📱Watch the full episode for free in the Ramsey Network app. Dave Ramsey & Dr. John Delony answer your questions and discuss: "My husband has been unemployed for 13 years," "Should I co-sign an apartment for a relative?" "Should I consider separate managed accounts?" "Should I put my husband on an allowance?" "Should I finance equipment for my business?" Support Our Sponsors: NetSuite: Free KPI checklist, visit netsuite.com/Ramsey Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. BetterHelp: betterhelp.com/Delony to get 10% off your first month   The Wellness Company: urgentcarekit.com/ramsey for 15% off medical emergency kit Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 💵 Start your free budget today. Download the EveryDollar app! ❤️ Get tickets to our NEW Money & Marriage Date Night virtual event  🏠 Find a Ramsey Trusted Real Estate Agent Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Watch the full episode for free in the Ramsey Network app. George Kamel & Dr. John Delony answer your questions and discuss: "We disagree on how much to be investing," "I have no investments outside of real estate," "My son's girlfriend has taken over his life," "Can I afford to retire early?" "How to approach husband's credit card debt? " One of the Nation’s Largest Auto Lenders Told Customers, “We’re Here to Help.” Then It Took Their Money and Their Cars Support Our Sponsors: BetterHelp: betterhelp.com/Delony to get 10% off your first month   The Wellness Company: urgentcarekit.com/ramsey for 15% off medical emergency kit FAIRWINDS Credit Union: Go to https://www.Fairwinds.org/ramsey for an exclusive account bundle. Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🚢 The Live Like No One Else Cruise is booking fast!  🏆 Set and actually reach your goals with the NEW 2025 Ramsey Goal Planner! Hurry—They sell out every year! ☂️ Get the right insurance without breaking the bank. 💵 Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Watch the full episode for free in the Ramsey Network app. Ken Coleman & Rachel Cruze answer your questions and discuss: "I was involved in a romance scam and lost $45K," "My car lease is $1500/month, what can I do?" The Ramsey Show responds to your voicemails, "I'm sick of my parents enabling my siblings," "I lost $14K on single stocks, should I sell the rest?" "I'm $406K in debt, what can I do?" Support Our Sponsors: Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. FAIRWINDS Credit Union: Go to https://www.fairwinds.org/ramsey for an exclusive account bundle. The Wellness Company: urgentcarekit.com/ramsey for 15% off medical emergency kit Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏆 Set and actually reach your goals with the NEW 2025 Ramsey Goal Planner! Hurry—They sell out every year! ☂️ Get the right insurance without breaking the bank. 🚢 The Live Like No One Else Cruise is booking fast!  💵 Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Watch the full episode for free in the Ramsey Network app. Rachel Cruze & Jade Warshaw answer your questions and discuss: "My employer told me I'm about to be laid off..." "Pick a Side: How should we buy a truck?" "How do I convince my dad to sell his Mercedes?" "Should I move states to leave a toxic work environment?" Budget Breakdown with Natalie, Tips to lower Insurance rates for home and auto homes/cars this year. Support Our Sponsors: NetSuite: Free KPI checklist, visit netsuite.com/Ramsey BetterHelp: betterhelp.com/Delony to get 10% off your first month  Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. Churchill Mortgage: Get started at ChurchillMortgage.com Next Steps 🏠 Find a Trusted Real Estate Agent 🏘️ Free Tools & Resources to Reach Your Home Goals 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ☂️ Get the right insurance without breaking the bank. 🚢 The Live Like No One Else Cruise is booking fast!  🏆 Set and actually reach your goals with the NEW 2025 Ramsey Goal Planner! Hurry—They sell out every year! 💵 Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Watch the full episode for free in the Ramsey Network app. Jade Warshaw & Ken Coleman answer your questions and discuss: "Should I sell my commercial building to pay off debt?" "My car is getting repossessed, what can I do?" "Balancing paying off a house and investing," "I was fired due to being a whistleblower," "Should a college degree be this grueling?" Support Our Sponsors: The Wellness Company: urgentcarekit.com/ramsey for 15% off medical emergency kit Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. NetSuite: Free KPI checklist, visit netsuite.com/Ramsey BetterHelp: betterhelp.com/Delony to get 10% off your first month   Next Steps 📈 Investment Calculator 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🚢 The Live Like No One Else Cruise is booking fast!  🏆 Set and actually reach your goals with the NEW 2025 Ramsey Goal Planner! Hurry—They sell out every year! ☂️ Get the right insurance without breaking the bank. 💵 Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Watch the full episode for free in the Ramsey Network app. Jade Warshaw & George Kamel answer your questions and discuss: "Pay off debt or pay for marriage counseling?" "Why are credit cards bad if I pay them off?" "We keep fighting about my husband's car," "Is my son obligated to give his dad money?" "Should we buy a house or continue to rent?" Support Our Sponsors: Christian Healthcare Ministries: Find out more at https://info.chministries.org/budget Churchill Mortgage: Get started at ChurchillMortgage.com BetterHelp: betterhelp.com/Delony to get 10% off your first month   FAIRWINDS Credit Union: Check out the exclusive account bundle designed for Ramsey fans at https://www.fairwinds.org/ramsey Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏆 Set and actually reach your goals with the NEW 2025 Ramsey Goal Planner! Hurry—They sell out every year! ☂️ Get the right insurance without breaking the bank. 🚢 The Live Like No One Else Cruise is booking fast!  💵 Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Watch the full episode for free in the Ramsey Network app. George Kamel & Dr. John Delony answer your questions and discuss: "I feel like I'm parenting my dad," "How do I handle being charged a $3K penalty?" "I'm in over my head with debt for solar panels," "I'm bitter because I can't afford a home..." Support Our Sponsors: NetSuite: Free KPI checklist, visit netsuite.com/Ramsey MamaBear Legal Forms: mamabearlegalforms.com and use promo code RAMSEY to save 20% Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. The Wellness Company: urgentcarekit.com/ramsey for 15% off medical emergency kit BetterHelp: betterhelp.com/Delony to get 10% off your first month   Next Steps 👨‍👩‍👧‍👦 What Can Child Support Be Used For? 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏆 Set and actually reach your goals with the NEW 2025 Ramsey Goal Planner! Hurry—They sell out every year! 🚢 The Live Like No One Else Cruise is booking fast!  💵 Start your free budget today. Download the EveryDollar app! 🛒 Shop the online store at Ramsey Solutions Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Watch the full episode for free in the Ramsey Network app. Rachel Cruze & Jade Warshaw answer your questions and discuss: "How do we get out of $123k of debt?" "Is it too late for me to start investing?" Why you shouldn't waltz carelessly into bankruptcy, "I feel like I'm completely broke all the time," Support Our Sponsors: FAIRWINDS Credit Union: Check out the exclusive account bundle designed for Ramsey fans Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. BetterHelp: betterhelp.com/Delony to get 10% off your first month   Christian Healthcare Ministries: Find out more at https://info.chministries.org/dave-ramsey Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🚢 The Live Like No One Else Cruise is booking fast!  💵 Start your free budget today. Download the EveryDollar app! 🏆 Set and actually reach your goals with the NEW 2025 Ramsey Goal Planner! Hurry—They sell out every year! 🛒 Shop the online store at Ramsey Solutions Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Watch the full episode for free in the Ramsey Network app. Jade Warshaw & Dr. John Delony answer your questions and discuss: "My husband and I disagree on our debt payoff," "Is now the right time to buy a house?" "Our 25-year-old college grad is living with us rent-free," "Should I lower my investing to pay off a rental?" "Should I accept a $20K gift from my parents?" Asking for a Friend: What is a Bankruptcy? Hot dogs, hot dogs, hot dogs. Support Our Sponsors: The Wellness Company: urgentcarekit.com/ramsey for 15% off medical emergency kit FAIRWINDS Credit Union: Check out the exclusive account bundle designed for Ramsey fans Churchill Mortgage: Get started at ChurchillMortgage.com Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. Next Steps 🏘️ Free Tools & Resources to Reach Your Home Goals 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 💵 Start your free budget today. Download the EveryDollar app! 🏆 Set and actually reach your goals with the NEW 2025 Ramsey Goal Planner! Hurry—They sell out every year! 🚢 The Live Like No One Else Cruise is booking fast!  🛒 Shop the online store at Ramsey Solutions Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Watch the full episode for free in the Ramsey Network app. Ken Coleman & George Kamel answer your questions and discuss: "I am over $500K in debt" You have to take ownership of your mistakes, "Should I buy a house with my boyfriend? Buying a car for a side hustle, Using money from investments to pay off parent plus loans Support Our Sponsors: Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. BetterHelp: betterhelp.com/Delony to get 10% off your first month   FAIRWINDS Credit Union: Check out the exclusive account bundle designed for Ramsey fans MamaBear Legal Forms: mamabearlegalforms.com and use promo code RAMSEY to save 20% Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏆 Set and actually reach your goals with the NEW 2025 Ramsey Goal Planner! Hurry—They sell out every year! 🚢 The Live Like No One Else Cruise is booking fast!  💵 Start your free budget today. Download the EveryDollar app! 🛒 Shop the online store at Ramsey Solutions Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Watch the full episode for free in the Ramsey Network app. While we're out for Labor Day, we've compiled some of our favorite Dave and Ken calls from the past couple of years. Enjoy your day and we'll be back with a live show tomorrow! Dave Ramsey & Ken Coleman answer your questions and discuss: ‘I'm facing bankruptcy and need help.’ ‘My business equipment is being held hostage’ ‘My friend may be fired if I take a promotion’ 'Should I accept a gift that would pay my debt?' ‘I was laid off yesterday and need to buy a car.’ ‘How can we start giving while paying off debt?’ Support Our Sponsors: BetterHelp: betterhelp.com/Delony to get 10% off your first month   Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. NetSuite: Free KPI checklist, visit netsuite.com/Ramsey Churchill Mortgage: Get started at ChurchillMortgage.com The Wellness Company: urgentcarekit.com/ramsey for 15% off medical emergency kit Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🚢 The Live Like No One Else Cruise is booking fast!  💵 Start your free budget today. Download the EveryDollar app! 🏆 Set and actually reach your goals with the NEW 2025 Ramsey Goal Planner! Hurry—They sell out every year! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Watch the full episode for free in the Ramsey Network app. George Kamel & Dr. John Delony answer your questions and discuss: What to do after a large inheritance changes your life, Working in an industry that promotes debt, "I'm tired of funding my adult kids' lives", "Making money doesn't change who you are", What to do when the financial aid doesn't come through Support Our Sponsors: Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today Churchill Mortgage: Get started at ChurchillMortgage.com Health Trust Financial: Discover Top Health Insurance Plans, All in One Place. BetterHelp: betterhelp.com/Delony to get 10% off your first month   Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🚢 The Live Like No One Else Cruise is booking fast!  🏆 Set and actually reach your goals with the NEW 2025 Ramsey Goal Planner! Hurry—They sell out every year! 💵 Start your free budget today. Download the EveryDollar app! 💸Enter The Ramsey Cash Giveaway for a chance to win $10,000! 📚 Shop the $12 Sale to get life-changing tools to help you make real progress!  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Watch the full episode for free in the Ramsey Network app. Rachel Cruze & Dr. John Delony answer your questions and discuss: "Am I responsible for paying for this hotel charge?" "I feel lost on how to pay off my debt," "Why am I jealous of other people's income?" "We lost $80k in a crypto scam," Dr. Arthur C. Brooks on 4 ways that money can help make you happy (and 1 way it will make you miserable). Support Our Sponsors: MamaBear Legal Forms: mamabearlegalforms.com and use promo code RAMSEY to save 20% The Wellness Company: urgentcarekit.com/ramsey for 15% off medical emergency kit Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today NetSuite: Free KPI checklist, visit netsuite.com/Ramsey  Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏆 Set and actually reach your goals with the NEW 2025 Ramsey Goal Planner! Hurry—They sell out every year! 💵 Start your free budget today. Download the EveryDollar app! 🚢 The Live Like No One Else Cruise is booking fast!  💸Enter The Ramsey Cash Giveaway for a chance to win $10,000! 📚 Shop the $12 Sale to get life-changing tools to help you make real progress!  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Watch the full episode for free in the Ramsey Network app. Rachel Cruze & Ken Coleman answer your questions and discuss: "How do I protect myself in a family trust?" "Should I go back to school to increase my income?" "Do I need to diversify my investments?" "I'm overwhelmed and don't know how to budget," Support Our Sponsors: Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today Christian Healthcare Ministries: Find out more at https://info.chministries.org/dave-ramsey Health Trust Financial: Discover Top Health Insurance Plans, All in One Place. BetterHelp: betterhelp.com/Delony to get 10% off your first month Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 💵 Start your free budget today. Download the EveryDollar app! 🚢 The Live Like No One Else Cruise is booking fast!  🏆 Set and actually reach your goals with the NEW 2025 Ramsey Goal Planner! Hurry—They sell out every year! 💸Enter The Ramsey Cash Giveaway for a chance to win $10,000! 📚 Shop the $12 Sale to get life-changing tools to help you make real progress!  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Watch the full episode for free in the Ramsey Network app. George Kamel & Ken Coleman answer your questions and discuss: "I hate my job but make good money," "My father wants to sign over his house to me," Is a tax on unrealized capital gains coming? "Should I go into debt in order to get a career?" "How much is too much in saving?" Support Our Sponsors: Churchill Mortgage: Get started at ChurchillMortgage.com NetSuite: Free KPI checklist, visit netsuite.com/Ramsey  BetterHelp: betterhelp.com/Delony to get 10% off your first month Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today The Wellness Company: urgentcarekit.com/ramsey for 15% off medical emergency kit Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🚢 The Live Like No One Else Cruise is booking fast!  🏆 Set and actually reach your goals with the NEW 2025 Ramsey Goal Planner! Hurry—They sell out every year! 💸Enter The Ramsey Cash Giveaway for a chance to win $10,000! 📚 Shop the $12 Sale to get life-changing tools to help you make real progress!  💵 Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Watch the full episode for free in the Ramsey Network app. Dr. John Delony & Jade Warshaw answer your questions and discuss: "I'm $870K in debt, should I sell my house?" "I'm upside down on a car with 13% interest," "How do I mend my wife's and mom's relationship?" "Can I afford a $223k car?" Support Our Sponsors: Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. BetterHelp: betterhelp.com/Delony to get 10% off your first month  The Wellness Company: urgentcarekit.com/ramsey for 15% off medical emergency kit MamaBear Legal Forms: mamabearlegalforms.com and use promo code RAMSEY to save 20% Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏆 Set and actually reach your goals with the NEW 2025 Ramsey Goal Planner! Hurry—They sell out every year! 💵 Start your free budget today. Download the EveryDollar app! 🏠 Find a Ramsey Trusted Real Estate Agent 💸Enter The Ramsey Cash Giveaway for a chance to win $10,000! 📚 Shop the $12 Sale to get life-changing tools to help you make real progress! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Watch the full episode for free in the Ramsey Network app. Ken Coleman & Jade Warshaw answer your questions and discuss: "How do I stop living paycheck-to-paycheck?" "How do I deal with financial fears?" "Should we sell our car to pay off debt?" "My dad was a victim of a romance scam" Support Our Sponsors: MamaBear Legal Forms: mamabearlegalforms.com and use promo code RAMSEY to save 20% The Wellness Company: urgentcarekit.com/ramsey for 15% off medical emergency kit BetterHelp: betterhelp.com/Delony to get 10% off your first month   Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. NetSuite: Free KPI checklist, visit netsuite.com/Ramsey Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏠 Find a Ramsey Trusted Real Estate Agent 📈 For help with investing, get connected with a SmartVestor Pro. 💵 Start your free budget today. Download the EveryDollar app! 💸Enter The Ramsey Cash Giveaway for a chance to win $10,000! 📚 Shop the $12 Sale to get life-changing tools to help you make real progress! (including the NEW 2025 Ramsey Goal Planner) Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Watch the full episode for free in the Ramsey Network app. Jade Warshaw & Dr. John Delony answer your questions and discuss: "I'm in an abusive relationship, how do I get out?" "My mother-in-law wants us to build an addition," "My wife never sticks to the budget we agree on," "Should I continue to stay in a 'silent divorce?'" Support Our Sponsors: Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. Churchill Mortgage: Get started at ChurchillMortgage.com Health Trust Financial: Discover Top Health Insurance Plans, All in One Place. BetterHelp: betterhelp.com/Delony to get 10% off your first month   Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 📈 For help with investing, get connected with a SmartVestor Pro. 💵 Start your free budget today. Download the EveryDollar app! 🏠 How to Buy a Home Course 💸Enter The Ramsey Cash Giveaway for a chance to win $10,000! 📚 Shop the $12 Sale to get life-changing tools to help you make real progress! (including the NEW 2025 Ramsey Goal Planner) Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Watch the full episode for free in the Ramsey Network app. Ken Coleman & Rachel Cruze answer your questions and discuss: How to make extra income with a felony on your record, When to make your side gig your full time job, What Kamala Harris' Price Control Plan really means for your family, "There is dignity in honest work" Support Our Sponsors: NetSuite: Free KPI checklist, visit netsuite.com/Ramsey  BetterHelp: betterhelp.com/Delony to get 10% off your first month   Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. The Wellness Company: urgentcarekit.com/ramsey for 15% off medical emergency kit Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 💵 Start your free budget today. Download the EveryDollar app! 🏠 Find a Ramsey Trusted Real Estate Agent 📈 For help with investing, get connected with a SmartVestor Pro. 💸Enter The Ramsey Cash Giveaway for a chance to win $10,000! 📚 Shop the $12 Sale to get life-changing tools to help you make real progress! (including the NEW 2025 Ramsey Goal Planner) Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Finish today's episode for free in the Ramsey Network app. George Kamel & Dr. John Delony answer your questions and discuss: "My wife's college is trying to over-charge us," "How do I buy an expensive house in California?" "How do I get my wife to spend less?" "I've spent almost $600K on gambling" Support Our Sponsors: Christian Healthcare Ministries: Find out more at https://info.chministries.org/dave-ramsey Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. MamaBear Legal Forms: mamabearlegalforms.com and use promo code RAMSEY to save 20% BetterHelp: betterhelp.com/Delony to get 10% off your first month   Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏘️ Free Tools & Resources to Reach Your Home Goals 🏠 How to Buy a Home Course 📈 For help with investing, get connected with a SmartVestor Pro. 💵 Start your free budget today. Download the EveryDollar app! 💸Enter The Ramsey Cash Giveaway for a chance to win $10,000! 📚 Shop the $12 Sale to get life-changing tools to help you make real progress! (including the NEW 2025 Ramsey Goal Planner) Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Finish today's episode for free in the Ramsey Network app. George Kamel & Jade Warshaw answer your questions and discuss: "What's the best way to pay for a degree?" "Should I pay off debt in collections first?" "I feel like I'm behind on retirement investments," "Can I spend more than 25% on my house?" "Our mother-in-law wants to be paid for childcare," Support Our Sponsors: The Wellness Company: urgentcarekit.com/ramsey for 15% off medical emergency kit Health Trust Financial: Discover Top Health Insurance Plans, All in One Place. Churchill Mortgage: Get started at ChurchillMortgage.com Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. Next Steps 🔒 How to Prevent Identity Theft 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 📈 For help with investing, get connected with a SmartVestor Pro. 💵 Start your free budget today. Download the EveryDollar app! 🏠 Find a Ramsey Trusted Real Estate Agent 💸Enter The Ramsey Cash Giveaway for a chance to win $10,000! 📚 Shop the $12 Sale to get life-changing tools to help you make real progress! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Finish today's episode for free in the Ramsey Network app. Jade Warshaw & George Kamel answer your questions and discuss: "I have $100K in debt and we're expecting a kid," "Should I finance a Rolex?" "How do I convince my wife to loosen the budget," Talk Nerdy to Me: What is Compound Interest? Budget Breakdown. Support Our Sponsors: Churchill: Get started at ChurchillMortgage.com Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. The Wellness Company: urgentcarekit.com/ramsey for 15% off medical emergency kit Health Trust Financial: Discover Top Health Insurance Plans, All in One Place. BetterHelp: betterhelp.com/Delony to get 10% off your first month   Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏠 Find a Ramsey Trusted Real Estate Agent 💸Enter The Ramsey Cash Giveaway for a chance to win $10,000! 📚 Shop the $12 Sale to get life-changing tools to help you make real progress! 💵 Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Finish today's episode for free in the Ramsey Network app. Dave Ramsey & Rachel Cruze answer your questions and discuss: "My husband put us in $4.5 million in debt and I just found out," "Our lender wasn't transparent about fees," Dave reacts his advice from a 1995 TV show interview, "How do we pay off $130K in student loans?" "Do our kids really have no obligation to help us?" Support Our Sponsors: BetterHelp: betterhelp.com/Delony to get 10% off your first month   The Wellness Company: urgentcarekit.com/ramsey for 15% off medical emergency kit Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. Christian Healthcare Ministries: Find out more at https://info.chministries.org/dave-ramsey Churchill: Get started at ChurchillMortgage.com Next Steps 🏠 Find a Trusted Real Estate Agent 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 💸Enter The Ramsey Cash Giveaway for a chance to win $10,000! 📚 Shop the $12 Sale to get life-changing tools to help you make real progress! 💵 Start your free budget today. Download the EveryDollar app! 🏠 How to Buy a Home Course Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Finish today's episode for free in the Ramsey Network app. Dave Ramsey & Ken Coleman answer your questions and discuss: "I'm married but have to beg for money..." "We sold our home to pay off debt, what's next?" "My friend may be fired if I take a promotion," "My mortgage is 40% of my income, should I sell my house?" "A tree company crane fell on our house but they still want us to pay them..." Support Our Sponsors: Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. MamaBear Legal Forms: mamabearlegalforms.com and use promo code RAMSEY to save 20% Health Trust Financial: Discover Top Health Insurance Plans, All in One Place. BetterHelp: betterhelp.com/Delony to get 10% off your first month   Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 💵 Start your free budget today. Download the EveryDollar app! 🏠 Find a Ramsey Trusted Real Estate Agent 💸Enter The Ramsey Cash Giveaway for a chance to win $10,000! 📚 Shop the $12 Sale to get life-changing tools to help you make real progress! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Finish today's episode for free in the Ramsey Network app. Dave Ramsey & George Kamel answer your questions and discuss: "My husband keeps refusing to combine finances; is he hiding an addiction?" "What's wrong with having a credit card?" "Should we sell our truck to get back on track?" "We make $100K/year and we still can't save," "My HOA just signed me up for $22k of debt!" Support Our Sponsors: The Wellness Company: urgentcarekit.com/ramsey for 15% off medical emergency kit NetSuite: Free KPI checklist, visit netsuite.com/Ramsey  BetterHelp: betterhelp.com/Delony to get 10% off your first month   Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏠 Find a Ramsey Trusted Real Estate Agent 💸Enter The Ramsey Cash Giveaway for a chance to win $10,000! 📚 Shop the $12 Sale to get life-changing tools to help you make real progress! 💵 Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Finish today's episode for free in the Ramsey Network app. Dave Ramsey & Dr. John Delony answer your questions and discuss: "We owe the IRS $600,000," "How do I surprise my wife if we combine bank accounts?" "I feel guilty for ever going in to debt," "Should I sell my truck to pay off debt and buy a ring?" Support Our Sponsors: Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. NetSuite: Free KPI checklist, visit netsuite.com/Ramsey  MamaBear Legal Forms: mamabearlegalforms.com and use promo code RAMSEY to save 20% Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 💸Enter The Ramsey Cash Giveaway for a chance to win $10,000! 📚 Shop the $12 Sale to get life-changing tools to help you make real progress! 💵 Start your free budget today. Download the EveryDollar app! 🏠 How to Buy a Home Course Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Finish today's episode for free in the Ramsey Network app. Ken Coleman & George Kamel answer your questions and discuss: "How do we 'recession-proof' our jobs?" "Should all politicians have term limits?" Why Should I Care?: the Fed's effect on interest rates "Should I wait to buy a house post-election?" Investing during the election cycle, "Do local elections matter more than federal?" Support Our Sponsors: Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. The Wellness Company: urgentcarekit.com/ramsey for 15% off medical emergency kit MamaBear Legal Forms: mamabearlegalforms.com and use promo code RAMSEY to save 20% Churchill Mortgage: Get started at ChurchillMortgage.com BetterHelp: betterhelp.com/Delony to get 10% off your first month   Next Steps 🏘️ Free Tools & Resources to Reach Your Home Goals 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ❤️ Get $100 off tickets to Money & Marriage Getaway. 💸Enter The Ramsey Cash Giveaway for a chance to win $10,000! 📚 Shop the $12 Sale to get life-changing tools to help you make real progress!  📄 Will an online will work for you? 💵 Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Finish today's episode for free in the Ramsey Network app. Dave Ramsey & George Kamel answer your questions and discuss: "How do my parents transfer land over to me?" "Is it wise to go into debt for a graduate degree?" "AI told me this would be a good idea..." "Take out a HELOC to pay off my ex-wife?" Support Our Sponsors: Health Trust Financial: Discover Top Health Insurance Plans, All in One Place. Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. BetterHelp: betterhelp.com/Delony to get 10% off your first month   NetSuite: Free KPI checklist, visit netsuite.com/Ramsey  Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 💸Enter The Ramsey Cash Giveaway for a chance to win $10,000! 📚 Shop the $12 Sale to get life-changing tools to help you make real progress! 📄 Will an online will work for you? ❤️ Get $100 off tickets to Money & Marriage Getaway. 💵 Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Finish today's episode for free in the Ramsey Network app. Dave Ramsey & Jade Warshaw answer your questions and discuss: "Paying off debt is slowing my business," "Should I sell my mom's house and kick my brother out?" "I have nothing in retirement, what can I do?" "We've lost a ton of money with no end in sight," "Should I let my kids' cars get repossessed?" Support Our Sponsors: Christian Healthcare Ministries: Find out more at https://info.chministries.org/dave-ramsey Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. The Wellness Company: urgentcarekit.com/ramsey for 15% off medical emergency kit Health Trust Financial: Discover Top Health Insurance Plans, All in One Place. Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 📄 Will an online will work for you? ❤️ Get $100 off tickets to Money & Marriage Getaway. 💸Enter The Ramsey Cash Giveaway for a chance to win $10,000! 📚 Shop the $12 Sale to get life-changing tools to help you make real progress! 💵 Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Finish today's episode for free in the Ramsey Network app. Dave Ramsey & Ken Coleman answer your questions and discuss: "Should I sell my house to pay off debt?" "Should I pursue a master's degree?" "How can I reduce what I pay in taxes?" People are telling us not to pay cash for a house..." Support Our Sponsors: Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. Churchill Mortgage: Get started at ChurchillMortgage.com Health Trust Financial: Discover Top Health Insurance Plans, All in One Place. BetterHelp: https://www.betterhelp.com/Delony to get 10% off your first month MamaBear Legal Forms: mamabearlegalforms.com and use promo code RAMSEY to save 20% Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 💸Enter The Ramsey Cash Giveaway for a chance to win $10,000! 📚 Shop the $12 Sale to get life-changing tools to help you make real progress! ❤️ Get $100 off tickets to Money & Marriage Getaway. 📄 Will an online will work for you? 💵 Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Finish today's episode for free in the Ramsey Network app. Dave Ramsey & Jade Warshaw answer your questions and discuss: The stock market fear is mostly emotional (so far), "My mom took out credit cards in my name," "Pause the Baby Steps to save for medical bills?" "My friend isn't paying me after a real estate deal" Support Our Sponsors: NetSuite: Free KPI checklist, visit netsuite.com/Ramsey BetterHelp: https://www.betterhelp.com/Delony to get 10% off your first month The Wellness Company: urgentcarekit.com/ramsey for 15% off medical emergency kit Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 💸Enter The Ramsey Cash Giveaway for a chance to win $10,000! 📚 Shop the $12 Sale to get life-changing tools to help you make real progress! 💼 Get your business road map ❤️Get $100 off tickets to Money & Marriage Getaway. 💵 Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Finish today's episode for free in the Ramsey Network app. Rachel Cruze & Jade Warshaw answer your questions and discuss: "Should we pay off our house before having a kid?" Dealing with financial infidelity post-prenup, "Should I rent or buy?" "We're $125K in debt and we're drowning," Jade & Rachel break down a listener's budget in EveryDollar, Asking for a "Friend": What is the difference between Gross and Net? Support Our Sponsors: NetSuite: Free KPI checklist, visit netsuite.com/Ramsey  BetterHelp: https://www.betterhelp.com/Delony to get 10% off your first month Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. Health Trust Financial: Discover Top Health Insurance Plans, All in One Place. Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 💸Enter The Ramsey Cash Giveaway for a chance to win $10,000! 📚 Shop the $12 Sale to get life-changing tools to help you make real progress! 📄Will an online will work for you? 🚢 The Live Like No One Else Cruise is booking fast! 💼 Become a better small business leader 💵 Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Download your Ramsey Network App today! Dave Ramsey & Rachel Cruze answer your questions and discuss: "I'm on the verge of losing everything," Balancing family time and working more, "My job is paying the bills and funding my husband's trading," "I inherited $1.5M, should I sign a prenup?" "Do we have a budget or an income problem?" "Can I pay my 30-year mortgage like a 15-year?" Support Our Sponsors: Churchill Mortgage: Get started at ChurchillMortgage.com MamaBear Legal Forms: mamabearlegalforms.com and use promo code RAMSEY to save 20% Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. Christian Healthcare Ministries: Find out more at CHMinistries.org/budget The Wellness Company: urgentcarekit.com/ramsey for 15% off medical emergency kit Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 💸Enter The Ramsey Cash Giveaway for a chance to win $10,000! 📚Shop the $12 Sale to get life-changing tools to help you make real progress! 📈 Spend less time running your business and more time growing it. 💼Join the Crusade! Apply Now! 🚢 The Live Like No One Else Cruise is booking fast! 💵 Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Download your Ramsey Network App today! Dave Ramsey & Ken Coleman answer your questions and discuss: "How do I help my parents out of a financial mess?" "What's the best way to combine finances?" "How do I recover after a gambling addiction?" "Are there pros to raising the minimum wage?" Baby Steps Millionaires Theme Hour. Support Our Sponsors: BetterHelp: https://www.betterhelp.com/Delony to get 10% off your first month The Wellness Company: urgentcarekit.com/ramsey for 15% off medical emergency kit Health Trust Financial: Discover Top Health Insurance Plans, All in One Place. Yrefy: Call 844-2-RAMSEY or go to Yrefy.com/Ramsey Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ☎️ Share your thoughts on The Ramsey Show & more! 🚢 The Live Like No One Else Cruise is booking fast! 💼Join the Crusade! Apply Now! 💵 Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Download your Ramsey Network App today! Dave Ramsey & George Kamel answer your questions and discuss: "Use a reverse mortgage for some fun money?" "My boyfriend wants me to move in with him," "How do I protect myself before a divorce?" "We own 2 homes in California and we're broke," "I feel guilty for saying no to eating out," Support Our Sponsors: The Wellness Company: urgentcarekit.com/ramsey for 15% off medical emergency kit Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. NetSuite: Free KPI checklist, visit netsuite.com/Ramsey  BetterHelp: https://www.betterhelp.com/Delony to get 10% off your first month Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ☎️ Share your thoughts on The Ramsey Show & more! 💵 Start your free budget today. Download the EveryDollar app! 🚢 The Live Like No One Else Cruise is booking fast! 📄 Will an online will work for you? Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Download your Ramsey Network App today! Dave Ramsey & Dr. John Delony answer your questions and discuss: "My sister wants me to pay for her car that was repossessed, " "Are international investments necessary?" "How much should I spend on an engagement ring?" Is the US in a recession? "How should we split up our house in the will?" "Should we move to an area we can afford?" Support Our Sponsors: BetterHelp: https://www.betterhelp.com/Delony to get 10% off your first month Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today.  MamaBear Legal Forms: mamabearlegalforms.com and use promo code RAMSEY to save 20% Churchill Mortgage: Get started at ChurchillMortgage.com Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ☎️ Share your thoughts on The Ramsey Show & more! 📄 Will an online will work for you? 💵 Start your free budget today. Download the EveryDollar app! 🚢 The Live Like No One Else Cruise is booking fast!  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Download your Ramsey Network App today! Jade Warshaw & Ken Coleman answer your questions and discuss: "Should we go into debt to move to another state?" "My business is drowning in debt..." The absurdity of car loans, "Do I need life insurance?" "Keep paying off debt after getting laid off?" Support Our Sponsors: BetterHelp: https://www.betterhelp.com/Delony to get 10% off your first month MamaBear Legal Forms: mamabearlegalforms.com and use promo code RAMSEY to save 20% Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today.  Health Trust Financial: Discover Top Health Insurance Plans, All in One Place. Yrefy: Call 844-2-RAMSEY or go to Yrefy.com/Ramsey Next Steps 🏠 Mortgage Calculator 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ☎️ Share your thoughts on The Ramsey Show & more! 🚢 The Live Like No One Else Cruise is booking fast!  📈For help with investing, get connected with a SmartVestor Pro.  💵 Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Download your Ramsey Network App today! Dr. John Delony & Jade Warshaw answer your questions and discuss: "Is it worth it to move for better schools?" "How do I get over resenting my husband?" "Can we upgrade our house?" "My in-laws want to give my daughter $10k for a car," "I'm behind on my mortgage, am I bankrupt?" "Despite my success, I feel lonely and depressed" Support Our Sponsors: The Wellness Company: urgentcarekit.com/ramsey for 15% off medical emergency kit Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today.  BetterHelp: https://www.betterhelp.com/Delony to get 10% off your first month Churchill Mortgage: Get started at ChurchillMortgage.com Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 📈For help with investing, get connected with a SmartVestor Pro.  💵 Start your free budget today. Download the EveryDollar app! 🚢 The Live Like No One Else Cruise is booking fast!  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Download your Ramsey Network App today! George Kamel & Ken Coleman answer your questions and discuss: "How do I help my aunt recover from a scam?" "What's the real difference between a debit card and credit card?" "How do I get my wife to quit using credit cards?" 5 ways the national debt affects every American, Why you shouldn’t follow "Investing Bros'" advice. Support Our Sponsors: MamaBear Legal Forms: mamabearlegalforms.com and use promo code RAMSEY to save 20% Churchill Mortgage: Get started at ChurchillMortgage.com NetSuite: Free KPI checklist, visit netsuite.com/Ramsey  Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today.  BetterHelp: https://www.betterhelp.com/Delony to get 10% off your first month Next Steps 🏘️ Free Tools & Resources to Reach Your Home Goals 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ☎️ Share your thoughts on The Ramsey Show & more! 💵 Start your free budget today. Download the EveryDollar app! 🚢 The Live Like No One Else Cruise is booking fast!  📈For help with investing, get connected with a SmartVestor Pro.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Download your Ramsey Network App today! George Kamel & Dr. John Delony answer your questions and discuss: "How do I handle money with bipolar disorder?" "How do I buy a property with my adult kids?" What is a High-Yield Savings Account? "My husband left me and stuck me with all the bills," "I'm $650K in debt, should I file bankruptcy?" "We make $300K a year and we're struggling" Support Our Sponsors: Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today.  BetterHelp: https://www.betterhelp.com/Delony to get 10% off your first month   Timothy Partners: https://www.timothyplan.com The Wellness Company: urgentcarekit.com/ramsey for 15% off medical emergency kit Health Trust Financial: Discover Top Health Insurance Plans, All in One Place. Next Steps 💵 Learn more about high-yield savings accounts 🏘️ Free Tools & Resources to Reach Your Home Goals 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ☎️ Share your thoughts on The Ramsey Show & more! 🚢 The Live Like No One Else Cruise is booking fast!  📈For help with investing, get connected with a SmartVestor Pro.  💵 Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Download your Ramsey Network App today! Ken Coleman & Jade Warshaw answer your questions and discuss: "Should I sell my house to get out of an abusive situation?" "We just lost our house to a fire," "Do I still have time to save for retirement?" "What is a reverse mortgage?" "Should I wait to pay cash for a house?" Support Our Sponsors: Christian Healthcare Ministries: Find out more at CHMinistries.org/budget Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today.  The Wellness Company: urgentcarekit.com/ramsey for 15% off medical emergency kit BetterHelp: https://www.betterhelp.com/Delony to get 10% off your first month   NetSuite: Free KPI checklist, visit netsuite.com/Ramsey  Next Steps 🏘️ Free Tools and Resources To Reach Your Home Goals 🏠 Find a Ramsey Trusted Real Estate Agent 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ☎️ Share your thoughts on The Ramsey Show & more! 📈 For help with investing, get connected with a SmartVestor Pro.  💵 Start your free budget today. Download the EveryDollar app! 🚢 The Live Like No One Else Cruise is booking fast!  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Download your Ramsey Network App today! Dr. John Delony & George Kamel answer your questions and discuss: The importance of being on the same page as your spouse “Stay at a job I don’t like just for debt forgiveness?” “I’m afraid my father-in-law is being taken advantage of” “How do I set my new family up without debt?” Choosing reality about your financial situation, What to do when a good deal may be too good to be true Support Our Sponsors: Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. The Wellness Company: urgentcarekit.com/ramsey for 15% off medical emergency kit Churchill Mortgage: Get started at ChurchillMortgage.com Health Trust Financial: Discover Top Health Insurance Plans, All in One Place. BetterHelp: betterhelp.com/Delony to get 10% off your first month   Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ☎️ Share your thoughts on The Ramsey Show & more! 📚 Teach Kids About Money!  🏠 How to Buy a Home Course 💵 Start your free budget today. Download the EveryDollar app! ❌ Divorce Checklist: How to Prepare For Divorce Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Download your Ramsey Network App today! Dave Ramsey & Ken Coleman answer your questions and discuss: The importance of being open and honest with your spouse, When to stay put and when to find another job, Don’t use your kids as a piggy bank, The real costs of starting a business “You don’t own a house with people you aren’t married to” Starting over after the death of a spouse “How do I make myself more valuable at work?” Support Our Sponsors: Churchill Mortgage: Get started at ChurchillMortgage.com BetterHelp: betterhelp.com/Delony to get 10% off your first month Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. MamaBear Legal Forms: mamabearlegalforms.com and use promo code RAMSEY to save 20% NetSuite: Free KPI checklist, visit netsuite.com/Ramsey  Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ☎️ Share your thoughts on The Ramsey Show & more! 🏠 Find a Ramsey Trusted Real Estate Agent 💵 Start your free budget today. Download the EveryDollar app! 📚Teach Kids About Money! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Download your Ramsey Network App today! Dave Ramsey & George Kamel answer your questions and discuss: Why you don't have to be debt free to get married, The best way to set your kids up for success, The importance of getting your financial stats straight, Why you don't give someone you are not married to access to your money, Being so scared that you finally make a change, Why you should never loan money to family and friends Support Our Sponsors: BetterHelp: betterhelp.com/Delony to get 10% off your first month Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. Health Trust Financial: Discover Top Health Insurance Plans, All in One Place. The Wellness Company: urgentcarekit.com/ramsey for 15% off medical emergency kit Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ☎️ Share your thoughts on The Ramsey Show & more! 💵 Start your free budget today. Download the EveryDollar app! 📚Teach Kids About Money! 🏠 How to Buy a Home Course Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Download your Ramsey Network App today! Dave Ramsey & Jade Warshaw answer your questions and discuss: "I can't forgive myself for past financial mistakes," "Can I use my inheritance to purchase a truck?" "Should I do the Baby Steps out of order?" The facts about extended warranties, "We have $150K in credit card debt," "Should I consider a short sale of my house?" Support Our Sponsors: The Wellness Company: urgentcarekit.com/ramsey for 15% off medical emergency kit Christian Healthcare Ministries: Find out more at CHMinistries.org/budget Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. BetterHelp: betterhelp.com/Delony to get 10% off your first month Health Trust Financial: Discover Top Health Insurance Plans, All in One Place. Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ☎️ Share your thoughts on The Ramsey Show & more! 📚 Teach Kids About Money!  🏠 Find a Ramsey Trusted Real Estate Agent 💵 Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Download your Ramsey Network App today! Dave Ramsey & Rachel Cruze answer your questions and discuss: Dave reacts to the Donald Trump assassination attempt, "I'm upside-down on my house," "What should I do with stocks I was gifted?" "I'm having a hard time spending money on our wedding even though I can afford it," This type of life insurance sucks, "How much should I be saving for a house?" Support Our Sponsors: NetSuite: Free KPI checklist, visit netsuite.com/Ramsey  BetterHelp: betterhelp.com/Delony to get 10% off your first month   MamaBear Legal Forms: mamabearlegalforms.com and use promo code RAMSEY to save 20% Yrefy: Call 844-2-RAMSEY or go to Yrefy.com/Ramsey Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today.  Next Steps 🏘️ Free Tools & Resources to Reach Your Home Goals 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ☎️ Share your thoughts on The Ramsey Show & more! 🏠 Find a Ramsey Trusted Real Estate Agent 💵 Start your free budget today. Download the EveryDollar app! 📚 Teach Kids About Money!  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Download your Ramsey Network App today! George Kamel & Ken Coleman answer your questions and discuss: "I have a master's degree but can't get a job..." "Should I reduce my 401(k) to start an IRA?" "Sell my rental at a loss to pay off debt?" How Costco food prices are ignoring inflation, What does "Equity" actually mean? "How do I know which debt to pay off first?" Support Our Sponsors: MamaBear Legal Forms: mamabearlegalforms.com and use promo code RAMSEY to save 20% BetterHelp: betterhelp.com/Delony to get 10% off your first month Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. Health Trust Financial: Discover Top Health Insurance Plans, All in One Place. Yrefy: Call 844-2-RAMSEY or go to Yrefy.com/Ramsey Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ☎️ Share your thoughts on The Ramsey Show & more! 🚢 The Live Like No One Else Cruise is booking fast! 🏠 Find a Ramsey Trusted Real Estate Agent ☂️ Protect yourself with the right coverage—take our coverage quiz! 💵 Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Download your Ramsey Network App today! Dave Ramsey & Jade Warshaw answer your questions and discuss: "Should we borrow money from my parents to buy a house?" "How should I use a $500k inheritance?" "We are buried in $240k in debt," "What does it actually mean to be broke?" "How much should I help my son's girlfriend?" Support Our Sponsors: Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. Health Trust Financial: Discover Top Health Insurance Plans, All in One Place. NetSuite: Free KPI checklist, visit netsuite.com/Ramsey  Christian Healthcare Ministries: Find out more at CHMinistries.org/budget Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ☎️ Share your thoughts on The Ramsey Show & more! 🏠 How to Buy a Home Course ☂️ Protect yourself with the right coverage—take our coverage quiz! 🚢 The Live Like No One Else Cruise is booking fast! 💵 Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Download your Ramsey Network App for free today!   Dave Ramsey & George Kamel answer your questions and discuss: "We're $500k in debt; can we afford new-to-us cars?" "My in-laws are trying to leave us a timeshare..." "How do I invest and set myself up for the future?" "How should we buy a house from family?" "Should I pass on a generous 401(k) match?" Support Our Sponsors: Churchill Mortgage: Get started at ChurchillMortgage.com The Wellness Company: urgentcarekit.com/ramsey for 15% off medical emergency kit BetterHelp: betterhelp.com/Delony to get 10% off your first month Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ☎️ Share your thoughts on The Ramsey Show & more! ☂️ Protect yourself with the right coverage—take our coverage quiz! 🚢 The Live Like No One Else Cruise is booking fast!  🏠Find a Ramsey Trusted Real Estate Agent 💵 Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Download your Ramsey Network App for free today!   Dave Ramsey & Ken Coleman answer your questions and discuss: "I have a decent job but can't afford my lifestyle," "How do I get out of the financial mess I'm in?" "Should I be worried about a lawsuit?" "We are drowning and my wife can't work," "What's the best way to save for a vehicle?" Support Our Sponsors: BetterHelp: betterhelp.com/Delony to get 10% off your first month Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. Health Trust Financial: Discover Top Health Insurance Plans, All in One Place. The Wellness Company: urgentcarekit.com/ramsey for 15% off medical emergency kit NetSuite: Free KPI checklist, visit netsuite.com/Ramsey  Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ☎️ Share your thoughts on The Ramsey Show & more! 🚢 The Live Like No One Else Cruise is booking fast!  🏠 How to Buy a Home Course 💵 Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Download your Ramsey Network App for free today!   Dave Ramsey & Jade Warshaw answer your questions and discuss: "How do I convince my wife that we should buy a house?" The Debt Snowball vs. The Debt Avalanche, "My wife doesn't think her student loans are 'ours'," "I think my husband's family is ripping him off," "My grandmother offered to loan me $140K," "Should I keep putting money into my old car?" Support Our Sponsors: Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. MamaBear: mamabearlegalforms.com and use promo code RAMSEY to save 20% The Wellness Company: urgentcarekit.com/ramsey for 15% off medical emergency kit BetterHelp: betterhelp.com/Delony to get 10% off your first month Churchill Mortgage: Get started at ChurchillMortgage.com Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ☎️ Share your thoughts on The Ramsey Show & more! 🏠 Find a Ramsey Trusted Real Estate Agent 💵 Start your free budget today. Download the EveryDollar app! 🚢 The Live Like No One Else Cruise is booking fast!  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Download your Ramsey Network App for free today!   While we're out for the 4th of July, we've compiled some of our favorite Dave and George calls from the past year. Enjoy the long weekend and we'll be back with a live show soon! Dave Ramsey & George Kamel answer your questions and discuss: ‘I have a baby on the way and no money’ ‘How can I stop living paycheck to paycheck?’ ‘Husband's crazy ex is trying to steal our money’ Dave telling story about a caller who wanted to do a side-hustle full-time. ‘Husband and I disagree on budgeting’ ‘I have a 13-year-old payday loan’ Support Our Sponsors: BetterHelp: betterhelp.com/Delony to get 10% off your first month   Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. The Wellness Company: urgentcarekit.com/ramsey for 15% off medical emergency kit Health Trust Financial: Discover Top Health Insurance Plans, All in One Place. Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ☎️ Share your thoughts on The Ramsey Show & more! 📚 Your summer reading list is here. Don’t miss these (cool) summer reads! Beat the heat with bestselling books that will make 2024 your best summer yet.  🏠 Find a Ramsey Trusted Real Estate Agent 💵 Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Download your Ramsey Network App for free today! While we're out for the 4th of July, we've compiled some of our favorite Dave and Jade calls from the past year. Enjoy the long weekend and we'll be back with a live show soon! Dave Ramsey & Jade Warshaw answer your questions and discuss: ‘Husband is spent $14K on phone games’ ‘Take out a loan to get by for the next two years?’ ‘I'm in a lawsuit with cofounders of my company’ ‘How can the FDIC insure everyone?’ ‘I want a divorce but cannot afford it.’ ‘Take out small loans to boost my credit score?’ Support Our Sponsors: NetSuite: Free KPI checklist, visit netsuite.com/Ramsey  Churchill: Get started at ChurchillMortgage.com Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. BetterHelp: betterhelp.com/Delony to get 10% off your first month Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ☎️ Share your thoughts on The Ramsey Show & more! 💵 Start your free budget today. Download the EveryDollar app! 📚 Your summer reading list is here. Don’t miss these (cool) summer reads! Beat the heat with bestselling books that will make 2024 your best summer yet.  🏠 How to Buy a Home Course Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Download your Ramsey Network App for free today!   Dave Ramsey & Dr. John Delony answer your questions and discuss: "Should I feel this anxiety about buying a second home?" "My abusive dad is in control of my money," "My car died; should I take out a loan to replace it?" "My mom is taking advantage of my financially," "My girlfriend doesn't want to do premarital counseling" Support Our Sponsors: Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. BetterHelp: betterhelp.com/Delony to get 10% off your first month NetSuite: Free KPI checklist, visit netsuite.com/Ramsey  Churchill Mortgage: Get started at ChurchillMortgage.com Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ☎️ Share your thoughts on The Ramsey Show & more! 🏠 Find a Ramsey Trusted Real Estate Agent 💵 Start your free budget today. Download the EveryDollar app! 📚Teach Kids About Money!  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Download your Ramsey Network App for free today!   Dave Ramsey & Dr. John Delony answer your questions and discuss: "How can I protect myself from my father-in-law?" "My car and insurance payment is $900/month," "Should I fire my financial advisor?" "Should I buy an investment property with my uncle?" "Our neighbors are ruining our backyard," "I don't want to keep sending money to my son..." Support Our Sponsors: The Wellness Company: urgentcarekit.com/ramsey for 15% off medical emergency kit Yrefy: Call 844-2-RAMSEY or go to Yrefy.com/Ramsey Health Trust Financial: Discover Top Health Insurance Plans, All in One Place. Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today.  Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ☎️ Share your thoughts on The Ramsey Show & more! 📚 Teach Kids About Money!  🏠 Find a Ramsey Trusted Real Estate Agent 💵 Start your free budget today. Download the EveryDollar app! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

📱Download your Ramsey Network App for free today!   Dave Ramsey & Dr. John Delony answer your questions and discuss: "Can my mother-in-law take away a trust?" "Should I take a year off from work to get a degree?" "Can we be gazelle intense about paying off our home?" "How can I develop a spirit of contentment?" "Should I talk my husband out of buying a car?" "How do I ask my dad to pay what he owes me?" Support Our Sponsors: Christian Healthcare Ministries: Find out more at CHMinistries.org/budget Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today.  BetterHelp: betterhelp.com/Delony to get 10% off your first month   The Wellness Company: urgentcarekit.com/ramsey for 15% off medical emergency kit Health Trust Financial: Health Trust Financial: Discover Top Health Insurance Plans, All in One Place. Next Steps 🏠 Find a Trusted Real Estate Agent 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ☎️ Share your thoughts on The Ramsey Show & more! 💵 Start your free budget today. Download the EveryDollar app! 📚 Teach Kids About Money!  🏠 Find a Ramsey Trusted Real Estate Agent Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Start your free budget today. Download the EveryDollar app! Jade Warshaw & Dr. John Delony answer your questions and discuss: "My credit card debit is ruining my family," Jade & John's takeaways from the presidential debate, "How do I teach my kids healthy money habits?" "Should I cash out my whole-life policy?" "I feel stuck and don't know how to invest," "How do I get my wife on board to pay off debt?" Support Our Sponsors: Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today. Yrefy: Call 844-2-RAMSEY or go to Yrefy.com/Ramsey Christian Healthcare Ministries: Find out more at CHMinistries.org/budget Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 💼 For business and leadership insight, listen to The EntreLeadership Podcast. 📈 For help with investing, get connected with a SmartVestor Pro.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Start your free budget today. Download the EveryDollar app! Dave Ramsey & Rachel Cruze answer your questions and discuss: "How do I move forward after getting fired?" "When is the right time to buy a house?" "I make $100K and live paycheck-to-paycheck," Who is responsible for paying Parent PLUS loans: students or parents? Dave responds to Rachel and Ken's advice about selling Taylor Swift tickets (his answer may surprise you) Support Our Sponsors: Health Trust Financial: Discover Top Health Insurance Plans, All in One Place. BetterHelp: betterhelp.com/Delony to get 10% off your first month   Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today.  NetSuite: Free KPI checklist, visit netsuite.com/Ramsey  Next Steps 🏠 Free Tools & Resources to Reach Your Home Goals 🏘️ Find a Trusted Real Estate Agent 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 💼 To start using the EntreLeadership System to grow your small business, download our FREE Getting Started Guide today. 📈 For help with investing, get connected with a SmartVestor Pro.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Start your free budget today. Download the EveryDollar app! Dave Ramsey & Ken Coleman answer your questions and discuss: "How do I get my husband to talk about money?" "I have nothing in retirement, what do I do?" "How do I get my mother-in-law to move out?" "What's the right way to ask for a pay raise?" "How do I find a healthy work/life balance?" Dave & Ken interview millionaires to find out how they built their wealth Support Our Sponsors: Churchill Mortgage: Get started at ChurchillMortgage.com Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today.  BetterHelp: betterhelp.com/Delony to get 10% off your first month   Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 📈 For help with investing, get connected with a SmartVestor Pro.  ☂️ Get the right insurance without breaking the bank. Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Start your free budget today. Download the EveryDollar app! Dave Ramsey & George Kamel answer your questions and discuss: "How do I stop my mom from taking my grandma's money?" Why no one accidentally wanders into success, "I'm jealous of my friends who don't have student loans," Dave weighs in on a previous call that George & Jade took, "Is the American Dream still possible?" Support Our Sponsors: Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today.  NetSuite: Free KPI checklist, visit netsuite.com/Ramsey BetterHelp: betterhelp.com/Delony to get 10% off your first month Health Trust Financial: Discover Top Health Insurance Plans, All in One Place. Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ☂️ Get the right insurance without breaking the bank. 📈 For help with investing, get connected with a SmartVestor Pro.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Start your free budget today. Download the EveryDollar app! Dave Ramsey & Dr. John Delony answer your questions and discuss: "I'm trapped in a bad lease," When you should and shouldn't use your 401(k), Why you need to choose your friend carefully, "How can I force the sale of an inherited house?" "How do I stay motivated to pay off debt?" "Does the Bible allow for earning interest?" Support Our Sponsors: BetterHelp: https://www.betterhelp.com/Delony to get 10% off your first month   Health Trust Financial: Discover Top Health Insurance Plans, All in One Place. Churchill Mortgage: Get started at ChurchillMortgage.com Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today.  Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ☂️ Get the right insurance without breaking the bank. 📈 For help with investing, get connected with a SmartVestor Pro.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Start your free budget today. Download the EveryDollar app! Jade Warshaw & George Kamel answer your questions and discuss: "I was scammed after taking out a HELOC and lost $150k," This common mistake could cost you millions of dollars, "How can I fix my past mistakes in my marriage?" "My employer is underpaying me," "Can I use a personal loan to pay off a credit card?" "An ex-employee is still driving my company car" Support Our Sponsors: Churchill Mortgage: Get started at ChurchillMortgage.com Zander Insurance: Go to zander.com or call 800-356-4282 for a fast and easy quote today.  Health Trust Financial BetterHelp: https://www.betterhelp.com/Delony to get 10% off your first month Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 📈 For help with investing, get connected with a SmartVestor Pro.  🚢 The Live Like No One Else Cruise is booking fast!  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Start your free budget today. Download the EveryDollar app! Dave Ramsey & Ken Coleman answer your questions and discuss: "Is it ever okay to spend $50k on a trip?" "My dad wants me to pay for his life insurance..." "Should we buy a house if we're going to move in 4 years?" "We disagree about paying off our cars," "We make $400K but can't pay extra on debt," "I co-own a house with my girlfriend's parents..." "My employer wants me to stop my side hustle" Support Our Sponsors: Zander: Go to zander.com or call 800-356-4282 for a fast and easy quote today. Health Trust Financial BetterHelp: betterhelp.com/Delony to get 10% off your first month Next Steps 🏠 Selling Your House? Check out one of our Ramsey Trusted Real Estate Agents 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🎟️ Reserve your seat for Summit 2025 today! 🚢 The Live Like No One Else Cruise is booking fast!  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Start your free budget today. Download the EveryDollar app! Dave Ramsey & Rachel Cruze answer your questions and discuss: "I did a bad deal with my parents and now I'm not getting paid," "Is it possible to build wealth while renting?" Why you don't need to build your credit score if you don't plan on borrowing money, "I'm tired of paying so much in taxes..." "My husband gambled away our HELOC," "My wife is a compulsive shopper" "What can I do to stop overdrafting my account?" Support Our Sponsors: BetterHelp NetSuite Zander Insurance Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🚢 The Live Like No One Else Cruise is booking fast!  📚 Teach Kids About Money!  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Start your free budget today. Download the EveryDollar app! Dave Ramsey & Dr. John Delony answer your questions and discuss: "How can I operate my business without debt?" "Can we move to get out of my wife's toxic job situation?" The best way to "lower" credit card debt, Insurance vs. investments, "Everyone seems to be winning except me," Dave's message to congress Support Our Sponsors: NetSuite Zander Insurance Christian Healthcare Ministries Churchill Mortgage Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 📖 Your summer reading list is here. Don’t miss these (cool) summer reads! Beat the heat with bestselling books that will make 2024 your best summer yet.  🚢 The Live Like No One Else Cruise is booking fast!  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Start your free budget today. Download the EveryDollar app! Dave Ramsey & George Kamel answer your questions and discuss: "Should we combine finances in our unique situation?" "My girlfriend will lose her pension if we get married..." "My rent is more than my income, what can I do?" "When will the overbidding on houses end?" "Should I stay at my job until they close?" "Does it make sense to pay off my mortgage?" Support Our Sponsors: Zander Insurance BetterHelp Yrefy Health Trust Financial Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 📚 Teach Kids About Money!  🚢 The Live Like No One Else Cruise is booking fast!  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Start your free budget today. Download the EveryDollar app! George Kamel & Dr John Delony answer your questions and discuss: Getting back on your feet after a divorce, "Should I pause the Baby Steps to go to Money & Marriage?" "What does a live well lived really mean?" When and how to combine finances when you get married How to help an elderly parent plan for the future, Making $88K and we can't afford to pay our debt. Support Our Sponsors: NetSuite Zander Insurance BetterHelp Health Trust Financial Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ☂️ Get the right insurance without breaking the bank. 🏠 Find a Ramsey Trusted Real Estate Agent 🚢 The Live Like No One Else Cruise is booking fast! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Jade Warshaw & Ken Coleman answer your questions and discuss: "Should I loan my girlfriend money?" Protecting yourself from a data breach, "How do I protect myself and my investments?" "I bought a truck for $88K and two years later it's only worth $50K," Buying a home in a hot market, Helping an elderly parent with finances. Support Our Sponsors: Christian Healthcare Ministries BetterHelp Zander Insurance Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏠 Find a Ramsey Trusted Real Estate Agent 🚢 The Live Like No One Else Cruise is booking fast! ☂️ Get the right insurance without breaking the bank. 🏡 Use the Mortgage Calculator to see how much house you can afford! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Ken Coleman & Rachel Cruze answer your questions and discuss: "I am $470K in debt and drowning" "Is there a responsible way to go into debt?" Selling Taylor Swift tickets to pay off debt, Watch the trailer Mike Rowe's new movie Something to Stand For A 14-year-old entrepreneur looking to expand, Getting sent to collections... in Europe Support Our Sponsors: Zander Insurance Health Trust Financial Churchill Mortgage Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🚢 The Live Like No One Else Cruise is booking fast!  📄 Will an online will work for you? 🏠 Find a Ramsey Trusted Real Estate Agent Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dr. John Delony & George Kamel answer your questions and discuss: What to do when you second guess your life choices, Mutual funds vs. index funds, "Should I save for a house or for a business?" Slowing down the debt payoff when life happens, "Should I break my lease if I can't afford my rent?" Support Our Sponsors: BetterHelp Yrefy NetSuite Zander Insurance Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 📄 Will an online will work for you? 🏠 Find a Ramsey Trusted Real Estate Agent 🚢 The Live Like No One Else Cruise is booking fast!  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! George Kamel & Jade Warshaw answer your questions and discuss: Why you should wait until after marriage to pay on each other's debt, Paying for higher education, "Do I really need health insurance?" Trading better pay for no growth opportunity "My mom wants me to go back to college, should I" Support Our Sponsors: Churchill Mortgage Zander Insurance Health Trust Financial BetterHelp Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏠 Find a Ramsey Trusted Real Estate Agent 🚢 The Live Like No One Else Cruise is booking fast!  ☂️ Get the right insurance without breaking the bank. Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dr. John Delony & Ken Coleman answer your questions and discuss: "How do I cut the financial umbilical cord with adult kids?" "Should my fiancée and I combine banks now?" "I'm over $900k in debt, what can I do?" "How do I deal with my husband's impulse spending," "Why you should sometimes let your kids fail," "Should I leave before more layoffs happen?" Support Our Sponsors: Zander Insurance Yrefy Health Trust Financial BetterHelp Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 📖 Beat debt and build wealth with the new The Total Money Makeover Updated and Expanded 20th Anniversary Edition! 🏠 Find a Ramsey Trusted Real Estate Agent Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dr. John Delony & Jade Warshaw answer your questions and discuss: "My kids don't make enough to pay their bills," "What's the right time to upgrade my house?" "I feel like I'm a financial burden to my husband," "I don't feel motivated to pay off my house," "I can't afford to put gas in my car" "Talk me off the ledge of buying this car..." Support Our Sponsors: Churchill Mortgage Zander Insurance BetterHelp Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏠 Find a Ramsey Trusted Real Estate Agent 📖 Beat debt and build wealth with the new The Total Money Makeover Updated and Expanded 20th Anniversary Edition!   Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Jade Warshaw & Ken Coleman answer your questions and discuss: "How do I explain why I was fired from a job?" "What's the best way to buy a car?" "We have buyer's remorse about our home," "Am I wrong for questioning our marriage?" "Should my husband buy his dream car for $150k?" "I have no debt but I'm still worried about money," Support Our Sponsors: NetSuite BetterHelp Zander Insurance Health Trust Financial Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 📖 Beat debt and build wealth with the new The Total Money Makeover Updated and Expanded 20th Anniversary Edition! 🏠 Find a Ramsey Trusted Real Estate Agent Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Jade Warshaw & George Kamel answer your questions and discuss: "Should I stop my eBay customers from using BNPL to pay?" "How do I get into budgeting without getting overwhelmed?" Why you shouldn't take investing advice from social media, Why you should avoid a terrible new zero-down mortgage option, "Will I live paycheck-to-paycheck forever?" Support Our Sponsors: Zander Insurance Health Trust Financial Churchill Mortgage Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 📖 Beat debt and build wealth with the new The Total Money Makeover Updated and Expanded 20th Anniversary Edition! 🏠 Find a Ramsey Trusted Real Estate Agent Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Ken Coleman & George Kamel answer your questions and discuss: "I'm 21-years-old and $350K in debt" Teaching kids the value of hard work, Dealing with the tax implications of a high yield savings account, Why co-signing on a loan is NEVER a good idea, "How do I get out of over $1M in debt?" Getting back on your feet after losing a job Support Our Sponsors: Christian Healthcare Ministries NetSuite BetterHelp Zander Insurance Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏠 Find a Ramsey Trusted Real Estate Agent 📖 Beat debt and build wealth with the new The Total Money Makeover Updated and Expanded 20th Anniversary Edition! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Ken Coleman & George Kamel answer your questions and discuss: We don't agree on buying a motorhome for our retirement, "Is it ok to work my side hustle while at my primary job?" Finding the retirement plan that works best for you, "Should I take a job closer to home?" My business partner loaned our business money, "When do I start paying myself in my business?" Support Our Sponsors: Churchill Mortgage BetterHelp Health Trust Financial Zander Insurance Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏠Find a Ramsey Trusted Real Estate Agent 📄 Will an online will work for you? 📚Get 20% off bestsellers! Whether you’re ready to kick debt to the curb, want to live a less-anxious life, or looking for growth in your job—there’s hope. 💰 Enter the $3,000 Ramsey Cash Giveaway today! Enter daily to increase your chances of winning weekly $500 prizes or the $3,000 grand prize.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Jade Warshaw & Rachel Cruze answer your questions and discuss: Living paycheck to paycheck making almost $500K per year, Taking a pay cut to leave a toxic work environment, "Should we charge our friends for our small business services?" Why cash back credit cards aren't all they are cracked up to be, The importance of being on the same page with your spouse, What is "spaving"? Support Our Sponsors: Zander Insurance NetSuite BetterHelp Health Trust Financial Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 📚Get 20% off bestsellers! Whether you’re ready to kick debt to the curb, want to live a less-anxious life, or looking for growth in your job—there’s hope. 💰 Enter the $3,000 Ramsey Cash Giveaway today! Enter daily to increase your chances of winning weekly $500 prizes or the $3,000 grand prize.  📈For help with investing, get connected with a SmartVestor Pro.  ☂️ Protect yourself with the right coverage—take our coverage quiz! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! George Kamel & Jade Warshaw answer your questions and discuss: The importance of being honest about money in relationships, I owe $66K on my car and it needs a $20K repair, "I'm $100K in debt, should I file bankruptcy?" "Is debt really a problem?" Pulling money from a 401K to flip a house, "Can I invest part of my HSA?" Read more: https://ter.li/5syqmt Support Our Sponsors: BetterHelp Zander Insurance Christian Healthcare Ministries Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ☂️ Protect yourself with the right coverage—take our coverage quiz! 📚Get 20% off bestsellers! Whether you’re ready to kick debt to the curb, want to live a less-anxious life, or looking for growth in your job—there’s hope. 💰 Enter the $3,000 Ramsey Cash Giveaway today! Enter daily to increase your chances of winning weekly $500 prizes or the $3,000 grand prize.  📈For help with investing, get connected with a SmartVestor Pro.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Ken Coleman & Dr. John Delony answer your questions and discuss: The fallout when spouses commit financial infidelity, Deciding between a cushy job and nursing school, "I powdered your butt so I don't want to hear your thoughts on money," "Inflationships" have come to America, "Can a relationship survive years or resentment?" Budgeting after the loss of a spouse Support Our Sponsors: NetSuite BetterHelp Zander Insurance Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 📈For help with investing, get connected with a SmartVestor Pro.  ☂️ Protect yourself with the right coverage—take our coverage quiz! 📚Get 20% off bestsellers! Whether you’re ready to kick debt to the curb, want to live a less-anxious life, or looking for growth in your job—there’s hope. 💰 Enter the $3,000 Ramsey Cash Giveaway today! Enter daily to increase your chances of winning weekly $500 prizes or the $3,000 grand prize.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! While we're out for Memorial Day, we've compiled some of our favorite Dave and Rachel calls from the past few year. Enjoy the long weekend and we'll be back with a live show soon! Support Our Sponsors: Zander Insurance Health Trust Financial Churchill Mortgage Yrefy Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 📘 Beat debt and build wealth with the new The Total Money Makeover Updated and Expanded 20th Anniversary Edition! 📈For help with investing, get connected with a SmartVestor Pro.  ☂️ Protect yourself with the right coverage—take our coverage quiz! 💰 Enter the $3,000 Ramsey Cash Giveaway today! Enter daily to increase your chances of winning weekly $500 prizes or the $3,000 grand prize.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dr. John Delony & George Kamel answer your questions and discuss: "Should we do an expensive car repair?" Is the economy as bad as everyone thinks it is? Dealing with unknown items on credit reports, "I'm working 60 hours a week but I'm not making enough money," "How do I bounce back after getting fired?" "I lied to my wife about money..." "Am I responsible for taking care of my mom?" Support Our Sponsors: Zander Insurance Christian Healthcare Ministries Churchill Mortgage Health Trust Financial Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ❤️ Get away with your spouse to Nashville at Money & Marriage Getaway.  📘 Beat debt and build wealth with the new The Total Money Makeover Updated and Expanded 20th Anniversary Edition! 💰 Enter the $3,000 Ramsey Cash Giveaway today! Enter daily to increase your chances of winning weekly $500 prizes or the $3,000 grand prize.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Jade Warshaw answer your questions and discuss: "Should I pay off my mortgage first?" "I panicked and paid off my home, was I wrong?" "How do I help my husband while he's in rehab?" "How can I reduce how much I pay in taxes?" "Why you should never loan your kids money," "Should we use our emergency fund for this?" Support Our Sponsors: NetSuite BetterHelp Zander Insurance Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 👕The NEW Ramsey Merch is here! Shop Yetis, sweatshirts, hats and more! These 6 new arrivals are exclusively available only at the Ramsey Store. ❤️ Get away with your spouse to Nashville at Money & Marriage Getaway.  💰 Enter the $3,000 Ramsey Cash Giveaway today! Enter daily to increase your chances of winning weekly $500 prizes or the $3,000 grand prize.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Rachel Cruze answer your questions and discuss: "Our neighbor's septic is leaking into our yard..." "How do we get on the same page financially?" "How do I build a multi-family homestead?" "How much should I budget for a car?" How real millionaires built their wealth. Support Our Sponsors: Churchill Mortgage BetterHelp Health Trust Financial Zander Insurance Next Steps 🏠 Find a Ramsey Trusted Real Estate Agent 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ❤️ Get away with your spouse to Nashville at Money & Marriage Getaway.  👕The NEW Ramsey Merch is here! Shop Yetis, sweatshirts, hats and more! These 6 new arrivals are exclusively available only at the Ramsey Store. 💰 Enter the $3,000 Ramsey Cash Giveaway today! Enter daily to increase your chances of winning weekly $500 prizes or the $3,000 grand prize.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Ken Coleman answer your questions and discuss: "How can I help my girlfriend deal with her ex-husband," "What do we need to know to sell our business?" "Should we pause the Baby Steps to buy a storm shelter?" "How do I budget extra money every month?" "Getting a spouse on board with the Baby Steps," "We disagree about selling our rental," "Is giving excessively the same as over spending?" Support Our Sponsors: BetterHelp Zander Insurance Yrefy Health Trust Financial Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 📈 Get Dave's personal playbook on investing and real estate. 👕The NEW Ramsey Merch is here! Shop Yetis, sweatshirts, hats and more! These 6 new arrivals are exclusively available only at the Ramsey Store. 💰 Enter the $3,000 Ramsey Cash Giveaway today! Enter daily to increase your chances of winning weekly $500 prizes or the $3,000 grand prize.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Dr. John Delony answer your questions and discuss: Why "passive rental income" isn't so passive after all, How to get your masters degree paid for, Getting out of a toxic housing situation, "How can I build wealth by myself?" "Is it okay to move into a nicer home now?" "My wife wants to go into debt for a remodel?" Support Our Sponsors: NetSuite BetterHelp Zander Insurance Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 👕The NEW Ramsey Merch is here! Shop Yetis, sweatshirts, hats and more! These 6 new arrivals are exclusively available only at the Ramsey Store. 📈 Dave Ramsey's personal playbook on investing and real estate. 💰 Enter the $3,000 Ramsey Cash Giveaway today! Enter daily to increase your chances of winning weekly $500 prizes or the $3,000 grand prize.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Rachel Cruze & Jade Warshaw answer your questions and discuss: "Is there a downside to recasting a mortgage?" "Should we tackle our debt right away with a layoff on the horizon?" "I work hard but I still feel like a guest in my own home..." "What should I do after maxing out my Roth IRA?" "Why should I choose mutual over index funds?" "Should I file for bankruptcy?" Support Our Sponsors: Zander Insurance BetterHelp Churchill Mortgage Health Trust Financial Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 📈 Dave Ramsey's personal playbook on investing and real estate. 👕The NEW Ramsey Merch is here! Shop Yetis, sweatshirts, hats and more! These 6 new arrivals are exclusively available only at the Ramsey Store. 💰 Enter the $3,000 Ramsey Cash Giveaway today! Enter daily to increase your chances of winning weekly $500 prizes or the $3,000 grand prize.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Jade Warshaw & George Kamel answer your questions and discuss: "I was involved in a crypo-romance scam..." "What loan should I use to buy a rental house?" How to build a life you're not exhausted by, "My dog is needing expensive medical care," Whole life insurance explained, "My parents are making me pay for a car they gifted," Support Our Sponsors: BetterHelp Zander Insurance NetSuite Health Trust Financial Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 📘 Beat debt and build wealth with the new The Total Money Makeover Updated and Expanded 20th Anniversary Edition! 📈 Dave Ramsey's personal playbook on investing and real estate. 💰 Enter the $3,000 Ramsey Cash Giveaway today! Enter daily to increase your chances of winning weekly $500 prizes or the $3,000 grand prize.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Rachel Cruze answer your questions and discuss: "Should I improve the property that I'm renting from my family?" "Should I wait for my ex to pay off debt in my name that he was court ordered to pay?" How to know if you should keep repairing a vehicle or if it's time to upgrade "How do I use EveryDollar with irregular income?" A caller that finds out on air that he's finally a millionaire "My boss hasn't paid me the last three pay checks but I'm concerned the company will go under if I leave" "I have $360k in debt, just found out I'm having a baby, and I don't know what to do" Rabbi Daniel Lapin joins to discuss his new book, The Holistic You "I'm restarting my life after a divorce - can I afford to put 10% down on a house?" Support Our Sponsors: Christian Healthcare Ministries Yrefy Zander Insurance Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 📈 Dave Ramsey's personal playbook on investing and real estate. 📘 Beat debt and build wealth with the new The Total Money Makeover Updated and Expanded 20th Anniversary Edition! 💰 Enter the $3,000 Ramsey Cash Giveaway today! Enter daily to increase your chances of winning weekly $500 prizes or the $3,000 grand prize.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Ken Coleman answer your questions and discuss: "We keep coming up short $500 every month and don't know how to tackle the Baby Steps with 4 kids" "I've homeless with 3 kids and don't know where to start on the Baby Steps" "Should I leave a well paying job with benefits to spend more time with my family?" The real reasons why waiting to pay off loans with 0% interest is stupid "How do I stop comparing my financial journey to those around me so I don't go back in to debt?" "How can I help build our income as a stay at home mom?" Willie Robertson of Duck Dynasty joins the show to share about his new book, Gospeler: Turning Darkness into Light One Conversation at a Time "Should I take a 0% interest wage advance from work to pay towards my student loans?" Support Our Sponsors: Zander Insurance Churchill Mortgage BetterHelp Health Trust Financial Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 📈 Dave Ramsey's personal playbook on investing and real estate. 📘 Beat debt and build wealth with the new The Total Money Makeover Updated and Expanded 20th Anniversary Edition! 💰 Enter the $3,000 Ramsey Cash Giveaway today! Enter daily to increase your chances of winning weekly $500 prizes or the $3,000 grand prize.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Dr. John Delony answer your questions and discuss: "Is bankruptcy the only way out of my financial mess?" What to do when you bought too much house and your not on the same page with your spouse "I'm $200k in debt and have a baby on the way and don't know what to do" "My husband died suddenly and I have no idea what to do with my finances because he took care of everything" "How do we clean up $165k of debt on a truck and camper and start walking the Baby Steps?" "I can't afford a divorce, but I don't feel safe at my home anymore" "I'm a recovering spending addict and I don't know how to get my debts back on track" Support Our Sponsors: NetSuite BetterHelp Zander Insurance Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 💰 Enter the $3,000 Ramsey Cash Giveaway today! Enter daily to increase your chances of winning weekly $500 prizes or the $3,000 grand prize.  📚Get 20% off bestsellers! Whether you’re ready to kick debt to the curb, want to live a less-anxious life, or looking for growth in your job—there’s hope. 📈 Dave Ramsey's personal playbook on investing and real estate. Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! ☎️ Share your thoughts on The Ramsey Show & more! George Kamel & Jade Warshaw answer your questions and discuss: "How should I diversify my investing?" Wall Street Journal article: Gen-Z Sinks Deeper in Debt, "When should I teach my kids about money?" "Should I sell my car to jumpstart savings and investments?" "Coping with a spouse who has a traumatic brain injury," "Is a 'cash back debit card' a good idea?" Support Our Sponsors: Christian Healthcare Ministries Zander Insurance BetterHelp Next Steps 🗒️ Side Hustle Quiz 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 📈 Dave Ramsey's personal playbook on investing and real estate. 🎓Your grad doesn’t need another gift card. Give them the gifts you wish you’d been given, like the tools to help them take control of their money and find work that fulfills them. 💰 Enter the $3,000 Ramsey Cash Giveaway today! Enter daily to increase your chances of winning weekly $500 prizes or the $3,000 grand prize.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! ☎️ Share your thoughts on The Ramsey Show & more! Dave Ramsey & Ken Coleman answer your questions and discuss: Why desperation can lead to stupid decisions if you're not careful, "What's the best place to invest for retirement?" How Dave recommends someone invest in real estate, Repairing a car vs. replacing it, Why you should drive like no one else now so you can drive like no one else later, "We found asbestos while renovating our home..." Support Our Sponsors: Zander Insurance BetterHelp Churchill Mortgage Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 🎓Your grad doesn’t need another gift card. Give them the gifts you wish you’d been given, like the tools to help them take control of their money and find work that fulfills them. 💰 Enter the $3,000 Ramsey Cash Giveaway today! Enter daily to increase your chances of winning weekly $500 prizes or the $3,000 grand prize.  📈 Dave Ramsey's personal playbook on investing and real estate. Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! ☎️ Share your thoughts on The Ramsey Show & more! Dave Ramsey & Rachel Cruze answer your questions and discuss: Avoiding whole-life insurance, Why you should listen to the old rich people and go slow, "Should I take a pay cut to get into a better job?" "How do I work with my wife on our finances?" "Should we contribute to a 529 over retirement for day care?" "How can I get out of my car debt?" Support Our Sponsors: NetSuite Zander Insurance BetterHelp Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 📈 Dave Ramsey's personal playbook on investing and real estate. 🎓Your grad doesn’t need another gift card. Give them the gifts you wish you’d been given, like the tools to help them take control of their money and find work that fulfills them. 💰 Enter the $3,000 Ramsey Cash Giveaway today! Enter daily to increase your chances of winning weekly $500 prizes or the $3,000 grand prize.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! ☎️ Share your thoughts on The Ramsey Show & more! George Kamel & Dr. John Delony answer your questions and discuss: Why self-awareness is a superpower, "How do I stop giving money to my ex-daughter-in-law?" "Who should pay for our mother-in-law suite?" "What's the best way to get my finances in order?" "I'm afraid my husband will lose all of our money" "How do I set boundaries with family about my inheritance?" Support Our Sponsors: BetterHelp NetSuite Zander Insurance Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 📈 Dave Ramsey's personal playbook on investing and real estate. 🎓Your grad doesn’t need another gift card. Give them the gifts you wish you’d been given, like the tools to help them take control of their money and find work that fulfills them. 💰Enter the $3,000 Ramsey Cash Giveaway today! Enter daily to increase your chances of winning weekly $500 prizes or the $3,000 grand prize.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! ☎️ Share your thoughts on The Ramsey Show & more! Dave Ramsey & Jade Warshaw answer your questions and discuss: "Should I lie about how much I'm selling my car for?" "How do we stop living paycheck to paycheck?" "Am I the exception to credit cards?" "My daughter wants me to move out of our house..." "We are struggling to pull the trigger on a house," "How can I pay off debt and save money?" Support Our Sponsors: Churchill Mortgage Zander Insurance Yrefy Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 💰 Enter the $3,000 Ramsey Cash Giveaway today! Enter daily to increase your chances of winning weekly $500 prizes or the $3,000 grand prize.  📚Get 20% off bestsellers! Whether you’re ready to kick debt to the curb, want to live a less-anxious life, or looking for growth in your job—there’s hope. 🎟️ It's game on! Get your ticket for Total Money Makeover Weekend.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Rachel Cruze & George Kamel answer your questions and discuss: "Should I pursue a life of homesteading?" "How do I deal with a HELOC during the Baby Steps," "I'm worried my side hustle will get me fired..." "How do I talk to my husband about our finances?" "Is it okay to rent instead of buy?" Support Our Sponsors: Churchill Mortgage Zander Insurance Yrefy Next Steps 💵 How to Start Investing in 2024: A Beginner’s Guide 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 🏠 Find a Ramsey Trusted Real Estate Agent 📈 For help with investing, get connected with a SmartVestor Pro.  💰 Enter the $3,000 Ramsey Cash Giveaway today! Enter daily to increase your chances of winning weekly $500 prizes or the $3,000 grand prize.  📚Get 20% off bestsellers! Whether you’re ready to kick debt to the curb, want to live a less-anxious life, or looking for growth in your job—there’s hope. Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Jade Warshaw answer your questions and discuss: "I can't afford to pay off my credit cards," "Should I leverage money or pay cash for an investment property?" "My sister-in-law wants us to pay for her vacation..." "Did we mess up by buying my parents' house?" "How should we budget for a wedding?" "Starting a new life after years in prison" Support Our Sponsors: BetterHelp NetSuite Zander Insurance Yrefy Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 📈 For help with investing, get connected with a SmartVestor Pro.  💰 Enter the $3,000 Ramsey Cash Giveaway today! Enter daily to increase your chances of winning weekly $500 prizes or the $3,000 grand prize.  📚Get 20% off bestsellers! Whether you’re ready to kick debt to the curb, want to live a less-anxious life, or looking for growth in your job—there’s hope. 🏠 Find a Ramsey Trusted Real Estate Agent Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Dr. John Delony answer your questions and discuss: Why you can't let math calculations become your focus when the real problem is your behavior, "How do we stay motivated during our debt payoff journey?" Why you should never take financial advice from broke people, "How do I start saving for retirement?" Getting out of an upside-down car (loan), "I'm being sued by a credit card company" Support Our Sponsors: Zander Insurance BetterHelp Churchill Mortgage Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 💰 Enter the $3,000 Ramsey Cash Giveaway today! Enter daily to increase your chances of winning weekly $500 prizes or the $3,000 grand prize.  📚Get 20% off bestsellers! Whether you’re ready to kick debt to the curb, want to live a less-anxious life, or looking for growth in your job—there’s hope. 🏠 Find a Ramsey Trusted Real Estate Agent 📄 Will an online will work for you? Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Ken Coleman answer your questions and discuss: "My sister wants to move in with me," "Should I buy a home with my boyfriend?" "Should I take out a loan to buy a $1M business?" Using the "why" instead of the "what" to get your spouse on board with the Baby Steps, "Our bills tripled due to fraud by a family member," "How can we help our family living in poverty overseas?" Support Our Sponsors: NetSuite Zander Insurance BetterHelp Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 🍎 Enter the Teacher Appreciation Giveaway 🏠 Find a Ramsey Trusted Real Estate Agent 🎟️ It's game on! Get your ticket for Total Money Makeover Weekend.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! George Kamel, Ken Coleman, and Jade Warshaw answer your questions and discuss: "Should we move because of our grumpy older neighbor?" "I broke up with my girlfriend because of Dave..." "Dealing with family drama and medical bills," "How do I start over after a divorce?" "My husband didn't disclose how much debt he has," "Should I sell my rental to pay off debt?" Support Our Sponsors: Zander Insurance BetterHelp Christian Healthcare Ministries Next Steps ✅ How to Survive Divorce: Protect Yourself and Your Finances 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 🍎 Enter the Teacher Appreciation Giveaway 🏠 Find a Ramsey Trusted Real Estate Agent 🎟️ It's game on! Get your ticket for Total Money Makeover Weekend.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Jade Warshaw & Ken Coleman answer your questions and discuss: "I need a car but I'm still paying off debt," "We disagree on what kind of mortgage to get," "Should I go back to college?" "How do I get my wife on board with the Baby Steps?" "How long should I help my grown son?" Support Our Sponsors: NetSuite BetterHelp Zander Insurance Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 🍎 Enter the Teacher Appreciation Giveaway 🏠 Find a Ramsey Trusted Real Estate Agent 🎟️ It's game on! Get your ticket for Total Money Makeover Weekend.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Rachel Cruze & Ken Coleman answer your questions and discuss: "Should I use debt settlement?" "Where does a HELOC fall in the Baby Steps?" "I don't have anything saved for retirement," "How do I navigate buying a house from family?" "Is it ever a good idea to get a prenup?" Support Our Sponsors: Churchill Mortgage Zander Insurance BetterHelp Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 🍎 Enter the Teacher Appreciation Giveaway 🏠 Find a Ramsey Trusted Real Estate Agent 🎟️ It's game on! Get your ticket for Total Money Makeover Weekend.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Rachel Cruze & George Kamel answer your questions and discuss: "Should I pay off my rental property?" "Should we back out of our new home build?" "Should I quit my side hustles?" "We disagree with how our church uses money," "Where should I buy rental property?" "How can I start being financially responsible?" Support Our Sponsors: Christian Healthcare Ministries BetterHelp Zander Insurance Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 🍎 Enter the Teacher Appreciation Giveaway 🎟️ It's game on! Get your ticket for Total Money Makeover Weekend.  🏠 Find a Ramsey Trusted Real Estate Agent Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Rachel Cruze & George Kamel answer your questions and discuss: "Is it okay to rent if I don't want to build wealth?" "Where does buying a car fit into the Baby Steps?" "Would you recommend buying a foreclosure?" "Pause investing to pay off our house?" "Is it okay to ask my kids to help pay bills?" "How can I change my husband's mindset?" Support Our Sponsors: Zander Insurance Churchill Mortgage Yrefy Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 🍎 Enter the Teacher Appreciation Giveaway 🏠 Find a Ramsey Trusted Real Estate Agent 🎟️ It's game on! Get your ticket for Total Money Makeover Weekend.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Jade Warshaw & George Kamel answer your questions and discuss: "My husband gambled all our money away and I just lost my job," "Why should I pay down my mortgage?" "Where should I start on the Baby Steps?" "Why real estate investing isn't just rainbows and paychecks," "Should I buy a house just because it's a good deal?" "Is it reasonable to ask our kids to sacrifice for our debt?" Support Our Sponsors: BetterHelp NetSuite Zander Insurance Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 🍎 Enter the Teacher Appreciation Giveaway 🏠 Find a Ramsey Trusted Real Estate Agent 💼 Find The Work You're Wired To Do Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! George Kamel & Dr. John Delony answer your questions and discuss: Why leasing a car does not provide you with the tax benefits you think "I keep self sabotaging my budget because my adult children keep asking me for money" Contributing to retirement when self employed "Should I use a grant and a HELOC on my parents house so I can buy a house next year?" How to start your marriage off on the right foot financially Providing hope to a couple with $140k of gambling debt A caller that wanted to know if he should leverage his inheritance for $1 million of debt to try and purchase more real estate "Should we file bankruptcy because our company is being sued?" Support Our Sponsors: Zander Insurance Churchill Mortgage BetterHelp Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 🍎 Enter the Teacher Appreciation Giveaway 🏠 Find a Ramsey Trusted Real Estate Agent 🚢 The Live Like No One Else Cruise is back!  💼 Find The Work You're Wired To Do Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Jade Warshaw answer your questions and discuss: "My husband only wants to share his inheritance with his sons and not the children we've had together and I don't know how to talk to him about it." How to know if you moving states for a pay raise is worth it "How do I honor my wife's memory and stay financially wise?" Why it's not beneficial to change the Baby Steps to try and find a financial shortcut "My dad left his business to me in a trust but but I've been denied access and don't know what to do" A caller has been evicted 6 times and doesn't know how to make the changes necessary to keep it from happening again "Should I stay friends with someone who is committing fraud?" Support Our Sponsors: NetSuite Zander Insurance Yrefy Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 🍎 Enter the Teacher Appreciation Giveaway 🚢The Live Like No One Else Cruise is back! 💼 Find The Work You're Wired To Do 📈 For help with investing, get connected with a SmartVestor Pro.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & George Kamel answer your questions and discuss: "Is now the right time to treat myself with a car?" "Why you shouldn't rationalize your stupid money decisions," "How should we use our savings?" "My abusive husband took all our money and left," Why leasing a car is the most expensive way to own a vehicle, We hear from millionaires to find out how they built their wealth. Support Our Sponsors: BetterHelp NetSuite Zander Insurance Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 🍎 Enter the Teacher Appreciation Giveaway 💼 Find The Work You're Wired To Do 📈 For help with investing, get connected with a SmartVestor Pro.  🚢 The Live Like No One Else Cruise is back!  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Jade Warshaw answer your questions and discuss: "My car is being repossessed; what can I do?" "Should I sell my house or turn it into a rental property?" "I'm scared to death to not have a credit score," Vivek Ramaswamy on how monetary policy and the private sector can help transform the economy, "I feel stuck and unfulfilled in my current job," "I have $785K of debt, how do I get out of this?" Support Our Sponsors: Christian Healthcare Ministries Zander Insurance BetterHelp Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 🍎 Enter the Teacher Appreciation Giveaway 📈 For help with investing, get connected with a SmartVestor Pro.  🎟️ It's game on! Get your ticket for Total Money Makeover Weekend.  💼 Find The Work You're Wired To Do Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Ken Coleman answer your questions and discuss: "We are retired but don't have enough saving," "My car payment is $900 a month," Why there's a difference between doing idiotic things and being an idiot, "How do I pay off $79K of debt as a single mom?" "Should I use another job offer as leverage?" "Can I sell my rental without harming the tenant?" Support Our Sponsors: Zander Insurance BetterHelp Churchill Mortgage Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 🍎 Enter the Teacher Appreciation Giveaway 🎟️ It's game on! Get your ticket for Total Money Makeover Weekend.  💼 Find The Work You're Wired To Do 📈 For help with investing, get connected with a SmartVestor Pro.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Jade Warshaw & Ken Coleman answer your questions and discuss: "Can I afford to move out on my own?" "Is my dream job attainable?" "How do I get out of a car lease?" "How can I increase my income?" "How do I even get started on the plan?" Support Our Sponsors: Zander Insurance BetterHelp Churchill Mortgage Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 🍎 Enter the Teacher Appreciation Giveaway 🎟️ It's game on! Get your ticket for Total Money Makeover Weekend.  📖 I'm Glad For Where I Am Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Rachel Cruze answer your questions and discuss: "What should we do with my fiancée's house?" "How do we prepare for early retirement?" "How should I start paying off my student loans?" "How can I afford to move out on my own?" "What's the fastest way to start a business?" Support Our Sponsors: BetterHelp NetSuite Zander Insurance Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 🍎 Enter the Teacher Appreciation Giveaway 💼 Find The Work You're Wired To Do 📈 Dave Ramsey's personal playbook on investing and real estate. Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & George Kamel answer your questions and discuss: "I don't know what's going on with our finances..." "I feel like I still can't afford a home at 52," "How do I take my wealth to the next level?" "Talking to my wife about combining finances," "How can we afford to buy a house?" "I feel guilty for spending money on a car" Support Our Sponsors: Zander Insurance Yrefy BetterHelp Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 🍎 Enter the Teacher Appreciation Giveaway 📖 I'm Glad For Where I Am 📈 Dave Ramsey's personal playbook on investing and real estate. Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Rachel Cruze answer your questions and discuss: "How can I help my father handle an inheritance?" "When should we pause Baby Step 2?" "How much should we spend on a vehicle?" "Why does Dave hate SoFi?" "What should I do with money in savings?" Support Our Sponsors: Churchill Mortgage BetterHelp Zander Insurance Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 🍎 Enter the Teacher Appreciation Giveaway 📊 Dave Ramsey's personal playbook on investing and real estate. 📖 I'm Glad For Where I Am Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Jade Warshaw answer your questions and discuss: "I feel like I'm stuck on Baby Step 1," "Should I start a business with my friends?" "My husband doesn't want to do the Baby Steps" "I'm scared to use our savings," "Should we take out a reverse mortgage?" "We have $110K in car loans with $43 income." Support Our Sponsors: NetSuite Zander Insurance Christian Healthcare Ministries Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 🍎 Enter the Teacher Appreciation Giveaway 💼 Find The Work You're Wired To Do Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! George Kamel & Jade Warshaw answer your questions and discuss: "I have $400k of student loans; should I wait for forgiveness?" "How do I make enough to take care of my mom?" "How much should I have in an emergency fund?" "Should we buy a safer car?" "How do I get started investing?" Support Our Sponsors: Christian Healthcare Ministries Zander Insurance Yrefy Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 🍎 Enter the Teacher Appreciation Giveaway 📖 I'm Glad For Where I Am 📈 Dave Ramsey's personal playbook on investing and real estate. Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Rachel Cruze answer your questions and discuss: "Where should we invest after paying off debt?" Why bad decisions will steal your wealth, Dave's guide to flipping houses, Fill this "prescription" if you want to be wealthy, Dave breaks down the 4 walls and why they're important, Dave's boomer perspective on Gen-Z's tax trauma, "We bought a flip house with my mom" Support Our Sponsors: Churchill Mortgage BetterHelp Zander Insurance Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 🍎 Enter the Teacher Appreciation Giveaway 📄 Need help with your taxes? See who we trust. 📖 I'm Glad For Where I Am Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Dr. John Delony answer your questions and discuss: "I'm $120K in debt and feel stuck," "Should I sell my new car?" "I'm being sued for an old credit card," "Is it OK to cut the cord and enjoy retirement?" "Buy a home for my son and his college friends?" "I can't afford to go to my friend's wedding" Support Our Sponsors: NetSuite Zander Insurance BetterHelp Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 🍎 Enter the Teacher Appreciation Giveaway 📄 Need help with your taxes? See who we trust. Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & George Kamel answer your questions and discuss: "Should I buy a house while paying off student loans?" "My husband refuses to talk about our finances," "Should I take a job that will triple my income?" "Is a Roth conversion a good idea?" "How do I pay bills that are in collections?" Support Our Sponsors: Zander Insurance BetterHelp NetSuite Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 🍎 Enter the Teacher Appreciation Giveaway 📄 Need help with your taxes? See who we trust. 💼 Find The Work You're Wired To Do  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Ken Coleman answer your questions and discuss: "What should we do with extra income?" "Should we move in with my parents to save money?" "Should my fianceé sign a prenup?" "Should I be content with a lower income?" "What's the wisest way to handle an inheritance?" Support Our Sponsors: BetterHelp Churchill Mortgage Zander Insurance Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 🍎 Enter the Teacher Appreciation Giveaway 📄 Need help with your taxes? See who we trust. 💼 Find the Work You're Wired to Do + The Get Clear Career Assessment, Preorder today! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Rachel Cruze answer your questions and discuss: "Should I buy a home for my parents to rent?" Why you should never loan money to anyone including family & friends, "I co-signed on my ex-wife's house," "Should I buy rental property before paying off my house?" "I'm scared about money," "Should I move in with my in-laws to save money?" Support Our Sponsors: NetSuite Zander Insurance Eight Sleep Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! ✂️ Share hope by leading an FPU class at your church! 📈 For help with investing, get connected with a SmartVestor Pro.  📊 Dave Ramsey's personal playbook on investing and real estate. Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Rachel Cruze answer your questions and discuss: "Should we sell our house in case of economic collapse?" "I made bad choices and gambled everything away..." The harsh reality of childcare expenses, Why you have to know where your money is going, How recognizing the problem is 90% of solving it, Learning how to be disciplined. Support Our Sponsors: Zander Insurance BetterHelp Christian Healthcare Ministries Next Steps 👩‍👧‍👦 13 Ways to Afford the High Cost of Childcare 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 📄 Need help with your taxes? See who we trust. 💌 Will an online will work for you? ✂️ Share hope by leading an FPU class at your church! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Jade Warshaw answer your questions and discuss: "I got us into a $120k hole of debt and now my marriage is falling apart," Rebuilding life after a messy divorce, "Should I keep paying off debt if I'm going to lose my job?" "Use a HELOC for home renovations?" "How much can I spend on a car?" "Is it okay to be wealthy as a Christian?" Support Our Sponsors: BetterHelp Yrefy Zander Insurance Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! ☂️ Protect yourself with the right coverage—take our coverage quiz! ✂️ Share hope by leading an FPU class at your church! 📄 Need help with your taxes? See who we trust. Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Dr. John Delony answer your questions and discuss: "My husband wants to buy his dream truck..." "Is Ramsey hypocritical about mortgage debt?" "How do we stop living paycheck-to-paycheck?" "Is it okay to buy my mom a car?" "My in-laws trashed my rental, what should I do?" Support Our Sponsors: Churchill Mortgage Zander Insurance BetterHelp Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! ✂️ Share hope by leading an FPU class at your church! 📈 For help with investing, get connected with a SmartVestor Pro.  ☂️ Protect yourself with the right coverage—take our coverage quiz! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Ken Coleman answer your questions and discuss: My fiancee's parents want me to sign a prenup..." The importance of boundaries in marriage, "Should I take a promotion into a toxic work environment?" Dave reads mean YouTube comments, "When should we replace our vehicle?" "We don't make enough to pay our bills," "How do I get out of this financial storm?" Support Our Sponsors: Zander Insurance BetterHelp NetSuite Churchill Mortgage Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 📄 Need help with your taxes? See who we trust. ✂️ Share hope by leading an FPU class at your church! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Jade Warshaw & Dr. John Delony answer your questions and discuss: "I'm making good money as a stripper and paying down debt, but I hate it," "I want an expensive home birth; is that okay?" "I need my inheritance money to fund my lifestyle," "We are fighting $688K of debt and we're losing money," Why a tax refund is not a bonus. Support Our Sponsors: Churchill Mortgage BetterHelp Zander Insurance Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 📢 Ramsey Network is working on a new show chronicling the story of real people doing the work to get out of debt. If you are interested in being a part of it, please fill out this survey and our team may get back to you: https://ter.li/hb48dv 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 📊 Dave Ramsey's personal playbook on investing and real estate. 🏠 Find a Ramsey Trusted Real Estate Agent Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Rachel Cruze & Jade Warshaw answer your questions and discuss: "Will this financially ruin my family?" "I keep getting rejected by rental companies around my credit score," "How much should I save for a down payment?" "How can we budget together and be on the same page?" "I'm scared to buy a house" Support Our Sponsors: NetSuite Zander Insurance BetterHelp Next Steps Check out the Ramsey Investment Calculator: https://ter.li/o3ig41 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 📢 Ramsey Network is working on a new show chronicling the story of real people doing the work to get out of debt. If you are interested in being a part of it, please fill out this survey and our team may get back to you: https://ter.li/hb48dv 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 📊 Dave Ramsey's personal playbook on investing and real estate. Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dr. John Delony & Rachel Cruze answer your questions and discuss: "Should we keep investing while paying off debt?" "How can I convince my partner to marry me?" "I'm upside down on my car," "My husband wants to give his son a house against my wishes..." "My husband loves your show but won't slow down and take one step at a time - how do I get him to slow down?" How to know if you have too much life insurance and what it looks like to become self-insured "Our neighbors yell at us for parking on the street - are we making an emotional decision by selling our house?" "My son was making payments to me for a car he totaled - how can I let this be a lesson without it being a burden?" "My mom changed her will but it will leave my sister homeless and I don't know what to do about it" Support Our Sponsors: Zander Insurance BetterHelp NetSuite Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 📊 Dave Ramsey's personal playbook on investing and real estate. 🏠 Find a Ramsey Trusted Real Estate Agent Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Ken Coleman & Dr. John Delony answer your questions and discuss: "I'm not sure if I'm contributing enough to our debt," "How do I find a career I'm passionate about?" "Did we buy a car that is too fancy for us?" "Should I sell a rental to pay off all my debt?" "Should I go back to work?" Support Our Sponsors: Yrefy Churchill Mortgage Zander Insurance Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 📊 Dave Ramsey's personal playbook on investing and real estate. Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! George Kamel & Ken Coleman answer your questions and discuss: "How do I best set up my debt snowball?" "How should we use money gifted to us?" "Can we afford to go on a vacation?" "Are we buying too much house?" "Should we be intense with our down payment savings?" Support Our Sponsors: Christian Healthcare Ministries Zander Insurance BetterHelp Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 🏠 Find a Ramsey Trusted Real Estate Agent 📊 Dave Ramsey's personal playbook on investing and real estate. Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! George Kamel & Dr. John Delony answer your questions and discuss: "Can we trust the US Dollar or will it collapse?" "Should we leave our dream home due to property taxes?" "What mindset is going to keep me out of debt?" "I'm 35 and don't have a house; am I a failure?" "Is it worth buying an electric vehicle" Support Our Sponsors: Zander Insurance NetSuite Angel Studios BetterHelp Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 📈 For help with investing, get connected with a SmartVestor Pro.  🏘️ Buy, sell, and invest the right way using Dave’s proven plan. ☂️ Protect yourself with the right coverage—take our coverage quiz! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Dr. John Delony answer your questions and discuss: "What should I do financially after paying off debt?" "Should I sell my rental property if I'll pay $220,000 in capitol gains?" "How can I stop living paycheck to paycheck?" How to move past the shame of poor financial decisions "My pregnant ex is moving out of state - should I move too?" Why you shouldn't share ownership of a house with your kids just because they can't afford to buy one the one they want instead of what they need Dave Ramsey gives an update on the current state of the real estate market How to save up to afford a surgery while in Baby Step 2 Support Our Sponsors: BetterHelp Angel Studios Zander Insurance Churchill Mortgage Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 📄 Need help with your taxes? See who we trust. ☂️ Protect yourself with the right coverage—take our coverage quiz! 💼 Find the career you were born to do! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Jade Warshaw answer your questions and discuss: "My new husband is almost $1 million in debt I didn't know about," "We owe our in-laws $40k; what should we do?" Dave wants you to stop whining about the housing market, Baby Steps Millionaire Theme Hour. Support Our Sponsors: Angel Studios Zander Insurance BetterHelp Christian Healthcare Ministries Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 🏘️ Buy, sell, and invest the right way using Dave’s proven plan. 📈 For help with investing, get connected with a SmartVestor Pro.  ☂️ Protect yourself with the right coverage—take our coverage quiz! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Dr. John Delony answer your questions and discuss: "Which debt should I pay off first?" "My family wants 'their' money that I inherited..." "How do I balance today and the future?" "Should we leave our rental to our kids?" "Should I budget for a vacation?" "We have $60k of debt my husband doesn't know about..." "Our mortgage is more than 50% of our income" Support Our Sponsors: NetSuite Eight Sleep Zander Insurance Angel Studios Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 💌 Will an online will work for you? 💼 Find the career you were born to do! 📄 Need help with your taxes? See who we trust. Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & George Kamel answer your questions and discuss: "My mother-in-law committed fraud against us...what do we do?" "Has Dave finally changed his mind about investing in Bitcoin?" "Can I afford to buy a car?" Paying down a 401(k) loan, Why only you can control your financial destiny, "How do I start tackling my debt?" Is George a DINKWAD? "Should I save for a house or start investing?" Support Our Sponsors: Churchill Mortgage BetterHelp Angel Studios Zander Insurance Yrefy Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 📊 Dave Ramsey's personal playbook on investing and real estate. ☂️ Protect yourself with the right coverage—take our coverage quiz! 🏘️ Buy, sell, and invest the right way using Dave’s proven plan. Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Ken Coleman & George Kamel answer your questions and discuss: The clear roadmap of investing to become a millionaire by 65 How to change your mindset from reactive to proactive when it comes to managing your finances "How do we live on a budget with kids actively engaged in sports?" "How do I plan for our financial future after receiving a terminal diagnosis?" How George and his wife became net worth millionaires "How do we climb out of over $100,000 of debt?" "Should we pay for our son to go to M.I.T.?" "How much should we budget for our wedding?" Support Our Sponsors: BetterHelp Churchill Mortgage Angel Studios Zander Insurance Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 🏠 Find a Ramsey Trusted Real Estate Agent 🎟️ It's game on! Get your ticket for Total Money Makeover Weekend.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Rachel Cruze & Jade Warshaw answer your questions and discuss: "Why should I pay cash for my house if I have the money to do so?" How to navigate saving while in college to avoid taking out more student loans "My husband manages all our finances and doesn't share any financial information with me and I don't know what to do" "How early can I budget for the next month?" "Should we kick out our 21 year old son to start a life on his own?" How to know if you should sell your house to pay off debt "Should I pay off debts in collections first or start with debt that's still in good standing?" Support Our Sponsors: Zander Insurance BetterHelp NetSuite Angel Studios Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 🎟️ It's game on! Get your ticket for Total Money Makeover Weekend.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Ken Coleman answer your questions and discuss: "How do I keep the romance alive with a shared bank account if I don't want my spouse to see surprises I'm planning?" "I have a STEM degree and Starbuck's won't even hire me - how can I find a job with my degree?" "Am I financially obligated to help pay $250k of debt that my 60-year-old sister racked up?" Follow up call with a caller that hadn't paid taxes in 3 years How to choose between a stable income versus your dream career "Is it possible to leverage debt and stay aligned with the Ramsey methods?" How to prepare financially for losing your spouse Support Our Sponsors: Christian Healthcare Ministries Angel Studios BetterHelp Zander Insurance Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 🏠 Find a Ramsey Trusted Real Estate Agent 🎟️ It's game on! Get your ticket for Total Money Makeover Weekend. Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Rachel Cruze answer your questions and discuss: "Is our lifestyle out of control?" "My wife doesn't want to live on our pig farm anymore - should I buy her a house?" Keeping a home because of nostalgia is often times not worth the financial burden "I'm being sued by a bank for past due credit cards and don't know what to do" "Should I add my toddler as an authorized user on a credit card to build their credit?" How to get back on track with the Baby Steps after starting them out of order Support Our Sponsors: Churchill Mortgage Zander Insurance Angel Studios BetterHelp Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 🎟️ It's game on! Get your ticket for Total Money Makeover Weekend.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! George Kamel & Jade Warshaw answer your questions and discuss: "I'm in debt from making repairs to a home I bought from a meth addict and don't know how to fix this mess" Pick a Side: We're in Baby Step 7 and I want a new car, but my husband says we can't afford it "We backed out of buying a house and the sellers want more earnest money than what was in the contract" "My identity was stolen and I don't know what to do" read more: What to Do if Your Identity Is Stolen - https://ter.li/fban9v When is it actually beneficial to sell your house to pay off debt? "We're $100,000 in debt with a baby on the way and don't know how to fix this situation" "I'm debt free but still feel like I'm broke and don't know what to do" Support Our Sponsors: Angel Studios Yrefy Zander Insurance NetSuite Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 🎟️ It's game on! Get your ticket for Total Money Makeover Weekend.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Rachel Cruze & George Kamel answer your questions and discuss: "How can I stop living out of my car and get my money in order?" The importance of leaving a good financial legacy to your loved ones when you're gone, Pick a Side: To buy or not to buy a Stanley cup? Why leasing a car is a bad idea, 5 signs you're not taking retirement seriously. Support Our Sponsors: BetterHelp Zander Insurance Christian Healthcare Ministries Yrefy Next Steps What Is a Debt Validation Letter? 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 📈 For help with investing, get connected with a SmartVestor Pro.  🎟️ It's game on! Get your ticket for Total Money Makeover Weekend.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Jade Warshaw & Dr. John Delony answer your questions and discuss: "My parents changed the agreement we made about paying off Parent Plus loans and I don't have the money to pay them - what should I do?" "I was just laid off and my due date is tomorrow - what should I do?" "Is paying off debt a precursor to marriage?" Why you have to own your money decisions instead of pointing fingers, How debt will keep you from becoming wealthy, "Am I gaming the system with my credit card rewards?" Support Our Sponsors: USCCA BetterHelp Zander Insurance Neighborly Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 💼 Find the career you were born to do! ❤️ Money & Marriage Getaway is back!  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! George Kamel & Ken Coleman answer your questions and discuss: "How do I prioritize my financial goals?" Were we wrong about Bitcoin? "I'm afraid to sell our stock to pay off debt," "Which debts should I pay off first?" "What should my next financial goal be?" Support Our Sponsors: Zander Insurance NetSuite Churchill Mortgage Neighborly Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! ❤️ Money & Marriage Getaway is back!  🎟️ It's game on! Get your ticket for Total Money Makeover Weekend.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Rachel Cruze & Jade Warshaw answer your questions and discuss: A couple that has $1 million in student loans and doesn't know what to do "My car got repoed today - should I buy it back?" How to enjoy your financial success in Baby Step 7 Why it's so important to do the Baby Steps in order to maximize how quickly you can pay off debt A really difficult call where caller learns the hard truth that she's being financially abused by her husband Rachel and Jade weigh in on a disagreement a couple is having about if they should pay off their mortgage or build the patio of their dreams Support Our Sponsors: NetSuite Zander Insurance USCCA BetterHelp Neighborly Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 📊 For help with investing, Get connected with a SmartVestor Pro! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 🏠 Find a Ramsey Trusted Real Estate Agent ☂️Protect yourself with the right coverage—take our coverage quiz! 🎟️ It's game on! Get your ticket for Total Money Makeover Weekend.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Jade Warshaw & Dr. John Delony answer your questions and discuss: "How do I get my husband to contribute?" "How do I start investing?" "My kid won't pay me back the money I loaned him," "How can I get my car paid off?" "What should we do with our whole life policies?" "Should I talk to my wife's toxic boss?" "My husband has been hiding his credit card use" Support Our Sponsors: Eight Sleep Churchill Mortgage BetterHelp Zander Insurance Neighborly Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 📊 For help with investing, Get connected with a SmartVestor Pro! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 🎟️ It's game on! Get your ticket for Total Money Makeover Weekend.  🏘️ Buy, sell, and invest the right way using Dave’s proven plan. Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! George Kamel & Jade Warshaw answer your questions and discuss: "Change My Mind": New Cars. vs. Used Cars, "Should I apply for my first credit card to build credit?" Listeners share their stupid tax stories, "We earn $195K a year and are falling behind..." "How do I get out of debt (and stay out)?" Support Our Sponsors: Zander Insurance Churchill Mortgage BetterHelp Neighborly Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 💵 Join us for the next bonus budgeting livestream! 🚗 Should I Buy a New or Used Car? 📊 For help with investing, Get connected with a SmartVestor Pro! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 💼 Find the career you were born to do! 🎟️ It's game on! Get your ticket for Total Money Makeover Weekend.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Ken Coleman & Dr. John Delony answer your questions and discuss: "How can I find my passion in job?" "How do we talk to my mom about moving out?" "How do I make extra income?" "Can we afford the house we want to build?" "I have anxiety about spending money," "What's the best way to tackle IRS debt?" Support Our Sponsors: BetterHelp Zander Insurance NetSuite Neighborly Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 📊 For help with investing, Get connected with a SmartVestor Pro! 🏦 Take Your 3-Minute Money Assessment - Get a personalized money plan! 📄 Need help with your taxes? See who we trust. ❤️ Money & Marriage Getaway is back! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Jade Warshaw & Dr. John Delony answer your questions and discuss: "I feel scared about my future..." "Am I entitled to anything if we break up?" "I'm worth $7m but I'm still stingy," "How can I set boundaries with family about money?" "Do we really need to pause investing?" Real talk about the current housing market. Support Our Sponsors: USCCA BetterHelp Zander Insurance Neighborly Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! ❤️ Money & Marriage Getaway is back!  📈 For help with investing, get connected with a SmartVestor Pro.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! George Kamel & Rachel Cruze answer your questions and discuss: How to prepare mentally and financially to take on your spouses debt when you get married Why pausing investing is supposed to feel uncomfortable and light a fire under you while paying off debt A devastating situation where a new mom ended up with a 27% interest rate car loan Key things to know when budgeting on irregular income How to pay factor student loans in to your Debt Snowball when parents have promised to pay Support Our Sponsors: Zander Insurance USCCA Churchill Mortgage Neighborly Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🏠 Find a Ramsey Trusted Real Estate Agent 📄 Need help with your taxes? See who we trust. Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! George Kamel & Ken Coleman answer your questions and discuss: "We disagree about how the 'fun money' in the budget can be used," "Should I work for my dad?" "How should I save for kids college?" "Should I use interest from my RobinHood account to lease a car?" "Can I stop working 3 jobs since I'm almost done with Baby Step 2?" Support Our Sponsors: Christian Healthcare Ministries BetterHelp Zander Insurance NetSuite Neighborly Next Steps 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! 🎟️ It's game on! Get your ticket for Total Money Makeover Weekend.  💼 Find the career you were born to do! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! George Kamel & Dr. John Delony answer your questions and discuss: "Setting boundaries with friends and family," "What's the best way to invest my money?" "How can I pay off $460K of student loan debt?" "Setting kids up for success," Why you have to change your behavior if you want to win with money. 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Support Our Sponsors: Eight Sleep BetterHelp Zander Insurance Neighborly Next Steps ❤️ Money & Marriage Getaway is back! Get your tickets today! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Jade Warshaw & Ken Coleman answer your questions and discuss: "How can I add fun into my budget?" "Should I finance building a new house?" Ken and Jade weigh the pros and cons of paternity leave, "I am completely unhappy at my new job," "Should we sell our house to pay off debt?" 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Support Our Sponsors: Zander Insurance USCCA Churchill Mortgage Neighborly Next Steps 💡Keep your employees happy, hired, and thriving with SmartDollar.  ☂️Protect yourself with the right coverage—take our coverage quiz! 🏠 Find a Ramsey Trusted Real Estate Agent Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dr. John Delony & Rachel Cruze answer your questions and discuss: "My husband lied to me about his debt," "What should our financial goals be?" "My wife won't be gazelle intense to pay off debt?" "Can I afford to buy a new car?" "How can I start my debt snowball?" 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Support Our Sponsors: NetSuite Zander Insurance BetterHelp Neighborly Next Steps 📈 For help with investing, get connected with a SmartVestor Pro.  🎟️ Money & Marriage Getaway is back! Get your tickets today! ☂️Protect yourself with the right coverage—take our coverage quiz! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! George Kamel & Ken Coleman answer your questions and discuss: "Should we buy a house or keep renting?" "I just lost my job, what should I do?" "What ever happened to haggling at car dealerships?" "I'm 60 and having nothing in retirement," "How can I find a more fulfilling job?" 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Support Our Sponsors: BetterHelp Christian Healthcare Ministries NetSuite Zander Insurance Neighborly Next Steps ☂️Protect yourself with the right coverage—take our coverage quiz! 🏠 Find a Ramsey Trusted Real Estate Agent 📄 Need help with your taxes? See who we trust. Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Jade Warshaw & Dr. John Delony answer your questions and discuss: "My husband's drinking problem has led to hidden debt I just found out about," "I'm nervous to start the Baby Steps," "A friend lost $600K of my money day trading, what can I do?" "Dealing with a new car loan," "I have $100K in debt and my life is expensive" 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Support Our Sponsors: Churchill Mortgage Zander Insurance USCCA BetterHelp Neighborly Next Steps ❤️ Money & Marriage Getaway is back! 🏘️ Buy, sell, and invest the right way using Dave’s proven plan. Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign up for EveryDollar today - Create a free Budget! George Kamel & Rachel Cruze answer your questions and discuss: "My husband doesn't know about our debt," "What should I do with the money I'm saving?" "My husband wants to spend my inheritance," "Should I keep paying high rents to avoid high mortgage rates?" "Is Airbnb arbitrage a good option for me?" "We disagree on how quickly to pay off debt." 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Support Our Sponsors: BetterHelp Zander Insurance NetSuite The Chosen Neighborly Next Steps 🎟️It's game on! Get your ticket for Total Money Makeover Weekend.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign up for EveryDollar today - Create a free Budget Rachel Cruze & George Kamel answer your questions and discuss: "I became a millionaire and now my family keeps asking me for money," "My mom opened a credit card in my sister's name," All about high-yield savings accounts, "How much truck can I afford?" "Should we move to a cheaper neighborhood?" Dealing with FOMO during the debt snowball. 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Support Our Sponsors: Christian Healthcare Ministries BetterHelp Zander Insurance Neighborly Next Steps 💰 What Is a High-Yield Savings Account and Do I Need One? 🎟️It's game on! Get your ticket for Total Money Makeover Weekend.  🏠 Find a Ramsey Trusted Real Estate Agent 📄 Need help with your taxes? See who we trust. Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign up for EveryDollar today - Create a free Budget! Ken Coleman & Rachel Cruze answer your questions and discuss: How to decide if you should take a pay cut to spend more time with family. The real risks of taking out a HELOC to build another home. The reality of fighting through shame to gain financial freedom. Why working two full-time remote jobs is more exhausting than beneficial. The best ways to navigate life after medical emergencies. 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Support Our Sponsors: Zander Insurance Churchill Mortgage The Chosen BetterHelp Neighborly Next Steps 👍 Help us make the show better! Please fill out this quick survey! 📄 Need help with your taxes? See who we trust. 🎟️It's game on! Get your ticket for Total Money Makeover Weekend.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign up for EveryDollar today - Create a free Budget! Jade Warshaw & Ken Coleman answer your questions and discuss: "How do I pay off these student loans?" "How can I increase my income?" "How can I pay off debt and build my savings?" "How do I deal with incompetent coworkers?" "How much car can I afford to buy?" "Am I throwing away money by renting?" 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Support Our Sponsors: USCCA NetSuite Churchill Mortgage Zander Insurance Neighborly Next Steps 👍 Help us make the show better! Please fill out this quick survey! 📄 Need help with your taxes? See who we trust. 🎟️It's game on! Get your ticket for Total Money Makeover Weekend.  🏠 Find a Ramsey Trusted Real Estate Agent Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign up for EveryDollar today - Create a free Budget! George Kamel & Jade Warshaw answer your questions and discuss: "Should I finance a $46k car when I make $42k a year?" Tacky or Hacky: are these legit ways to save money at restaurants? "How should I use my tax return?" "Should I ask my family to buy me a house?" Do these 3 things to set yourself up for retirement. 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Support Our Sponsors: The Chosen Zander Insurance BetterHelp USCCA Neighborly Next Steps 👍 Help us make the show better! Please fill out this quick survey! 🎟️It's game on! Get your ticket for Total Money Makeover Weekend.  📄Need help with your taxes? See who we trust. File Your Taxes The Ramsey Way Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign up for EveryDollar today - Create a free Budget! Jade Warshaw & Rachel Cruze answer your questions and discuss: "I feel stuck in a problem I didn't cause," Why you should never try to time the market, 5 reasons to get ANY job (not just wait for your dream job), Why you should think twice before pulling money out of your 401(k) for a hardship withdrawal, "Am I being too financially judgmental about the people I date?" 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Support Our Sponsors: USCCA The Chosen BetterHelp Zander Insurance Neighborly Next Steps Why You Shouldn’t Withdraw From Your Retirement to Pay Off Debt 👍 Help us make the show better! Please fill out this quick survey! 🏠 Find a Ramsey Trusted Real Estate Agent 🎟️ It's game on! Get your ticket for Total Money Makeover Weekend.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign up for EveryDollar today - Create a free Budget! Dr. John Delony & Ken Coleman answer your questions and discuss: "How can I get my wife to come to the table to budget with me?" "I lost a bet so I have to call the show..." "How do I get my husband to take the lead?" "I feel like I'm worth more than I'm being paid," "Am I able to retire?" 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Support Our Sponsors: Churchill Mortgage BetterHelp Zander Insurance The Chosen Neighborly Next Steps 👍 Help us make the show better! Please fill out this quick survey! 🎟️ It's game on! Get your ticket for Total Money Makeover Weekend  🏠 Find a Ramsey Trusted Real Estate Agent Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign up for EveryDollar today - Create a free Budget! Rachel Cruze & George Kamel answer your questions and discuss: "My wife gets mad when I bring up budgeting," "My husband wants to finance a $90K truck," Getting rid of a $347k HELOC, "My ex-boyfriend left me with an RV payment I can't afford," (why you can't be generous with money you don't have, The ultimate mortgage hack, "Can I use my emergency fund to buy a newer car?" 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Support Our Sponsors: BetterHelp Zander Insurance NetSuite USCCA Neighborly Next Steps 👍 Help us make the show better! Please fill out this quick survey! 🎟️ It's game on! Get your ticket for Total Money Makeover Weekend  ☂️ Protect yourself with the right coverage—take our coverage quiz! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign up for EveryDollar today - Create a free Budget! Jade Warshaw & George Kamel answer your questions and discuss: "Should I keep renting or buy a house?" What you need to know about taxes in 2024, Getting out of an upside-down vehicle, What are the 7 Baby Steps? When parents guilt trip their kids over money, Why you have to drop your excuses and embrace the suck, or else be satisfied with your current state. 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Support Our Sponsors: Zander Insurance Eight Sleep The Chosen BetterHelp Neighborly Next Steps Tax Season 2024: What You Need to Know (and Looking Ahead to 2025) 👍Help us make the show better! Please fill out this quick survey! 🎟️ It's game on! Get your ticket for Total Money Makeover Weekend.  🏠 Find a Ramsey Trusted Real Estate Agent Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Jade Warshaw & Ken Coleman answer your questions and discuss: "I'm worried about using savings to pay off debt," "Is the stability of a full-time job worth a pay cut?" Why increasing your income is key to paying off debt and building wealth, "What's the best way to use extra income?" 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Support Our Sponsors: NetSuite Christian Healthcare Ministries Zander Insurance Churchill Mortgage Neighborly Next Steps 👍 Help us make the show better! Please fill out this quick survey! 🎟️ It's game on! Get your ticket for Total Money Makeover Weekend.  📈 For help with investing, get connected with a SmartVestor Pro.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! George Kamel & Jade Warshaw answer your questions and discuss: "Convince me why I should pay off my debt instead of keeping money in a high-yield savings account," The best ways to get out of a poverty mindset, "My in-laws want to "help us" buy a house," George and Jade layout some great side-hustle ideas, "Can I afford to buy a boat?" 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Support Our Sponsors: Zander Insurance The Chosen BetterHelp NetSuite Neighborly Next Steps Insurance Score: How Insurance Providers Use Your Credit Score, 🎟️It's game on! Get your ticket for Total Money Makeover Weekend.  🏠 Find a Ramsey Trusted Real Estate Agent Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Jade Warshaw & Ken Coleman answer your questions and discuss: "Should I pay off my house?" "Is it greedy to have a monthly income goal?" "Which debt should I pay off first?" Why you can't blame your way to a better life, "I've got a pile of debt and don't know what to do," "What's the best way to build wealth?" 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Support Our Sponsors: Zander Insurance BetterHelp USCCA Neighborly Next Steps 👍 Help us make the show better! Please fill out this quick survey! 🎟️It's game on! Get your ticket for Total Money Makeover Weekend.  📄 Need help with your taxes? See who we trust. Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Jade Warshaw & George Kamel answer your questions and discuss: "I'm tired of buying used cars; can I buy a new one?" 5 tax myths for tax season, "I don't know what to do with my money," "I'm getting killed by the interest on my debt," "We're not on the same page about money" 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Support Our Sponsors: Christian Healthcare Ministries The Chosen Zander Insurance Churchill Mortgage Neighborly Next Steps 👍 Help us make the show better! Please fill out this quick survey! 🎟️ It's game on! Get your ticket for Total Money Makeover Weekend.  📄 Need help with your taxes? See who we trust. Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! George Kamel & Ken Coleman answer your questions and discuss: Dealing with crappy HOAs, "I'm afraid to stop living a beans and rice lifestyle even though I'm financially secure," "I feel like I'm fighting a losing battle," "What do I do with an old 401(k)?" read more: 401(k) Rollovers: Everything You Need to Know, "How can I get rid of these student loans?" 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Support Our Sponsors: BetterHelp USCCA NetSuite Zander Insurance Neighborly Next Steps 🎟️It's game on! Get your ticket for Total Money Makeover Weekend.  📈 For help with investing, get connected with a SmartVestor Pro.  Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Dr. John Delony answer your questions and discuss: "I'm afraid to talk to my family about money," "My wife feels like she owes me money," "I need some financial direction," "My son is unemployed and is losing his home," "Can I get Dave's blessing to buy a new expensive car?" "Should I work for less pay if it's more fulfilling?" "Can I build wealth on a tight budget?" 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Support Our Sponsors: Zander Insurance Churchill Mortgage The Chosen BetterHelp Neighborly Next Steps 🎟️It's game on! Get your ticket for Total Money Makeover Weekend.  📄Need help with your taxes? See who we trust. Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

🚨 Exclusive Livestream Offer 🚨 Get EveryDollar for $64.99 or Ramsey+ for $99.99: https://everydollar.com/start At the Break the Cycle livestream, our experts will break down what’s really keeping you stuck with your money—and the simple changes you can make to get unstuck. If you commit, 2024 can be the year you feel confident in your finances and start making real progress with your money.   Listen to more from Ramsey Network: 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈EntreLeadership

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! George Kamel & Ken Coleman answer your questions and discuss: "Convince me to cut up my credit card..." "It seems like we can never catch up and save," "How much house can I afford?" "How do I know if I'm being paid fairly?" 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Support Our Sponsors: Zander Insurance BetterHelp USCCA The Chosen Neighborly Next Steps 💡Keep your employees happy, hired, and thriving with SmartDollar. 🎟️It's game on! Get your ticket for Total Money Makeover Weekend.  ☂️Protect yourself with the right coverage—take our coverage quiz! Listen to more from Ramsey Network 🎙️ The Ramsey Show   🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & Jade Warshaw answer your questions and discuss: "Should I pay off my investment property or buy another?" "Will we ever be able to get a house?" "My girlfriend is going to take on $250k of debt," "My bills are more than my income," "I feel aimless with my money, what should I do?" 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Support Our Sponsors: The Chosen Zander Insurance BetterHelp NetSuite Neighborly Next Steps 🎟️It's game on! Get your ticket for Total Money Makeover Weekend.  ☂️Protect yourself with the right coverage—take our coverage quiz! Explore More Shows from Ramsey Network: 🎙️ The Ramsey Show 🍸 Smart Money Happy Hour 💡 The Rachel Cruze Show 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💰 George Kamel 💼 The Ken Coleman Show 📈 EntreLeadership Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

💵 Sign-up for EveryDollar today - The simplest way to budget for your life! Dave Ramsey & George Kamel answer your questions and discuss: "What kind of car can I afford?" "How do I manage a $1 million inheritance?" "Is it too late to save for retirement?" Dave sums up the Ramsey Plan, Dave and George talk to millionaires about how they built their wealth in another Baby Steps Millionaire Theme Hour. 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! Support Our Sponsors: The Chosen Zander Insurance BetterHelp NetSuite Neighborly Next Steps ☂️Protect yourself with the right coverage—take our coverage quiz! 🏠 Find a Ramsey Trusted Real Estate Agent 🎧 Listen to all The Ramsey Network podcasts: Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & George Kamel answer your questions and discuss: "What's the best way to build a home?" "How do I tell my boss that I'm leaving?" "What's the best way to combine finances?" "My husband is reluctant to do the Baby Steps," "Should I save or invest most of my income?" "I bought a house with my ex-fiancee," "Should I move back in with my parents?" "Should we focus on paying off our home?" "Can we afford to spend $110K on an RV?" "How can I build a stable financial future?" "My debt is stressing me out," "Should we be investing while paying off debt?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Churchill Mortgage The Chosen Zander Insurance Christian Healthcare Ministries Neighborly Find a Ramsey Trusted Real Estate Agent: Click Here Protect yourself with the right coverage—take our coverage quiz! Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Ken Coleman answer your questions and discuss: "My mentor is mad that I didn't invest with him," "What's the best way to pay off my debt?" "Should I pay off my house with my IRA?" "Should we move closer to my work?" "How do I ask for a raise increase?" "I feel stuck in my job," "Can I buy a house without credit or in cash?" "Should I sell my real estate investments?" "We're upside down on our cars," "Should I change careers?" "How do I talk to my foster son about money?" "Should I roll over my IRA?" "Should I look for a new job?" "How do I negotiate my work compensation?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Eight Sleep USCCA BetterHelp Zander Insurance Neighborly Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke! Find a Ramsey Trusted Real Estate Agent: Click Here Protect yourself with the right coverage—take our coverage quiz! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

George Kamel & Dr. John Delony answer your questions and discuss: How to talk to friends when they're struggling with finances, Why you should never keep debt even if it's a low interest rate, read more: Pay Off Debt or Save for the Future? "I just discovered we're living paycheck to paycheck on my husband's six figure salary - what should I do?" read more: Money and Marriage: 7 Tips for a Healthy Relationship "How to balance work, paying off debt, and life with a new baby," "How do I pay bills without an income?" "Should I quit my job to work on my business?" "My dad is hopeless, how can I help him?" "Should I wait for student loan forgiveness?" "How do I stop spending money on dumb things?" "Can we afford to buy a house?" "The best way to pay extra on a mortgage," "Getting out of a poverty mindset" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Christian Healthcare Ministries The Chosen BetterHelp Zander Insurance Neighborly Find a Ramsey Trusted Real Estate Agent: Click Here Protect yourself with the right coverage—take our coverage quiz! The simplest way to budget for your life: EveryDollar Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss: "I'm $400k in debt...what do I do next?" "How can I avoid student loans?" "How can I encourage others to get out of debt?" "I'm worried that my help has been a waste," "How can I buy a car while paying off debt?" "Starting over after a divorce," "Do I need life insurance if I have no income?" "Should I move out on my own?" "Should I sell my business?" "Paying off debt while in college," "How should we set up our estate plan?" "Should I quit my job to be a stay-at-home mom?" "I don't know how to move forward financially," Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Zander Insurance BetterHelp NetSuite Neighborly Find a Ramsey Trusted Real Estate Agent: Click Here Protect yourself with the right coverage—take our coverage quiz! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Rachel Cruze answer your questions and discuss: "My father-in-law is trying to sell us whole life insurance," "My husband has an underpaying job and thinks our money is my responsibility," "Is it okay for my grandma to give me $30K and not the rest of my family?" "Should I invest more or pay off my house?" "Is there any hope for my finances?" "Am I hurting my family's financial future?" "Should we wait for student loan forgiveness?" "Is a CD the safest place for an investment?" "Should we sell before our yard is taken?" "How do we navigate combining finances?" "Should we lower our tithe?" "Should I sell my rental property?" "What's the fastest way to pay off a vehicle?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: USCCA Zander Insurance The Chosen Churchill Mortgage Neighborly Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke! Find a Ramsey Trusted Real Estate Agent: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & George Kamel answer your questions and discuss: "How can we best bless our kids?" "Should we sell our home when we move?" "How should we handle estate planning?" "How do I prepare to buy a house?" "Covering medical bills while paying off debt," The difference between gross and net income, "Can we afford to buy a house?" "How much should we be spending?" "What tax deductions should I look for?" "How do we clean up our financial mess?" "How can I sell my car?" "What should we do with extra money?" "How should we use a life insurance payout?" "Sell our house and move to pay off debt?" "How can I best help my mom?" Why you should ride the investing rollercoaster. Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: USCCA Zander Insurance The Chosen Churchill Mortgage Neighborly Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke! Find a Ramsey Trusted Real Estate Agent: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & George Kamel answer your questions and discuss: "My husband's crazy ex-wife is trying to steal our money," "How do I budget and build wealth?" "Should we take out a HELOC to buy a vacation home?" "Does this pass the 'burn on the floor' test?" "Can I invest while saving my emergency fund?" "I'm 63 and don't know how to retire," "Should we cash out a whole-life policy?" "Pay off debt or keep saving for school?" "Should I invest or save for home repairs?" "Should we cash out my wife's retirement?" "My husband's side hustle doesn't make money," "I'm $45,000 in debt, what can I do?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: The Chosen Zander Insurance Churchill Mortgage BetterHelp Neighborly Find a Ramsey Trusted Real Estate Agent: Click Here Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

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  A Proven Plan for Financial Success | RamseySolutions.com

Jade Warshaw & Rachel Cruze answer your questions and discuss: Going back to school while paying off debt, Getting on the same page with a significant other, "In dating, when do you discuss 'non-negotiables'?" "What should I do after getting a pay raise?" "How can I invest while in college?" "Am I paying off my mom's debt the right way?" What salary is considered "middle class"? "Should we sell our rental properties?" "What should I do as a recent college grad?" "Should I take out a 0% interest loan?" "Should we buy a house?" "Where should we be saving for a house?" "Invest or pay off our home before having kids?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: USCCA BetterHelp Zander Insurance Neighborly Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Ken Coleman answer your questions and discuss: "Where should we be saving after selling a house?" "Should we continue working for family?" "Should I repair or replace my totaled car?" "How do we start a business without debt?" What it means that mortgage rates are dropping, "How do I build wealth as a teacher?" "I feel discouraged about money," "What's the best way to become a pilot?" "Saving for a ring while paying off debt," "What is considered a 'good income'?" "How much house can we afford?" "I don't want to be a sugar mama," "How do I pick the right career?" "Struggling with spending after paying off debt" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Churchill Mortgage Zander Insurance BetterHelp Neighborly Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Dr. John Delony answer your questions and discuss: "I'm being sued by a credit card company," "Should we pay off student loans first or buy a house?" "Pull from stocks to pay off our house?" "Should I lie to my entitled mother about money?" "Should I pay my dad's parent plus loan?" "Should I use savings to pay off my truck?" "Go back to school if we still have debt?" "My wife struggles with my career as a firefighter," Dave's advice around prenups, "Should my parents set up a trust or a will?" "How can I get rid of my car?" "Convincing my daughter to pay cash for college," "Should I leave my marriage? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: NetSuite BetterHelp Zander Insurance Neighborly Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & George Kamel answer your questions and discuss: Setting goals that actually work, "How do we stop living paycheck to paycheck making $130k a year?" "How should I plan to buy a house?" read more: First-Time Home Buyer’s Complete Guide, "Should we wait for student loan forgiveness?" "How can I ditch my universal life policy?" "Should we buy a failed business?" "How can I talk to my husband about money?" "My parents are in financial ruin," "How can I pay off debt with 90% interest?" "Do your parents' debts pass on to you?" "What's the best way to invest $200K?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Churchill Mortgage Zander Insurance BetterHelp Neighborly Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke! Need help with your taxes? See who we trust: Click Here Protect yourself with the right coverage—take our coverage quiz! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Ken Coleman answer your questions and discuss: "Should we sell our house to buy another one?" "Should I buy my wife a new car?" "My health insurance is $1500/month," "I'm a pastor, how can I increase my income?" "Should I buy a $1m House" "Pay off my house or focus on retirement?" "How do I buy a house without credit?" "Creating a budget for inconsistent income?" "We loaned our son money that he won't pay back," "Should I tithe if I don't attend the church?" "I'm having a moral conflict with my career," "Save extra in case my 529 runs out?" "How do I discern if my new job is good or not?" "Should we focus on finding good interest rates?" "What should I do with an inheritance?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: BetterHelp USCCA NetSuite Zander Neighborly Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & George Kamel answer your questions and discuss: "I'm 22 years old, how do I start investing?" "Should I pay off my ex-husband's house?" "Should I invest more than 15%?" "Should we use savings to pay off the house?" "Marriage is falling apart, wife is crazy spending," "What should I do with an annuity my dad left?" "Ex-wife wants a one-time alimony payment" "Should I get a career starter loan from the navy?" "What should I do with my old 401(k)?" "We're having trouble keeping a budget," "When do you have to pay capital gains tax?" "How do I save money left from scholarships?" "Trying to decide between two jobs." Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: BetterHelp Zander Insurance Balance of Nature USCCA Neighborly Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke! Join the Crusade at Ramsey Solutions! Apply Now! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & George Kamel answer your questions and discuss: "We disagree on how much to save for a house," "How do I save for retirement at my age?" "What should I do after going through divorce?" "How do I start building long-term wealth?" "How should I enjoy wealth as a pastor?" "Should I pay off medical bills or cars?" "Should I mortgage my rental properties?" "How do I prepare for upcoming expenses?" "Should I be concerned about de-dollarization?" Baby Steps Millionaire Theme Hour. Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Zander Insurance Balance of Nature Christian Healthcare Ministries BetterHelp Neighborly Join the Crusade at Ramsey Solutions! Apply Now! Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss: "Take advantage of credit card points?" "How to prepare for a job loss?" "Should I change companies for a raise?" "How do I set boundaries with my parents?" "How do I navigate a family tragedy?" What happens to your brain when you experience trauma, "How can I help my son with his medical debt?" "Should we refinance our mortgage?" Trying to sell a camper to family, "Buy a new car or pay off my house?" "401(k) loan to pay off a reverse mortgage?" "Pull from a brokerage account to pay off debt?" "Buy a second home to be near my boyfriend?" "Get a job that pays more if it requires a new car?" "How do I stop living below the poverty line?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: USCCA Zander Insurance BetterHelp Churchill Mortgage Neighborly Protect yourself with the right coverage—take our coverage quiz! Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke! For help with investing, get connected with a SmartVestor Pro: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Dr. John Delony answer your questions and discuss: "I'm running out of money to fight for custody," "Should I wait to pay off my house?" "Making wise plans for our future family," "Am I on Baby Step 2 or Baby Step 7?" "How soon should we pay off our mortgage?" "How do you explain paying off a home with a low monthly payment/balance?" "We are scared to go into debt for a house" "Should we update our house even if we move later?" "I owe over $200K in student debt, what do I do?" "How can I help my mother with her spending?" "How do I get out of my 19% interest car loan?" "How do I access funds in retirement?" "Should I downsize now that the kids are gone?" "Am I too old to take out a student loan?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Churchill Mortgage BetterHelp Zander Insurance Balance of Nature Neighborly Need help with your taxes? See who we trust. Protect yourself with the right coverage—take our coverage quiz! Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Merry Christmas! We hope you enjoy this special replay episode of our Annual Giving Show from last year. If you missed this year's Giving Show on December 18th, it was a special one; make sure you go back and listen to it. Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsor: Neighborly Need help with your taxes? See who we trust. Protect yourself with the right coverage—take our coverage quiz! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Jade Warshaw & Ken Coleman answer your questions and discuss: "Should I refinance my student loans?" "Am I being too intense?" "Should we give money in Baby Step 2?" "How do I handle a loan with my ex-husband?" "Should I quit my day job?" "How do I start paying off my credit cards?" "How can we cash flow a baby?" Buying a house while paying off debt, "I owe my sister $20,000," Jade shares party budgeting tips for Christmas, "What should I do after paying off debt?" "Should I sell my car?" "How do I pay off debt & build wealth?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Zander Insurance Churchill Mortgage BetterHelp Balance of Nature Neighborly For help with investing, get connected with a SmartVestor Pro: Click Here Protect yourself with the right coverage—take our coverage quiz! Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss: "Should we sell our house?" "I don't want to wait to start investing," "Should we buy a smaller house?" "How can I get out of debt?" "My ex-wife isn't contributing to our kids' education," "Should I pay off my fiance's debt?" "Should I wait to sell my car?" "How do I navigate life without credit?" "Should I take out a HELOC to do a remodel?" "What should I do with my whole life insurance policy?" "My husband wants to buy a new side-by-side," "My student loans are going into collections," "Financially preparing for divorce," "Should I buy a Camaro?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Balance of Nature BetterHelp Zander Insurance Neighborly Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke! Need help with your taxes? See who we trust: Click Here Protect yourself with the right coverage—take our coverage quiz! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Ken Coleman answer your questions and discuss: "My in-laws are trying guilt us into letting my brother-in-law move in with us..." "How should I use a large inheritance?" "Where should I invest while saving for a home?" "Can we afford to buy a house?" read more: How Much House Can I Afford? "Should I take out a loan for online courses?" "Can we get rid of our term life insurance?" "How do we finalize the paying off of our house?" "Should I pull from stocks to pay off debt?" "Should I live in a mobile home to save money?" "I have an 'income for life' rider on my annuity," "How do I guide my son in this crazy job market?" "Should I give my 18-year-old a house?" "Should I quit my job?" "Should we sell our house when we move?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: BetterHelp Zander Insurance USCCA Neighborly Protect yourself with the right coverage—take our coverage quiz! Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke! For help with investing, get connected with a SmartVestor Pro: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss: A young widow that lost confidence her managing her finances after her husbands passing, learn more: EveryDollar.com How to prepare to buy a home when getting married, A Debt Free Scream from a couple that almost didn't get married because of the amount of debt they had, A caller that didn't know if he should sell his rental properties to improve his cashflow, read more: How to Invest in Real Estate A wife who discovered her husband had 22 credit cards he had hidden from her, "Are tax-relief companies legitimate?", learn more: RamseySolutions.com/TaxPro Homesteading is a great idea but you should never do it for the tax benefits, Why you should never do a land contract, What to do when your debt is more than your annual income, read more: How the Debt Snowball Method Works How to prepare to buy a house, read more: How to Buy a House in 2023 A Debt Free Scream from a couple that battled infertility issues while tackling their debt, Why you should never have a company credit card with American Express, The reasons you don't need a credit score to succeed in life. read more: Living Without a Credit Score Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Christian Healthcare Ministries Balance of Nature Zander Insurance Neighborly Need help with your taxes? See who we trust: Click Here Protect yourself with the right coverage—take our coverage quiz! Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey, George Kamel, and Jade Warshaw hear your stories of outrageous generosity. It's one of our favorite shows of the year, you don't want to miss it! Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: USCCA Zander Insurance Churchill Mortgage BetterHelp Neighborly Need help with your taxes? See who we trust: Click Here Protect yourself with the right coverage—take our coverage quiz! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

George Kamel & Ken Coleman answer your questions and discuss: How to find a new vehicle for an affordable price after a total loss, read more: 10 Car Buying Tips What to know before hiring a financial planner, Find your very own SmartVestor Pro today The best uses for the profits of selling real estate, Why mortgage rates are dropping and how the market affects them, read more: RamseySolutions.com/Agent How to decide if you should move closer to work if it will increase your rent, What you should considering selling when tackling your debt, A caller that told us she's pregnant and overwhelmed by debt, Why student loans are not the answer to increase your income, Why you shouldn't do all the Baby Steps at one time, read more: The 7 Baby Steps How to determine if you can afford to go from a dual to single income so one of the parents can stay home with the kids, How to pay off debt when trying to make a career change, A caller who's in-laws took out $15,000 of student loans in their daughters name, Why you should never pull from your 401k to pay off debt, A 15-year-old caller that's made $25,000 flipping dirt bikes and wants to know the best way to save, How to balance being frugal and spending to take care of a child's health needs. Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Churchill Mortgage Zander Insurance Christian Healthcare Ministries BetterHelp Neighborly You could WIN $5,000! Enter the Ramsey Christmas Cash Giveaway today! Need help with your taxes? See who we trust: Click Here For help with investing, get connected with a SmartVestor Pro: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Jade Warshaw & Ken Coleman answer your questions and discuss: "Should we travel out of the country for a wedding while paying off debt?" "How do we restart the Baby Steps?" "Is it okay to take out a mortgage?" "Can I get a college degree without debt?" The "American Nightmare" created by the US's obsession with debt, "How can I know my value in the job market?" "Would it be smart to buy a $65K car?" "How can I get my finances under control?" "Should I sell my house to pay off debt?" "How should I go back to school?" "Budgeting while in a high cost-of-living area," "How do I prepare for a potential strike?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Balance of Nature USCCA Zander Insurance Neighborly Start your EveryDollar Free Account today: Click Here You could WIN $5,000! Enter the Ramsey Christmas Cash Giveaway today! Need help with your taxes? See who we trust: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Dr. John Delony answer your questions and discuss: "My husband doesn't help with our bills," "I just took out my first student loan," "Should I borrow $1.2M to buy a small business?" "How do I prepare to move out?" Why most of your poor financial decisions start with you, "Cash out my profit sharing to pay off debt?" "How can I buy a car with bad credit? "My spouse's spending is crippling our finances," "My tax professional filed my taxes wrong," Dealing with collectors, "Can we afford to buy a house?" "My mom has had a whole life policy since 1996," "How do we buy our first rental property?" "Am I eligible for manual underwriting?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Zander Insurance Balance of Nature BetterHelp Neighborly Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke! Start your EveryDollar Free Account today: Click Here You could WIN $5,000! Enter the Ramsey Christmas Cash Giveaway today! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Ken Coleman answer your questions and discuss: "I'm making $150k at my side hustle...can I quit my job?" read more: How to Take Your Side Hustle Full Time, "What should my goals be in Baby Steps 4-6?" "How much house should we buy?" "I haven't filed taxes since 2020..." read more: Tax Debt Relief: How to Handle Back Taxes, "How do I use this inheritance?" "Is now a good time to start my own business?" "How do I prepare to get fired?" "My store is on the brink of bankruptcy..." "My wife wants to pay off the higher balance debt first," "How do I pay off my home while trying to retire?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: USCCA BetterHelp Churchill Mortgage Zander Insurance Neighborly You could WIN $5,000! Enter the Ramsey Christmas Cash Giveaway today! Find a Ramsey Trusted Real Estate Agent: Click Here Start your EveryDollar Free Account today: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & George Kamel answer your questions and discuss: "My wife doesn't think we can afford to retire," "How do I start paying off debt?" "Should I wait for interest rates to come down?" "My boyfriend wants us to buy a house in cash," "Is it possible to eliminate the national debt?" "How can I best guide my mom & sister?" "I got scammed by my dad," "What should I do with income from my rental?" Following up with a previous caller (Sarah from Nashville), "I'm lost on how to manage my money" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: BetterHelp Zander Insurance Balance of Nature DreamCloud Neighborly Start your EveryDollar Free Account today: Click Here Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke! Find a Ramsey Trusted Real Estate Agent: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

George Kamel & Dr. John Delony answer your questions and discuss: Dealing with an online gambling addiction, Budgeting for therapy, Sacrificing to pay off over $200k in student loans, Moving forward after debt, divorce and job loss, "I lied to my girlfriend about my debt," Cancelling insurance to pay off debt, What debts to pay off first Where to start when you owe over $400k in debt, "My debt is keeping us from owning a house" "I feel so constrained by our budget this Christmas" "Bankruptcy is not the solution to your problem" "How do I keep myself from spoiling my kids" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: USCCA Balance of Nature BetterHelp Zander Insurance Neighborly You could WIN $5,000! Enter the Ramsey Christmas Cash Giveaway today! Find a Ramsey Trusted Real Estate Agent: Click Here Start your EveryDollar Free Account today: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Rachel Cruze & Ken Coleman answer your questions and discuss: Letting go of past financial mistakes, "My husband doesn't want me to stay at home," "We feel guilty spending our money," "I barely make any money, what can I do?" "Should I take out more loans to continue my education?" "How do I talk to my parents about money?" Money lessons from Christmas movies, "Paying off debt while unemployed," "Should we sell our house when we move?" "Should I tell my boss that I'm looking for a new job," "Did we buy too much home?" "Take out student loans to start a business?" "Is our childcare cost too high?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: DreamCloud Churchill Mortgage Zander Insurance BetterHelp Neighborly Start your EveryDollar Free Account today: Click Here You could WIN $5,000! Enter the Ramsey Christmas Cash Giveaway today! Find a Ramsey Trusted Real Estate Agent: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

George Kamel & Dr. John Delony answer your questions and discuss: How to start managing investments after a loved one passes, read more: Questions to Ask a Financial Advisor at Your First Meeting What to do when a job requires you to have a credit score, George's book: Breaking Free From Broke How to get started flipping houses,  read more: How to Flip a House "Should I buy a Tesla for the tax credits?" read more: What are Tax Credits? How to know if you should sell your house to get out of debt, How to go back school without debt when living paycheck to paycheck, A caller financed 3 vehicles to start a rental car business and ruined their finances, The biggest excuses George hears about cars, read now: How to Buy a Used Car Right Now "How do I stay within my budget?" "I'm underwater on my car and can't get a loan," "How can I help my daughter deal with collectors?" "Should I buy a house while still in debt?" "Pull from my 401(k) to pay off the IRS?" "Is now a good time to buy a house?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: BetterHelp Zander Insurance Balance of Nature Neighborly Find a Ramsey Trusted Real Estate Agent: Click Here Start your EveryDollar Free Account today: Click Here You could WIN $5,000! Enter the Ramsey Christmas Cash Giveaway today!  Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Rachel Cruze & Dr. John Delony answer your questions and discuss: "Should we buy long-term care insurance?" "How do we deal with a setback in our budget?" "Should we wait to move for a new job?" "When do I stop investing?" "I don't know where our money is going," "Can we pause investing to grow our business?" "Does it make sense for us to combine finances?" "How do we best leave real estate to our kids?" "Grieving a cancer diagnosis," "Paying off debt while still in school," "We aren't getting the promised solar tax breaks," "Should I use a debt consolidation loan?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Balance of Nature BetterHelp Zander Insurance Churchill Mortgage Neighborly Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke! Find a Ramsey Trusted Real Estate Agent: Click Here Start your EveryDollar Free Account today: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Ken Coleman & George Kamel answer your questions and discuss: "15% to retirement is too much for our budget," "How do I pay my bills after losing my job?" "What's the best way to combine finances?" "How do we get started investing without risk?" "What should I do with money from a lawsuit?" "We disagree about our rental property..." "Should I focus on pay or finding my calling?" "What's the best way to tackle my student loans?" "Should I sell my car?" "Should I buy rental property with my family?" "Does funding asbestos removal count as an emergency?" "Would it be smart to sell our house?" "How do I budget for unexpected issues?" "Should I buy my parents' house?" "What's my next step to find my dream job?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: BetterHelp Zander Insurance DreamCloud Balance of Nature Neighborly Start your EveryDollar Free Account today: Click Here Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke! Find a Ramsey Trusted Real Estate Agent: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Ken Coleman & Rachel Cruze answer your questions and discuss: Why combining money before you get married is a bad idea "Is my wife a princess for not wanting to work?" "Preparing to take on my girlfriend's debt?" "Am I being too stingy with vacations?" (Yes) "My lifestyle is completely unsustainable..." "Am I being irresponsible?" "Buy a home if it will double my housing cost?" "What should I do with my increased income?" "Can I use my emergency fund for daughter's quinceañera?" "How do I get ahead when my income is so low?" "Should I keep my whole life insurance?" "Should I move out of my parents' house?" "Sell rentals and primary to buy our dream home?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Balance of Nature DreamCloud Zander Insurance BetterHelp Neighborly Start your EveryDollar Free Account today: Click Here Cyber Monday Deals are here! Shop meaningful gifts for as low as $7 this week only!: Click Here Find a Ramsey Trusted Real Estate Agent: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Jade Warshaw & Rachel Cruze answer your questions and discuss: "Should I pull from my 401(k) to pay off debt?" "What's the best way to pay off my truck?" "How should I save money for the future?" "Can we afford to stay in our current apartment?" Living paycheck-to-paycheck, "How can we fix our finances?" "Scammers are after my father, what can I do?" "We hate the house we bought," "How do I start investing?" "Should we give Christmas gifts to teachers?" "Should we pay off our house before investing?" "Pay off debt before buying more rentals?" "Should I drop my car insurance?" "Pay off debt before buying more rentals?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Zander Insurance Balance of Nature BetterHelp USCCA Neighborly Protect yourself with the right coverage—Take our Coverage Quiz! Start your EveryDollar Free Account today: Click Here Cyber Monday Deals are here! Shop meaningful gifts for as low as $7 this week only!: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Rachel Cruze & Jade Warshaw answer your questions and discuss: "Should I take out a loan from a family member?" "Should I have more than $1000 in Baby Step 1," "My parents lost their business, how can I help?" "The real truth about Christmas gifts," "How should I save for a house?" Why it's sometimes hard to make wise money decisions "I'm scared to tithe while on Baby Step 2," "I'm not happy with our affordable vacations," "My husband is about to file bankruptcy" "Should I leave my job?" "How can I best pay off debt?" "Should we cash out investments to pay off debt?" "Should we move closer to family?" "I'm $42K in debt and just lost my job" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Churchill Mortgage Christian Healthcare Ministries NetSuite Zander Insurance Neighborly Cyber Monday Deals are here! Shop meaningful gifts for as low as $7 this week only! Click Here For help with investing, get connected with a SmartVestor Pro: Click Here  Protect yourself with the right coverage—Take our Coverage Quiz! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

George Kamel & Ken Coleman answer your questions and discuss: "I don't know what I want to do while grieving," "Pay minimum payments while saving for a house?" "Should I take a commission only job?" "How do I balance my faith with pursuing wealth?" "Pay off our house before starting to invest?" "Change our budget for my seasonal job?" "Take cash from my mom with strings attached?" "Take a lower paying job or wait for a better offer?" "I bought a house and found out the seller painted over mold," "Should I stop investing to pay off my loans?" "What is the safest way to invest with family?" "Should I talk to my spouse about money?" Dealing with a rude and difficult boss. Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: USCCA Zander Insurance DreamCloud BetterHelp Neighborly Cyber Monday Deals are here! Shop meaningful gifts for as low as $7 this week only! Click Here Start your EveryDollar Free Account today: Click Here Sponsor a school and change a student's financial future! Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dr. John Delony & George Kamel answer your questions and discuss: "Our 23-year-old stepson doesn't want to be an adult," "I'm afraid to use life insurance to pay off debt," "How do I pay off my debt faster?" "Rebuilding my life after divorce," "Can we afford to be generous?" "I don't trust myself with money," "Pay off debt before starting the Baby Steps?" "Should we sell our house when we move?" "What should I do with money in my bank?" "Should I propose with a ring from a past relationship?" "My dad gave us a house, what's our next step?" "Should I pay off my husband's debt?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: BetterHelp Churchill Mortgage Balance of Nature NetSuite Zander Insurance Neighborly Start your EveryDollar Free Account today: Click Here Cyber Monday Deals are here! Shop meaningful gifts for as low as $7 this week only!: Click Here For help with investing, get connected with a SmartVestor Pro: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

While the team is off for Thanksgiving break, we've curated this special episode with some of our favorite calls of the year. We hope you enjoy and we'll be back on Monday! Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: BetterHelp USCCA NetSuite Zander Insurance Neighborly The Black Friday Sale is here! Shop meaningful gifts for as low as $8 this week only! Click Here Start your EveryDollar Free Account today: Click Here Need help with your taxes? See who we trust: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

While the team is off for Thanksgiving break, we've curated this special episode with some of our favorite calls of the year. We hope you enjoy and we'll be back on Monday! Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Churchill Mortgage Zander Insurance Balance of Nature BetterHelp Neighborly Start your EveryDollar Free Account today: Click Here Protect yourself with the right coverage—Take our Coverage Quiz! The Black Friday Sale is here! Shop meaningful gifts for as low as $8 this week only! Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Jade Warshaw & Dr. John Delony answer your questions and discuss: "My husband's drinking is affecting our money," "I can't afford the minimum payments on my debt," "How an I help my wife understand we can't afford to travel to visit family?" "Is the 15% investing rule based on gross or net?" "My house payment is half my take-home pay," Preparing to manage money after college, Helping irresponsible family with money, "Should I buy a house with my brother?" "Should I pay my girlfriend's hospital bills?" "I'm having trouble finding a side hustle," "I am recovering from a gambling addiction," "Should I take out a loan to pay off my IRS debt?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: DreamCloud BetterHelp Zander Insurance Balance of Nature Neighborly The Black Friday Sale is here! Shop meaningful gifts for as low as $8 this week only!: Click Here Start your EveryDollar Free Account today: Click Here Protect yourself with the right coverage—Take our Coverage Quiz! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Rachel Cruze & Jade Warshaw answer your questions and discuss: "We have $200k in student loan debt," "Should I move back in with my parents?" "Should I get life insurance for my baby?" "Navigating social obligatons on a budget," "How can I save to pay cash for a house?" "How do I invest to create a passive income?" "Getting spouse on the same financial page," Dealing with a 9-to-5 schedule, "Should we move or pay off our home?" "Should I pay off my student loans or car first?" "What is the 25% rule for house payment?" "I am feeling overwhelmed about my finances..." "Is it okay to take out a small loan for a reliable car?" "My husband's truck is about to be repossessed" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Zander Insurance Balance of Nature BetterHelp Christian Healthcare Ministries Neighborly Start your EveryDollar Free Account today: Click Here The Black Friday Sale is here! Shop meaningful gifts for as low as $8 this week only!: Click Here Protect yourself with the right coverage—Take our Coverage Quiz! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Ken Coleman & Dr. John Delony answer your questions and discuss: "How can I help my parents without committing financial infidelity?" "Should we cash out our investments to pay off debt?" "My husband charges me rent and utilities," "How can I help my son pay for college?" "We got divorced to protect my wife from debt," "My dad offered to pay off our house" Why we work, "How much do I put towards my side business?" "Pay off truck or save money for the baby?" "I bought a house with my ex-girlfriend" "Should I sell my car to pay off student loans?" "Is $1K really enough for an emergency fund?" "What's the best way to make a career change?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: NetSuite Zander Insurance USCCA Churchill Mortgage DreamCloud Neighborly The Black Friday Sale is here! Shop meaningful gifts for as low as $8 this week only!: Click Here Start your EveryDollar Free Account today: Click Here For help with investing, get connected with a SmartVestor Pro: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Jade Warshaw & George Kamel answer your questions and discuss: "How do I manage my inventory?" "I'm struggling to pay off debt even though I have the money in savings," "We disagree on what to do with extra money," "Should we live in my mother-in-law's house?" "I was in a horrible hotel and can't get a refund," "How can I best help my grandma?" All about tipping culture, read more: How to Tip in All Situations, "Our neighbors smoke a lot of weed..." "My girlfriend's family sees me as just a dollar sign," "Is it still okay for me to retire early?" "How do I pay for school to change careers?" "Should we prepay college for our 2 kids?" "My husband is worried about missing our kids while working" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Zander Insurance BetterHelp DreamCloud Balance of Nature Neighborly Start your EveryDollar Free Account today: Click Here Protect yourself with the right coverage—Take our Coverage Quiz! Need help with your taxes? See who we trust: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Rachel Cruze & Dr. John Delony answer your questions and discuss: "My marriage doesn't look like I thought it would..." "Should I cash off my bitcoin to pay off my car?" "I'm tired of arguing with my husband," 15-year vs. 30-year mortgage, Paying for youth sports on a tight budget, "Should I pay off my car lease or student loans?" "What should we do after paying off our house?" How can I help my girlfriend tackle her debt? "Going through a tough divorce," "Pause the Baby Steps to prepare for a baby?" "How much should we spend on a vacation?" "My boyfriend doesn't want me to take a new job" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Christian Healthcare Ministries USCCA NetSuite Zander Insurance Neighborly For help with investing, get connected with a SmartVestor Pro: Click Here Protect yourself with the right coverage—Take our Coverage Quiz! Start your EveryDollar Free Account today: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Jade Warshaw & Ken Coleman answer your questions and discuss: "I'm feeling financially stuck," "How can I get rid of my car loans?" Report back from our Washington DC trip, "How can I turn $20K into passive income?" "Should I sign a six-year business lease?" "Our HOA is making changes we don't like" "Setting myself up for the future," "I feel broke because of my adult kids," "Should an emotional shopper stay out of malls?" "What should I do with money left over?" "How quickly should I pay off my house?" "How do I get out of the payday loan cycle?" "Keep paying out of pocket for school?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: USCCA Zander Insurance BetterHelp Churchill Mortgage Neighborly Start your EveryDollar Free Account Today: Click Here For help with investing, get connected with a SmartVestor Pro: Click Here  Protect yourself with the right coverage—take our coverage quiz! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Ken Coleman & Jade Warshaw answer your questions and discuss: "Should I move closer to my job?" "I'm in the military, should I buy or rent?" "How do I position myself to take my boss's role?" "Should I be on my parents' bank account?" "How do I make traction with my finances?" "Am I asking too much of my husband?" "Should I start looking for new clients?" "Tackling debt while expecting our first kid" "Should I take out student loans the VA will refund?" "Pay off student loans or PMI first?" "How do I adjust my life after husband's passing?" "How do you do Baby Steps 4-6 all at once?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Balance of Nature BetterHelp Churchill Mortgage Zander Insurance Neighborly Join the Crusade at Ramsey Solutions! Apply Now! Find a Ramsey Trusted Real Estate Agent: Click Here For help with investing, get connected with a SmartVestor Pro: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

George Kamel & Dr. John Delony answer your questions and discuss: "We make $300k and live paycheck-to-paycheck,"  "Will the US dollar become obsolete?" "How can I stay consistent with my budget?" "Our home is a money pit, what can I do?" "Pull from retirement to pay off our cars?" "My mother is running out of money," "Which debt should I pay first?" "When should I replace my vehicles?" "Should I pay off my Tesla?" "How do I prepare for retirement?" "How should I use an insurance payout?" "Should we sell our rental property?" "Should we sell a car to pay off debt?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: DreamCloud NetSuite Zander Insurance Balance of Nature BetterHelp Neighborly Need help with your taxes? See who we trust. Join the Crusade! Apply Now! Find a Ramsey Trusted Real Estate Agent: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Ken Coleman & George Kamel answer your questions and discuss: "I won $1m in the lottery and then lost it all," "I'm about to lose my job, what should I do?" "How do I deal with house fever?" "Should I sell my sports car?" "My grandfather is leaving me his business instead of my father," "Should I leave my family's business?" "Should I pay off a larger debt first?" "Use our savings to do a mortgage recast?" "I'm worried about pausing investing," "I feel like I'm drowning in debt," "Am I a lost cause?" "I have over $2000 in car payments..." "Use savings to invest or pay off our house?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: USCCA Zander Insurance Christian Healthcare Ministries BetterHelp Neighborly You could WIN $5,000! Enter the Ramsey Christmas Cash Giveaway today! Protect yourself with the right coverage—take our coverage quiz! Find a Ramsey Trusted Real Estate Agent: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Jade Warshaw & Rachel Cruze answer your questions and discuss:  "My mom doesn't want us to pay off our house" "Should I get a HELOC to pay off legal bills" "Do I keeping paying down debt while preparing to move" How long should I pause investing "Should I use my stocks to pay off debt"  "Did I make an irresponsible decision" Rachel Cruze & Ken Coleman answer your questions and discuss: "I bought a house with my family & I can no long afford it" "How do I get my wife on board" Avoiding lifestyle drift as your income goes up "Should I sell the house my father left me" "Buying a new car so I can drive for Uber" "Negotiating past due bills" "Should we use our savings to build a second home" "How do I negotiate a major settlement" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Zander Insurance BetterHelp Balance of Nature Churchill Mortgage Neighborly Find a Ramsey Trusted Real Estate Agent: Click Here You could WIN $5,000! Enter the Ramsey Christmas Cash Giveaway today! Protect yourself with the right coverage—take our coverage quiz! Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

George Kamel & Rachel Cruze answer your questions and discuss: "Should we put our mortgage in the debt snowball?" "How do we stop living paycheck to paycheck?" "Should I take on more debt to go to school?" "How do I make better money decisions?" Leaving the family business, "Should we buy a new car in Baby Step 6?" "I don't want to close my credit cards," "Should we buy a home while in the military?" "Are store specific debit cards OK to use?" "Should we sell our house?" "Is inflation really that bad?" "How do I budget with inconsistent pay?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: BetterHelp NetSuite Zander Insurance DreamCloud Neighborly Find a Ramsey Trusted Real Estate Agent: Click Here For help with investing, get connected with a SmartVestor Pro: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Rachel Cruze & Dr. John Delony answer your questions and discuss: "My wife is reluctant to attack her student loans," Debt is hurting my marriage, what should I do? Handling awkward money moments, "What should we do while in Baby Step 3b?" "My husband committed financial infidelity," "I'm $1.35M in debt..." "How do I get out of $70K of debt?" "Should I buy a house or invest?" "How do debt free screamers increase their income so much?" "Am I spending too much money?" "Should I pay off my student loans in full?" "What should my next steps be after losing my husband?" "I have $83K in debt and feel discouraged" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: NetSuite Zander Insurance DreamCloud Balance of Nature Neighborly Start your EveryDollar Free Account today: Click Here Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke! Find a Ramsey Trusted Real Estate Agent: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

George Kamel & Jade Warshaw answer your questions and discuss: "How can we pay off our debt quickly?" "Do I need long-term care insurance?" "How should I be investing?" "What should I do after getting an inheritance?" "Can I afford to remodel my kitchen?" Is debt consolidation a good idea? "Should I pull from retirement to buy land?" "I co-signed with my mom to buy a car..." "Skip a 401(k) match while paying off debt?" "Renew my lease if I may be getting married?" "I just got out of bankruptcy, what do I do?" "Pay for life insurance while paying off debt?" "I'm $314K in debt, what can I do?" "Would getting married help our business?" "Should I renovate a house or pay off my car?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Churchill Mortgage Balance of Nature BetterHelp USCCA Neighborly Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke! Start your EveryDollar Free Account today: Click Here Find a Ramsey Trusted Real Estate Agent: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

The Ramsey Show Listener Survey: Click here to be Entered to Win a $500 Gift Card!!! George Kamel & John Delony answer your questions and discuss: "Should we buy a new house" "What do we do with our upside down car" How do I get my spouse on board" Mint shutting down and we have a better option "Should I change careers to help pay off debt" "I'm a financial wreck" "Which loan do I pay off first" "How does manual underwriting work" "Should I use my savings to pay off my student loans" "How do we prepare for twins" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Today's Sponsors: Balance of Nature BetterHelp Churchill Mortgage Zander Insurance Neighborly You could WIN $5,000! Enter the Ramsey Christmas Cash Giveaway today! Enter to Win! Start your EveryDollar Free Account today: Click Here Find a Ramsey Trusted Real Estate Agent: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

The Ramsey Show Listener Survey: Click here to be Entered to Win a $500 Gift Card!!! Dave Ramsey & Rachel Cruze answer your questions and discuss: "Fixing my finances after a divorce and a car wreck," Mint shutting down, "How do we combine finances?" "Pay off my cars or buy a new house?" "Should I sell my stocks to avoid a market crash?" "Would it be better to file for bankruptcy?" "Pause investing to pay off our house?" "Use a HELOC to buy a new car?" "How do we prepare to buy a house?" "My wife wants to quit her job" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Today's Sponsors: DreamCloud Zander Insurance BetterHelp NetSuite Neighborly You could WIN $5,000! Enter the Ramsey Christmas Cash Giveaway today! Enter To Win! Start your EveryDollar Free Account today: Click Here Find a Ramsey Trusted Real Estate Agent: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

The Ramsey Show Listener Survey: Click here to be Entered to Win a $500 Gift Card!!! Dave Ramsey & George Kamel answer your questions and discuss: Get George's new book, Breaking Free From Broke, "How can I best take over my father's finances?" "Should I use the debt snowball or debt avalanche?" "Our car blew up and we can't afford to fix it..." "Should I get another degree?" "Pause the Baby Steps to save for a baby?" "I co-signed on a car with my boyfriend and it's underwater," "I have $127k in student loans making $23/hr," "Is it wrong to ask a financial advisor's net worth?" My broke father-in-law keeps buying us gifts" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Christian Healthcare Ministries USCCA Balance of Nature Zander Insurance Neighborly You could WIN $5,000! Enter the Ramsey Christmas Cash Giveaway today! Entering only takes a few seconds: Enter to Win Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke! Click Here Start your EveryDollar Free Account today: Click Here Find a Ramsey Trusted Real Estate Agent: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

The Ramsey Show Listener Survey: Click here to be Entered to Win a $500 Gift Card!!! Dave Ramsey & Jade Warshaw answer your questions and discuss: "My husband spent $14K on phone games..." "How much should we save before having kids?" How much Americans spend on Halloween, "How much should be in my emergency fund?" Why you should never lease a car, read more: How Does Leasing a Car Work? "My cousin is stealing from her 13-year-old son," "Get student loans for a higher paying career?" "Should I wait to buy a house?" "How can we keep each other motivated?" "How can we keep each other motivated?" "Save in the S&P500 or in CDs?" "Trade in our car while paying off debt?" "We can't afford our current expenses," "My dad wants me to help him buy a house," "How do we handle our finances as newlyweds?" "What's the best way for me to buy my first car?" "How do I get on track with the Baby Steps?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: BetterHelp Churchill Mortgage Zander Insurance USCCA Neighborly For help with investing, get connected with a SmartVestor Pro: Click Here Prep for open enrollment—take our coverage quiz!: Click Here Find a Ramsey Trusted Real Estate Agent: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Ken Coleman answer your questions and discuss: The Ramsey Show Listener Survey: Click here to be Entered to Win a $500 Gift Card!!! "Should I sell my investments to pay off debt?" "Should I buy a house with 3.5% down?" "How can I best pay off my debt?" "Should I file bankruptcy?" "Should I use savings to payoff my house?" "Am I committing career suicide?" "Pull from my Roth to pay off my HELOC?" "My business equipment is being held hostage," "Should I keep paying for my medical license?" "Save for a house while paying off debt?" "How can I feel okay about spending money?" "Can I afford a career change?" "Saving for retirement vs. starting a business" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Zander Insurance NetSuite DreamCloud Balance of Nature BetterHelp Neighborly For help with investing, get connected with a SmartVestor Pro: Click Here Prep for open enrollment—take our coverage quiz!: Click Here EveryDollar - Create your FREE account today! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

John Delony & Jade Warshaw answer your questions and discuss: How to make progress in your finances after having your first kid, Busting myths about having a 0 credit score, read more: Living Without a Credit Score What to do when you need to go to rehab but you can't afford it, How to know if you should repair your home or move somewhere new, What to do when your parents don't respect your boundaries around your wishes for your wedding, What to do when your family transitions to a single income when your wife has had a successful career, Why you shouldn't be sharing vehicles and homes with people that aren't your spouse, How to address generational expectations and set boundaries while preparing for your own future, Why it's so important to prioritize paying off debt for your financial future, read more: The Truth About Debt Dr. John Delony's new Questions for Humans conversations cards for Thanksgiving and Grandparents & Kids, from the store: Questions for Humans Conversation Cards What to do when you and your spouse don't agree about selling or repairing a vehicle, How to help grandparents that are being taken advantage of financially. Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: NetSuite BetterHelp Zander Insurance Balance of Nature Neighborly The Ramsey Show Listener Survey: Click here to be Entered to Win a $500 Gift Card!!! Prep for open enrollment—take our coverage quiz! Click Here Need help with your taxes? See who we trust. Click Here Join the Crusade at Ramsey Solutions! Apply Now! Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Ken Coleman & Jade Warshaw answer your questions and discuss: "How do I get on the same page as my husband?" "When can I afford to buy a house?" "Should I pause the Baby Steps after losing my job?" "Should I use savings to pay off debt?" "We went $32,000 over our wedding budget..." Trying to find a new career, "Can we upgrade to a better apartment?" Deep dive on Baby Steps 1-3, "Should I go into debt for an internship?" "Pull from stocks to pay off my car?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Zander Insurance Balance of Nature USCCA BetterHelp Neighborly The Ramsey Show Listener Survey: Click here to be Entered to Win a $500 Gift Card!!! Prep for open enrollment—take our coverage quiz! Click Here For help with investing, get connected with a SmartVestor Pro: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

George Kamel & Rachel Cruze answer your questions and discuss: Take out 401(k) loan to pay off my car? George and Rachel react to Ramsey's most-hated financial advice, "Should I use a VA loan?" "Sell our only car to get out of debt?" "How can I pay for college without student loans?" "Should we wait to buy property?" Getting back on track with the Baby Steps "We owe the IRS $150,000, what can we do?" "How should we manage our investments?" Buying a car while on Baby Step 2, "My wife wants to buy a $1500 baby stroller!" "Pay off our house or save for kid's college?" "How long should I pause retirement?" "My husband left us." Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Churchill Mortgage Zander Insurance BetterHelp DreamCloud Neighborly The Ramsey Show Listener Survey: Click here to be Entered to Win a $500 Gift Card!!! Prep for open enrollment—take our coverage quiz! Click Here For help with investing, get connected with a SmartVestor Pro: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss: How to deal with bills in collections, "Should we buy or rent when we get married?" "Is it dumb to take out a business loan?" "How can we get out of a financial rut?" "How do cashback debit cards work?" "Should I rent or buy after moving?" "How can I get out of $50,000 of debt?" "Should I keep my whole life insurance policies?" Rapid fire questions around Baby Steps 4, 5, and 6, Buying furniture vs paying down the mortgage. Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Balance of Nature Christian Healthcare Ministries DreamCloud Zander Insurance Neighborly The Ramsey Show Listener Survey: Click here to be Entered to Win a $500 Gift Card!!! Prep for open enrollment—take our coverage quiz! Click Here Need help with your taxes? See who we trust. Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Ken Coleman answer your questions and discuss: "Should I take out student loans for a coding boot camp?" Michael Easter on Scarcity Mindset, "Should I borrow from family to pay off my credit cards?" "Where should I be investing?" "I recently lost my job, what can I do?" "Should I pay extra on the house or invest more?" "Stay at my current job or go back to school?" "How can I transition to a new career?" "Should I buy a house or invest?" "I have 4 rentals and live paycheck-to-paycheck..." "My boss is preventing me from moving up," "How can we start giving while paying off debt?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: USCCA BetterHelp Zander Insurance NetSuite Churchill Mortgage Neighborly The Ramsey Show Listener Survey: Click here to be Entered to Win a $500 Gift Card!!! For help with investing, get connected with a SmartVestor Pro: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Jade Warshaw & George Kamel answer your questions and discuss: "Should we save to buy a house?" "How can I afford my minimum payments?" "I'm being asked to sell credit cards at my job," "Should we stop contributing to our 401(k)?" "Use a mutual fund for a house down payment?" "When will my credit score go away?" "My mom opened a credit card in my name," Discussion about the "Girl Math" trend, "Should we move into a bigger house?" "My daughter isn't paying her credit card off?" "Taking over a mortgage with my siblings," "Trade in our newer car for an older one?" "I drained our savings without my wife knowing," "Our home buyer came up short on their payment," "How can I move out of my parents' house?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: DreamCloud Churchill Mortgage BetterHelp Zander Insurance Neighborly EveryDollar - Create your FREE account today! For help with investing, get connected with a SmartVestor Pro: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss: "How do we prepare to buy a house?" "How can I get my husband to buckle down?" "I own property with my daughters and it's a mess..." "Should I invest or go back to school?" "My son asked me to bail him out of $200K tax debt. Should we?" "What should I do with my whole life insurance?" "Should I sell my car to get out of debt?" "My husband has a spending problem" The #1 reason for divorce, "Should we wait to buy a house?" "Can I afford to buy a car just for fun?" "Managing my mom's estate," "Sell my house to buy an investment property?" "Will starting a family slow down our progress?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Christian Healthcare Ministries NetSuite Zander Insurance Balance of Nature Neighborly EveryDollar - Create your FREE account today! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Ken Coleman answer your questions and discuss: We hear about how millionaires built wealth in a Baby Steps Millionaire Theme Hour, "How can I make my side gig my full-time job?" "Should we use savings to buy a house or pay off our car?" "What should my next step be while in college?" "How do I tell my current boss I'm leaving?" "Pull from mutual funds to pay off my house?" "What's the best way to save money for my kids?" "Should I apply for jobs I'm only halfway qualified for?" "My wife wants to do drop shipping on Amazon," "Go back to school for cyber security?" "How do we tackle our debt as a young couple?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Zander Insurance USCCA Balance of Nature BetterHelp Neighborly EveryDollar - Create your FREE account today! Find a Ramsey Trusted Real Estate Agent: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss: "How can I pay for my vacation property?" "I am drowning in credit card debt," How to handle debt collectors, read more: How to Deal With Debt Collectors When You Can’t Pay, "Should I buy hunting land?" "My expenses are higher than my income," "Can I buy a $1.5M house?" "How do we handle our finances in light of world events?" "When do I pay off my fiance's student debt?" "Should we elevate our lifestyle after an income increase?" "Do I need a credit score?" read more: The Best Way to Improve Your Credit Score, "How do I fund my business and personal expenses?" "How do we get financially prepared for a baby?" "Why should I give up my work match while paying debt?" "How do we save for non-recurring purchases?" "Do credit cards protect from fraud better than debit cards?" "Should we wait to get married to save for a house?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: BetterHelp Zander Insurance NetSuite USCCA Neighborly EveryDollar - Create your FREE account today! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & George Kamel answer your questions and discuss: "I have a baby on the way with no money," Prioritizing expenses when you're broke, "Should I finance boat and live in it?" "Should I change careers in Baby Step 2?" "How can we cash flow a new build?" "How do we have a wedding in Baby Step 2?" "Cash out my retirement to pay off debt?" "Invest for retirement or pay off the house?" "Should I invest as a stay-at-home mom?" "Should I make my kids pay off their own student loans?" "How do you plan for retirement at a young age?" "Should I buy my ex-wife out of the house?" "Should we sell our home to pay off debt?" "Should we take over a local business?" "Confronting a controlling mother-in-law," "Relocate our family for better school options?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Churchill Mortgage Balance of Nature DreamCloud Zander Insurance BetterHelp Neighborly Want a plan for your money? Find out where to start: Click Here Find a Ramsey Trusted Real Estate Agent: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Ken Coleman & George Kamel answer your questions and discuss: How to financially and professionally prepare for a layoff, read more: What to Do If You're Laid Off Why you shouldn't cash out a 401(k) from a previous employer to pay for college, read more: The High Price of a 401(k) Withdrawl Some of the dumbest things our listeners have bought using "By Now, Pay Later", read more: The Truth About Klarna: Why It's Dangerous to Buy Now, Pay Later What to do when you're not making enough income to cover your expenses, read more: Ken Coleman's Increase Your Income Bundle How to manage debt when your industry goes on strike, What to know about when you need a new car, When to decide if you should sell your house to move to a safer neighborhood, How to get on the same page with your spouse about big expenses, read more: Money, Marriage, and Communication Why you shouldn't pull from retirement to pay off your house, How to know if you're ready to launch your own business, read more: Should I Quit My Job Quiz The best way to tackle your debt when dealing with consumer debt and a HELOC, What to do when your parents make you take over car payments on a vehicle you can't afford, read more: How To Sell A Car Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: BetterHelp Zander Insurance NetSuite Balance of Nature Neighborly Want a plan for your money? Find out where to start: Click Here Find a Ramsey Trusted Real Estate Agent: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey, George Kamel, and Ken Coleman answer your questions and discuss: Why you should never own a house with someone you're not married to, Dave and George talk with Graham Stephen about real estate, the economy, investing, and work that matters, The Iced Coffee Hour with Graham and Jack Graham Stephan's YouTube Channel What to take into consideration when deciding to start taking Social Security, read more: What Is Full Retirement Age? And What Does It Mean For Your Retirement? What to do with extra money from the sale of their house, Why a caller can't afford to continue the same patterns of behavior after have two vehicles repossessed, read more: Don't Believe The Lies: What Can Debt Collectors Do? "My siblings think I'm taking financial advantage of our father with dementia - what should I do?", How to pay for major home repairs while in Baby Step 2 when you can't manage your money, read more: Money Management What to do with a sign on bonus while in graduate school and plan for the future, read more: What Is Lifestyle Creep? Why long distance rental properties are a bad idea, What to do once you've reached Baby Step 7 and you're not sure what to do with your money, How to make preparations for your funeral so other family doesn't have to pay for your arrangements, read more: Pros and Cons of Prepaid Funeral Plans How to talk to your spouse about combining finances, read more: And Two Become One: How to Combine Bank Accounts Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: USCCA BetterHelp Balance of Nature Zander Insurance Neighborly EveryDollar - Budget for free today! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & George Kamel answer your questions and discuss: What to do when you and your spouse can't agree on how much to save for building a home, read more: How Much Does It Cost to Build a House? How to get prepared for retirement when you have nothing saved at 50 years old, Do you have enough for retirement? Learn more today: Retirement Calculator How to financially prepare for a divorce, read more: How to Survive Divorce: Protect Yourself and Your Finances What to do when you and your spouse can't agree on how to budget, read more: Money and Marriage: 7 Tips for a Healthy Relationship What to do when when receiving certified letters in the mail for debt that's in the collections, read more: How to Pay Off Collections "Can I afford to buy more hair transplants?", How to know if you can afford to quit your side hustle to pursue your dream job, How to buy a house with zero credit score, read more: Can You Buy A House With No Credit? "Should I use my savings to pay my fiancees debt after we get married?", read more: 4 Steps to Make The Best of Marriage and Debt What to do when getting divorced and you don't have any financial agreement set up, How you should prioritize your student loan payments in your Debt Snowball, from the website: RamseySolutions.com/StudentLoans What to do when you're underwater on a vehicle and don't know if you should pay it off, How to get your finances on track as newlyweds when facing major home repairs and feel overwhelmed. Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Zander Insurance Churchill Mortgage BetterHelp DreamCloud Neighborly EveryDollar - Budget for free today! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss: The right way to set up your budget to take care of your family when you're barely getting by, read more: 4 Things You Must Include in Your Budget Where "sinking funds" fall in the Baby Steps, read more: What Is a Sinking Fund and How Do You Create One? How to avoid bankruptcy when you're being sued for debts that are in collections, How to decide if you should go back to school to increase your income, The best places to hold your money for your sinking funds, How to know if you're making financial decisions based on wisdom or ungratefulness, What to be financially prepared for when moving to the mission field, Why you shouldn't use your Emergency Fund to pay off your house, "Why are mutual funds highly recommended?", read more: What Are Mutual Funds? And How Do They Work? Why you should never voluntarily repossess a vehicle to the bank, read more: How Does Car Repossession Work? Where to start focusing your investing as a debt free college graduate, Why getting a car loan to build a credit score is a horrible idea, read more: Living Without a Credit Score Why a 2 hour commute is not worth a cheaper house or beneficial to your marriage, How one couple became became Baby Steps Millionaires in their 30's, How much you should have in your Emergency Fund as contract employees, read more: A Guide to Your Emergency Fund Why you shouldn't wait for any kind of student loan forgiveness to pay off your student loans, read more: RamseySolutions.com/StudentLoans Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: DreamCloud Balance of Nature Zander Insurance Churchill Mortgage Neighborly EveryDollar - Budget for free today! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss: When you should look for a new financial planner,  from the website: Find a SmartVestor Pro today Why "rice & beans" is a metaphor and why you shouldn't be stingy with your generosity, read more: Dave Rant! You're Not on the Dave Ramsey Plan If... What to look for if you're trying to figure out if you should sell your house and get a cheaper mortgage, A powerful Debt Free Scream from a single mother that never quit even when things seemed impossible, Where to put student loans in your Debt Snowball while still in school, from the website: RamseySolutions.com/StudentLoans How to plan for long term medical expenses when facing dementia, "Can I get my nails done while in Baby Step 2?", What to do with additional income when your retirement is maxed out, When to determine if you should sell real estate to pay off student loans, Newlyweds that do a Debt Free Scream that sacrificed their wedding day to avoid debt, Have you worked the Baby Steps and become debt free? Fill out your Debt Free Scream Application today! How to know if you should sell an investment property when expecting a baby, What to do when you receive a settlement from a car accident and have IRS debt. Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: NetSuite Zander Insurance Christian Healthcare Ministries BetterHelp USCCA Neighborly Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Ken Coleman & George Kamel answer your questions and discuss: "Should we sell our house to pay off debt?" Consumer spending during this football season, "Should I cash out my investments to pay off debt?" "Can debt in collections cause me to lose a job?" "How much should I spend on a car?" "Should I refinance my house?" "Will leaving my job sour my relationship?" "Should I relocate to work with family?" "How do I tithe if I can't pay my bills?" "How do I know when it's time to move on?" "I'm exhausted from my job," "Should we buy a house from my in-laws?" "A work friend co-signed for my house..." Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Zander Insurance Balance of Nature DreamCloud BetterHelp Neighborly EveryDollar - Budget for free today! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Rachel Cruze & Jade Warshaw answer your questions and discuss: "How do we talk to our kids about money?" "Pay off debt while saving for retirement?" "Pause retirement while saving for baby?" "Should I sell my house to pay of debt?" "My boyfriend got out of jail and has $30K in collections," Why you need to be careful with food delivery services, "Should we move in with my parents?" "How do I get started with a Roth IRA?" "How do I sell my car if I'm upside down on it?" "My husband lost his job after we bought a house," "Should I pause my student loan payments?" "Should I consolidate my debts?" "We keep fighting about our finances" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: BetterHelp NetSuite USCCA Zander Insurance Neighborly Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

George Kamel & Dr. John Delony answer your questions and discuss: Why cars are the stupidest things we buy (and how to get out of a lease early), read more: How Does Leasing a Car Work? "How do we manage rent and a mortgage?" "How do I deal with a potential government shutdown the next time around?" "What should I do with a bonus from work?" "We disagree on paying off our debt." "Why George was right about NFTs being a poor investment," "Pull from mutual funds to pay off our house?" "Do I need a realtor to build a home?" "Should my fiancée stay home with our kids?" "How do I budget my new income?" "The car salesman lied about the final cost of my car," "Should we buy an apartment for my daughter?" "Should I sell or repair my car?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Churchill Mortgage Zander Insurance BetterHelp USCCA Neighborly Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Jade Warshaw & Dr. John Delony answer your questions and discuss: check out John's new book! Building a Non-Anxious Life, "Should we sell our house?" "I didn't tell my husband how much debt I have," "How quickly should I pay off my car?" "Should I go into debt to prioritize my health?" What happens if you don't pay your student loans, Buying a home without a credit score,  "Our son won't move out, what can we do?" "Paying for big purchases without credit cards," "Should we sell our house when we move?" "How can I stop living paycheck to paycheck?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Christian Healthcare Ministries BetterHelp NetSuite Zander Insurance Balance of Nature Neighborly Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey, John Delony, and George Kamel answer your questions and discuss: The effect of anxiety in today's world and how to combat it, Last chance to pre-order: Building a Non-Anxious Life  Jade Warshaw & Ken Coleman live from Washington, D.C. to talk about student loans payments starting back this month, Learn more: RamseySolutions.com/StudentLoans Why it can be beneficial to pre-plan your funeral but to not pre-pay, read more: Pros and Cons of Prepaid Funeral Plans How to rent a car without a credit card, read more: How to Rent a Car Without a Credit Card Ken Coleman talks with Rep. Andy Ogles live in Washington, D.C. about what Congress can do to help repair the issues around the student loan crisis, Learn more: RamseySolutions.com/StudentLoans What to do when you're barely able to make minimum payments on your debt, Learn more: Financial Peace University How one couple turned their finances around when they stopped acting like children, "How do we get back on the Baby Steps after having our baby?", read more: How Much Does It Cost to Have a Baby? Why you should pay extra on your mortgage, read more: How to Pay Off Your Mortgage Early Jade Warshaw & Ken Coleman live from Washington, D.C. about how we get out of this mess of this student loan crisis, Learn more: RamseySolutions.com/StudentLoans What to do as a parent when your kids don't want to agree to the terms you set to paying for their college, How to navigate anxiety about money in your marriage, read more: How to Deal With Anxiety Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Balance of Nature DreamCloud Zander Insurance Churchill Mortgage Neighborly Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Jade Warshaw & Dr. John Delony answer your questions and discuss: If you should take your pension in a lump sum or payments. We had a $2k bill that was about to go in to collections!" When in the baby steps you catch up on late bills. The pitfalls of using a credit card to pay your bills. "I'm actually in a big mess!" The dream of student loan forgiveness has died. Is now the time to buy a house? "You can't solve a problem while simultaneously creating one." Selling stocks to pay off debt. Should my daughter go off to college with an eating disorder? Using Bitcoin to fund a 529. How to stop living paycheck to paycheck Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: NetSuite Zander Insurance BetterHelp USCCA Neighborly Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

In this special curated episode of some of our favorite calls of the year, Dave Ramsey & his co-hosts answer your questions and discuss: "Should we allow finances to stop our marriage plans?" "My father-in-law deeded a house to my 7-year-old," "Should I cancel the extended warranty on my car to pay debt?" "Sell my house to pay off debt?" "My husband is inheriting ex-wife's house," Habits of successful millionaires, Why some immigrants think debt is the only way to thrive in America, "I've hidden my trust fund from my wife..." "Can I use a credit card as my emergency fund?" "What should we do with a million dollars?" "My husband spent $2,000 without telling me," "Pay mortgage off with life insurance money?" "How do I become a millionaire?" "Someone offered to buy my land with gold." Support Our Sponsors: DreamCloud BetterHelp Zander Insurance Churchill Mortgage Neighborly 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: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Dr. John Delony answer your questions and discuss: "Should my husband and I 'divorce' our finances?" "I won $22m in the lottery and haven't told all of my family... should I?" "Should we sell our house to pay off debt?" "My husband pays his parents' bills," "How should we tackle our mortgage?" "Should I sell my new truck?" "My father doesn't leave enough to pay his bills," A Baby Steps Millionaire Theme Hour! Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Zander Insurance Christian Healthcare Ministries USCCA NetSuite Balance of Nature Neighborly Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Ken Coleman answer your questions and discuss: "When do I get life insurance as a single mom?" "Should I accept money from dad to buy a house?" :"How can I start working through my debt?" "What do I do after losing my business to a fire?" "Go back to my old job if they pay me more?" "What should I do with my savings as a single mom?" "Should I use a 'Buy Your House Now' company?" Willie Robertson on the new film The Blind, "Should I build my credit to rent?" How can I pay off debt at my age?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Balance of Nature Zander Insurance Churchill Mortgage BetterHelp USCCA Neighborly Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & George Kamel answer your questions and discuss: Why you shouldn't listen to idiots about paying off your house, "Should we save for a wedding or start investing?" "Should I sell my investment property?" "Does it make sense to refinance my student loans?" "Should I transfer my credit card debt?" "We've been looking for a house for 9 years," "Paying off student loans with low income," "Should I close the family business?" "What should I do with money in the bank?" :How much should I save in a 529?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: BetterHelp USCCA Balance of Nature Zander Insurance DreamCloud Neighborly Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dr. John Delony and Jade Warshaw answer your questions and discuss: "How should we pay for a second car?" "Should I pay off debt or buy a house?" Why the national debt shouldn't matter much to you, "How much emergency fund do I need?" "Should I keep money separate if I get married?" Why you shouldn't have to minimize your success with your friends, "Should I drop out of college?" "How do you celebrate while paying off debt?" "Should we work the baby steps or file for bankruptcy?" "Should we pause our HSA contributions?" "I want to move but my husband doesn't," "Should I sell my house and move for a job?" "Should I sell my car?" "Work the Baby Steps or file for bankruptcy?" "How do we start paying off our debt?" "Was it right for me to cancel my credit cards?" "Should I sell my car?"   Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Zander Insurance USCCA BetterHelp NetSuite DreamCloud Neighborly EveryDollar, budget for the life you want today for free: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Ken Coleman & Jade Warshaw answer your questions and discuss: "Am I responsible for my kid's college tuition?" "How can I earn money while in college?" "How should I find a new job?" "Pause investing while saving for a house?" "Should we use savings to pay our student loans?" "Borrow from our 401(k) to pay off our HELOC?" Saving money on grocery budgets, read more: How to Save Money on Groceries, "How do I pay off my tower of debt?" "Should I buy a house or rent after I retire?" "How can I start paying off my debt?" read more: 15 Best Work From Home Jobs, "What should I do after losing my job?" "Should I use a debt resolution program?" "Should I change jobs for better pay?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Churchill Mortgage Zander Insurance USCCA BetterHelp Neighborly EveryDollar, budget for the life you want today for free: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

George Kamel & Ken Coleman answer your questions and discuss: "My husband wants to sell our home and retire early," "Should I invest my daughter's money?"  "My commute is 8 hours round trip," "How can I help protect my mom's retirement?" "How much should I save for kid's college?" "Our employer 403(b) has a poor rate of return," "Should I use a reverse mortgage to buy a rental?" "Should I pay off my student loans?" "Is it OK to leave my full-time job?" George's episode about how much salary people need to feel secure George's new video: What It Takes to Be Financially Secure In America, "How do I start getting out of debt?" "Should I finance a car to get the incentives?" Support Our Sponsors: BetterHelp NetSuite Balance of Nature Zander Insurance Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET EveryDollar, budget for the life you want today for free: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Jade Warshaw & Ken Coleman answer your questions and discuss: "I'm new to the Baby Steps; how do I pay off debt?" "How much 'fun money' should we budget?" "Should I turn in the car I'm upside down on?" Why Ken prefers luxury sheets over luxury shoes, "How can I keep an inherited farm?" The best side hustle ideas, read more: 27 Side Hustle Ideas to Earn Extra Cash, "How much should we spend on a car?" "Liquidate stocks to pay off debt?" "Should I be saving while expecting a baby?" "Pull from our investments to pay off house?" "What do I do after maxing out 401(k) investing?" "Should I take out a loan to travel abroad in college?" Support Our Sponsors: USCCA DreamCloud Zander Insurance Balance of Nature BetterHelp Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET EveryDollar, budget for the life you want today for free: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Dr. John Delony answer your questions and discuss:  "I'm falling behind financially," "Should I take our a HELOC for home repairs?" "Does it make sense for me to pay for my daughter's college education?" "Can someone ever stop tithing in a difficult situation?" "How can I stop enabling my irresponsible mother?" "Will I be able to retire?" read more: The Truth About Retirement, "Should I buy a house with cash?" "Pull from my mutual funds to pay off debt?" "I have $220K in student loans, what can I do?" The persistent illusion of gold,  read more: Why Investing in Precious Metals Is a Bad Idea, "What should I do with an inheritance?" Support Our Sponsor: Balance of Nature Zander Insurance Churchill Mortgage Christian Healthcare Ministries USCCA Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET EveryDollar, budget for the life you want today for free: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

After a three-year hiatus, student loan payments are coming back. But that doesn't mean you have to freak out! Join Dave Ramsey, Jade Warshaw, and Rachel Cruze for a clear plan on how to cover those payments and ditch your student loan debt for good.   It all starts with a budget—so download EveryDollar today. (It’s totally free!) https://bit.ly/everydollar-home

All The Ramsey Show co-hosts are out on the road for Smart Conference so today we're back with another compilation of our favorite moments from the year so far. We hope you enjoy it and we'll be back with a live show on Monday's episode. Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Christian Healthcare Ministries Churchill Mortgage Zander Insurance Neighborly EveryDollar, budget for the life you want today for free: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss: "I'm in a lawsuit with cofounders of my company," Getting out of upside down cars (and motorcycles), "Am I saving too much or should I enjoy my life more?" read more: Why You Need Some Fun Money in Your Budget, Things to do to create margin in your budget, "What should my net worth ratio be?" "Are we able retire now?" "Preparing for high interest rates on a home," Covering an emergency while in debt, "Should I sell my house to pay of business debt?" "Should I use my gold & silver to pay off debt?" "When would you recommend bankruptcy?" "How do we set goals after paying off debt?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Zander Insurance BetterHelp Balance of Nature Neighborly EveryDollar, budget for the life you want today for free: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Rachel Cruze answer your questions and discuss: "Should we buy a bigger home?" "I have $300k in student loans and can't work," "How much of our money should we save?" "Should I use savings to pay off my student loans?" "What should I do after inheriting a house?" "Do I need Title Theft insurance?" "How do I fix my relationship with money?" "How should I invest after selling my house?" "I took a job but they lied about compensation..." "My siblings don't want to honor my mom's trust," The stupidity of day trading, read more: What Is Day Trading and How Does It Work?, Our mother-in-law wants us to get a HELOC. Support Our Sponsor: Balance of Nature Zander Insurance Churchill Mortgage BetterHelp Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET EveryDollar, budget for the life you want today for free: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Ken Coleman answer your questions and discuss: "Should I join the military?" Home remodels without permits, "How do I start paying off my student loans?" "Should I buy a tiny home?" "Do I stop investing to pay off debt?" read more: When You Should Stop Investing, "Should I buy out my car lease?" "How do I ask for a promotion at work?" "My ARM is resetting soon, what can I do?" read more: What Is an Adjustable-Rate Mortgage (ARM) and How Does It Work? "Do I need extra emergency savings due to a volatile career?" "Is it wrong for me to sell car leases if I don't believe in them?" "Should I grow my business or buy a house?" Selling stocks to pay off debt, "I'm 76 and still have student loan debt..." "Planning a wedding while in the Baby Steps," "Should I buy a car or pay off my house?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: DreamCloud Balance of Nature BetterHelp NetSuite Neighborly EveryDollar, budget for the life you want today for free: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss: "Is it wrong to sell a gift?" "Should I sell my car to pay my student loans?" "How can I manage finances after my husband passed," "Can I afford to visit my dying father?" The latest on the real estate market, What to do with a large financial gift, "I owe the IRS $100,000..." read more: Tax Debt Relief: How to Handle Back Taxes, "Should we focus on improving our credit score?" "Should I pay off my fiancée's car?" "I don't feel like we're making any progress" "Do I look at my student loans individually or as a group?" Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans, "Should I take out a debt consolidation loan?" "Is it ethical to invest in stocks?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: NetSuite DreamCloud Zander Insurance BetterHelp Neighborly EveryDollar, budget for the life you want today for free: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Rachel Cruze & John Delony answer your questions and discuss:   What to do when you're saving for Baby Step 3 but have a car that's about to die, read more: Is Your Car Worth Repairing? Or Should You Replace It? How to know if you should live with family when finding a new place to live, What it means to have an anxious life and how to get away from the stress, John's New Book: Building A Non-Anxious Life by Dr. John Delony How to tackle debt when getting out of the military and moving, What to do when co-parenting and one set of parents is trying to encourage taking on debt, read more: How to Teach Teenagers About Money How to prioritize paying off your student loans in your Debt Snowball, read more: RamseySolutions.com/StudentLoans Why money problems in your marriage are often a result of deeper issues, read more: Money and Marriage: 7 Tips for a Healthy Relationship How to help parents change their mindset about money, read more: Understanding the Psychology of Money Why you shouldn't have parents co-sign on a mortgage, The best ways to use a large inheritance, read more: What to Do With an Inheritance How student loans are taking a toll on students mental health, take Dr. John Delony's Axienty Test How to be ok with accepting financial generosity from family members without feeling guilty. Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsor: NetSuite BetterHelp DreamCloud Zander Insurance Neighborly EveryDollar, budget for the life you want today for free: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Ken Coleman answer your questions and discuss: "Should we buy a golf course?" "How can I set myself up for success in my dream job?" "Will closing credit cards hurt my credit score?" "Can I afford to move out on my own?" "I need to find a job that will pay the income I need," "I can't get caught up on my savings." "Should I sell my house when I move?" "Should I pull from my Roth IRA to pay off debt?" "How should I ask for a raise?" read more: How to Ask for a Raise, "How do I prioritize paying off my house?" "What's the best way to increase my income?" Why whole life insurance sucks. Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsor: Balance of Nature NetSuite Zander Insurance BetterHelp Neighborly EveryDollar, budget for the life you want today for free: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss: "Should we sell our house to pay off debt?" The stupidity of Biden’s SAVE student loan repayment plan, Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans, "Should I change careers after an injury?" "Dave, I think you're wrong about infinite banking..." "Should I advise recruits to use loan forgiveness?" "How can I get financially stable?" "I'm upside down on my car; how do I get out?" read more: How to Get Out of an Upside-Down Car Loan, "Should I sell my rental property?" "Do I need to prepare for a switch to digital currency?" "Should I pay off my house today?" "Which debt should I prioritize after a divorce?" Support Our Sponsor: Zander Insurance DreamCloud BetterHelp Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET EveryDollar, budget for the life you want today for free: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss: Balancing saving for retirement and kids college, "Should we keep or sell our rental property?" "How do we get back on track with the plan?" "Should we sell our house to pay off $299K of debt?" "My stepson won't pay for his daughter's education," "Should we replace our HELOC with a fixed-rate loan?" read more: HELOC: What Is a Home Equity Line of Credit? "Does it make sense to use our savings to invest or buy a house?" "Help, I have $311k in student loan debt..." Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans, "How do we plan to buy land and build a house?" "Should we get earthquake insurance?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Churchill Mortgage Zander Insurance Christian Healthcare Ministries Balance of Nature Neighborly EveryDollar, budget for the life you want today for free: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show tomorrow. Let us know what you think in the comments! Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: BetterHelp Churchill Mortgage Balance of Nature Zander Insurance Neighborly EveryDollar, budget for the life you want today for free: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dr. John Delony & Jade Warshaw answer your questions and discuss: "We are traumatized by the housing market,"   "My student loans give me anxiety..." Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans, "I have debt but I want to start investing," "Should we use our savings to pay off our cars?" "I hate actually using our emergency fund..." "Should I keep renting or buy a house?" "I'm 58 years old and don't have any retirement," "Should I pay more on my mortgage or keep saving?" "Does it make sense for us to pay on our interest-free loans?" "Should we combine finances now?" A will vs. a trust, "I feel guilty for my husband selling his Jeep for my debt," "My wife's expenses are more than my income." Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: DreamCloud Zander Insurance Balance of Nature Neighborly EveryDollar, budget for the life you want today for free: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss: What to do about student loans payments resuming, Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans, "How can I get my law degree without loans?" "Should I be investing for retirement?" How to know how much money you need to retire, "Pay off my daughter's car that I co-signed?" "Should I sell my house now that my divorce is finalized?" "How do we budget to replace our busted HVAC?" "Should I convert my term life to a whole life policy?" "I'm nervous to take out a mortgage to buy our first home," "Get a regular job or start my own law firm?" "How can I help my mom prepare for retirement?" "How aggressively should I pay off my house?" read more: How to Pay Off Your Mortgage Early, "I owe $223K on a business that failed." Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Christian Healthcare Ministries Churchill Mortgage BetterHelp Zander Insurance PODS Moving & Storage Neighborly EveryDollar, budget for the life you want today for free: Click Here Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Dr. John Delony answer your questions and discuss:   EveryDollar, budget for the life you want today for free: Click Here "It feels like I can't catch up on my debt," "What should we do after selling our house?" "Where should we be investing?" "Dealing with medical debt while fighting cancer," "How much house can I afford?" "Pay off personal debt with business income?" "Pause the Baby Steps to save for my son?" "Take out student loans to pay our bills?" "I don't know how to get ahead of my debt," "How can I become financially responsible?" "Take a higher paying job if I'll have to move?" "How can we slow down after Baby Step 7?" Support Our Sponsor: PODS Moving & Storage BetterHelp NetSuite DreamCloud Zander Insurance Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Ken Coleman answer your questions and discuss:   EveryDollar, budget for the life you want today for free: Click Here Why you should never borrow money from family,  "Should I keep waiting on a company to hire me?" "Pay off our house before buying a new house?" read more: How to Pay Off Your Mortgage Early, "I'm nervous about working full-time again," "What should I do with a $100K gift?" "Should we cash out our Roth to pay off debt?" "How do we pay off $110K while raising a baby?" "Should I quit my job that's a hostile work environment?" Dave Rant: Personal Finance Isn’t a Feeling, It’s MATH! "Should we put our savings toward student loans?" Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans, "Cancel term life insurance after getting debt free?" "Planning on my income decreasing" Support Our Sponsor: Zander Insurance NetSuite Balance of Nature PODS Moving & Storage BetterHelp Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss:   EveryDollar, budget for the life you want today for free: Click Here "Emergencies keep holding back our progress," "We disagree on how to use our money in Baby Step 6," Confusion around student loans, Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans, "How do we prepare to build a house?" How to replace a car, "Is there any way to use the equity in our home?" "What's the best way to save for my grandkids?" "Should I invest instead of paying off my house?" Why warranties aren't worth it, read more: Are Extended Warranties Worth It? "Which debt should I pay off first?" Getting out of a $220k “HELL-OC", "I think we bought too much house" Support Our Sponsor: Balance of Nature PODS Moving & Storage Zander Insurance Churchill Mortgage BetterHelp Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Ken Coleman & Jade Warshaw answer your questions and discuss:  EveryDollar, budget for the life you want today for free: Click Here "Should I file bankruptcy?" "Pause Baby Step 2 to pay for fertility treatments?" "Should I wait for student loan forgiveness?" "How do I ask my boss for a raise?" "Our financial advisor is trying to sell us on whole life insurance" read more: What Is Whole Life Insurance? "My husband says he deserves his truck (and its $1400 payment)..." "How do we budget for student loan payments?" Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans, What's your "I've Had It!" moment? Share it with us in the comments! "Should we buy a condo or a small home?" try our free Mortgage Calculator, "Should I keep whole life insurance on my kids?"  "Should I use savings to pay off my car loan?" "I have over $1M in debt, what can I do?" "I want to move out of my parents' house." Support Our Sponsor: Churchill Mortgage Balance of Nature Zander Insurance PODS Moving & Storage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Rachel Cruze & Dr. John Delony answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here "Should we pay off debt or buy a house?" "We feel taken advantage of by my parents," "Following the Baby Steps while managing ADHD," "Should I buy a car that gets better gas mileage?" "How do we get out of this financial mess we made?" "I'm $480k in debt!" read more: The 7 Baby Steps, "Should we save for kid's education or pay off our house?" "Do I need to take out a loan to buy out my ex?" "My wife wants to sell our house and downsize," "What's the best way to pay off my cars?" "I bought a condo with my mom..." "Should I rent or buy a home?" "I promised to buy someone a car..." Support Our Sponsor: BetterHelp Zander Insurance PODS Moving & Storage NetSuite DreamCloud Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Jade Warshaw & Ken Coleman answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here "I can't keep up with my minimum payments..." "The facts about Biden's new SAVE plan for your student loans," read more: The Truth About Income-Driven Repayment Plans, Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans, "Will I ever be able to buy a house?" "Which debt should I pay off first?" "I received a summons from a debt collector," "How do we get our budget back on track?" read more: How to Make a Budget: Your Step-by-Step Guide, Challenges of budgeting for groceries, "Should I take a new job that pays more?" How to budget on an irregular income, Walking through Baby Steps 3b, 4, 5, and 6, "Why should I base my mortgage on net income?" read more: How Much House Can I Afford? Finding a budgeting accountability partner, "I have buyer's remorse for my Tesla," Knowing when to quit your full-time job for a side hustle. Support Our Sponsor: NetSuite PODS Moving & Storage Balance of Nature BetterHelp Zander Insurance Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Ken Coleman answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here "A debt collector is taking me to court" "Should I pull from my CD to pay towards debt?" "How do I find my dream job without a degree?" "Should I use a settlement company or file bankruptcy?" read more: Bankruptcy: What It Is and How It Works, "Sell our house to be closer to family?" "Should I sell my house before it gets foreclosed on?" "What do I do with this inheritance?" Dealing with errors on your credit report, "Pause investing while we are expecting?" read more: When to Pause Your Debt Snowball, "Should we buy or rent while in the military?" How real millionaires built their wealth. Support Our Sponsor: PODS Moving & Storage Churchill Mortgage BetterHelp Zander Insurance Balance of Nature Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & George Kamel answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here "Should I leverage equity to invest in real estate?" read more: How to Invest in Real Estate, 3 things that will keep you broke, "How do I account for buffer in my budget?" read more: How to Make a Budget: Your Step-by-Step Guide, "Don't burn so many brain calories just to make $1000," "Should I invest in land?" Dave's thoughts on digital payment methods (Apple Pay, Zelle, Venmo), "Should I pull my money out of a brokerage account and into a Roth?" "How much should we spend on a home?" "How much income can I take home from my business?" "How do I get control of my money?" Support Our Sponsor: Zander Insurance BetterHelp DreamCloud Christian Healthcare Ministries PODS Moving & Storage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Ken Coleman & Rachel Cruze answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here "Are we over-giving while paying off debt?" "How do I move into my business full time?" "Can we get on the same page before our wedding?" "I owe more on my car than it's worth" read more: How to Get Out of an Upside-Down Car Loan, "What is the best way to get into real estate investing?" read more: How to Invest in Real Estate, "Should I take a job that doesn't give paternity leave?" "How can I pay for my car repairs?" "Should I use an income-based repayment plan for my student loans?" Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans, "I don't feel safe with a $1000 emergency fund" Support Our Sponsor: BetterHelp NetSuite PODS Moving & Storage Zander Insurance Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Dr. John Delony answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here "Should I pull from my IRA to pay off our house?" read more: How Do I Invest in Retirement, Save for College, and Pay Off the Mortgage at the Same Time? "I don't know how to pay off my student loans," Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans, "How can I sustain working 80 hours a week?" "I'm not sure when to pay my second mortgage," "Should I buy a rental with my sister?" "My husband doesn't want to pay off our house" "Are MLMs just barely-legal pyramid schemes?" "Can we shift from intense to intentional?" "Should I talk my dad out of a terrible money decision?" "I'm tired of being a landlord; should I sell?" "How do I get my debt under control?" read more: How the Debt Snowball Method Works Support Our Sponsor: Christian Healthcare Ministries Balance of Nature Zander Insurance BetterHelp PODS Moving & Storage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Ken Coleman answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here "We disagree on paying off student loans,"  Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans, "My father-in-law deeded our house to our 7-year-old son..." "Should I cancel the extended warranty on my car?" "Do I need to take out a HELOC to get me to retirement?" read more: HELOC: What Is a Home Equity Line of Credit? "Should we use savings to pay off student loans?" "Stop investing while paying off debt?" "Can I use my investments to buy a house?" "Should we rent out our house when we move due to the low interest rate?" read more: How to Rent Out a House: Your Complete Guide, "Should I sell my car to get rid of the payments?" Why whole life insurance plans suck, "How do I protect us financially during a job change?" "Does it make sense to take a job I don't want if they offer good insurance?" Choosing between a high-paying job or dream job, "Someone offered me $500k in gold for my land" "How quickly should I pay off my student loans?" Support Our Sponsor: Zander Insurance DreamCloud Churchill Mortgage PODS Moving & Storage BetterHelp Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Rachel Cruze answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here "Are our Baby Steps out of whack?" read more: The 7 Baby Steps, Why you shouldn't invest borrowed money to get wealthy, "Should we pull from our Roth to fund our kid's college?" "Can I use a credit card as my $1000 emergency fund?"  Dave & Rachel react to a New York Times column, read more: Money, Marriage, and Communication, "My ex keeps slowing down my progress," "Can we use our kids' accounts to fund our debt snowball?" Preparing kids for their financial future in a family with a history of Alzheimer's, "What should I do when my car lease ends?" "Should I buy a personal home or commercial building?" "We can't afford our house anymore," "Help! I don't want to inherit a timeshare..." "Should I be investing while paying off debt?" "Should we pay off our daughter's student loans?" Following the Baby Steps while fighting cancer. Support Our Sponsor: Balance of Nature PODS Moving & Storage NetSuite DreamCloud Zander Insurance Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss:   EveryDollar, budget for the life you want today for free: Click Here "I have $700K in debt... should I sell my house?" "How do I start paying off my student loans?" Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans, "I'm upside down on my car loan," read more: How to Get Out of an Upside-Down Car Loan, "We have almost $400k in debt", "I'm scared to use my savings to pay off debt," "Should I wait for the new debt forgiveness plan?" "We rent my wife's ex-husband's house..." "How quickly should we pay the house off?" "Should we pay off debt before marriage?" "Can I afford a quadplex and my rent?" Support Our Sponsor: PODS Moving & Storage Zander Insurance BetterHelp Churchill Mortgage Balance of Nature Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dr. John Delony & George Kamel answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here "How can I help my in-laws with their money?"  "Can I pay off my student loans more quickly?" Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans, "Should we sell our rental property?" What's your "I've Had It" moment? Support Our Sponsor: PODS Moving & Storage Zander Insurance BetterHelp Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dr. John Delony & George Kamel answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here "What are my next steps as a recovering addict?" "How can I keep my friend from filing for bankruptcy?" Balancing investing and saving for a house, read more: How to Save for a House, "Should I borrow for an investment home?" Support Our Sponsor: Balance of Nature Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dr. John Delony & George Kamel answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here The stupidity of credit cards, Preparing for a move while paying off debt, "We lost our baby and can't afford to buy burial plots near him" "How do I pay for a Ph.D. without debt?" Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Dr. John Delony answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here "Can I borrow from my trust to pay for school?" "What should I worry about while changing jobs?" "Should I save more or pay off my house?" read more: How to Pay Off Your Mortgage Early, "How can I be less anxious about money?" Support Our Sponsor: DreamCloud Churchill Mortgage PODS Moving & Storage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Dr. John Delony answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here "Can I afford to move out of a house with terrible painful memories?" "How can I diversify my investments?" read more: Diversification: What It Is and How to Apply It, "My mom wants me to quit my job and move to take care of her" "What should I do with my estate?" Support Our Sponsor: Zander Insurance BetterHelp Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Dr. John Delony answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here "Should I sell my car?" "Should I redo my debt snowball after marriage?" "Should I use my 401(k) to pay off my home?" "How do I recover my finances after a gambling addiction?"  "How do we best use an inheritance?" read more: How to Make a Will, Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Ken Coleman answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here "Can you build wealth on a modest salary?" "When should you buy life insurance during the Baby Steps?" from the blog: How Much Life Insurance Do I Need?, Getting out of an upside down vehicle, from the blog: How to Get Out of an Upside-Down Car Loan, "How can I use my savings to make more money?" "Should we have a larger emergency fund?" "Can we afford the house we want?" Support Our Sponsor: NetSuite Balance of Nature Zander Insurance Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Ken Coleman answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here "Should we pause investments to pay off debt?" "Sell our house so I can go back to school?" "I feel guilty leaving the small company I work for" "Can I afford to work part time?" "Should I increase my emergency fund to pay HOA fees?" "I took our a 401(k) loan, what can I do now?" "Should I pay off my truck?" Support Our Sponsor: PODS Moving & Storage Christian Healthcare Ministries Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Ken Coleman answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here "Should we downsize our home?" "Should we use savings to pay off our cars?" "Should we buy or build?"  "I'm being sued for $20,000," "Should I take a new job that will slow the Baby Steps?" "Should I use an ERC to pay off debt?" "How can I increase my income?" Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Rachel Cruze answer your questions and discuss:  EveryDollar, budget for the life you want today for free: Click Here Why you should keep investing paused when paying off debt,  Why paying off your student loans and then going back into debt is like a dog chasing its tail, Learn more today at RamseySolutions.com/StudentLoans How losing a low mortgage rate to upgrade your home isn't as bad as it sounds, How selling property to get out of debt won't change your spending habits,  "Should I sell my camper to get out of debt?" from the blog: How to Declutter Your Life How saving 15% of your income for retirement is import regardless of what your income is, from the blog: Why Should I Invest 15% of My Income for Retirement? What to do when you're burned out and wanting to make a career change,  from the blog: How to Make a Career Change Midlife Support Our Sponsor: Zander Insurance BetterHelp Balance of Nature Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Rachel Cruze answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here What to do when you can't agree with your spouse about paying off debt,  from the blog: What to Do When Spouses Don't Agree on Money Why you shouldn't be borrowing from your cars to invest, The best ways to build wealth, from the blog: How to Build Wealth at Any Age "Is it ok for us to spend money on occasional family gatherings during Baby Step 2?" from the blog: A Guide to Vacationing on the Baby Steps Why you have to identify the reality of your situation when you're in debt, from the blog: If You Don't Want to Be Broke Anymore, Do This Support Our Sponsor: NetSuite PODS Moving & Storage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Rachel Cruze answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here Why continuing to live in debt and doing nothing about it is choosing to live in denial, from the blog: How to Survive and Thrive Without Credit Cards How to know when you can afford to buy a house, from the blog: Am I Ready to Buy a House? A Debt Free Scream couple that shares their journey from "Dave-ish" to Gazelle Intensity, from the blog: Gazelle Intensity: Do You Have It? "Should I wait to start my own business to increase my savings after battling cancer?" Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here Update on a call from last week, "Should we sell our house to get out of debt?" "How can I find extra money to pay off debt?" "Should I put down more than 20% on my home build?" "Should I save for a house at 69 years old?" Support Our Sponsor: Churchill Mortgage PODS Moving & Storage DreamCloud Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here "Will BRICS put the strength of the US Dollar in jeopardy?" "What should I do about my student loans?" Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans, "Should I pay off my car or house first?" "How can I stay gazelle intense in Baby Step 2?" "Should I repair or replace my car?" Support Our Sponsor: BetterHelp Zander Insurance Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here "How do I help my parents plan for retirement?" Getting an apartment without a credit score, from the blog: Living Without a Credit Score, "Should I pay off my house if I'm going to sell?" "Should we sell a paid off rental to pay off debt?" Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Jade Warshaw & George Kamel answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here "How can I start my financial journey as a recovering addict?" "Should I buy a house or continue renting?" from the blog: Should I Rent or Buy a House? The importance of fun money when budgeting in marriage. from the blog: Why You Need Some Fun Money in Your Budget, Which debt should I pay off first as a single mom? Support Our Sponsor: DreamCloud NetSuite Zander Insurance Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Jade Warshaw & George Kamel answer your questions and discuss:   EveryDollar, budget for the life you want today for free: Click Here "I don't know where to start with my debt" What is "Girl Dinner"? "How do I handle medical debt in collections?" "I'm about to lose my job and I have a lot of debt" Support Our Sponsor: PODS Moving & Storage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Jade Warshaw & George Kamel answer your questions and discuss:   EveryDollar, budget for the life you want today for free: Click Here "Should I buy a tiny house?" "How should I be investing right now?" from the blog: How to Start Investing in 2023: A Beginner’s Guide, "Is it ever okay to pause the baby steps?" "How do I become a millionaire?" from the blog: How to Become a Millionaire Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss:   EveryDollar, budget for the life you want today for free: Click Here Get John's new book, Building a Non-Anxious Life, "Should I take out student loans to invest in the market?" from the blog: Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans, "How do I talk to my friend about his terrible money habits?" "How do I buy a car without debt?" from the blog: The Truth About Financing a Car Support Our Sponsor: BetterHelp PODS Moving & Storage Churchill Mortgage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss:   EveryDollar, budget for the life you want today for free: Click Here "Is it worth it to move closer to work?" "What's the best way to save for kid's education if I'm not sure they will go to college?" "What taxes should I expect when paying off debt?" Support Our Sponsor: Balance of Nature Zander Insurance Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss:   EveryDollar, budget for the life you want today for free: Click Here "My husband bought a $300K McLaren before getting laid off and now refuses to sell it," Why whole life insurance sucks, from the blog: What Is Whole Life Insurance? "Should I buy a house with cash?" Why you should always pay IRS debt first from the blog: What Debt Do You Pay Off First? "How do I go to dental school without borrowing money?" Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss:   EveryDollar, budget for the life you want today for free: Click Here "Should I invest in real estate in Thailand?"  "How fast should I pay off my debt?" from the blog: How the Debt Snowball Method Works, "Should I sell my house?" "Use a business broker to sell my business?" Support Our Sponsor: PODS Moving & Storage Christian Healthcare Ministries NetSuite Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss:   EveryDollar, budget for the life you want today for free: Click Here "Can I afford to buy my dream car?" Paying off $27K in credit card debt, "Should I pull from my TSP?" "Should I sell my car or pay it off?" "Sell our house to pay off student loans?" Support Our Sponsor: Zander Insurance BetterHelp Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss:    EveryDollar, budget for the life you want today for free: Click Here "How should I use my tax return?" "How do I set up my inheritance well?" "Should I use all my savings to pay off my student loans?" Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans, "Should we pay off our house before investing?" Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Dr. John Delony answer your questions and discuss:   EveryDollar, budget for the life you want today for free: Click Here Get John's new book, Building a Non-Anxious Life, "My husband refuses to combine finances with me," "Should I pull from my 401(k) for a home down payment?" "How can I convince my daughter not to get a credit card?" "What's next now that I'm debt-free?" Getting out of a land loan. Support Our Sponsor: Balance of Nature Zander Insurance PODS Moving & Storage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Dr. John Delony answer your questions and discuss:   EveryDollar, budget for the life you want today for free: Click Here  Get John's new book, Building a Non-Anxious Life, Establishing money boundaries with siblings, "Should I pay off my house early?" from the blog: How to Pay Off Your Mortgage Early, "How do I hold onto hope paying off debt?" Support Our Sponsor: BetterHelp DreamCloud Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Dr. John Delony answer your questions and discuss:   EveryDollar, budget for the life you want today for free: Click Here "How can I pay off my debt without changing my lifestyle?"  Catching up on retirement later in life. "We have $378K in student loans, what can I do?" Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans, Dealing with a nasty mold problem. Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Enter The Ramsey Cash Giveaway for a chance to win $3,000! https://bit.ly/TRSCashGiveaway Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Ken Coleman answer your questions and discuss:   EveryDollar, budget for the life you want today for free: Click Here "Do I really not need to have a credit score?" "Should my husband quit and start his own business?" "Do I need to buy a house now before I get priced out?" "Should I use my 403(b) to pay off my house?" "What should we do with a million dollars?" Support Our Sponsor: Zander Insurance BetterHelp Balance of Nature Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Ken Coleman answer your questions and discuss:   EveryDollar, budget for the life you want today for free: Click Here Should my son take out loans for an Ivy League school?" "How do I get around AI roadblocks when applying for jobs? from the blog: How to Beat Applicant Tracking Systems (ATS), "Should we surrender our motorcycles to avoid the payments?" Support Our Sponsor: Churchill Mortgage PODS Moving & Storage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Ken Coleman answer your questions and discuss: EveryDollar, budget for the life you want today for free: Click Here "I have $134K in student loans," "Focus on paying off my car or saving for my wedding?" "Should I sell my house and move into a cheaper home?" Using car savings to pay off the house, "How do we get back on track with your plan?" Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Ken Coleman & George Kamel answer your questions and discuss:  "Should I Invest in making passive income?" Pausing paying off debt to cash flow a wedding, "Do you still recommend stocks over gold?" "How much car can we afford?"  "How do I find a good work-life balance?" "How do I increase my income?" Support Our Sponsor: PODS Moving & Storage BetterHelp Balance of Nature Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/george Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Ken Coleman & George Kamel answer your questions and discuss:  "Should I take an unwanted promotion to pay off debt?" How technology is and isn't changing the workplace, "What should we be doing with our money?" "When is it OK to make a career change?" "How do we budget an inconsistent income?" "Do you have any tips on taxes and investing?" "Can I afford to buy a house when I have debt?" Support Our Sponsor: Zander Insurance Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/george Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Ken Coleman & George Kamel answer your questions and discuss:  "Should we use my husband's severance to pay off our house?" "Should I invest in a vacation home?" "Is it wise to live with my mom until I have a down payment?" "Should I pause investing to pay down our house?" "I did the baby steps backwards" Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/george Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Dave Ramsey & Ken Coleman answer your questions and discuss:  "Should we sell our condo?" "How do I prepare to start a business?" "I don't feel like we can catch up on our finances" "How do I say no to a promotion?" "I'm recently widowed; what should I do for work?" Support Our Sponsor: Zander Insurance Churchill Mortgage BetterHelp Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/TRS Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Dave Ramsey & Ken Coleman answer your questions and discuss:  "I have $179K in ParentPLUS loans,"  "How much should we spend on a house?" "Should we get into AirBNBs at our age?" from the blog: How to Make Extra Money Using Airbnb, The Babylon Bee joins to talk about the value of making fun of yourself, "I can't get caught up on my bills" Support Our Sponsor: NetSuite PODS Moving & Storage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/TRS Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Dave Ramsey & Ken Coleman answer your questions and discuss:  "Should we sell our modular home?" "Pay off student loans or save for a house?" Check out the Ramsey Student Loan Hub for tips, tools, and the fastest way to pay off your student loans, "How much should I be investing?" "Should I go back to school to become a nurse practitioner?" Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/TRS Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Dave Ramsey & Ken Coleman answer your questions and discuss:  "How do I talk to my in-laws about retirement?" Dave's take on universal basic income, "What type of life insurance should we get?" from the blog: Common Types of Life Insurance, Explained, "Should I go back to school?" "Will I be able to retire early?" Support Our Sponsor: DreamCloud Zander Insurance PODS Moving & Storage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/TRS Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Dave Ramsey & Ken Coleman answer your questions and discuss:  "Should I sell my rental property?" "Should we sell stocks to use as a down payment?" "My in-laws took out a reverse mortgage," The stock market news no one is talking about, "Should I buy my daughter's house and move in?" "What's the best place to save our money?" "Should I move out of my family's house?" Support Our Sponsor: BetterHelp Balance of Nature Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/TRS Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Dave Ramsey & Ken Coleman answer your questions and discuss:  "Paying off debt while preparing to move." "How do I negotiate my salary?" "How should I prepare for inheritance tax?" Talking to a mother-in-law about retirement. Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/TRS Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss:   "My old lady and I are thinking about getting married..." "Should we pay off our house or buy a new car?" Budgeting on an irregular income, from the blog: How to Budget With an Irregular Income, "How do I get out of this mess I'm in?" "Should I keep investing while paying off debt?" from the blog: When You Should Stop Investing, Keeping a home as a rental vs. selling it. Support Our Sponsor: Balance of Nature PODS Moving & Storage Christian Healthcare Ministries Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss:   "My dad doesn't take care of my siblings," "Do cost-of-living raises make inflation worse?" "When can I afford to upgrade my car?" "How can I help my mom prepare to retire?" Support Our Sponsor: Churchill Mortgage Zander Insurance Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss:   "I'm worried we're going to run out of money," "I can't get my wife on the same financial page," "My student loans feel impossible to pay off," Take Control of Your Student Loans, "I don't know what to focus on next financially" Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss:  "My wife spent $50,000 on credit cards without telling me", from the blog: Overcoming Financial Infidelity, "It feels like debt is my only option to get a car", from the blog: How to Buy a Used Car Right Now, "Am I morally obligated to pay for my kid's education or should they?" "Do I have to cut up my final credit card even if I don't use it?" Support Our Sponsor: NetSuite DreamCloud Zander Insurance Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link and start budgeting today! www.everydollar.com/jade Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss:  "We disagree on whether or not to sell the house to get out of debt," Bank of America is screwing their customers? Shocker... "How do I get rid of the car I just bought?" Support Our Sponsor: PODS Moving & Storage BetterHelp Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/jade Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss:  "I'm scared my husband is retiring too early," Dave and Jade react to the F.I.R.E. movement, What to do with profits following a divorce, "Should we pay off debt or save for a car?" Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link and start budgeting today! www.everydollar.com/jade Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Ken Coleman & George Kamel answer your questions and discuss:  How to budget when starting a new job at a lower starting income, What to do when the recommendations you give to improve your workplace are shrugged off, If it's a good idea to pay off your house before retiring, from the blog: How to Pay Off Your Mortgage Early If it's smart to take a pay cut to move for health reasons, from the blog: Moving Checklist: How to Make a Smooth Move The best strategies to using extra income to pay off debt faster, from the blog: How to Get Rid of Debt Support Our Sponsor: BetterHelp Zander Insurance Balance of Nature Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/george Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Ken Coleman & George Kamel answer your questions and discuss:  How to plan for a wedding when you owe back taxes to the IRS, from the blog: Tax Debt Relief: How to Handle Back Taxes Why it's up to you to determine your cost of living, from the website: Ramsey Cost of Living Calculator What to do with a severance when you've been laid off, from the blog: What to Do if You're Laid Off How to find other sources of income when your current income is changing, from the blog: 34 Ways to Make Extra Money Support Our Sponsor: PODS Moving & Storage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/george Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Ken Coleman & George Kamel answer your questions and discuss:  Why you should never take out a 401(k) loan as a down payment for a house, from the blog: What Is a 401(k) Loan? And How Does It Work? "Should I feel guilty for not wanting to combine finances with my future wife?"  from the blog: How to Combine Finances as Newlyweds How to budget on irregular income, from the blog: How to Budget With an Irregular Income The core of your life, work, relationships, and finances comes down to your mindset, Why buying a camper to live in full time is a bad option to solving your money problems, "Should I file bankruptcy to get rid of $200,000 of debt?" from the blog: 6 Steps to Avoid Bankruptcy How to make a career change without going into debt, from the blog: How to Make a Career Change Midlife Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/george Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Rachel Cruze answer your questions and discuss:  Budgeting for your business on inconsistent income,  from the blog: How to Create a Business Budget How to prepare for the future when facing a difficult medical diagnosis, from the blog: 8 Types of Insurance You Can't Go Without A Debt-Free Scream from a couple who listened to The Ramsey Show for 30 hours straight, Fill out your Debt-Free Scream application for a chance to do your own Debt Free Scream! Why you should leave retirement savings alone when planning for large purchases in the future, What to do when you owe major taxes on a vehicle that was used as a tax write off. Support Our Sponsor: DreamCloud PODS Moving & Storage BetterHelp Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/TRS Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Dave Ramsey & Rachel Cruze answer your questions and discuss:  Preparing to go down to a single income household while paying off your house, from the blog: How to Pay Off Your Mortgage Early How to navigate Baby Step 3b and Baby Step 4 at the same time, "Should I pause investing while paying off $100,000 of student loans?" from the blog: Pay Off Debt or Save for the Future? Want to learn more? Go to RamseySolution.com/StudentLoans A Debt-Free Scream from a single woman who found confidence to change her life with Dave's common sense financial advice, from the store: The Total Money Makeover by Dave Ramsey Why it's ok to leave a low paying job even when you work for family. Support Our Sponsor: Zander Insurance NetSuite Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/TRS Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Dave Ramsey & Rachel Cruze answer your questions and discuss:  "How do I get started with the Baby Steps when I'm behind on the bills?" from the blog: What to Do When You Can't Pay Your Bills All the financial things you need to take into consideration when buying a house, from the blog: How Much Money Do I Need to Buy a House? When to know if you should keep repairing your vehicle or purchase a new one, from the blog: Is Your Car Worth Repairing? Or Should You Replace It? What you should do with a house after a divorce, from the blog: Finances After the Unexpected: Divorce, Remarriage and Death Why your values around managing money are important to talk about before getting married, from the blog: 12 Questions to Ask Before Marriage Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/TRS Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Dave Ramsey & George Kamel answer your questions and discuss: "Should we pull from retirement to pay off debt?" Focusing on investing vs. saving for a house, "Will student loan repayment cause inflation?" "Should I build my emergency fund or pay off debt?" "How do the Baby Steps transfer to business?" Support Our Sponsor: Zander Insurance BetterHelp Churchill Mortgage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/george Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Dave Ramsey & George Kamel answer your questions and discuss: "Should I get universal life insurance?" Adjustable rate mortgages are making a comeback, from the blog: What Is an Adjustable-Rate Mortgage (ARM) and How Does It Work? "How do I find a good financial planner?" "What should we do with our house?" Support Our Sponsor: Balance of Nature PODS Moving & Storage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/george Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Dave Ramsey & George Kamel interview millionaires to find out how they built their wealth.   Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/george Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Dave Ramsey & Ken Coleman answer your questions and discuss:  "We pulled from retirement early to buy a house..." "How much can I spend on housing?" from the blog: How Much House Can I Afford? "Should I view my student loans as a lump sum of debt?" "My husband's union might go on strike soon" "What's the best way to combine finances?" Support Our Sponsor: Churchill Mortgage NetSuite PODS Moving & Storage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/TRS Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Dave Ramsey & Ken Coleman answer your questions and discuss:  "Can I use my signing bonus to buy a new car?" Comedian Nate Bargatze stopped by to talk about comedy, managing money, helping Dave move houses decades ago, and making more money on comedy than waiting tables at Applebees; "How can we pay off our house early?" "Where is a second mortgage in the Baby Steps?" The difference between a mutual fund and ETF,  from the blog: ETF vs. Mutual Fund: What’s the Difference? Support Our Sponsor: Zander Insurance BetterHelp Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/TRS Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Dave Ramsey & Ken Coleman answer your questions and discuss:  "Is it smart to sell our rental property?" "What should I do with a Social Security payout?" What most millionaire careers have in common, Financially preparing for a job loss. Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/TRS Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss:  "Should I pay off debt before buying another rental property?"  from the blog: How to Invest in Real Estate, "Does my $1000 count toward my 3-6 months emergency fund?" "Should I keep my savings or pay off my 401(k) loan?" Focusing on paying off the house vs. retirement, "My father wants me to buy his business" "How do we sell a vehicle privately?" from the blog: How to Sell a Car, "Should we sell our house to pay off debt?" Support Our Sponsor: PODS Moving & Storage Zander Insurance Balance of Nature Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/jade Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss:  "My ex-husband refuses to pay child support", "How do I talk to my daughters about money", "Should we sell our truck to pay off debt?" Support Our Sponsor: DreamCloud Christian Healthcare Ministries Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/jade Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss:  Financially preparing for life after college, Student loan forgiveness, "How much should I have for a down payment?" "How should I pay for repairs on my house?" Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/jade Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Jade Warshaw & John Delony answer your questions and discuss:  "I feel like if I pay off all my student loans I'll be broke!" Want to learn more? Go to RamseySolution.com/StudentLoans The new Income-Driven Repayment Plan being offered for student loan forgiveness, What to take into consideration when figuring out if you need to move closer to work, from the blog: Ramsey Cost of Living Calculator How to set boundaries with family that won't stop pressuring you about how you spend your money, from the blog: How to Set Boundaries: 7 Simple Steps "Should I refinance my house or take out a loan to pay for home repairs?", from the blog: How to Keep 3 Common Home Repairs From Busting Your Budget Support Our Sponsor: Christian Healthcare Ministries Balance of Nature PODS Moving & Storage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/jade Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Jade Warshaw & John Delony answer your questions and discuss:  "How do I talk to my dad about getting days off work? I haven't had a day off in 2 months!", from the blog: 12 Tips for Running a Family-Owned Business Why financing something for 0% interest will never put you ahead financially, from the blog: What You Need to Know About Zero Percent Financing What to do with a house you can't afford after breaking up with a significant other, from the blog: How to Sell a House How to get your spouse to take finances more seriously, from the blog: What to Do When Spouses Don't Agree on Money The best way to save for college when you have a lot of kids, from the blog: 10 Best Ways to Save for College It's ok to sell your rental property when you're tired of being a landlord. Support Our Sponsor: Zander Insurance Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/jade Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Jade Warshaw & John Delony answer your questions and discuss:  How to stop living paycheck to paycheck after financial infidelity, from the blog: How to Stop Living Paycheck to Paycheck Why the idea of a spending plan is playing semantics with the purpose of a budget, from the blog: 15 Practical Budgeting Tips "I'm a musician - how can I make extra money?", from the blog: 34 Ways to Make Extra Money How to plan for how much house you can afford when getting married, from the blog: How to Budget for a House Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/jade Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

George Kamel & John Delony answer your questions and discuss:  "How do I set boundaries with my mom that keeps asking me for money?" from the blog: How to Set Boundaries: 7 Simple Steps Paying off your house early isn't an "illogical financial approach", from the blog: How to Pay Off Your Mortgage Early Why going into debt to run a business that makes $0 is insane, How to plan for a wedding while paying of $200k in student loans, from the blog: How to Save Money on a Wedding: 27 Tips Support Our Sponsor: Balance of Nature Zander Insurance DreamCloud Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/george Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

George Kamel & John Delony answer your questions and discuss:  "I have $90k of debt and I can't keep doing what I've been doing", from the blog: 28 Ways to Get Out of Debt The hidden ways that owing money affects your mental health, from the blog: How to Stop Worrying About Money Setting up your Debt Snowball for success, from the blog: How the Debt Snowball Method Works "How much are we morally obligated to help my parents financially?" from the blog: How To Talk To Your Parents About Money How to talk with your spouse about getting a job to help meet financial goals, from the blog: How to Talk to Your Spouse About Money Support Our Sponsor: PODS Moving & Storage NetSuite Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/george Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

George Kamel & John Delony answer your questions and discuss:  What to do when you feel called to ministry but can't pay your bills, from the blog: Ministering to the World - Unhindered Bank of America was fined over $100 million dollars for shady business that hurt consumers, What to know when deciding if you should sell your current home before building a new one, from the blog: How to Buy and Sell a Home at the Same Time If you should live with family to save money when moving or let family member pay your mortgage, How to take control of your money and stop frivolous spending, from the blog: How to Change Your Spending Habits Support Our Sponsor: Zander Insurance Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/george Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Ken Coleman & Rachel Cruze answer your questions and discuss:  "My fiancée's mom took out a credit card in her name and we didn't know what to do." Why couples really fight about money,  from the blog: 7 Steps to Stop Fighting Over Money How to determine if the degree you want is worth the time and money, from the blog: How to Choose a Career What to do when figuring out if you should pay off your house or student loans first. Support Our Sponsor: PODS Moving & Storage DreamCloud NetSuite Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/TRS Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Ken Coleman & Rachel Cruze answer your questions and discuss:  If the world is more dangerous than it was when they grew up, "Should I sell my Tesla to get out of Baby Step 2?" from the blog: Should I Pay Off My Car Early? How to deal with paying off debt when ex-spouses names are on debt from the previous relationship, Recent updates on where inflation has risen, and fallen, in 2023 vs 2022,  from the blog: How to Combat Inflation and Protect Your 4 Walls "Should I stay in a toxic work environment to keep my pension and healthcare?", from the blog: How to Handle a Hostile Work Environment Support Our Sponsor: Zander Insurance Christian Healthcare Ministries Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/TRS Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Ken Coleman & Rachel Cruze answer your questions and discuss:  Why you shouldn't have a mortgage that's 40% of your take home pay, from the blog: Mortgage Calculator How to determine how much of an Emergency Fund you need, from the blog: A Guide to Your Emergency Fund "Should we do use a first lien HELOC to buy our first home?" from the blog: Mortgage Options to Avoid What to do when you can't get a hold of your budget and are still living paycheck to paycheck, from the blog: Gazelle Intensity: Do You Have It? How to make lasting family memories for little to no money, "Should I pursue a growing side hustle or take a promotion at work?" from the blog: How to Take Your Side Hustle Full Time Support Our Sponsor: Balance of Nature PODS Moving & Storage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/TRS Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Ken Coleman & George Kamal answer your questions and discuss: The right time to buy a house,  When to make your part time gig your full time career,  How much college students should really expect to make, Do Baby Steps Millionaires need life insurance? Working at a dead end job for the benefits, Living off debt Support Our Sponsor: Zander Insurance PODS Moving & Storage Churchill Mortgage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/george Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Ken Coleman & George Kamel answer your questions and discuss:   Paying down debt or getting a CDL, Taking a pay cut now for long term benefit, Is getting paid via the Cash App a good idea? Should I make my husband be a stay-at-home dad? Renting out my house to pay my new mortgage Getting my mom on the Ramsey plan. Support Our Sponsor: Balance of Nature Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/george Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Ken Coleman & George Kamel answer your questions and discuss:  Should I stay at a job that is bad for my mental health?  $50K in debt and I can't find a job,  Struggling to make traction on our debt, The right time to re-fi, What's the fastest way to pay off $850k in debt? Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/george Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

George Kamel & Jade Warshaw answer your questions and discuss:  George triggered the internet with his most recent YouTube video, from George's YouTube Channel: Why Most People Will Never Be Millionaires What to do with a house when going through a divorce, What Baby Steps George and Jade think are most important, from the blog: How to Win With Money in 7 Baby Steps How to prioritize saving in Baby Step 3 when expecting a baby, "I'm in $100,000 debt and don't know if I should sell my rental properties", from the blog: Should I Sell My Rental Property? Why you shouldn't stop investing while paying off your home, from the blog: How Do I Invest in Retirement, Save for College, and Pay Off the Mortgage at the Same Time? "How can we best use an inheritance when working the Baby Steps?" from the blog: What to Do With an Inheritance Support Our Sponsor: NetSuite Churchill Mortgage Zander Insurance Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/jade Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

George Kamel & Jade Warshaw answer your questions and discuss:  "Should I declare bankruptcy to clear my debt?"  from the blog: Bankruptcy: What It Is and How It Works How student loan repayments will impact the economy,  from the website: Guide to Getting Rid of Your Student Loans What the next financial steps should be after graduating college debt free, "How should I prioritize my loans to get out of $140,000 of debt?" from the blog: How to Get Out of Debt with the Debt Snowball Plan How to navigate handling the finances when a spouse becomes sick and can't contribute financially. Support Our Sponsor: PODS Moving & Storage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/jade Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

George Kamel & Jade Warshaw answer your questions and discuss:  "Can we have sinking funds while paying off debt?"  from the blog: What Is a Sinking Fund and How Do You Create One? How much money American's think they need feel financially secure, If you should invest while saving for a house, from the website: Ramsey Mortgage Calculator "How much we can budget for vacation?" from the blog: A Guide to Vacationing on the Baby Steps "Should we skip investing if we receive retirement pay from the military?" When to know if you can move up in house,  from the blog: How to Upsize Your Home in 3 Steps How to start investing with minimal income, from the blog: How to Start Investing: A Beginner's Guide Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/jade Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Jade Warshaw & Rachel Cruze answer your questions and discuss:  "How much should we put into our sinking funds?" from the blog: What Is a Sinking Fund and How Do You Create One? Why you can't compartmentalize money in your life or your marriage, Should I rent or buy after moving? "Will student loan repayment options hinder our Baby Step 2?" "Should we sell our house to pay off debt?" Support Our Sponsor: Zander Insurance NetSuite Churchill Mortgage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/jade Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Jade Warshaw & Rachel Cruze answer your questions and discuss:  "Can I afford to go visit family while paying off debt?" "What are my best options to save for future life expenses?" What are your money milestones? "Should we lease a car if we only need it for a season?" Support Our Sponsor: PODS Moving & Storage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/jade Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Jade Warshaw & Rachel Cruze answer your questions and discuss:  "Finding support while on the Baby Steps" What it means to be gazelle intense, "Which job should I take?" "How do I get my finances back on track?" Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/jade Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Ken Coleman & Dr. John Delony answer your questions and discuss:  The current jobs report and inflation numbers, "Can I keep charging my sister rent?" "My husband hates his job..." "Can I skip investing to pay off the house?" from the blog: The 7 Baby Steps, "Should we sell our investment property?" "Paying off debt with the debt snowball" from the blog: How the Debt Snowball Method Works Support Our Sponsor: Christian Healthcare Ministries PODS Moving & Storage Balance of Nature Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/TRS Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Ken Coleman & Dr. John Delony answer your questions and discuss:  "Can I afford to move while on Baby Step 1?" from the blog: Relocating Tips: How to Make a Smooth Transition, "I feel like I never have enough money..." Starting over after a divorce, Selling business equipment to pay off debt. Support Our Sponsor: Zander Insurance Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/TRS Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Ken Coleman & Dr. John Delony answer your questions and discuss:  "Should we buy a bigger home if we use it as a rental?" "How can we afford to go back to school?" from the blog: How to Pay for College Without Student Loans, "Should I go to law school?" Advice for dating while paying off debt, "How do I convince my parents to take FPU?" "I'm working for my father-in-law and my pay has been inconsistent..." Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/TRS Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Dr. John Delony & Jade Warshaw answer your questions and discuss:  "How can I help my friends with money?" How student loan repayment plans will affect retailers and people's budgets, from the blog: Supreme Court Strikes Down Biden’s Student Loan Forgiveness Plan, "Will we ever be able to afford a house?" from the blog: How Much House Can I Afford? "I feel hopeless about following the Baby Steps" Support Our Sponsor: Churchill Mortgage Balance of Nature Zander Insurance Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/jade Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Dr. John Delony & Jade Warshaw answer your questions and discuss:  "How can I get my husband on board?"  Why emergencies become inconveniences when you have financial peace, "Can I afford to move to a cheaper area?" from the blog: Relocating Tips: How to Make a Smooth Transition, "Should I pay off my student loans right now?" "How should we prepare for digital currency?" Support Our Sponsor: PODS Moving & Storage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/jade Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Dr. John Delony & Jade Warshaw answer your questions and discuss:  "We're deeply in debt and being sued," "Should I sell my house to pay off debt?" from the blog: Should You Sell Your Home to Knock Out Debt? Paying off debts vs. earning interest on investments, from the blog: When You Should Stop Investing Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/jade Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show tomorrow. Let us know what you think in the comments. Support Our Sponsor: PODS Moving & Storage DreamCloud NetSuite Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/TRS Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show tomorrow. Let us know what you think in the comments. Support Our Sponsor: Zander Insurance Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/TRS Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show tomorrow. Let us know what you think in the comments. Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/TRS Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show soon. Let us know what you think in the comments. Support Our Sponsor: DreamCloud Zander Insurance PODS Moving & Storage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/TRS Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show soon. Let us know what you think in the comments.   Support Our Sponsor: Balance of Nature Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/TRS Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show soon. Let us know what you think in the comments. Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/TRS Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

George Kamel & Ken Coleman answer your questions and discuss:  What to do now that the Supreme Court has shut down Student Loan Forgiveness, Looking to learn more?  Check out the Guide to Getting Rid of Your Student Loans "Should I sell my Tesla stock to pay off my mortgage?"  from the blog: Should I Use My Investments to Pay Off Debt? When to know if you should leave a job that's overworking you, from the website: Should I Quit My Job Quiz The best way to account for your "4 walls" in your budget, from the blog: 4 Things You Must Include in Your Budget "Should I move and change jobs because where I live has a high cost of living?" from the blog: Where Should I Move? Support Our Sponsor: Churchill Mortgage NetSuite Zander Insurance Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/george Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

George Kamel & Ken Coleman answer your questions and discuss:  The best place to keep money saved when facing large medical expenses, "Should we move in with family to save money?",  When it's beneficial to downsize your home to meet other financial goals,  from the blog: Downsizing Your Home: 3 Money Benefits The power of compound interest,  from the blog: How Does Compound Interest Work? Why you shouldn't use high-yield savings to out earn the interest you're paying on debt, "Should I offer 50% to the credit card to settle past due debt?", from the blog: How to Deal With Debt Collectors When You Can't Pay Support Our Sponsor: PODS Moving & Storage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/george Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

George Kamel & Ken Coleman answer your questions and discuss:  "Should I pay off my debt with variable interest before my other debts?" Why a new car with the extended warranty doesn't provide you more security than a used vehicle, from the blog: Are Extended Warranties Worth It? The potential collapse of Airbnb and how that effects those invested in short term rentals, from the blog: How to Invest in Real Estate What to do when taking care of your house is taking up too much of your time and money, from the blog: How to Budget for a House "What should I do when my husband and I don't agree on buying a car from a dealership or private party?", from the blog: 10 Car Buying Tips Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/george Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Rachel Cruze & Ken Coleman answer your questions and discuss:  What to do when you can't afford the minimum payments on your student loans, from the blog: How to Pay Off Student Loans Quickly: 10 Easy Steps for Success "How can I get my husband more excited about giving?", from the blog: The Importance of Giving Back Millennials taking on $1,000 side hustles to make ends meet, How to start saving for college, from the blog: 10 Best Ways to Save for College If it's worth it to take a pay cut to pursue a new career. Support Our Sponsor: NetSuite DreamCloud PODS Moving & Storage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/TRS Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Rachel Cruze & Ken Coleman answer your questions and discuss: What to do when your spouse isn't on the same page and continues to financially sabotage themselves, from the blog: How to Survive Divorce: Protect Yourself and Your Finances When you don't owe anyone anything you have autonomy and options, from the blog: 10 Characteristics of Debt-Free Living "Should I invest in a company 401(k) as an intern?", How to pay off debt with an inconsistent income,  from the blog: How to Budget With an Irregular Income Mastercard is joining Ramsey Solutions and finally trying to get users to cut up credit cards - but for a different reason, How to choose a side hustle in while in Baby Step 2.  from the blog: 27 Side Hustle Ideas to Earn Extra Cash Support Our Sponsor: Zander Insurance BetterHelp Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/TRS Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Rachel Cruze & Ken Coleman answer your questions and discuss:  "I'm 27 and don't know if I should move out of my dads house",  from the blog: 4 Mistakes to Avoid When Renting When to know you can quit working for a toxic boss, What to do when you keep getting hit with financial issues as a single mom, from the blog: Budgeting Tips for Single Moms "Am I moving up in my career too quickly?" from the blog: How to Get a Promotion at Work Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/TRS Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Ken Coleman & George Kamel answer your questions and discuss:  How to budget on an irregular income, from the blog: How to Budget With an Irregular Income The best accounts to use when saving for college tuition and home purchases,  from the blog: How to Start a College Fund How "Buy Now, Pay Later" is exploding and users are struggling, from the blog: Buy Now, Pay Later? Why Installment Payment Plans Are Hurting Your Wallet How to know if you can afford to purchase a vacation home, from the blog: How Can I Afford a Vacation Home? Support Our Sponsor: PODS Moving & Storage Zander Insurance BetterHelp Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/george Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Ken Coleman & George Kamel answer your questions and discuss:  The importance of combining finances with your spouse when you get married, from the blog: And Two Become One: How to Combine Bank Accounts Why the FIRE movement can lead to concerns about having enough money, from the blog: Can I Retire Early? What to do when your values don't match your career, How to decide if you should take a severance and find a new job or risk staying and being laid off, from the blog: What to Do if You're Laid Off? "How can I be more generous outside of tithing?", from the blog: The Generosity Effect Support Our Sponsor: Balance of Nature DreamCloud Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/george Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Ken Coleman & George Kamel answer your questions and discuss:  How to be financially prepared for unpaid paternity leave, from the blog: How Much Does It Cost to Have a Baby? How credit card rewards may be affected by new legislation, from the blog: Are Credit Card Points Worth It? "Should I use my HSA to pay off my truck?", from the blog: What Qualifies for HSA Medical Expenses? "Why is it so back to use credit cards if you can use them responsibly?", from the blog: Do I Need a Credit Card? from The Fine Print Podcast: The True Cost of Credit Card Rewards  The best way to balance paying off student loans when you need a vehicle, Why you shouldn't take out student loans for a career just because of the salary, from the blog: Is College Worth It? Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/george Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Rachel Cruze & John Delony answer your questions and discuss: "Should I pause the Baby Steps while I go through a career change?",  How to cash flow the purchase of a vehicle while in Baby Step 1, The best way to pay for graduate school without going into debt, from the blog: How to Pay for College Without Student Loans How you should invest the profits from the sale of flipping houses, Some lifestyle changes you should be aware of when paying off all your debt, from the blog: Living Without a Credit Score Support Our Sponsor: Balance of Nature PODS Moving & Storage BetterHelp Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/TRS Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Rachel Cruze & John Delony answer your questions and discuss:  "I'm tired of not being the provider for my family and don't know how to change that", from the blog: Money and Marriage: 7 Tips for a Healthy Relationship If you should start saving for your kids college before their born,  from the blog: How to Invest for Your Children's Future "I'm upside down on my car loan with 28% interest - what should I do?",  from the blog: How to Get Out of an Upside-Down Car Loan What you should take into consideration when calculating how much house you can buy, from the blog: How Much House Can I Afford? When you should sell your vehicle to pay off all my debt,  How much Americans spend on fireworks every year for the July 4th, "Should I give my ex-wife more than she's entitled to after our divorce?"  Support Our Sponsor: Christian Healthcare Ministries Zander Insurance Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/TRS Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Rachel Cruze & John Delony answer your questions and discuss:  What to do when you can't agree with your spouse on how much you can spend on a house, from the blog: What to Do When Spouses Don't Agree on Money "Should I focus on paying off my mortgage or investing for retirement?",  An inspiring story of how much peace and stability comes with finally being completely debt free,  Want to do your Debt Free Scream LIVE on the air? Fill out your Debt Free Scream Application today,  What to do when you have family members that won't listen to your money advice. Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/TRS Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

George Kamel & John Delony answer your questions and discuss:  "How do I budget on an irregular income?",  from the blog: How to Budget With an Irregular Income What to expect with student loans payments starting back in October,  from the website: Borrowed Future: How Student Loans Are Killing The American Dream "I have $60k in debt and don't know how to tackle this as a single mom",  from the blog: Budgeting Tips for Single Moms How to feel less emotionally drained when starting on the Baby Steps,  What to do when you've prepared for big life change and still feel anxious. Support Our Sponsor: Zander Insurance Churchill Mortgage Balance of Nature Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/george Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

George Kamel & John Delony answer your questions and discuss:  "How do I get my finances back in order after a gambling addiction?",  What to do when you feel guilty about living far away from family, Why Apple's new high-yield savings account isn't as good as it seems, "Should I use my HSA as an investment account?",  from the blog: How to Make the Most of Your HSA Investment How to prepare for marriage when one person has debt and the other does not,  from the blog: 4 Steps to Make the Best of Marriage and Debt Support Our Sponsor: PODS Moving & Storage BetterHelp Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/george Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

George Kamel & John Delony answer your questions and discuss:  How to work the Baby Steps while going through a divorce,  from the blog: Divorce Checklist: How to Prepare for Divorce What to do when when you owe money to family and the federal government for your student loans,  "Should I use my 401(k) as a down payment for my house?",  from the blog: The High Price of a 401(k) Withdrawal What you should take into consideration when deciding to work less to be home with your kids. Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/george Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Ken Coleman & Rachel Cruze answer your questions and discuss:  "Should I sell stocks to pay off my car?" from the blog: Should I Use My Investments to Pay Off Debt? How the Fed raising interest rates affects you and your money, Saving for a house while paying off debt, "I feel stuck in my career", Support Our Sponsor: NetSuite Zander Insurance BetterHelp Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/TRS Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Ken Coleman & Rachel Cruze answer your questions and discuss:  "Should we sell our house to pay off debt?" "We have over $100,000 in car loans..." from the blog: How to Get Out of a Car Loan, "Pay off my rental first or my home?" "How can I be more competitive in the job market?" Support Our Sponsor: PODS Moving & Storage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/TRS Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Ken Coleman & Rachel Cruze answer your questions and discuss:  "Should we sell our rental properties?" "My business isn't making as much as I thought", "Should we pull from retirement to pay for our daughter's school?" Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/TRS Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Dave Ramsey & George Kamel answer your questions and discuss:  "How do I best refinance my student loans?" Alex Hormozi on building wealth, investing in what you know, and investing in your own education, "Can I afford to move out of my parents' house?" "Stay at home with the kids or find a new job?" Support Our Sponsor: Christian Healthcare Ministries Balance of Nature PODS Moving & Storage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/george Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss:  "Should we downsize our home to become debt free?" "How can I get my finances back on track?" "Should we pause retirement to make ends meet?" My mom got married to someone we don't know and didn't sign a prenup" Support Our Sponsor: BetterHelp Zander Insurance Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/jade Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave & Jade interview millionaires to find out how they built their wealth. Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/jade Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

George Kamel & Ken Coleman answer your questions and discuss:  How to work as a team with your spouse around money, "Should I sell the house to pay off debt?" "How can I get rid of my debt for good?" Support Our Sponsor: Zander Insurance PODS Moving & Storage Balance of Nature Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/george Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

George Kamel & Ken Coleman answer your questions and discuss:  Has tipping become “entitlement tax”? Deciding whether or not to stay at a job, "Should I sell my car to pay off debt more quickly?" "Which mortgage should we pay off first?" "I regret my career choice but don't know where to go." Support Our Sponsor: NetSuite Churchill Mortgage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/george Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

George Kamel & Ken Coleman answer your questions and discuss:  "What should we do with. my husband's car?" "When should I apply for my dream college?" Staying motivated in Baby Steps 4, 5 & 6, "What should I do after selling my house?" "I'm paralyzed about starting the Baby Steps" Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/george Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Ken Coleman & Jade Warshaw answer your questions and discuss:  "How do I zero in on the job I should find?" "Should I pay off my debt or save up for a down payment?" Finding the perfect side hustle from the blog: 27 Side Hustle Ideas to Earn Extra Cash, "Should we keep our duplex or sell it?" Support Our Sponsor: DreamCloud Churchill Mortgage Zander Insurance Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Ken Coleman & Jade Warshaw answer your questions and discuss:  How do I get started investing? from the blog: How Does Compound Interest Work? Pursuing your passion while still providing for your family, "Is it unethical to use my G.I. bill to go to school?" Investing vs. paying off the home, "How can I get my parents to make better decisions?" The best type of account to use for saving money. from the blog: What Is a High-Yield Savings Account and Do I Need One? Support Our Sponsor: PODS Moving & Storage BetterHelp Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Ken Coleman & Jade Warshaw answer your questions and discuss:  "Is there such a thing as good debt?" Romance scams are on the rise, The value of taking your time and stacking cash, "We're $400k in debt as newlyweds; should we sell our house?" "How do I get an apartment with no credit score?" from the blog: Living Without a Credit Score, Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today!” www.everydollar.com/jade    Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss:  How paying extra on your house is like a forced savings plan, "Am I making enough money?" The best way to pay off student loans. Support Our Sponsor: PODS Moving & Storage BetterHelp DreamCloud Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss:  "Should we buy land right now?" "What's the difference between a bear and bull market?" "I took out a HELOC to flip a house and now I can't sell it", Dave walks through his first experience flipping houses. Support Our Sponsor: Zander Insurance Balance of Nature Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss:   Why you shouldn't continue to invest while paying off debt, "How do we split this inheritance?" "Should I change careers to earn more money?" Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dr. John Delony & Rachel Cruze answer your questions and discuss:  "My mother-in-law wants us to pay her back for student loans she was already refunded for", The real reason many couples don't share a bank account, "I don't want to go back into debt for a house", "How much should I be saving for retirement?" from the blog: How to Save for Retirement Support Our Sponsor: Balance of Nature PODS Moving & Storage BetterHelp Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dr. John Delony & Rachel Cruze answer your questions and discuss:  "We want to move in together but have debt",  "Should we pay off the house if we might move?" "Where does school fall into the Baby Steps?" "How can I buy a house on my income?" "Should we fully fund our retirement?" Paying off debt in collections, from the blog: How to Deal With Debt Collectors When You Can’t Pay Support Our Sponsor: Zander Insurance Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dr. John Delony & Rachel Cruze answer your questions and discuss:  "I feel like I'm not actually living financially well" "Should I use mutual funds to pay off my house?" "How can we take a nice vacation on a budget?" "Should I move into a van to save money?" "Sell my car to pay off debt?" "Paying off debt with medical issues" Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & George Kamel answer your questions and discuss:  "Will paying off student loans hurt my credit?" Why Roth investments beat traditional, from the blog: What Is a Roth IRA? "Should I move out on my own to be closer to work?" Support Our Sponsor: BetterHelp Zander Insurance Balance of Nature Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & George Kamel answer your questions and discuss:  "Should I pay off my home before my student loans?" Habits of successful millionaires, How debt is pushed on immigrants when they come to the US, "Should I pay off my debt before buying a rental?" Support Our Sponsor: PODS Moving & Storage NetSuite Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & George Kamel answer your questions and discuss:  "Should I sell generational land I inherited?" "My fiancé wants to keep his credit cards..." "My financial advisor wants me to invest before paying off debt." Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Rachel Cruze answer your questions and discuss:  "Should I take out a car loan so I can keep my employer's car allowance?" "Can I put my kids on our payroll so we can put money into a 401(k) for them?" Selling a house to pay off debt, from the blog: Should You Sell Your Home to Knock Out Debt? How spouses can balancing handling finances together. Support Our Sponsor: PODS Moving & Storage Churchill Mortgage Christian Healthcare Ministries Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Rachel Cruze answer your questions and discuss:  "Roll my credit card debt into my mortgage?" "Should I leave everything to my wife in the will?" "Is the goal of wealth realistic at 70 years old?" Should we move in with my in-laws to save money?" Support Our Sponsor: Zander Insurance DreamCloud Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Rachel Cruze answer your questions and discuss:  "Should we buy a house from family?" Dr. Meg Meeker on fatherhood, "I feel like I'm focusing on too many things" Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss:  "Why shouldn't I take advantage of credit card points for travel for work expenses?" Preparing for a job loss, "Should I change companies for a raise?" Setting financial boundaries with parents, Navigating a family tragedy. Support Our Sponsor: Zander Insurance PODS Moving & Storage NetSuite Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss:  "Should we pay cash to build a house or invest that money?" Pausing the Baby Steps to save for a funeral, "Should I give money to my friend?" Focusing on debt vs. increasing income, Budgeting with a baby on the way, "I want a divorce but cannot afford it" Support Our Sponsor: BetterHelp Balance of Nature Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss:   "My boss is using company funds to pay his bills..." "How do I prepare to start a business?" "Should I sell off assets to pay off mortgage?" Focusing on loans vs. increasing income, "My bank told me I need a credit score" "Sell our house to pay off student loans?" "Should I invest part of my HSA account?" Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Dr. John Delony answer your questions and discuss:  Financially planning an exit from a toxic dating relationship, The "Marriage Advantage", "Should I sell my car to get out of debt?" from the blog:  "Why is an ARM a bad mortgage?" Dealing with a toxic estate planning situation. Support Our Sponsor: Churchill Mortgage DreamCloud Zander Insurance Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Dr. John Delony answer your questions and discuss:  Budgeting for medical expenses,  from the blog: How to Get Help With Medical Bills, "Is there a gift tax for 529 contributions?" Planning to build a house, "Should we pay off vehicles or send kids to private school?" Support Our Sponsor: PODS Moving & Storage BetterHelp Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Dr. John Delony answer your questions and discuss:  "Should I let my parents pay for my vehicle repairs?" Walking the Baby Steps while battling cancer, Contributing to an HSA while paying off debt, How to use a large inheritance, "How do I get out of $56k of debt as a single mom?" Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Ken Coleman & George Kamel answer your questions and discuss:  "How do I talk to my family about starting my own business?" The #1 reason most people are afraid to ditch their credit cards, "What's the best way to budget my extra income?" from the blog: Learn to Budget, "How can I retire early?" Support Our Sponsor: Christian Healthcare Ministries Churchill Mortgage PODS Moving & Storage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Ken Coleman & George Kamel answer your questions and discuss:  "Should I refinance my student loans?" "Pay off my house or save?" "What should I do with my new raise?" "How do I make my first real estate purchase?" Side hustle ideas, from the blog: 27 Side Hustle Ideas to Earn Extra Cash, "Should I let go of this dream of building my own home?" Support Our Sponsor: Zander Insurance Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Ken Coleman & George Kamel answer your questions and discuss:  "Should I sell my Tesla?" Buying a house, "Creating financial boundaries with my parents" "Should I start a restaurant?" "How do I start tackling my debt?" Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss:  "Should I get a prenup?" Don't try to be the sexy hare that lost the race; be the boring turtle that won it, "Should I sell my car to get out of debt?" Why you shouldn't invest while still trying to pay off debt, "I have $300k in debt and feel stuck" Support Our Sponsor: PODS Moving & Storage BetterHelp Zander Insurance Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss:  5 things people don’t understand about the Ramsey Plan, The problem with being high income-earning and broke, Selling a house to be closer to a job, "How much can I spend on hobbies while investing and building wealth?" Support Our Sponsor: Churchill Mortgage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss:  "Getting my husband on board with the plan", "Should I increase my emergency fund for car repairs?" "My girlfriend's family wants me to pay for my flight for this trip" How the Baby Steps apply to people without kids, Teaching kids to be wise with money.  Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Dr. John Delony answer your questions and discuss:  Buying siblings out of an inherited home, "My wife wants to borrow $7k for MLM training", "Should I sacrifice time with my son to get out of debt?" Selling a rental house, Withdrawing from a 401(k) to pay off debt. from the blog: The High Price of a 401(k) Withdrawal Support Our Sponsor: NetSuite Zander Insurance DreamCloud Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Dr. John Delony answer your questions and discuss:  "We have a lot of debt and nothing for retirement", "I'm upside down on my car, what should I do?" "How much should we put down on a house?" from the blog: How Much Down Payment Do You Need on a House? What to do with an old pension plan, "Should we sell our condo?" Support Our Sponsor: PODS Moving & Storage BetterHelp Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Dr. John Delony answer your questions and discuss:  "I owe over $200K in student debt, what do I do?" "My husband passed away and I don't know what to do", "How do I help my wife deal with mental health issues?" "Am I too old to take out a student loan?" Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss:  "I keep pulling money out of my retirement for emergencies",  "Should I pay off my mortgage with my life insurance money?" "How do I build the kind of wealth that Dave Ramsey has built?" Paying off debt with a low income, from the blog: How the Debt Snowball Method Works, "Should we pause the baby steps to move?" Support Our Sponsor: DreamCloud BetterHelp PODS Moving & Storage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss:  "Should my husband take this promotion?" Why you shouldn't buy a rental property with debt, Student loan pause coming to an end, Managing money after a spouse has passed away. Support Our Sponsor: Zander Insurance Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss:  "I left my toxic job to start my own business", "Is $1.4m enough to retire on?" "Should we consolidate our debt?" How much tax is due when cashing out stock, Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & George Kamel answer your questions and discuss:  Is Dave inconsistent about his views on debt in collections? "What does it mean to be 'house poor' and why is it bad?" from the blog: How Much House Can I Afford? "Should we pay off our car with home profits?" Opening up a savings account for a baby, "Should I lower my 401(k) to pay off the house?" Pausing the baby steps to cash flow a wedding. from the blog: When to Pause Your Debt Snowball Support Our Sponsor: Zander Insurance PODS Moving & Storage BetterHelp Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & George Kamel answer your questions and discuss:  "Should we be panicked about AI?" "Should we sell our rentals to pay off our home?" The Vikings stadium is about to be paid off, Learning to overcome fear and spend money, "Should my husband have a Roth IRA?" "How do I stay motivated on Baby Step 3?" Support Our Sponsor: NetSuite Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & George Kamel answer your questions and discuss:  "How do I find a house without an HOA?" "How do I start paying off my debt?" "Should we get another mortgage?" How to pay for med school, "My husband and I disagree about credit cards" Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

George Kamel & Jade Warshaw answer your questions and discuss:  "Should I quit van life and sell my van to use as a down payment?", Jade & George share their monthly subscriptions and how they budget for them,  from the website: 5-Minute Coverage Checkup How to save for retirement when self-employed,  from the blog: 5 Investing Options for Self-Employed People "I have major storm damage to my house from a landslide and don't know if I should finance the repairs," "I'm $80k in debt and feel completely lost on how to get out of this,"  How to know if you should quit a commission job if you're not making enough income. Support Our Sponsor: NetSuite BetterHelp Zander Insurance Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

George Kamel & Jade Warshaw answer your questions and discuss:  "Why should I pay off my mortgage instead of keeping money in my CD?",  "Should I pay off my fiancée's debt with my savings?",  How doing the math on student loan payments proves that making larger payments now benefits you in the long run,  "What should I be doing to set up my kids for a successful financial future?",  How to decide if you should sell your car to get out of debt,  "We have $360k in student loans and don't know if we should use profits from the sale of our home to pay them off." Support Our Sponsor: PODS Moving & Storage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

George Kamel & Jade Warshaw answer your questions and discuss:  "I was told to pull from my 401(k) to let other people invest it for me. Is this a good idea?", How to start investing, from the blog: How to Invest Money in 5 Simple Steps What to do when paying off debt and you get laid off, from the blog: How to Budget After a Job Loss Why trying to play the credit game is "mind numbingly stupid," "Should we borrow from our Roth IRA to pay off my house?", from the blog: Should I Take Money Out of My IRA to Pay Off Debt? Why paying for rental property with cash is better than a loan, from the blog: How to Invest in Real Estate Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Jade Warshaw & George Kamel answer your questions and discuss:  "Can we afford to let my wife quit her job to be a stay at home mom?", Why going further into debt isn't the answer to get out of debt,  from the blog: What Is a 401(k) Loan? And How Does It Work? "How do we get back on the Baby Steps after getting hit hard the last 2 years?",  How intense you should be about paying off your mortgage when you still have consumer debt. Support Our Sponsor: Zander Insurance DreamCloud PODS Moving & Storage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Jade Warshaw & George Kamel answer your questions and discuss:  Why you should always make sure you have the proper coverage for your vehicle and family that drives them, from the blog: Protect Yourself With The Right Coverage "What should I do with money I saved for school now that I got a full ride scholarship?",  How TurboTax cheated millions of people,  from the The Fine Print Podcast with George Kamel: How TurboTax Is SCREWING You "Should I sell my house to be completely debt free after a divorce?", from the blog: Finances After the Unexpected: Divorce, Remarriage, and Death "How do we get out of $50k of debt with low income?",  from the blog: How to Get Out of Debt on a Low Income Support Our Sponsor: Christian Healthcare Ministries BetterHelp Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Jade Warshaw & George Kamel answer your questions and discuss:  "We're getting kicked out of my grandpa's retirement community and we don't know if we should rent or buy,"  from the blog: Should I Rent or Buy a House? Why it's important to share the same financial values with your significant other,  "Should I insure my engagement ring?",  from the blog: How to Buy an Engagement Ring: 5 Tips How to financially prepare for a layoff,  "Should we move away from family so we can afford a house?",  from the blog: How Much House Can I Afford? The best ways save for upcoming medical expenses. Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

George Kamel & John Delony answer your questions and discuss:  "How do I stay out of debt for good?",  from the blog: How to Pay Off Credit Card Debt "When does saving money and living with my parents become crutch?", "Should we sell our house to pay off debt?", "How do I start investing to create a stable financial future?",  from the blog: How to Start Investing: A Beginner's Guide Support Our Sponsor: BetterHelp Churchill Mortgage Zander Insurance Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

George Kamel & John Delony answer your questions and discuss:  "How do I explain to my wife that the risk isn't worth the reward with credit cards?",  from the blog: Living Without a Credit Score  from The Fine Print Podcast with George Kamel: The Dirty Truth Behind Your Credit Score How to increase income as a single mother that can't make ends meet,  from the blog: How to Increase Your Income Why you turn off social media and stop worrying about the world burning down around you,  "My girlfriends debt is having a negative impact on our relationship". Support Our Sponsor: PODS Moving & Storage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

George Kamel & John Delony answer your questions and discuss:  "Should I take out student loans so I can make a career change?",  "My husband keeps lying to me about our financial situation",  from the blog: Overcoming Financial Infidelity How to decide about selling your house when moving, "Should we continue living with family when there's major tension between my wife and my mom?",  What to do when parents are stealing money from their kids.  Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Jade Warshaw & John Delony answer your questions and discuss:  "How do we prepare to be on a single income?",  from the blog: How to Make a Budget: Your Step-by-Step Guide How do prepare for marriage when your on different Baby Steps,  "How do I stick to my debt payoff plan when friends and family don't agree with my plan?",  What to do when you have a good job but want to go back to school for a career change, "I was in Baby Step 4 then went back in debt $60k - how do I get out of this?", Support Our Sponsor: PODS Moving & Storage Zander Insurance NetSuite Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Jade Warshaw & John Delony answer your questions and discuss:  "How do I make a budget off commission?",  from the blog: How to Budget With an Irregular Income When to know if it's time to sell your business,  The inspiring story of a social worker and a civil engineer that didn't give up on their Debt Free Journey, What to do when deciding if you should keep or sell family land. Support Our Sponsor: DreamCloud Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Jade Warshaw & John Delony answer your questions and discuss:  "Should I buy land to live in a camper during college?", 5 Signs That You'll Never Be Rich, from the blog: How to Build Wealth at Any Age Why you should keep business savings and personal expenses separate,  from the blog: Best Small-Business Bookkeeping and Accounting "Should I sell my car and buy a cheaper one with cash?", from the blog: How to Sell a Car Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show tomorrow. Let us know what you think in the comments. Support Our Sponsor: Churchill Mortgage BetterHelp  PODS Moving & Storage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show tomorrow. Let us know what you think in the comments. Support Our Sponsor: Zander Insurance Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

While we're out for the holiday, we've compiled our favorite moments from the year so far into a special episode. We hope you enjoy it and we'll be back with a live show tomorrow. Let us know what you think in the comments. Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Ken Coleman & John Delony answer your questions and discuss:  "Should I go to college for business if I already have a business?" How you don't always need a degree to have a high-paying job, from the blog: 25 High-Paying Jobs That Don't Require a 4 Year Degree "We're expecting our 2nd kid and don't know how to get out of debt", How you and your spouse can get on the same page about paying off debt, from the blog: How To Talk To Your Spouse About Money "My roommate is moving out and I don't think I can afford my house", How to find another job in the technology field to increase your income, from the blog: BethelTech.net/KenColeman Support Our Sponsor: DreamCloud Zander Insurance PODS Moving & Storage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Ken Coleman & John Delony answer your questions and discuss:  "How do I pay for college for 9 kids?",  from the blog: 10 Ways to Pay for College from the store: Foundations in Career Discovery Why your credit score is a bad indicator for true wealth, "I loaned $25k to my brother and his girlfriend and they won't pay me back", from the blog: Should You Ever Loan Money to Family? "Is it ethical to have two remote full-time jobs at the same time?" Support Our Sponsor: Churchill Mortgage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Ken Coleman & John Delony answer your questions and discuss:  "How do my wife and I get on the same page with our spending habits?", What to do when feeling lonely at work, from the blog: How to Deal with Loneliness When it's beneficial to change degrees to reach career goals faster, "The dealership told me it's cheaper to finance through them than to pay cash", from the blog: How to Buy a Used Car Right Now "My girlfriend has high expectations for a house - how can I afford this?", from the website: Ramsey Mortgage Calculator Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Dr. John Delony answer your questions and discuss:  "My fiancée's father unfairly put a lien on her car", Saving for retirement on an irregular income, Pulling money from stocks to pay off the house, from the blog: Should I Use My Investments to Pay Off Debt? "How do I avoid feeling embarrassed when people judge me for living below my means?" The best way to get out of debt, "Should I use my emergency fund to pay off my house?" Support Our Sponsor: PODS Moving & Storage BetterHelp Churchill Mortgage Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Dr. John Delony answer your questions and discuss:  "How can I help my foster son make better financial decisions?" Why the pause on student loan repayments actually caused borrowers to go into even more debt, the study: The Student-Loan Payment Pause Led Borrowers to Take on More Debt, How to manage money well in retirement. Support Our Sponsor: Zander Insurance Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Join a Personality-led FPU class. Click here! Enter The Ramsey Cash Giveaway for a chance at $3,000! https://bit.ly/TRSgvwy Shop our bestsellers during the $10 Sale! https://bit.ly/TRS10Sale Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

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