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A Financial Plan Only Works If It Matches Your Reality Dec 25, 2025

Show notes

While we are out for Christmas break, we've compiled some of our favorite Ken and Jade calls from the past two years. We'll be back with a live show in the new year! Merry Christmas!

Ken Coleman & Jade Warshaw answer your questions and discuss:

We're almost in $1M in debt.
Should I keep more than $1k for emergencies?
My fiance just borrowed $240K to buy an RV
Does an HSA make sense for me?
Should I convert my traditional 401(k) to Roth?
My mortgage is 65% of our income
I'm struggling to save money for future goals

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Your Financial Outcomes Won’t Change Until You Do Dec 24, 2025

Show notes

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

Dave Ramsey & Rachel Cruze answer your questions and discuss:

I've been fired 14 times and no employer will look at me now.
Should I get someone to co-sign on my car?
How do you pay off your credit cards when the minimums are half my take-home pay?
My wife is a compulsive shopper
I bought an Airbnb cabin and now I am behind on my bills
What's the benefit of using an escrow account?
Convincing husband we don't need credit cards

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Good Intentions Aren’t Enough—Be Intentional With Your Money Dec 23, 2025

Show notes

While we are out for Christmas break, we've compiled some of our favorite Dave and John calls from the past two years. Enjoy your Thanksgiving and we'll be back with a live show on Monday!

Dave Ramsey & John Delony answer your questions and discuss:

Should I lock my husband out of our savings account to stop his out-of-control spending?
Should I file bankruptcy?
Should I budget for a vacation?
Our insurance didn't pay us after a natural disaster destroyed our home.
Should I help my boyfriend pay off debt?
Should I take out a $10,000 loan to fix up my mom's kitchen?
Why is mortgage debt okay but not car debt?

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Make The Most of Your Financial Choices—They Matter Dec 22, 2025

Show notes

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

While we are out for Christmas break, we've compiled some of our favorite Dave and Jade calls from the past two years. We'll be back with a live show in the new year! Merry Christmas!

Dave Ramsey & Jade Warshaw answer your questions and discuss:

‘I'm paying $500 a month for my leased HVAC system'
’I'm 18 years-old and already have $110k of debt'
'My grandma opened a credit card in my name.'
'My new husband keeps his finances hidden from me'
'Husband lost his 401(k) to a crypto scam'
'How much is too much to spend on a wedding?'
'My husband says he won't leave anything to me in his will.'

Next Steps:⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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💵 ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Start your free budget today by downloading the EveryDollar app⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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Connect With Our Sponsors:

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Learn more about⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠.
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Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠.
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🍸 ⁠⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠⁠

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The Annual Giving Show: A Celebration of Radical Generosity Dec 19, 2025

Show notes

Dave Ramsey and George Kamel answer your questions and discuss:

“Food pantry worker provided for her event though she didn’t qualify.”
“Aunt provided money to her family to help them avoid bankruptcy.”
“Raised money to buy Christmas gifts for people in need.”
“She bought her mom’s dream car as a gift to her.”
“Donated funds to organization that helps keep biological families together.”
“Didn’t charge Door Dash customer for her meal and gave her $60.”
“Purchased tires for a teacher at his son’s school.”
“Donates gifts to children’s hospital patients and families in need.”
“Family dresses up as Santa/Mrs. Clause and adopts families at Christmas.”
“Donated a kidney to a stranger.”
“Lost their son at childbirth and asked for donations for the NICU that cared for him.”
“My company helped a single mother with cash and presents and a place to stay for her son while she goes to work”
”I was the beneficiary of a scholarship from my family, now I am paying it forward for my niece”
“Gave a co-worker’s daughter a car.”
“I gave my trash collector a tip and he said no one had ever thanked him before”
“We were given money by a stranger when our son was in the NICU”
“We have given away two cars”
“Her friends furnished a house for her after a separation.”
“Lent money to their pastor who was in need.”
“Their friends gifted them with a much needed vehicle.”

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No One Makes Good Decisions out of Fear or Desperation Dec 18, 2025

Show notes

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

“How can I protect myself from my husband’s gambling problem?”
“I signed up for a student loan assistance program but I feel like I am being extorted rather than helped”
“I am closing on a house I can’t afford and I’m pregnant. What should I do to get through this season?”
“Should we sell a car we were gifted?”
“Should I get a 529 plan for my children?”
“My elderly mother has developed a gambling addiction, I feel guilty for not wanting to fund her addiction”
“We are about to lose 80% of our income. Should we pay down our debt or save?”
“Should I pull money from retirement to pay off my car?”
“Is it too late for me to prepare for retirement?”
“Should I let my son enjoy the fruits of his hard work?”
“Should we pay off our house after we sell our rental?”
“I received a personal injury settlement of $420,000. How should I manage this large lump sum?”
“Am I risking my almost $1M net worth by carrying $1.4M in debt?”

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Connect With Our Sponsors:

Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠⁠⁠.
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Get 10% off your first month of⁠⁠⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠⁠⁠.
Go to ⁠⁠⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠⁠⁠ to switch today!
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Learn more about⁠⁠⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠⁠⁠.
Get started today with⁠⁠⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠⁠⁠.
Get 20% off when you join ⁠⁠⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠⁠⁠.
Go to⁠⁠⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!
Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠⁠
Find top health insurance plans at ⁠⁠⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠⁠⁠.
Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠⁠⁠.
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Quit Letting Dumb Money Decisions Hold You Back Dec 17, 2025

Show notes

Dave Ramsey and Ken Coleman answer your questions and discuss:

"I'm $250,000 in debt, how do I get out of this?"
"I just got married. I want to pay off my wife's student loans before moving in with her"
"Is it a good idea to move into a mobile home to get caught up on my bills?"
"Should we wait to get married so my girlfriend can still get her benefits?"
"Should I borrow money to tithe?"
"How can I help my husband increase our income?"
"How do we honor my father-in-law who no longer runs his business?"

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