The Ramsey Show

Ken and Jade do a taste test comparing generic and name brand food to save money on groceries,
8 Meal Planning Rules,
Saving for retirement to pay off debt,
"Should I push my spouse to choose a new career?"
Get Clear Career Assessment
"Can we finally afford to buy a house?"

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He Has $100K in Debt and Wants To Buy a New Tesla… (Hour 3) Mar 23, 2023

Ken Coleman & Jade Warshaw answer your questions and discuss:

"My boyfriend has over $100k in debt and now he wants to buy a new Tesla",
"I owe my ex-wife money...",
"Should I cancel credit cards as they're paid off?"
How to use extra money.

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THIS Is the Fastest Way To Build Wealth (Hour 1) Mar 22, 2023

Dave Ramsey & Rachel Cruze answer your questions and discuss:

How aggressively to pay down a car loan,
Managing unexpected medical bills,
"Should I move to a higher paying job if it changes benefits?"

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Should I Invest in Gold in Case the Economy Collapses? (Hour 2) Mar 22, 2023

Dave Ramsey & Rachel Cruze answer your questions and discuss:

Buying a replacement vehicle after a wreck,
Investing in gold in case of an economic collapse,
from the blog: Why Investing in Precious Metals Is a Bad Idea,
"Should we sell some of our rentals?"
Buying a family business,
Why personal finance is more personal than finance.

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Meet the Millionaire Toilet Scrubber! (Hour 3) Mar 22, 2023

Dave Ramsey & Rachel Cruze interview millionaires to find out how they built wealth!

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This Is What the Life of a Hustler Looks Like (Hour 1) Mar 21, 2023

Dave Ramsey & Jade Warshaw answer your questions and discuss:

"Can I pause paying off debt to buy a car?"
from the blog: How to Buy a Used Car Right Now,
Whole life vs. Term Insurance,
from the blog: What Is Term Life Insurance?
Saving for retirement vs. paying off debt.

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Quit Trying To Trick Your Way Out of Debt! (Hour 2) Mar 21, 2023

Dave Ramsey & Jade Warshaw answer your questions and discuss:

Following a proven plan vs. "your plan",
Should I do a HELOC,
from the blog: HELOC: What Is a Home Equity Line of Credit?
"Should we pay off our house or invest instead?"
What to do with a rental property (and the Sunk Cost Fallacy explained),
Handling an inherited IRA.

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You Need a Lawyer To Put the Fear of God in Your Renters (Hour 3) Mar 21, 2023

Dave Ramsey & Jade Warshaw answer your questions and discuss:

"What do we do with our money during a sabbatical?"
What to do when your renters stop paying rent,
The best way to save up for a rental property,
Transferring mutual funds when employer switches 401(k) plans,
"Should I take out small loans to boost my credit score?"
from the blog: The Best Way to Improve Your Credit Score

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There Are STILL Smart People in America! (Just Not in Washington) (Hour 1) Mar 20, 2023

Dave Ramsey & Jade Warshaw answer your questions and discuss:

How do I get to 15% if I'm already maxing out my 401(k) and Roth?
from the blog: Why Should I Invest 15% of My Income for Retirement?
Selling a lake house to pay off the primary home,
Setting up an estate plan for a tricky family situation,
What to do with a settlement,
"My husband wants to buy an AirBnB w/ a HELOC",
Looking for another career.

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Desperation Leads to Stupidity Which Leads to Being Broke (Hour 2) Mar 20, 2023

Dave Ramsey & Jade Warshaw answer your questions and discuss:

Why you should stay away from viaticals,
Using savings to pay off rentals,
"Should I use my emergency fund to pay off my car?"

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Leave the Cave, Kill Something, and Drag It Home! (Hour 3) Mar 20, 2023

Dave Ramsey & Jade Warshaw answer your questions and discuss:

What to do with a whole life policy,
from the blog: What Is Whole Life Insurance?
"Should I keep paying off debt after being laid off?"
"How do I best invest an inheritance?"
"My husband wants to wait for student loan forgiveness"
from the blog: Student Loan Forgiveness

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Delony Rant: This Is an Insane Way To Live! (Hour 1) Mar 17, 2023

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

Looking for a new career while paying off debt,
What to do with bills in collections,
from the blog: How to Pay Off Collections,
"Should I sell my house to pay off debt?"
from the blog: Should You Sell Your Home to Knock Out Debt?
"Protecting your family when you're uninsurable"

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The Dirty Little Secret Behind Credit Card Rewards (Hour 2) Mar 17, 2023

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

"Should I save up for a down payment or pay for a house in cash?"
The truth behind credit card reward points,
"How do I best prepare for my future family?"
"I have $230k in undergrad student loan debt",
"I'm having a hard time emptying our savings to pay off debts"
"We have rental properties but no retirement"

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How Much Money Will Solve All Your Problems? (Hour 3) Mar 17, 2023

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

Can money buy happiness?
Transitioning from intensity to intentionality
"Is it selfish if I feel stuck as a stay-at-home mom?"
"Should I sell my house after moving for work?"

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Financial Peace Turns Emergencies Into Inconveniences (Hour 1) Mar 16, 2023

Dave Ramsey & Jade Warshaw answer your questions and discuss:

"Your plan kept us safe from the SVB collapse",
What to do with an old 529,
"I owe $3 million on my rental properties..."

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There’s No Such Thing as a “Forever Home” (Hour 2) Mar 16, 2023

Dave Ramsey & Jade Warshaw answer your questions and discuss:

"Our debt is worse than we thought it was..."
"Should we pay off our mortgage or save for a dream home?"
"My ex-wife's student loans are in collections",
"Sell one rental property to pay off the other?"

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No More Excuses, You’ve Gotta Make a Change! (Hour 3) Mar 16, 2023

Dave Ramsey & Jade Warshaw answer your questions and discuss:

"I lost half my income and I'm behind on debts",
"Do HSAs count toward Baby Step 4?"
from the blog: How to Make the Most of Your HSA Investment,
What to do with savings after marriage?
Investing vs. paying off the home.

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Paint or Get off the Ladder! (Hour 1) Mar 15, 2023

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

"I'm running out of money to fight for custody",
"When should I pay off the house?"
Financially planning for a baby,
from the blog: Having a Baby? Don't Forget These Expenses

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Don’t Nickel and Dime Your Way Into Marriage (Hour 2) Mar 15, 2023

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

"Should I allow finances to stop our marriage plans?"
"Should I allow my dad to be my financial advisor?"
Is the $1000k emergency fund reasonable?
from the blog: Is a $1,000 Emergency Fund Enough?
"I can't get my wife on board with the Baby Steps",
"My husband refuses to get life insurance",
What to do with an inheritance.

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Making Financial Decisions When Under Stress (Hour 3) Mar 15, 2023

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

How to manage an inherited estate,
What to do with a large financial gift,
"Should I pay off my house or buy a rental?"
Using savings to pay off student loans,
"My kids are having a hard time after a move"

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Should I Let My Friend Borrow Money? (Hour 1) Mar 14, 2023

Dave Ramsey & Jade Warshaw answer your questions and discuss:

"Should I go into business with my friend?"
from the blog: The Dirt on Partnerships,
What to do when friends ask for money,
"Should I break up my brokerage fund into multiple accounts?"
"We were gifted a deed"

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Don’t Invest Your Money Based on the News Headlines! (Hour 2) Mar 14, 2023

Dave Ramsey & Jade Warshaw answer your questions and discuss:

"Should I pull from retirement to pay off credit cards?"
Investing to retire early,
from the blog: Can I Retire Early?
Where a HUD loan goes in the baby steps,
Using a brokerage account for a down payment on a house,
Taking out social security early to pay off a mortgage.

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You Have to Chose Which Thing Is Going To Suck (Hour 3) Mar 14, 2023

Dave Ramsey & Jade Warshaw answer your questions and discuss:

"Will buying a condo ruin me financially?"
Getting rid of debt while still in school,
Helping with an elderly parent's assisted living expenses,
Adjusting a budget to go down to one income,
"Should I sell the car?"

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You’re Hell-Bent on Getting Rich Quick (Hour 1) Mar 13, 2023

Dave Ramsey & George Kamel answer your questions and discuss:

The best way to use an inheritance,
"When do you have to pay capital gains tax?"
from the blog: What Is Capital Gains Tax?
Why you should hardly ever put money in CDs.
from the blog: What Is a Certificate of Deposit (CD)?

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The Great News About the SVB Collapse (Hour 2) Mar 13, 2023

Dave Ramsey & George Kamel answer your questions and discuss:

The great news about the SVB collapse,
from the blog: Why Your Money Is Safe in a Bank: A Look at FDIC Insurance and What It Covers,
"Move in with my parents to save money?"
"Should we buy whole life insurance?"

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Should I Rent My Car Out on Turo? (Hour 3) Mar 13, 2023

Dave Ramsey & George Kamel answer your questions and discuss:

Splitting property with family,
"Should I buy a car in cash to use as a rental on Turo?"
"I have a mountain of debt; where do I start?"

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2023 Real Estate Trends: Should You Buy a House Right Now? (Hour 1) Mar 10, 2023

George Kamel & Rachel Cruze answer your questions and discuss:

"I was laid off right after buying a house",
"Can I have fun and still save money?"
High Interest rates and 2023 real estate trends,
from the blog: 2023 Real Estate Trends: What You Need to Know,
"What should I do with a cashed out pension?"

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You Choose: $1200 Car Payment OR 3 Million Dollars? (Hour 2) Mar 10, 2023

George Kamel & Rachel Cruze answer your questions and discuss:

"How can I possibly afford a house?"
Short-term vs. long-term mindsets with money,
Accessing retirement without tax penalties?
"Collectors won't negotiate with me"
from the blog: How to Pay Off Collections,
Buying a car in Baby Step 2.

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Setting a Strong Foundation To Build Wealth (Hour 3) Mar 10, 2023

George Kamel & Rachel Cruze answer your questions and discuss:

Setting a foundation to build wealth,
"My husband's boss is a pig... should he leave?"
"Should I cash out my investments to buy a house?"
from the blog: How to Save for a House,
Investing while paying off debt.
from the blog: When You Should Stop Investing,
"When should I invest in my side hustle?"

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Neighborly

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SoFi vs. the Education Department: They’re All Villains! (Hour 1) Mar 09, 2023

Dave Ramsey & Kristina Ellis answer your questions and discuss:

"How can I untangle my parents' financial mess?"
SoFi's fight to end the pause on student loan repayments,
"Which property should I pay off first?"
from the blog: What Are the Baby Steps?
"How can I support my son who is recovering from addiction?"

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Tell Your Mom To Stop Acting Crazy (Hour 2) Mar 09, 2023

Dave Ramsey & Kristina Ellis answer your questions and discuss:

"Should I do owner financing on the home I'm selling?"
Helping a parent financially,
The gift of saying "No!"

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Neighborly

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Where Do Bills in Collections Go in the Debt Snowball? (Hour 3) Mar 09, 2023

Dave Ramsey & Kristina Ellis answer your questions and discuss:

"How do we roll over an old 401(k)?"
"Where to debts in collections go in the debt snowball?"
from the blog: How to Pay Off Collections,
"Should I let my son move back home?"
"What's the best way for me to buy a home?"

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Do You Have What It Takes To Get Out of Debt? (Hour 1) Mar 08, 2023

Dave Ramsey & Jade Warshaw answer your questions and discuss:

"Should I try house hacking?"
Dave and Jade walk through the 7 Baby Steps and ask if you have the motivation to do what it takes to get out of debt,
from the blog: What Are the Baby Steps?
"How does gift tax work?"
from the blog: What Is the 2022 Gift Tax Limit?
How to use retirement funds.

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There’s Always New Versions of Old Stupid Stuff (Hour 2) Mar 08, 2023

Dave Ramsey & Jade Warshaw answer your questions and discuss:

"Should I start day trading?"
from the blog: What Is Day Trading and How Does It Work?
"My fiancée doesn't want to move into my duplex",
"Do credit cards have more fraud protection than debit cards?"
"Is our rental house holding us back from accomplishing our goals?"
The best retirement option for you.

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Should We Rent Out Our Home? (Hour 3) Mar 08, 2023

Dave Ramsey & Jade Warshaw answer your questions and discuss:

"Should we rent out our home while living abroad?"
Top 10 List: "You Know You Know You Listen to Dave Ramsey When..."
"Should I take the offer of a company car?"
"What should I do with an inherited IRA?"
Preparing for a baby while paying off debt.

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Neighborly

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I Don’t Trust the Market… Should I Be Investing? (Hour 1) Mar 07, 2023

Dave Ramsey & Ken Coleman answer your questions and discuss:

"I don't trust the market... should I be investing?'
How to adjust to a new job,
"Should I save extra for school in case my 529 doesn't cover it?"
"When can I actually use my emergency fund?"
"Did I make a rash, emotional decision?"

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Ramsey’s Take on Fair & Equitable Taxation (Hour 2) Mar 07, 2023

Dave Ramsey & Ken Coleman answer your questions and discuss:

"When can we pull money from our investments to build our dream home?"
What Ramsey thinks about the proposed Fair Tax Act,
"How should I save?"
from the blog: How Much Should I Have in Savings?
Selling the house to pay off debt.

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You’ve Made Perpetual Bad Decisions (Hour 3) Mar 07, 2023

Dave Ramsey & Ken Coleman answer your questions and discuss:

Saving up for a dream car,
Itemized vs. standard tax deductions,
"I've had a series of financial disasters",
"What should I do with $260K?"
Cash-flowing car repairs.

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

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7 Tips for First-Time Home Buyers (Hour 1) Mar 06, 2023

Dave Ramsey & Jade Warshaw answer your questions and discuss:

"Should I claim all my kids on my taxes?"
How much you need in savings,
7 tips for first-time home buyers,
from the blog: Tips for First-Time Home Buyers,
"Should we do an interest rate buy down?"
from the blog: What Are Mortgage Points and How Do They Work?
"How much of my inheritance do I owe my sister?" AKA why you should always have a will!

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Should I Buy My Dream Car? (Hour 2) Mar 06, 2023

Dave Ramsey & Jade Warshaw answer your questions and discuss:

"I lost my dream car on a game show. Can I afford to buy it?"
Investing in company stocks,
A debt-free scream AND wedding proposal!
"Should we sell our house to invest the mortgage payment?"
What to do with an old 401(k).

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You’re Gonna Lose Your Butt on This (Hour 3) Mar 06, 2023

Dave Ramsey & Jade Warshaw answer your questions and discuss:

"Should I finance a vehicle from my employer?"
How to save for a child with disabilities,
"Am I house poor?"
Update on real estate trends in 2023,
from the blog: 2023 Real Estate Trends: What You Need to Know,
Getting out of a financed vehicle.

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I Have $150k in Debt… How Do I Move Forward? (Hour 1) Mar 03, 2023

George Kamel & Ken Coleman answer your questions and discuss:

Working full-time jobs after graduation,
Dealing with a negative balance on a credit card,
Tackling $150k in debt,
Preparing for a layoff.

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Should We Pay Off Our House Right Now? (Hour 2) Mar 03, 2023

George Kamel & Ken Coleman answer your questions and discuss:

"Pay off the house early if we're moving soon?"
"How do I adjust my withholding to not pay taxes?"
from the blog: What You May Be Missing by Getting a Large Refund,
How to budget in retirement,
Working a job where you're on call 24/7,
Knowing how much term life insurance you need,
from the blog: What Is Term Life Insurance?

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What’s the Best Way for Me To Save Money? (Hour 3) Mar 03, 2023

George Kamel & Ken Coleman answer your questions and discuss:

Pursuing a career in a different city,
"Should I save with a CD?"
"When is a good time to switch careers?"
"How can I lower the payments on my student loans?"
Talking to a spouse about debt.

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You Don’t Have Any Money! (Hour 1) Mar 02, 2023

Jade Warshaw & George Kamel answer your questions and discuss:

"Can we fly to see family while in Baby Step 2?"
"Is my house too much of my net worth?"
What is My Net Worth?
Prioritizing retirement options,
"Should we pay off our house before investing?"
Annoying junk fees,
Check out Smart Money Happy Hour
"Should we rent our current home and buy something new?"

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You Don’t Need a Credit Score! (Hour 2) Mar 02, 2023

Jade Warshaw & George Kamel answer your questions and discuss:

"Can I get manual underwriting after a foreclosure?"
"Will cutting up my credit cards hurt my credit score?"
from the blog: The Best Way to Improve Your Credit Score,
"How can we speed up Baby Step 3?"
Doing a monthly budget on a weekly paycheck,
Saving up to buy a home.

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You Put a $12 Cocktail on Afterpay?! (Hour 3) Mar 02, 2023

Jade Warshaw & George Kamel answer your questions and discuss:

"How can I help an incarcerated family member and his family?"
"Is renting a bad idea?
When you should start investing,
Navigating disability benefits,
"Should I make payments on my student loans?"

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Is Dave's Money Advice Outdated? (Hour 1) Mar 01, 2023

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

"My husband has been giving his family money behind my back",
Getting rid of whole life insurance,
"Why do you recommend actively managed funds vs. index funds?"
from the blog: Understanding S&P 500 Index Funds,
Is Dave's money advice outdated?
"I was recently fired and don't know what to do next"

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My Husband Is Financially and Emotionally Abusive (Hour 2) Mar 01, 2023

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

"Should I pay off student loans first since they have no interest?"
"My husband is financially and emotionally abusive",
You can't scheme your way to wealth,
"How can I best help my mom?"
Preparing for major medical expenses.

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I’m 15 & My Parents Are Charging Me Rent! Is This Legal? (Hour 3) Mar 01, 2023

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

"I’m 15 & my parents are charging me rent! Is this legal?"
Why wealth won't solve your problems,
Saving up for a car,
"Should I pay off my car?"
"My employer wants me to get a credit card",
"Should I sell my truck?"

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Is Grad School Worth It? (Hour 1) Feb 28, 2023

Ken Coleman & Kristina Ellis answer your questions and discuss:

"Should we pause retirement to pay off our house?"
from the blog: When You Should Stop Investing,
Pausing the debt snowball for a baby,
from the blog: When to Pause Your Debt Snowball,
"Should I go to grad school?",
Renting vs. Buying,
What to do with money after a divorce.

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How Should I Use My Tax Refund? (Hour 2) Feb 28, 2023

Ken Coleman & Kristina Ellis answer your questions and discuss:

"Should we pay off the house while we're expecting?"
How to use a tax refund,
from the blog: What Do I Do With My Tax Refund?
"Should I sleep in my car to save money?"
The 10 worst-paying college degrees,
"What would a new career look like for me?"

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My Husband and I Don’t Trust Each Other With Money (Hour 3) Feb 28, 2023

Ken Coleman & Kristina Ellis answer your questions and discuss:

"Is it worth going back to school?"
The Supreme Court hearing arguments about student loan forgiveness,
"My mom talked me into getting a car loan",
"My husband and I don’t trust each other with money"

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Don't Let Debt Steal Your Reality (Hour 1) Feb 27, 2023

John Delony & Jade Warshaw answer your questions and discuss:

How to decide if you should rent or buy when moving to a new city,
from the blog: Should I Rent or Buy a House?
from the blog: How Much House Can I Afford?
What to do with debt when expecting a baby,
How you can turn $100 into $1,000,000?,
from the blog: How Teens Can Become Millionaires
"My mom lied about paying my student loans and I don't know what to do",
from the blog: The Truth About Debt and Relationships
Sign up for our Money and Marriage Getaway event with Rachel Cruze & John Delony!
How get started on the Baby Steps to really win with money,
from the blog: How to Win With Money in 7 Baby Steps

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Aim For Progress, Not Perfection (Hour 2) Feb 27, 2023

John Delony & Jade Warshaw answer your questions and discuss:

How to navigate life and business after cutting up your credit cards,
from the blog: Do I Need a Credit Card?
When you should cut your losses on a vehicle and stop repairing it,
from the blog: Is Your Car Worth Repairing? Or Should You Replace It?
What to pay attention to when you want to move up in house,
from the blog: How to Upsize Your Home in 3 Easy Steps
How to know if you should keep going to college or start working,
from the blog: Should I Go Back to School to Get My Dream Job?
"Should we keep our house and use it as an Airbnb?",
from the blog: How to Make Extra Money Using Airbnb
How to financially recover after an abusing relationship,
from the blog: How to Begin Healing From Trauma

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Zander Insurance

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You Can't Do Life Alone, But You Also Need Boundaries (Hour 3) Feb 27, 2023

John Delony & Jade Warshaw answer your questions and discuss:

What to do as a church with massive mortgage debt,
from the blog: The Church In Financial Crisis
"Should we move in with my parents to save money?"
from the blog: How to Save Money: 23 Simple Tips
How you're responsible for the solution to your own problems,
from the blog: You Are the Problem...and the Solution!
Why a taking out a HELOC is horrible way to fast track savings,
"How do I tell my wife it's time for her mom to move out of our house?",
from the blog: How to Set Boundaries: 7 Simple Steps

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Don't Grow Weary In Doing Right (Hour 1) Feb 24, 2023

Ken Coleman & Jade Warshaw answer your questions and discuss:

"Can I pause the Baby Steps to save for a car?"
from the blog: When To Pause Your Debt Snowball
How a simple side hustle can take off and drastically increase your income,
from the blog: 34 Ways to Make Extra Money
When you should or should not use savings to pay off your mortgage,
Important things to know for bookkeeping in your business,
from the blog: Best Small-Business Bookkeeping and Accounting
Why student loans are not the answer to your educational future,
from the blog: How to Pay for College Without Student Loans

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Building Slowly Ensures A Solid Foundation (Hour 2) Feb 24, 2023

Ken Coleman & Jade Warshaw answer your questions and discuss:

What to do when you want to quit your full-time job and start a business,
from the blog: How to Start a Business
How to optimize the growth of your retirement savings,
from the blog: Best Retirement Plans of 2023: Which Account Is Right For You?
"Should keep renting when we finish paying off debt?"
from the blog: Am I Ready to Buy A House?
How to know which debt to pay off first,
from the blog: What Debt Do You Pay Off First?

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Zander Insurance

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We Slept On An Air Mattress For 5 Years! (Hour 3) Feb 24, 2023

Ken Coleman & Jade Warshaw answer your questions and discuss:

"I was laid off and don't know if I want to stay in my engineering field"
from the blog: What to Do if You're Laid Off
"We slept on an air mattress for 5 years!"
from the blog: More about Jade Warshaw
How to change jobs when you don't know where to go next,
from the blog: How to Switch Careers When You're In Debt
What to do when you don't know if taking a leadership position is right for you,
from the blog: How to Be a Good Leader
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I Owe $13,000 In Taxes From My Side Hustle! (Hour 1) Feb 23, 2023

Rachel Cruze & Kristina Ellis answer your questions and discuss:

When you should pause investing to pay off your mortgage,
"I owe $13,000 in taxes from my side hustle and don't know what to do."
from the blog: Freelance Taxes 101
How to pick between going straight into the workforce or going to college,
from the blog: Is College Worth It?
How to go to college debt free,
from the blog: How to Pay for College Without Student Loans
How to be disciplined in your budget and avoid impulse purchases,
from the blog: Impulse Buying: Why We Do It And How To Stop
Is moving to be close to family ok when paying off debt?
When to pause the Debt Snowball for health a crisis,
from the blog: When To Pause Your Debt Snowball

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How To Stay Motivated With Your Life And Money (Hour 2) Feb 23, 2023

Rachel Cruze & Kristina Ellis answer your questions and discuss:

"I want to buy a Corvette but I'm scared to pull the trigger and don't know what to do."
What to do when trying to find a new career,
from the blog: What Should I Do With My Life? 7 Questions To Help You Find Your Purpose
How to stay motivated when working through the Baby Steps,
from the blog: How To Set Financial Goals
There's no shame in helping your budget by shopping at cheaper stores,
from the blog: How To Combat Inflation And Protect Your Four Walls
The best way to maximize your savings with a high yield savings account,
from the blog: What Is A High-Yield Savings Account and Do I Need One?

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Your Debt Free Education Is Worth The Sacrifice (Hour 3) Feb 23, 2023

Rachel Cruze & Kristina Ellis answer your questions and discuss:

The best ways to look for college scholarships,
from the blog: How to Apply for Scholarships
It's never too early to start saving for your kids college,
from the blog: 10 Best Ways To Save For College
How to avoid lifestyle creep,
from the blog: What Is Lifestyle Creep?
"How do I talk to my boyfriend about money?",
from the blog: The Importance of Talking About Money
What to do when family is pressuring you to pay for things that are not your responsibility,
from the blog: What to Do When Your Family Doesn't Have Your Back

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Should I Be Discouraged by the Returns on My Investments? (Hour 1) Feb 22, 2023

Kristina Ellis & George Kamel answer your questions and discuss:

"I feel guilty being a working mom",
"Should I be discouraged by the returns on my investments?"
Student Loan Forgiveness updates,
from the blog: Biden Plans to Forgive Up to $20,000 of Student Loan Debt for Borrowers: What Does It Mean for You?
"Can we save up for a house and invest at the same time?"

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My Wife Bought 5 Horses on Credit Cards (Hour 2) Feb 22, 2023

Kristina Ellis & George Kamel answer your questions and discuss:

"We rent from our in-laws and they may be evicted soon"
Getting finances on track after a divorce,
"My wife bought 5 horses on credit cards",
plus an update on George's #HorseGate saga,
"Should I cash out my 401(k) to pay off debt?"

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These Extreme Money Hacks Go Too Far… (Hour 3) Feb 22, 2023

Kristina Ellis & George Kamel answer your questions and discuss:

"Should I go to law school debt free or buy a house?"
Terrible, extreme ideas for saving money,
"Should we contribute 15% even though my employer also contributes?"
from the blog: Why Should I Invest 15% of My Income for Retirement?
"Should I buy a house with my girlfriend?"
"Someone stole my identity, what should I do?"
from the blog: What to Do If Your Identity Is Stolen
"Mom passed and left the house to her 7 kids. Should we sell it?"

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Should I Invest While I'm Still in Debt? (Hour 1) Feb 21, 2023

Dave Ramsey & Jade Warshaw answer your questions and discuss:

"Does it ever make sense to invest while you're still in debt?"
from the blog: When You Should Stop Investing,
"I'm recently widowed and wondering how I should budget on my own",
"Should I keep my long-term care insurance?"
from the blog: Long-Term Care Insurance Explained,
Saving up for a house after college,
"Should I invest in stocks or the equity of my home?"

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Should We Pull Money From Retirement? (Hour 2) Feb 21, 2023

Dave Ramsey & Jade Warshaw answer your questions and discuss:

"My job no longer aligns with my values",
"Should I pull from retirement to pay off the house?"
"How can I recapture depreciation on my rental property?"
"I'm in Baby Step 3 and feel like we won't have enough for retirement",
"Should I sell my annuity to pay off all my vehicles?"
Calculating capital gains tax on investments.

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Pay Off the House and Get Rich With Your Old House Payment! (Hour 3) Feb 21, 2023

Dave Ramsey & Jade Warshaw answer your questions and discuss:

"I have $400k in cash... should I pay off my house?"
Setting up life insurance to go to your children,
from the blog: What Is Life Insurance?
"Should I drop out of college to take a job?"
Avoiding a reverse mortgage,
from the blog: What Is a Reverse Mortgage?
"We bought a house with a solar lease"

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Congrats, You Got Evicted From Hell! (Hour 1) Feb 20, 2023

Dave Ramsey & George Kamel answer your questions and discuss:

What to do with a severance payout after a layoff,
from the blog: What to Do if You’re Laid Off,
"Our daughter just got pregnant; should we help her financially?"

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Listen to Your Wife, She’s Smarter Than You Are (Hour 2) Feb 20, 2023

Dave Ramsey & George Kamel answer your questions and discuss:

Struggling working the baby steps while building a house,
"Should I pay off my car if I might lose my job soon?"
"Should we separate our savings accounts?"
Paying off a vehicle.

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How Can I Budget for a Small Business? (Hour 3) Feb 20, 2023

Dave Ramsey & George Kamel answer your questions and discuss around business and leadership:

Budgeting for business,
"When should we buy an office space?"
"I feel like I don't have money to grow the business,"
"How do I get my business out of debt?"

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You’re Literally Flushing Money Down the Toilet (Hour 1) Feb 17, 2023

Jade Warshaw & Rachel Cruze answer your questions and discuss:

"Should we pause the baby steps to prepare for a baby?"
from the blog: Your Top Debt Snowball Questions Answered
Renting vs. buying when you're in the military,
"Where do I go after baby step 2?"
Adjusting and sacrificing lifestyle instead of going into debt,
"Should I move out of my parents' house?"

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Amputate the Tesla! (Hour 2) Feb 17, 2023

Jade Warshaw & Rachel Cruze answer your questions and discuss:

"I want a new job but I can't lose my insurance",
Saving for a new home vs. paying down the current house",
Random Acts of Kindness Day,
"Should I pay cash for my next car?"
Pausing investing to pay off debt,
"I co-signed on a car loan for my son"
from the blog: The Truth About Debt and Relationships

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Living Life Without a Credit Score (Hour 3) Feb 17, 2023

Jade Warshaw & Rachel Cruze answer your questions and discuss:

Getting an apartment without a credit score,
from the blog: Living Without a Credit Score,
Choosing health insurance,
Planning for a loss of income.

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

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Don’t Live in Fear, Take Control of Your Debt! (Hour 1) Feb 16, 2023

Kristina Ellis & Dr. John Delony answer your questions and discuss:

"Do I need to move to save money?"
"I'm drowning in debt and worried I'll lose my car"
from the blog: How Does Car Repossession Work?
The high cost of counseling,
"Should I pay off my ex to avoid giving her a share of my pension?"
"I'm being sued by Wells Fargo"

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Are We Ready To Buy a House Right Now? (Hour 2) Feb 16, 2023

Kristina Ellis & Dr. John Delony answer your questions and discuss:

"Are we ready to buy a house right now?"
Delony reacts to a study finding "Five ways credit cards can improve your mental health",
from the blog: Do I Need a Credit Card?,
"Should we move to another state?"
Saving money on groceries.
from the blog: How to Save Money on Groceries

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Is Higher Education Worth the Cost? (Hour 3) Feb 16, 2023

Kristina Ellis & Dr. John Delony answer your questions and discuss:

Getting momentum back after pausing the baby steps,
"Is higher education worth the debt?",
"I feel underpaid and not sure what the issue is",
The mental health effects of student loans.

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Remember: It’s a Starter House Not a Dream House (Hour 1) Feb 15, 2023

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

"I'm not sure what I want to do for a career",
Saving for a starter home, and why you shouldn't let comparison drive your decision,
from the blog: How to Save for a House,
"What should I do for work after I retire?",
"I can't get a promotion in the family business".

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I Don’t Trust My Boyfriend With Money (Hour 2) Feb 15, 2023

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

"Things that business leaders get wrong",
"I don't trust my boyfriend with money",
"Is it time for a change?"

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Do Something Different Even if It’s Hard (Hour 3) Feb 15, 2023

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

"My boyfriend wants me to move in with him",
The effect of social media on kids,
"How can I start a non-profit?",
"Should I sell my cars before moving to Germany?",
Making a career change.

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This Whole Thing Sounds Like a Mess (Hour 1) Feb 14, 2023

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

Dealing with a messy financial situation in a relationship,
Mindset around wealth, discussing a recent viral video from a Chad Johnson interview,
"Should I skip Baby Step 3?",
Selling a fancy new car,
"How much fun money should we budget for?"
from the blog: Why You Need Some Fun Money in Your Budget

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I Feel Trapped When Discussing Finances in My Marriage (Hour 2) Feb 14, 2023

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

Renting a car without a credit card,
"I feel trapped discussing finances in my marriage",
"Should I sell my house to start a business?"
Top 10 Ramsey Pickup Lines.

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Don’t Get Sucked Into the Negative News Cycle! (Hour 3) Feb 14, 2023

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

"Should I pull from my retirement and pay off my vehicles?",
Americans are feeling worse about their money,
"Leaving a pension to make more money elsewhere",
from the blog: Why a 401(k) Is Better Than a Pension Plan,
"I don't feel comfortable combining finances"

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I’m Not Happy at My Job and Want To Make More Money (Hour 1) Feb 13, 2023

Ken Coleman & George Kamel answer your questions and discuss:

I'm not happy at my job and want to make more money,
The problem with a YOLO mentality around money,
Preparing to move,
What to do with life insurance money,
"Should I put money in a CD while I learn to invest?"
from the blog: How to Start Investing: A Beginner’s Guide
Pausing Baby Step 2 for a new furnace.

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Should We Pay Off Debt or Invest? (Hour 2) Feb 13, 2023

Ken Coleman & George Kamel answer your questions and discuss:

"Should we stop investing while in Baby Step 2?",
"Can my son be the beneficiary for my insurance?",
"Should we save extra income to pay off debt?"
How to respond to a low salary job offer,
"Should I save for retirement or pay off my debt?"
"Should I keep building my emergency fund or invest?"
"What should we do after paying off our home?"

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When should I start investing? (Hour 3) Feb 13, 2023

Ken Coleman & George Kamel answer your questions and discuss:

"Should I start investing at 14-years-old?",
The affordability of a spouse staying at home,
"Should we sell our car?",
Zoom layoffs,
Pulling from savings to pay medical bills,
Moving out of state,
from the blog: Ramsey Cost of Living Calculator

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

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I Owe More on Student Loans Than My Mortgage! (Hour 1) Feb 10, 2023

George Kamel & Kristina Ellis answer your questions and discuss:

When to pay off medical debt,
from the blog: How to Ease the Burden of Medical Debt
Super Bowl sports betting amid record inflation,
Investing vs. paying off the house,
"My boyfriend doesn't believe in the Baby Steps",
What to do with money leftover in an ESA account.
from the blog: ESA vs. 529: Which Is Better for You?

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If You Can’t Afford It, It’s Not a Dream Home (Hour 2) Feb 10, 2023

George Kamel & Kristina Ellis answer your questions and discuss:

"Do we rent in a bad area to save money?"
Kristina's #FrugalFebruary challenge,
Getting a good return out of an IRA,
"Should we build credit to buy a house?"
from the blog: The Best Way to Improve Your Credit Score,
"My mom stole the money I had saved for a car".

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My Roommate Isn’t Paying His Share of the Rent (Hour 3) Feb 10, 2023

George Kamel & Kristina Ellis answer your questions and discuss:

"My roommate isn't paying his share of the rent",
George & Kristina read song lyrics Dave Ramsey from ChatGPT (lyrics below),
How to get health insurance when your job doesn't provide it,
from the blog: Health Insurance FAQs,
Handling larger expenses in Baby Step 2,
George tells his story.

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A Song About Dave Ramsey

by ChatGPT

Verse 1:

He'll teach you how to save your cash

And make your money grow,

He'll show you how to live below

Your means and let it flow.

Chorus:

Dave Ramsey, he's the man,

With financial wisdom in his hand,

He'll guide you through the ups and downs,

On the road to financial soundness.

Verse 2:

He'll teach you how to pay off debt

And not to live in fear,

He'll show you how to invest

For a future that is clear.

Bridge:

He's got a plan for you and me,

To live a life of financial glee,

So listen to his words of advice,

And you'll be living the good life, twice.

Outro:

So take his advice and run,

And you'll see the money come,

Dave Ramsey, he's the man,

With financial wisdom in his hand.

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Should I Put 20% Down on My Home? (Hour 1) Feb 09, 2023

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

"How should I think through caring for a father who drank himself into disability?",
"Should I put 20% down on my home?",
from the blog: What Is Private Mortgage Insurance (PMI) and How Does It Work?
"Should I use a HELOC to pay my student loans?",
"What's the best way for me to save and invest money?"
"Should we buy a house before we get married?"

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I Can’t Sleep Because of My Debt (Hour 2) Feb 09, 2023

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

"I thought I would feel more peace in Baby Step 7",
"I can't sleep because of my debt",
How long to be gazelle intense,
from the blog: Gazelle Intensity: Do You Have It?
"My wife wants us to upgrade in home but I don't want to borrow more money for it",
"Should I pay off my future wife's Parent PLUS loans when we get married?"

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Don’t Be an Enabler When It Comes to Money (Hour 3) Feb 09, 2023

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

"How can I help my in-laws who are being evicted?",
"My mom keeps giving me money even though I know she has bad spending habit",
"How do I get out of my 19% interest car loan?",
"We haven't combined finances in 20 years".

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10 Things You Need To Know About the Secure Act 2.0 (Hour 1) Feb 08, 2023

Dave Ramsey & George Kamel answer your questions and discuss:

Selling stocks to pay off the house,
Dealing with buyer's remorse on a recent house purchase.
from the blog: How to Keep 3 Common Home Repairs From Busting Your Budget
10 things you need to know about The Secure Act 2.0,
"Should I tithe on my tax refund?"

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My Wife and I Disagree on How To Pay Off Debt (Hour 2) Feb 08, 2023

Dave Ramsey & George Kamel answer your questions and discuss:

"Should we buy a house if we're moving soon?"
The best way to pull retirement funds,
"My wife and I disagree on how to pay off debt",
Chuck & Cindy do a powerful & emotional debt-free scream from the hospice bed,
"Where does a 401(k) loan go in the debt snowball?"
from the blog: How the Debt Snowball Method Works

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PODS Moving & Storage

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HELOC vs. a New House/Mortgage (Hour 3) Feb 08, 2023

Dave Ramsey & George Kamel answer your questions and discuss:

"Should we empty savings to pay off the house?"
Home improvement loan vs. new mortgage,
"Does a backdoor Roth IRA make sense for me?"
from the blog: The SECURE 2.0 Act: Everything You Need to Know
Saving for a house vs. focusing on investing.

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How Can I Retire Early? (Hour 1) Feb 07, 2023

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

The comfort crisis in America,
Thinking through early retirement,
from the blog: What Is the F.I.R.E. Movement?
Paying off the house vs. saving for retirement,
Selling a rental property while paying off debt.

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Hot Water Heater Busted & My Emergency Fund Won’t Cover It (Hour 2) Feb 07, 2023

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

"My hot water heater busted and my emergency fund won't cover it."
from the blog: How to Keep 3 Common Home Repairs From Busting Your Budget
"I'm having a hard time getting my wife on board with cutting up our credit cards",
Using an inheritance to pay off a house,
Investing more in the market while it's down.

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How Do I Stay Motivated in the Baby Steps? (Hour 3) Feb 07, 2023

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

Staying motived on your debt-payoff journey,
Selling an investment property,
Paying off debt during a layoff,
Finding a good side hustle,
Why Whole Life insurance sucks.
from the blog: What Is Whole Life Insurance?
Investing time in your kids.

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Is the Money in My Savings Account Just “Melting Ice”? (Hour 1) Feb 06, 2023

Dave Ramsey & Jade Warshaw answer your questions and discuss:

Dealing with family estate drama,
When money in savings becomes like "melting ice",
Retirement accounts,
Join Jade's FPU Class!
Dealing with increasing home insurance rates.

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We’re Not on the Same Page and Considering Divorce (Hour 2) Feb 06, 2023

Dave Ramsey & Jade Warshaw answer your questions and discuss:

"We're in a financial mess, what can we do?",
Gilbert & Michelle pay off $113,417 in 39 months!
"My wife has $24K in debt that I didn't know about".

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Pay Off the House or Invest More? (Hour 3) Feb 06, 2023

Dave Ramsey & Jade Warshaw answer your questions and discuss:

"Should I invest less to pay more on my house?"
Getting rid of a car lease,
Catching up on investing,

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You Can Have Financial Security When Changing Jobs (Hour 1) Feb 03, 2023

Kristina Ellis & Rachel Cruze answer your questions and discuss:

The best way to pay off your house early,
from the blog: How to Pay Off Your Mortgage Early
When can you spend money on a side hustle,
from the blog: How to Take Your Side Hustle Full Time
How to become financially secure when switching careers,
from the blog: How to Switch Careers When You're in Debt
When you should start talking to your kids about money,
from the blog: How to Talk to Your Kids About Money
"Should I move off campus if I want to get a girlfriend?"
How to separate assets with family.

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College Is Worth It, Without The Loans (Hour 2) Feb 03, 2023

Kristina Ellis & Rachel Cruze answer your questions and discuss:

What to do when you don't have the motivation to finish your degree,
from the blog: Is College Worth It?
What parent should do when it comes to paying for their kids college,
from the blog: How to Pay for College Without Student Loans
What to do with debt when finishing college,
"Should I pull from my 401(k) to pay off student loans and remodel our home?"
from the blog: The High Price of a 401(k) Withdrawal
How you should handle whenever you and your spouse don't agree on finances,
from the blog: What to Do When Spouses Don't Agree on Money

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PODS Moving & Storage

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You Don't Need To Buy A House, You're Broke! (Hour 3) Feb 03, 2023

Kristina Ellis & Rachel Cruze answer your questions and discuss:

How to pay a doctorate debt free,
from the blog: How to Pay for College Without Student Loans
The things you should take into consideration when moving across the country,
from the blog: Ramsey Relocation Guide
How you and your spouse can get on the same page with finances when living paycheck to paycheck,
from the blog: Money and Marriage: 7 Tips for a Healthy Relationship
"I feel like a hypocrite for taking out a mortgage"
from the blog: How Much House Can I Afford?

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Stop Just Listening And Start Applying! (Hour 1) Feb 02, 2023

Dave Ramsey & Jade Warshaw answer your questions and discuss:

How to handle business debt when tackling the Baby Steps,
from the blog: Are Business Debt and Personal Debt the Same?
When you should pause the Baby Steps and save up cash,
from the blog: When to Pause Your Debt Snowball
Why HELOC's do make you financially sophisticated,
from the blog: HELOC: What Is a Home Equity Line of Credit?
"Should we be content in our current home?"
from the blog: How to Own Your Dream Home
Should I use collector cars as assets for the future?

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You're Limited By Your Own Mindset! (Hour 2) Feb 02, 2023

Dave Ramsey & Jade Warshaw answer your questions and discuss:

How to make good long term decisions for your finances and career,
from the blog: How to Change Your Money Mindset
How your mindset is your greatest limiting factor,
How to navigate life after losing a spouse,
from the blog: Life Insurance Payout: How Does It Work?
Where is the best place to save money while saving for a house?
from the blog: Saving for a Down Payment Guide
Why travel trailers lose so much money,
What to do with company stocks when you have debt.

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Want a plan for your money? Find out where to start: https://bit.ly/3nInETX

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It's Time To Stop Giving 70% (Hour 3) Feb 02, 2023

Dave Ramsey & Jade Warshaw answer your questions and discuss:

When you should look for a new job because your boss won't give you a raise,
How to have a buffer in your checking account when creating a zero-based budget,
from the blog: How to Create a Zero-Based Budget
"I have the money, but I'm scared to pay off my car early. What should I do?"
from the blog: Should I Pay Off My Car Early?
"My boss wants to sell me the company I work for but I don't have the money."
from the blog: How to Buy a Business: 4 Questions You Need to Ask

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Want a plan for your money? Find out where to start: https://bit.ly/3nInETX

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What’s the Best Way To Buy My First Home? (Hour 1) Feb 01, 2023

Dave Ramsey & Rachel Cruze answer your questions and discuss:

The best way to buy your first home.
from the blog: Tips for First-Time Home Buyers,
How Ramsey investing principles apply in foreign countries,
"Should I ride out a 529 in this down market?",
When it's ok to dip into the emergency fund,
from the blog: 3 Questions to Ask Before You Use Your Emergency Fund,
What to do with extra money in the bank.

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I Co-Signed on a House w/ My Ex & She Owes the IRS $100k! (Hour 2) Feb 01, 2023

Dave Ramsey & Rachel Cruze answer your questions and discuss:

"Should I buy a house and rent it out to my parents so they can move closer?"
"I co-signed on a house with my ex-wife and she owes the IRS $100k",
from the blog: The Truth About Debt and Relationships,
Setting up an estate for a loved one.
from the blog: What Is Estate Planning and How Do I Get Started?

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How & Why Married Couples Should Combine Finances (Hour 3) Feb 01, 2023

Dave Ramsey & Rachel Cruze answer your questions and discuss:

"How can I teach my son about money when his biological father is terrible with money?"
from the blog: 15 Ways to Teach Kids About Money,
How a married couple should combine their money,
"Should I do a cash-out refi?"
from the blog: Cash-Out Refinance: How It Works and Is It Worth It?
Do I need to set up a non-profit?

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Quit Spending & Get Your Stupid Butt Out of Debt! (Hour 1) Jan 31, 2023

Dave Ramsey & Kristina Ellis answer your questions and discuss:

How to maximize your retirement options,
Wins from Kristina's #NoSpendChallenge,
from the blog: How to Crush a No-Spend Month
"Can we pull from our 401(k) to get our dream home?"

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Is the Government Really Going To Shut Down? (Hour 2) Jan 31, 2023

Dave Ramsey & Kristina Ellis answer your questions and discuss:

"How can I prepare for a government shutdown?"
from the blog: What Is a Government Shutdown and How It Could Affect You
"Can I move funds from an IRA to a 529?"
What the Secure Act 2.0 means for those with student loans,
"I need a new car soon",
Where to start on your money journey.

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

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Over $200K in Debt and Don’t Know Where To Start (Hour 3) Jan 31, 2023

Dave Ramsey & Kristina Ellis answer your questions and discuss:

"We're over $200K in debt and don’t know where to start",
from the blog: How to Get Out of Debt With the Debt Snowball Plan
Dealing with a pension during a potential job change,
"How should I be allocating my money?"
Gold as an "insurance policy" during an economic collapse.

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

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Your Life Will Suck if You Wait on the Government To Fix It! (Hour 1) Jan 30, 2023

Dave Ramsey & Jade Warshaw answer your questions and discuss:

"Do I have a financial obligation to my adult daughter?",
When to do house repairs,
"Should I pay off my student loans or wait to see what happens with forgiveness?",
Join Jade's Virtual FPU Class!
Paying cash for a house,
from the blog: 3 Simple Steps to Pay Cash for Your Home.

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QUIT Making Impulsive Decisions, You’re Going Broke! (Hour 2) Jan 30, 2023

Dave Ramsey & Jade Warshaw answer your questions and discuss:

What to do with a home when you move,
Why you're always going to be broke until you stop making impulsive money decisions,
"Can I afford a $130,000 car?".

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

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Investing in Crypto = Gambling (Hour 3) Jan 30, 2023

Dave Ramsey & Jade Warshaw answer your questions and discuss:

The best way to combine assets,
Investing in crypto (and why you shouldn't),
Moving forward after bankruptcy,
Overtime vs. a second job,
Taking a pay cut to get a job you love.

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My Husband Told Me To Stop Spending Money but He Doesn’t Make Any! (Hour 1) Jan 27, 2023

Dr. John Delony & Rachel Cruze discuss:

Caring for aging parents without enabling them.
"Should I attack my student loans or just make the monthly payments?"
"My husband is telling me to stop spending money, but he doesn't make any!"
Paying off your mortgage.

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Should We Borrow Money From Family at 0% Interest? (Hour 2) Jan 27, 2023

Dr. John Delony & Rachel Cruze discuss:

"Should we borrow money from family at 0% interest?"
How to use money from a settlement,
"Should we pay off debt or wait to see what we owe on taxes?"
Piling up cash when expecting a baby,
Which to pay off first: student loans or mortgage,
John & Rachel react to Sebastian Ghiorghiu's viral video.

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Don’t Make Decisions Today That Your Future Self Will Hate (Hour 3) Jan 27, 2023

Dr. John Delony & Rachel Cruze discuss:

Paying for college without scholarships,
Funding an emergency fund with mutual funds,
Renting while looking for a home,
Why people freak out when we tell married couples to combine bank accounts,
What to do with money in a CD,
"Can we have fun money in baby step 2?",
Getting caught up on bills.

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How Do I Become Financially Independent? (Hour 1) Jan 26, 2023

George Kamel & Jade Warshaw answer your questions and discuss:

"How do I become financially independent?",
Paying off debt before buying a home,
Switching to a new retirement plan.

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I’m Afraid To Spend Our Savings (Hour 2) Jan 26, 2023

George Kamel & Jade Warshaw answer your questions and discuss:

"I'm afraid to spend our savings",
Knowing what the best next step is for you,
"Do I need car insurance for a borrowed car?"
Business loans vs. personal loans.

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Wealth Is Best Built Slowly and Intentionally (Hour 3) Jan 26, 2023

George Kamel & Jade Warshaw answer your questions and discuss:

Paying your way through college,
What to do with inherited property,
Combining finances after marriage,
A deep dive on Baby Step 3,
Dealing with an expensive mortgage.

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

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I Owe $32k on a Car Worth $18k! (Hour 1) Jan 25, 2023

George Kamel & Kristina Ellis answer your questions and discuss:

Renting vs. buying a house,
from the blog: Should I Rent or Buy a House?
"I owe $32k on a $18k car... what can I do?",
Why you should never borrow on your 401(k) and stay away from HELOCs,
from the blog: What Is a Home Equity Loan?
The best way to save for grad school.

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Rent Keeps Going Up – Here’s What You Can Do About It (Hour 2) Jan 25, 2023

George Kamel & Kristina Ellis answer your questions and discuss:

Rent prices are going up,
What to do with a large settlement,
The best way to tackle student loans,
Financially preparing for marriage.

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The Underwhelming Math Behind Credit Card Points (Hour 3) Jan 25, 2023

George Kamel & Kristina Ellis answer your questions and discuss:

Using credit card points to pay off a mortgage,
Update on student loan provision in the Secure Act 2.0,
Selling a truck to pay off the house,
Knowing which credit card to pay off first.
Dealing with overdrafts.

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

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To Win With Money, Submit to the PROVEN Plan! (Hour 1) Jan 24, 2023

George Kamel & Jade Warshaw answer your questions and discuss:

Investing for retirement when you have no outlet through your employer,
"Should I buy a house with my girlfriend?"
Why the Baby Steps are a proven plan to win with money,
Join Jade's FPU Class!
When you should convert a 401(k) to a Roth,
Why momentum matters more than interest rates when paying off debt.

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I Have $120,000 Buried in Tin Cans (Hour 2) Jan 24, 2023

George Kamel & Jade Warshaw answer your questions and discuss:

I have $120,000 buried in tin cans,
How digital subscriptions can be death by a thousand cuts,
High-yield savings accounts,
The "rent-a-chicken" trend,
Convincing a boyfriend to pay off his debt.

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More Millennials Than Ever Are Living With Their Parents (Hour 3) Jan 24, 2023

George Kamel & Jade Warshaw answer your questions and discuss:

What to do with $500k in savings,
Millennials living with their parents,
"Should I cancel my universal whole life policy?"
"How can I move out of my parents' house?"
Saving money in the bank vs. investing with an advisor.

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Is It Possible To Invest TOO Much? (Hour 1) Jan 23, 2023

George Kamel & Ken Coleman answer your questions and discuss:

Catching up on retirement investing,
Cashing out a 401(k),
"Is it ever possible to invest too much?",
from the blog: Dave's Investing Philosophy
"Should I get into house hacking?"

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I Bought a Car at 24% Interest! (Hour 2) Jan 23, 2023

George Kamel & Ken Coleman answer your questions and discuss:

Getting your budget dialed in,
"I bought a car at 24% interest!",
The insanity of recent Google layoffs,
"I'm retired but I want to go back to work"

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Should I Sell Investments To Pay Off Debt? (Hour 3) Jan 23, 2023

George Kamel & Ken Coleman answer your questions and discuss:

Dealing with tax debt,
"How picky should I be in my job search?"
Credit scores and why you don't need one,
"I'm scared the economy is going to collapse and the government will take my money".

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

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Should I Leave My Toxic Job? (Hour 1) Jan 20, 2023

Ken Coleman & George Kamel answer your questions and discuss:

When you should leave a toxic work environment,
"Can I work multiple baby steps at once?"
Taking a job you're nervous about,
"The great quit": why Gen Z are quitting their jobs",
Getting out from an upside down truck.

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I Can’t Seem To Stick to a Budget (Hour 2) Jan 20, 2023

Ken Coleman & George Kamel answer your questions and discuss:

How to stick to a budget,
What to do with an inheritance,
"I feel stuck in the Baby Steps, what can I do?"
"Our wealth is causing division with friends and family"

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Zander Insurance

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What the U.S. Hitting the Debt Ceiling Means for You (Hour 3) Jan 20, 2023

Ken Coleman & George Kamel answer your questions and discuss:

Withdrawing from a 401(k),
Preparing for a layoff,
Choosing a higher-paying job vs. a more stable one,
What the Debt Ceiling news means for the average American,
Paying off debt when you don't have any margin,
When a dream job suddenly isn't.

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

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Bonus Episode: Are You Ready to Build Wealth in 2023? Jan 20, 2023

The economy’s still crazy—and maybe you’re worried last year’s money stress will follow you into 2023. It doesn’t have to! Dave, George and Rachel will unpack how you can still make progress, build wealth, and have peace with your money this year. Yep, even in tough, uncertain times.

Get our limited-time offer on Financial Peace University and make 2023 the year you get rid of money stress: (http://bit.ly/3QSiKjV)

Watch the full Building Wealth livestream, plus a special panel discussion here: https://www.ramseysolutions.com/wealth

How Do I Start the Baby Steps? (Hour 1) Jan 19, 2023

Kristina Ellis & George Kamel answer your questions and discuss:

Pulling from mutual funds to pay off debt,
from the blog: Should I Use My Investments to Pay Off Debt?
"How do I get started on the Baby Steps?"
from the blog: How to Win With Money in 7 Baby Steps
An update on the Debt Ceiling and Student Loan Forgiveness,
"I'm over $100k in debt. should I declare bankruptcy?"
"Should I pay for my ex-husband's funeral?"

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

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX

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Should I Still Be Investing While Paying Off Debt? (Hour 2) Jan 19, 2023

Kristina Ellis & George Kamel answer your questions and discuss:

Getting out of a car lease,
from the blog: How Does Leasing a Car Work?
Update on Kristina's #NoSpendChallenege,
"Should I be investing while paying off debt?"
from the blog: When You Should Stop Investing
What a "Super Roth" is and whether or not you should do one,
How to use an inheritance well.

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

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX

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Intentionality Is the Key to Winning With Money (Hour 3) Jan 19, 2023

Kristina Ellis & George Kamel answer your questions and discuss:

"My wife thinks FPU is a scam",
Helping a daughter decide on a career,
"Should I roll my loans into a mortgage?"
Using savings to pay off debt,
What to do after a job loss,
Balancing a side-hustle with family time.

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

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX

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Don’t Make These Stupid Mistakes With Money (Hour 1) Jan 18, 2023

George Kamel & Jade Warshaw answer your questions and discuss:

How much to spend on a new vehicle,
"We're having a hard time tracking expenses"
from the blog: Baby Step 1: Your Budgeting Guide
Keeping two jobs vs. only one job that pays better,
"Should I pull from single stocks to pay off debt?"
from the blog: Should I Use My Investments to Pay Off Debt?
Making stupid mistakes with money,
"Should I get a construction loan?"

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

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX

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I’m Scared To Only Have $1000 for Emergencies (Hour 2) Jan 18, 2023

George Kamel & Jade Warshaw answer your questions and discuss:

"I'm scared to only have $1000 for an emergency fund"
from the blog: Is a $1,000 Emergency Fund Enough?
Why you should never pay your girlfriend's student loan,
"Should I buy a truck at 19 years old?"
"How quickly can I get this debt paid off?"

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

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX

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5 Things You Need To Know Before Filing Taxes (Hour 3) Jan 18, 2023

Jade Warshaw & George Kamel answer your questions and discuss:

"Should I keep living with my parents or move out?"
5 things you need to know before filing taxes,
from the blog: Tax Season 2023: What You Need to Know (and Looking Ahead to 2024)
Selling and building a new home,
Saving for fertility treatment,
Refinancing a home.

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

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX

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Stop Listening To Broke People! (Hour 1) Jan 17, 2023

John Delony & George Kamel discuss:

How to get out of debt when you feel lost on your current career path,
from the blog: How To Pay Off Debt
"How do we buy a house without a credit score?"
from the blog: Can You Buy A House With No Credit? and Living Without A Credit Score
The best way to figure out how to start investing,
from the blog: How To Start Investing: A Beginner's Guide
The differences between your emergency fund and sinking funds,
from the blog: What Is A Sinking Fund and How Do You Create One?
Why you should stop investing when you're in debt and have no savings,
from the blog: 40 with No Savings? How To Retire A Millionaire

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

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX

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What's The Price Of Your Soul? (Hour 2) Jan 17, 2023

Dr. John Delony & George Kamel discuss:

How to take control of your life and your finances,
What to do when gifts from family members come with strings attached,
Why sacrificing your lifestyle will accelerate your debt payoff journey,
from the blog: Are The Sacrifices Worth Being Debt Free? These People Think So
"Which of my debts should I pay off first?"
from the blog: What Debt Do You Pay Off First?
What to do when you keep getting stuck in the Baby Steps,
from the blog: How To Finally Take Control Of Your Finances
Why you should never pull from your 401(k) before retirement,
from the blog: 4 Life Events You Shouldn't Cash Out Your 401(k) to Fund

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

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX

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My Dad Wants Me To Get A Prenup! (Hour 3) Jan 17, 2023

Dr. John Delony & George Kamel discuss:

What to do when family members want you to get a prenup but you don't want to,
How investing in Legos and other toys is a horrible way to build wealth,
from the blog: Dave's Investing Philosophy
How to navigate grief and what's next after the loss of a parent,
Why the interest on debt doesn't matter in the Debt Snowball,
from the blog: Debt Snowball vs. Debt Avalanche
How to pick where to live when commuting to work
from the website: Cost Of Living Calculator

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

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX

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Your Boyfriend Doesn’t Get a Vote! (Hour 1) Jan 16, 2023

George Kamel & Jade Warshaw answer your questions and discuss:

"My boyfriend wants me to sell my vehicle",
American men's obsession with trucks,
"How should I split my income between my mortgage and investments?"
When it makes things to sell things to get out of debt,
Using inheritance money to build the best financial future,
from the blog: What to Do With an Inheritance
"We're not on the same page about downsizing our vehicles"
"How should we adjust our investments after having our first baby?"

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Why Grocery Prices Are Up and What You Can Do About It (Hour 2) Jan 16, 2023

George Kamel & Jade Warshaw answer your questions and discuss:

Saving for a new roof,
How much money to set aside for taxes,
How to save money on groceries,
from the blog: Why Are Food Prices Going Up?
"How can I maximize my wealth with the baby steps?"

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How Much Should I Spend on a Car? (Hour 3) Jan 16, 2023

George Kamel & Jade Warshaw answer your questions and discuss:

"What should I do after selling my house?"
How much to spend on a vehicle,
"When should I move out of my parents' house?"
What to do with a big insurance settlement,
"Should I consolidate my debt?"
from the blog: What Is Debt Consolidation?
Accepting a lower offer on a home sale.

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Don’t Fall for the Nothing-Down Real Estate Trap! (Hour 1) Jan 13, 2023

George Kamel & Ken Coleman answer your questions and discuss:

Combining finances in marriage,
Why you shouldn't fall for nothing down real estate schemes,
How sometimes you have to say no to something good to achieve something great.

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Following the Baby Steps Will Build Your Wealth (Hour 2) Jan 13, 2023

George Kamel & Ken Coleman answer your questions and discuss:

Saving up to fix a car while paying off debt,
"How much emergency fund do I need?"
from the blog: A Quick Guide to Your Emergency Fund
Why you shouldn't pause investing to pay off the house
from the blog: When You Should Stop Investing
What to do with an extra half a million in cash,
Buying a house vs. renting.

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How Can I Make Money As Fast as Possible so I Can Retire Early? (Hour 3) Jan 13, 2023

George Kamel & Ken Coleman answer your questions and discuss:

"I'm 25 and live with my parents, what should I do with my money?"
"How can I best help my parents with money?"
"Should I stay at my part time job if I love it?"
"I'm a single mom facing eviction"
The practicality of getting solar panels.

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No More Excuses, You CAN Build Wealth! (Hour 1) Jan 12, 2023

Join the free Building Wealth Livestream Event on January 12th!

Ken Coleman & George Kamel answer your questions and discuss:

"Should I buy a house right now or keep renting?"
from the blog: Should I Rent or Buy a House?
"What are guidelines about moving to a different states?"
from the blog: How to Move to Another State
Buc-ee’s is paying six-figures with no experience necessary,
Whether or not to buy a fixer-upper,
from the blog: Buying a Fixer-Upper Home: What to Know

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Talk Me Out of Keeping My Car Loan… (Hour 2) Jan 12, 2023

Ken Coleman & George Kamel answer your questions and discuss:

"I'm having a hard time finding my career path",
Why whole life insurance sucks,
from the blog: Term vs. Whole Life Insurance: What’s the Difference?
"Talk me out of keeping my car loan..."
Why people lie on their resumes (and why you shouldn't let self-doubt hold you back),
Financially preparing for a baby.
from the blog: Having a Baby? Don't Forget These Expenses

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PODS Moving & Storage

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Pursuing a Career vs. a Job Just To Make Money (Hour 3) Jan 12, 2023

Ken Coleman & George Kamel answer your questions and discuss:

How you can create margin and build wealth: Tune into Building Wealth Live
Whether or not you should stay in a job where you feel undervalued,
Avoiding debt-consolidation,
Pursuing a career vs. a job to make money,
"I want to leave my engineering job to be a plumber".

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I Owe My Uncle $11K in Overdue Rent and He Isn’t Speaking to Me (Hour 1) Jan 11, 2023

Join the free Building Wealth Livestream Event on January 12th!

Rachel Cruze & Jade Warshaw answer your questions and discuss:

The struggles that women face around pink tax,
"I owe my uncle $11k in overdue rent and he isn’t speaking to me",
"I'm a domestic abuse survivor looking for a fresh start with money",
"How can we grow our family without taking on more debt?"
When you can go into "storm mode" while paying off debt (but why you shouldn't overdo it),
Starting a business on maternity leave.

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Ignorance Is Not Bliss… It’s BROKE (Hour 2) Jan 11, 2023

Rachel Cruze & Jade Warshaw answer your questions and discuss:

Why IRS debt always goes at the top of the debt snowball,
Saving for college vs. paying off the house,
from the blog: How Do I Save for Retirement, College, and Pay Off the Mortgage at the Same Time?
Should you keep a secret separate bank account from your spouse just in case?
What to do with profit from stocks,
"Should I avoid buying a new house since I'm about to get engaged?"
When and if you should sell a house to pay off debt,
from the blog: Should You Sell Your Home to Knock Out Debt?
"We're drowning in debt..."

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Zander Insurance

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JADE RANT: Your Stupid Car Payment Is Keeping You Middle Class! (Hour 3) Jan 11, 2023

Rachel Cruze & Jade Warshaw answer your questions and discuss:

"Can we afford to buy a home this year?"
from the blog: How Much House Can I Afford?
Jade loses her mind over insane car payments and tells you what to do about it,
"Should we change our investing strategy?"
What to do when morning sickness affects your food budget.

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

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What's the ROI of a College Degree? (Hour 1) Jan 10, 2023

Join the free Building Wealth Livestream Event on January 12th!

George Kamel & Kristina Ellis answer your questions and discuss:

"I'm late saving for my kids' college - what can I do now?"
How to Pay for College Without Student Loans
"My house burned down and friends raised $100k for me - how should I use it?"
The ROI on college degrees (and why you shouldn't consider a student loan an "investment"),
Cash-flowing a master's degree,

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The Best Way To Do a Home Remodel (Hour 2) Jan 10, 2023

George Kamel & Kristina Ellis answer your questions and discuss:

"How can I remodel my home without spending a fortune?"
From the blog: What Are the Best Home Improvements to Boost Value?
Update on Kristina's #NoSpendChallenge,
"Do we need life insurance?"
"How long should we save for a house?"
From the blog: How to Save for a House

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

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Don’t Let FOMO Guide Your Investing Strategy (Hour 3) Jan 10, 2023

George Kamel & Kristina Ellis answer your questions and discuss:

When should I pay off my HELOC?
Why you shouldn't let FOMO inform your investing strategy (and avoid investing in art),
The aftermath of co-signing on a loan,
Investing vs. paying off debt.

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

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We Put $112k on Credit Cards for Our Wedding (Hour 1) Jan 09, 2023

George Kamel & Jade Warshaw answer your questions and discuss:

What's the deal with tipping screens set so high?
"Should I do a cash-out refi to buy a new home?"
The debt snowball method vs. the avalanche method,
"Should we rent before we buy in a city we just moved to?"
Investing after selling off real estate.

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

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX

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How Do I Set Myself Up for Financial Success? (Hour 2) Jan 09, 2023

George Kamel & Jade Warshaw answer your questions and discuss:

Setting up a marriage for financial success,
"Should I borrow money for a certification that can increase my income?"
"I lost $85k in single stocks",
HR Block offering tax refund advance loans,
Updating payroll tax withholdings,
What to look for when buying a home,
Selling an upside down car.

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Grip6

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Beat Inflation With These Money Hacks (Hour 3) Jan 09, 2023

George Kamel & Jade Warshaw answer your questions and discuss:

"How do I tackle my debt?"
Inflation hacks for groceries, housing and utilities, transportation, and lifestyle,
Avoiding a flashy lifestyle on a high income,
Preparing for a loved one who has terminal cancer.

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

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX

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JADE RANT: Be a Crockpot in a World Full of Microwaves (Hour 1) Jan 06, 2023

Join the free Building Wealth Livestream Event on January 12th!

George Kamel & Jade Warshaw answer your questions and discuss:

Paying off the house vs. investing,
"Should I keep a HELOC or refinance?"
IRA: Roth vs. Traditional,
"I took out student loans to invest and lost my money"
"Should I sell the condo?"

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Here’s What You Need To Know About Tax Season 2023 (Hour 2) Jan 06, 2023

George Kamel & Jade Warshaw answer your questions and discuss:

What to expect with your taxes in 2023,
How long to plan to live in a house,
"How can I make a large business purchase without debt?"
Getting out of a car lease.

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Churchill Mortgage

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How Can I Best Grow My Money? (Hour 3) Jan 06, 2023

George Kamel & Jade Warshaw answer your questions and discuss:

"Is car sharing on Turo a good side hustle?"
What to do when your goals don't align with your financial planner,
Investing vs. saving for a future house,
What to do with unused 529 money.

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

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX

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Should I Invest Extra Money or Keep It in Savings? (Hour 1) Jan 05, 2023

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

Why you shouldn't borrow money from your dad (or anyone for that matter),
How can I help my daughter and her future husband start off on the right foot,
"Should I put extra money in an IRA or keep it in savings?"
"How can I convince my husband to pay off debt instead of wasting it?",
The best way to treat an emergency fund.

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

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX

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Should I Look for a Job With Better Benefits? (Hour 2) Jan 05, 2023

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

"Should I look for a job with better benefits or better pay?"
What Gaslighting actually means,
The best way to use health insurance,
The Damar Hamlin injury and how to deal with trauma,
Helping a friend with crippling anxiety.

Support Our Sponsor:

Zander Insurance

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

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX

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I Have $500K in Debt in a Little Bit of Everything (Hour 3) Jan 05, 2023

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

Living in a van to save money on rent,
Why intentionality and identity are key to setting goals this year,
A woman whose husband won't partner with her to pay off $500k of consumer debt,
"I cashed out my whole life insurance; how do I invest the extra money?"

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

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX

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How To Do a #NoSpendChallenge in 2023 (Hour 1) Jan 04, 2023

Join the free Building Wealth Livestream Event on January 12th!

Kristina Ellis & George Kamel answer your questions and discuss:

What to do with money from a tax return (and why you shouldn't want or plan for a large return),
How to do a #NoSpendChallenge in 2023,
The right way to buy a home,
"How do I manage my money well after getting my first real job after college?"

Support Our Sponsor:

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

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Your Niece Is Taking Advantage of You… She Can Work! (Hour 2) Jan 04, 2023

Kristina Ellis & George Kamel answer your questions and discuss:

Avoiding getting scammed when trying to sell a home,
Why you shouldn't use your student loan to repair your car,
"What's the best way to save for my kids' college?"
Avoiding enabling a relative who is taking advantage,
Buying vs. renting a home.

Support Our Sponsor:

PODS Moving & Storage

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

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX

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Lump Sum vs. Dollar Cost Averaging (Hour 3) Jan 04, 2023

Kristina Ellis & George Kamel answer your questions and discuss:

Lump Sum vs. Dollar Cost Averaging,
How student loans are a lot like gambling debt,
"How do I prepare for college as a 15-year-old?"
Avoiding a reverse mortgage.

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

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX

Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

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How Long Should It Take Me To Get Out of Debt? (Hour 1) Jan 03, 2023

George Kamel & Ken Coleman answer your questions and discuss:

"Should I buy a house before I get married to protect myself in case of divorce?"
"How long should it take me to get out of debt?"
"How should I reveal to my new employer that I was recently let go?"

Support Our Sponsor:

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

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX

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