially?'
‘Dealing with my husband's gambling addiction’
'We've been living in a hotel for 3 months.'

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💤 Visit Helix Sleep for special offers!
💻 Visit NetSuite today to learn more
🗂️ Use promo code RAMSEY for18% off at The Nokbox
🏛Get started with YRefy or call 844-2-RAMSEY
🔐 Visit Zander Insurance for your free instant quote today!

Next Steps

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✅ Free tools and resources to find the right insurance for you

🛳️ Live Like No One Else Cruise

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Define Your Future By Setting The Right Financial Priorities Dec 26, 2024

🇺🇸 Watch United States of Anxiety exclusively on the free Ramsey Network app!

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

While we're out for the Christmas break, we've compiled some of our favorite Ken and Rachel calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year! Merry Christmas!

Ken Coleman & Rachel Cruze answer your questions and discuss:

‘Quit my two remote jobs to take one hybrid?'
'We couldn't agree on money so we broke up.’
‘Are we teaching our kids that credit is OK?’
‘Use emergency fund for daughter's quinceanera?'
‘I made an agreement for a house I can't afford.’
‘How much should I spend on a wedding ring?’

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🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle!
🥗 Save 15% on your first Field of Greens order with code RAMSEY
💤 Visit Helix Sleep for special offers!
🗂️ Use promo code RAMSEY for 18% off at The Nokbox
💵 Learn more about Timothy Plan
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Next Steps

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The Hardest Decisions Are Often About Money & Relationships Dec 25, 2024

📱 Listen to the full episode for free in the Ramsey Network app.

🇺🇸 Watch United States of Anxiety exclusively on the free Ramsey Network app!

While we're out for the Christmas break, we've compiled some of our favorite John and Jade calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year! Merry Christmas!

John Delony & Jade Warshaw answer your questions and discuss:

‘Should I talk to my wife's toxic boss?'
'Is it OK to accept $1M from my in-laws?’
‘My mom lied about paying my student loans.’
‘I blew $50K after leaving an abusive relationship.'
‘My mom is boycotting my wedding rehearsal’
'Our house was destroyed by a tornado'

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🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle!
🥗 Save 15% on your first Field of Greens order with code RAMSEY
💤 Visit Helix Sleep for special offers!
🗂️ Use promo code RAMSEY for 18% off at The Nokbox
💵 Learn more about Timothy Plan
🏛 Get started with YRefy or call 844-2-RAMSEY
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Next Steps

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Stop Letting Money Conflicts Tear Your Relationships Apart Dec 24, 2024

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🇺🇸 Watch United States of Anxiety exclusively on the free Ramsey Network app!

While we're out for the Christmas break, we've compiled some of our favorite Dave and Rachel calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year! Merry Christmas!

Dave Ramsey & Rachel Cruze answer your questions and discuss:

‘Father-in-law is selling us whole life insurance’
'Brother isn't buying us out of an inherited home’
‘Open a food truck or a brick and mortar?’
‘My wife & I don't share the same views financially'
‘Am I hurting my family's financial future?’
'Will I even be able to become debt free?'

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🏦 Go to FAIRWINDS Credit Union for an exclusive account bundle!
🥗 Save 15% on your first Field of Greens order with code RAMSEY
💤 Visit Helix Sleep for special offers!
🗂️ Use promo code RAMSEY for 18% off at The Nokbox
💵 Learn more about Timothy Plan
🏛 Get started with YRefy or call 844-2-RAMSEY
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Next Steps

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🏆 Take control of your money in 2025! Register for the free livestream.

🎟️ Get $100 Off Money & Marriage Getaway with code CHRISTMAS.

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Financial Chaos Can Derail Your Future Dec 23, 2024

📱Listen to the full episode for free in the Ramsey Network app. Watch United States of Anxiety exclusively on the free Ramsey Network app!

While we're out for the Christmas break, we've compiled some of our favorite Dave and Ken calls from the past couple of years. Enjoy your day and we'll be back with a live show in the new year! Merry Christmas!

Dave Ramsey & Ken Coleman answer your questions and discuss:

‘I haven't filed taxes since 2020’
'I don't feel like we can catch up on our finances’
‘My mom did a home remodel without permits’
‘Fiancée's parents want me to sign a prenup'
‘What do I do after losing my business to a fire?’
Discussion about what "being managed out" means.

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🥗 Save 15% on your first Field of Greens order with code RAMSEY
💤 Visit Helix Sleep for special offers!
💻 Visit NetSuite today to learn more
🗂️ Use promo code RAMSEY for 18% off at The Nokbox
💵 Learn more about Timothy Plan
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Next Steps

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Your Future Self Deserves Better Choices Today Dec 20, 2024

📱 Listen to the full episode for free in the Ramsey Network app. 🇺🇸 Watch United States of Anxiety exclusively on the free Ramsey Network app!

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

"I spent $40K during a manic episode,"
"I turned $1k into $380k with Tesla stock; should I sell it?"
"Should I leave anything to my estranged son?"
"We lost everything to a hurricane,"
"My husband is spoiled and I lack boundaries,"
"I keep overdrafting my account"

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🥗 Save 15% on your first Field of Greens order with code RAMSEY
💤 Visit Helix Sleep for special offers!
🗂️ 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!

Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

🎄You could win $5,000 in the Ramsey Christmas Cash Giveaway!

🎁 Our 50 days of Christmas deals are ending soon! Get 30% off meaningful gifts.

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Broke Is Normal—Do You Really Want to Be Like Everyone Else? Dec 19, 2024

📱 Listen to the full episode for free in the Ramsey Network app.Watch United States of Anxiety exclusively on the free Ramsey Network app!

Dave Ramsey & Jade Warshaw answer your questions and discuss:

"My mom is asking me to share my late father's life insurance,"
"My wife bought me an expensive Lego set behind my back,"
"Am I a jerk for not wanting a mortgage?"
"I bought a truck and then found Dave Ramsey..."
"Is giving the bank our money biblically immoral?"
"My wife is pestering me to take a vacation,"
"My grandma opened a credit card in my name,"

Support Our Sponsors:

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🥗 Save 15% on your first Field of Greens order with code RAMSEY
💤 Visit Helix Sleep for special offers!
🗂️ Use promo code RAMSEY for 18% off at The Nokbox
💵 Learn more about Timothy Plan
🏛 Get started with YRefy or call 844-2-RAMSEY
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Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

💸Take control of your money in 2025! Register for the free livestream.

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

🎄You could win $5,000 in the Ramsey Christmas Cash Giveaway!

🎁 Our 50 days of Christmas deals are ending soon! Get 30% off meaningful gifts.

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It’s Our 2024 Annual Giving Show! Dec 18, 2024

📱 Listen to the full episode for free in the Ramsey Network app.Watch United States of Anxiety exclusively on the free Ramsey Network app!

Dave Ramsey & George Kamel hear stories of outrageous generosity from our listeners. Find out how much fun you can have giving away money on our 2024 Annual Giving Show!

Support Our Sponsors:

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🥗 Save 15% on your first Field of Greens order with code RAMSEY
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🗂️ Use promo code RAMSEY for 18% off at The Nokbox
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Next Steps

📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here!

🎄You could win $5,000 in the Ramsey Christmas Cash Giveaway!

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🎒 Donate Foundations in Personal Finance Curriculum to a high school in your community.

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