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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

Copyright: Copyright © 2002-2020 PodcastOne.com. All rights reserved.

Latest Episodes:

More Debt Always Equals More Risk Jul 30, 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:

"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:

✔️⁠⁠⁠⁠⁠⁠ ⁠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!⁠⁠⁠⁠⁠⁠

📖 Your Total Money Makeover starts here.

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

🏠 Find a Ramsey Trusted Real Estate Agent

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!
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 Expecting Different Results From the Same Mistakes Jul 29, 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:

"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?"

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!

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

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

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

Connect with our Sponsors:

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

Explore more from Ramsey Network:

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

⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠

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

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

Show notes

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

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?"

Next Steps:

🏡 Check out our Mortgage Calculator

✔️⁠⁠⁠⁠ ⁠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!

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

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

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

Connect with our Sponsors:

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

Explore more from Ramsey Network:

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

⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠

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

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

"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:

✔️⁠⁠⁠⁠ ⁠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

📈 Free Tools & Resources to Help You With Investing

⛓️‍💥 ⁠⁠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 is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠

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

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

"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:

✔️⁠⁠⁠⁠ ⁠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!⁠⁠⁠⁠

💗 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:

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

⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠

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

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

"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:

✔️⁠⁠⁠⁠ ⁠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!

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

🏠 ⁠⁠Find a Ramsey Trusted Real Estate Agent⁠⁠

⛓️‍💥 ⁠⁠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 is a paid, non-client promoter of SmartVestor Pros.

⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠

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

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

Show notes

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

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.⁠⁠⁠⁠

📞 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!

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

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

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

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🍸 ⁠⁠⁠Smart Money Happy Hour⁠⁠⁠

💡 ⁠⁠⁠The Rachel Cruze Show⁠⁠⁠

💰 ⁠⁠⁠George Kamel⁠⁠⁠

🪑 ⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠

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Take Debt Off The Table And Stay The Course Jul 21, 2025

Show notes

📈⁠⁠⁠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:

✔️⁠⁠ ⁠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!⁠⁠

🏠 Find a Ramsey Trusted Real Estate Agent

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

🏫 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
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 Buying Things You Can't Afford - You'll Drown Jul 18, 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:

"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:

✔️⁠⁠ ⁠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.

❤️‍🩹 Get trusted insurance coverage that fits your budget.

☀️ Shop the summer Black Friday sale 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

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

✔️⁠⁠ ⁠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!

💸 Register for the free FPU Coordinator Rally and enter the $3k giveaway.

🏠 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

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