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The Ramsey Show

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

Latest Episodes:

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

Show notes

📈⁠⁠⁠⁠⁠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:

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

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

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

📱 Get episodes early in the free Ramsey Network app!

🛡️ Get trusted insurance coverage that fits your budget.

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

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

🤔 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.

Get started today with⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠.

Get 20% off when you join ⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠.

Go to⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠ for an exclusive account bundle!

Find top health insurance plans at ⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠.

Use code RAMSEY to save 20% at ⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠.

Visit⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠ today to learn more.

For more information, go to ⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠.

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

Get started with ⁠⁠⁠⁠YRefy⁠⁠⁠⁠ or call 844-2-RAMSEY.

Visit⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠ for your free instant quote today!

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠

💡 ⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠

💰 ⁠⁠⁠⁠George Kamel⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠

📈 ⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠

⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠

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

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

Show notes

📈⁠⁠⁠⁠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:

✔️⁠⁠⁠ ⁠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 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.

Get started today with⁠⁠⁠ Churchill Mortgage⁠⁠⁠.

Get 20% off when you join ⁠⁠⁠DeleteMe⁠⁠⁠.

Go to⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠ for an exclusive account bundle!

Find top health insurance plans at ⁠⁠⁠Health Trust Financial⁠⁠⁠.

Use code RAMSEY to save 20% at ⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠.

Visit⁠⁠⁠ NetSuite⁠⁠⁠ today to learn more.

For more information, go to ⁠⁠⁠SimpliSafe⁠⁠⁠.

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

Get started with ⁠⁠⁠YRefy⁠⁠⁠ or call 844-2-RAMSEY.

Visit⁠⁠⁠ Zander Insurance⁠⁠⁠ for your free instant quote today!

Explore more from Ramsey Network:

💸 ⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠

🧠 ⁠⁠⁠The Dr. John Delony Show⁠⁠⁠

🍸 ⁠⁠⁠Smart Money Happy Hour⁠⁠⁠

💡 ⁠⁠⁠The Rachel Cruze Show⁠⁠⁠

💰 ⁠⁠⁠George Kamel⁠⁠⁠

🪑 ⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠

📈 ⁠⁠⁠EntreLeadership⁠⁠⁠

⁠⁠⁠Ramsey Solutions Privacy Policy⁠

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

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

Show notes

📈⁠⁠⁠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:

✔️⁠⁠ ⁠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.

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

💵⁠⁠ ⁠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.

Get started today with⁠⁠ Churchill Mortgage⁠⁠.

Get 20% off when you join ⁠⁠DeleteMe⁠⁠.

Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!

Find top health insurance plans at ⁠⁠Health Trust Financial⁠⁠.

Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠.

Visit⁠⁠ NetSuite⁠⁠ today to learn more.

For more information, go to ⁠⁠SimpliSafe⁠⁠.

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

Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY.

Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today!

Explore more from Ramsey Network:

💸 ⁠⁠The Ramsey Show Highlights⁠⁠

🧠 ⁠⁠The Dr. John Delony Show⁠⁠

🍸 ⁠⁠Smart Money Happy Hour⁠⁠

💡 ⁠⁠The Rachel Cruze Show⁠⁠

💰 ⁠⁠George Kamel⁠⁠

🪑 ⁠⁠Front Row Seat with Ken Coleman⁠⁠

📈 ⁠⁠EntreLeadership⁠⁠

⁠⁠Ramsey Solutions Privacy Policy⁠

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

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

Show notes

📈⁠⁠⁠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:

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

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

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

📖 Your Total Money Makeover starts here.

🏫 ⁠Lead a Financial Peace University class!⁠⁠

🏠 Find a Ramsey Trusted Real Estate Agent

Connect With Our Sponsors:

Stop paying more and start shopping smarter at ⁠⁠ALDI⁠⁠.

Get 10% off your first month of⁠⁠ BetterHelp⁠⁠.

Go to ⁠⁠Boost Mobile⁠⁠ to switch today!

Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠.

Get started today with⁠⁠ Churchill Mortgage⁠⁠.

Get 20% off when you join ⁠⁠DeleteMe⁠⁠.

Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!

Find top health insurance plans at ⁠⁠Health Trust Financial⁠⁠.

Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠.

Visit⁠⁠ NetSuite⁠⁠ today to learn more.

For more information, go to ⁠⁠SimpliSafe⁠⁠.

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

Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY.

Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today!

Explore more from Ramsey Network:

💸 ⁠⁠The Ramsey Show Highlights⁠⁠

🧠 ⁠⁠The Dr. John Delony Show⁠⁠

🍸 ⁠⁠Smart Money Happy Hour⁠⁠

💡 ⁠⁠The Rachel Cruze Show⁠⁠

💰 ⁠⁠George Kamel⁠⁠

🪑 ⁠⁠Front Row Seat with Ken Coleman⁠⁠

📈 ⁠⁠EntreLeadership⁠⁠

⁠⁠Ramsey Solutions Privacy Policy⁠⁠

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

Lose the Ego, Win With Money Aug 07, 2025

Show notes

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

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:

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

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

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

🏫 ⁠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:

Stop paying more and start shopping smarter at ⁠⁠ALDI⁠⁠.

Get 10% off your first month of⁠⁠ BetterHelp⁠⁠.

Go to ⁠⁠Boost Mobile⁠⁠ to switch today!

Learn more about⁠⁠ Christian Healthcare Ministries⁠⁠.

Get started today with⁠⁠ Churchill Mortgage⁠⁠.

Get 20% off when you join ⁠⁠DeleteMe⁠⁠.

Go to⁠⁠ FAIRWINDS Credit Union⁠⁠ for an exclusive account bundle!

Find top health insurance plans at ⁠⁠Health Trust Financial⁠⁠.

Use code RAMSEY to save 20% at ⁠⁠Mama Bear Legal Forms⁠⁠.

Visit⁠⁠ NetSuite⁠⁠ today to learn more.

For more information, go to ⁠⁠SimpliSafe⁠⁠.

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

Get started with ⁠⁠YRefy⁠⁠ or call 844-2-RAMSEY.

Visit⁠⁠ Zander Insurance⁠⁠ for your free instant quote today!

Explore more from Ramsey Network:

💸 ⁠⁠The Ramsey Show Highlights⁠⁠

🧠 ⁠⁠The Dr. John Delony Show⁠⁠

🍸 ⁠⁠Smart Money Happy Hour⁠⁠

💡 ⁠⁠The Rachel Cruze Show⁠⁠

💰 ⁠⁠George Kamel⁠⁠

🪑 ⁠⁠Front Row Seat with Ken Coleman⁠⁠

📈 ⁠⁠EntreLeadership⁠⁠

⁠⁠Ramsey Solutions Privacy Policy⁠⁠

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

Panic Never Leads to Peace Aug 06, 2025

Show notes

📈⁠⁠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 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:

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

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

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

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

📖 Your Total Money Makeover starts here.

🏫 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.

Go to ⁠Boost Mobile⁠ to switch today!

Learn more about⁠ Christian Healthcare Ministries⁠.

Get started today with⁠ Churchill Mortgage⁠.

Get 20% off when you join ⁠DeleteMe⁠.

Go to⁠ FAIRWINDS Credit Union⁠ for an exclusive account bundle!

Find top health insurance plans at ⁠Health Trust Financial⁠.

Use code RAMSEY to save 20% at ⁠Mama Bear Legal Forms⁠.

Visit⁠ NetSuite⁠ today to learn more.

For more information, go to ⁠SimpliSafe⁠.

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

Get started with ⁠YRefy⁠ or call 844-2-RAMSEY.

Visit⁠ Zander Insurance⁠ for your free instant quote today!

Explore more from Ramsey Network:

💸 ⁠The Ramsey Show Highlights⁠

🧠 ⁠The Dr. John Delony Show⁠

🍸 ⁠Smart Money Happy Hour⁠

💡 ⁠The Rachel Cruze Show⁠

💰 ⁠George Kamel⁠

🪑 ⁠Front Row Seat with Ken Coleman⁠

📈 ⁠EntreLeadership⁠

⁠Ramsey Solutions Privacy Policy⁠

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

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

Show notes

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

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.

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

❓ 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:

Stop paying more and start shopping smarter at ALDI.

Get 10% off your first month of BetterHelp.

Go to Boost Mobile to switch today!

Learn more about Christian Healthcare Ministries.

Get started today with Churchill Mortgage.

Get 20% off when you join DeleteMe.

Go to FAIRWINDS Credit Union for an exclusive account bundle!

Find top health insurance plans at Health Trust Financial.

Use code RAMSEY to save 20% at Mama Bear Legal Forms.

Visit NetSuite today to learn more.

For more information, go to SimpliSafe.

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

Get started with YRefy or call 844-2-RAMSEY.

Visit Zander Insurance for your free instant quote today!

Explore more from Ramsey Network:

💸 The Ramsey Show Highlights

🧠 The Dr. John Delony Show

🍸 Smart Money Happy Hour

💡 The Rachel Cruze Show

💰 George Kamel

🪑 Front Row Seat with Ken Coleman

📈 EntreLeadership

Ramsey Solutions Privacy Policy

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

Stop Making Excuses for Bad Money Choices Aug 04, 2025

Show notes

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

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.⁠⁠⁠⁠⁠⁠⁠

📞 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!⁠⁠ ⁠⁠⁠⁠⁠⁠

📖 Your Total Money Makeover starts here.

🧠 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
Get 10% off your first month of⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠
Go to ⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠ to switch today!
Learn more about⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠
Get started today with⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠
Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠
Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ for an exclusive account bundle!
Find top Health Insurance Plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠
Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠
Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ today to learn more
For more information, go to ⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠
Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠
Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ or call 844-2-RAMSEY
Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ for your free instant quote today!

Explore more from Ramsey Network:

💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠

🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠

🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠

💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠

💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠

🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠

📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠

⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠

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

Shortcuts Today Lead to Setbacks Tomorrow Aug 01, 2025

Show notes

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

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

📖 Your Total Money Makeover starts here.

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

Connect with our Sponsors:

Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠
Get 10% off your first month of⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠
Go to ⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠ to switch today!
Learn more about⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠
Get started today with⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠
Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠
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Let Go of Others Expectations and Take Control of Your Own Future Jul 31, 2025

Show notes

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

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?"