Make Sacrifices Today To Achieve Your Financial Goals
🤔 Think you’re good with money? Take our Money in America quiz!
Dave Ramsey and Rachel Cruze answer your questions and discuss:
"As a single mom, what is the best way to get rid of a day care debt that is past due?"
"My boyfriend and I both have student loan debt, how do we start investing once we are debt-free?"
"We are in Baby Step 3 and wanting to set up a special needs trust for our child. Should we pause Baby Step 3?"
"I have an inconsistent income and 4 kids. While paying off debt, how much should we keep in savings?"
"As a truck driver, should I live out of my truck versus buying a home to save money, or is that being too frugal?"
"How do you pay off your credit cards when the minimums are half my take-home pay?"
Next Steps:
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🧮 Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!
🏠 Get organized and prepared to buy or sell a home.
🛡️Get trusted insurance coverage that fits your budget
📚 Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!
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2:17:11
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2:17:11
You Can’t Afford To Be Careless With Money
🤔 Think you’re good with money? Take our Money in America quiz!
Dave Ramsey and Dr. John Delony answer your questions and discuss:
"Should I keep cash at my house?"
"Should we live close to our parents for a low monthly rent or move further away?"
"Should my partner take out a HELOC on our house to pay me his part of our down payment?"
"Our insurance didn't pay us after a natural disaster destroyed our home. How do we start over?"
Next Steps:
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📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.
📱 Get episodes early in the free Ramsey Network app!
🤕 Get trusted insurance coverage that fits your budget.
💵 Start your free budget today. Download the EveryDollar app!
❓ Find out where you stand with your money and get a free plan.
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!
Go to Casper Sleep and use promo code RAMSEY to learn more.
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.
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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2:18:22
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2:18:22
You Have To Clean Up Your Financial Mess Before Building Wealth
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Dave Ramsey and Jade Warshaw answer your questions and discuss:
"My husband is planning to give our land away..."
"What should I do with a $60k bonus?"
"Should we downsize our house to prepare for a surprise baby?"
"My wife passed away last month, how do I invest now that I've lost her income?"
"I just left an abusive marriage, what should I do for housing?"
"Is my wife a princess or do I just need an attitude change?"
"Is it wrong to keep having kids while getting government assistance?"
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.
☮️ Lead a Financial Peace University class.
🧠 For help with investing, get connected with a SmartVestor Pro.
📈 Free Tools & Resources to Help You With Investing and Retirement
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!
Go to Casper Sleep and use promo code RAMSEY to learn more.
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
--------
2:16:44
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2:16:44
It’s Not Too Late to Get Control of Your Money
🤔 Think you’re good with money? Take our Money in America quiz!
Dave Ramsey and Ken Coleman answer your questions and discuss:
“I work for my parents and I sometimes don’t get paid. How do I talk to them about this?”
“My older brother is financially taking advantage of our parents. How do I approach my parents about this?”
“Is our land calculated into our net worth even if we have no plans on ever selling it?”
“Can I pause retirement investing to save for a house downpayment?”
“I’m 50 and just started investing. What are my options to save for retirement?”
“Can we financially afford for my wife to be a stay-at-home mom?”
“My wife and I are underwater on our cars, how do we get out of this?”
“How can we get out of debt because we’re underwater financially?”
“How do I pivot from being gazelle intense after paying off debt?”
“Should a pension crisis prompt me to leave my job?”
“How do my husband and I agree about using a lump sum of money that we’re about to receive?”
“Should we buy a house in cash or get a mortgage?”
Next Steps:
✔️ Help us make the show better. Please take this short survey.
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.
📱 Get episodes early in the free Ramsey Network app!
💵 Start your free budget today. Download the EveryDollar app!
☮️ Lead a Financial Peace University class.
🧠 For help with investing, get connected with a SmartVestor Pro.
🧮 Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!
👫 Check out our free Term Life Insurance Guide for helpful info and resources.
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!
Go to Casper Sleep and use promo code RAMSEY to learn more.
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
--------
2:17:52
--------
2:17:52
Small Steps Lead to Big Change
🤔 Think you’re good with money? Take our Money in America quiz!
George Kamel and Jade Warshaw answer your questions and discuss:
“Where should I keep my investments?”
“My co-worker is a level below me but is being paid more. How do I ask for fair pay?”
“Should I use my credit card to build my credit again?”
“Is paying for a van that I live in the same as paying a mortgage?”
“My husband is using our emergency fund as a bank...”
“Should I turn my HELOC into a mortgage?”
“How can I rent an apartment when I’m in bad shape financially?”
“I’m not qualified for the job I have. Should I quit and become a nanny?”
“Can you help us find an adoption loan that won’t drown us in debt?”
“Was it right for my wife to stay at home with our first child?”
“Is it wise for me to buy a house?”
“I’ve been paying off debt since February but I feel like I’ve hit a wall...”
“I’m 71 – everyone is telling me to not pay off my house. What should I do?”
“My wife has car fever and wants to go into 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!
📈 Are you on track with the Baby Steps? Get a free personalized plan.
💵 Start your free budget today. Download the EveryDollar app!
🧮 Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!
🎟️ Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville.
👫 Check out our free Term Life Insurance Guide for helpful info and resources.
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
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
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