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The Ramsey Show
Author: Ramsey Network
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The Ramsey Show believes you can build wealth and take control of your life—no matter what stupid mistakes you've made with money. Join as Dave Ramsey and his team of experts answer your questions on the top problems holding you back. Listen now or ask your question live by calling 888.825.5225 weekdays from 2–5 p.m. ET. Learn more at www.ramseysolutions.com
180 Episodes
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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
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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."
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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!
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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?"
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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
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Balance of Nature
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Want a plan for your money? Find out where to start: Click Here
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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
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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?"
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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?"
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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
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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?"
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Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET
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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?"
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Balance of Nature
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Christian Healthcare Ministries
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Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET
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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.
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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
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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
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Churchill Mortgage
BetterHelp
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Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET
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Listen to all The Ramsey Network podcasts: Click Here
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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
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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:
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EveryDollar, budget for the life you want today for free: Click Here
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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:
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EveryDollar, budget for the life you want today for free: Click Here
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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
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EveryDollar, budget for the life you want today for free: Click Here
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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:
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DreamCloud
BetterHelp
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Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET
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Want a plan for your money? Find out where to start: Click Here
Listen to all The Ramsey Network podcasts: Click Here
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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
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Balance of Nature
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EveryDollar, budget for the life you want today for free: Click Here
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This was a good one had a several laughs thank you for always putting on a good listen .
I've been tuning in to "The Ramsey Show" for a while now, and I have to say, it's been such an insightful and motivating experience. Dave Ramsey's advice on personal finance and wealth management is truly one-of-a-kind. Whether you're just starting your financial journey or looking to fine-tune your strategies, there's always something to learn from his show. https://www.houzz.co.uk/hznb/professionals/design-and-build/printing-mart-pfvwgb-pf~1204509260? One thing that really stands out to me is Dave's emphasis on living within your means and getting out of debt. It's not about depriving yourself of everything, but rather making intentional choices that align with your long-term goals. The success stories shared on the show are incredibly inspiring and show that with dedication and a solid plan, financial freedom is achievable. https://www.brownbook.net/business/51933583/printing-mart/
anytime Jade is on the show it's an instant skip.
Gosh, Ken Coleman is so rude - even to his colleagues. Cringe.
Dr. Phil has done umpteen shows on romance scams. Sending thousands to people they've never met. Sad.
Bless those debt free people!
I love your advice, but I gave to tell you that music at the beginning of your show is harsh, irritating & too long since you begin talking under the music. Please don't talk until music stops!
Good grief Dave get over the Fauci thing already
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wasn't the first caller from a month ago?
Found a new Ramsey personality. Real estate specialist! Why not?
With their convenience, consistency, versatility, and delicious flavor, electric smokers are a great way to cook up delicious meals for family and friends. So why not consider adding one to your collection today? https://drelectricsmoker.com/best-electric-smoker-under-200/
freetaxusa.com is the best tax software I've used in my life. only $15 for state, Fed is free.
I love this episode. Thank you so much. Love from #longisland #ny super helpful
Thank you for changing my life and empowering me and so many ways God bless each one of you. #excitedforthefuture #willforeverbealistner #thankyouforyourwisdom
Geez O Pete Ken Coleman is such a jerk. Knock that chip off your shoulder and listen to what the callers are saying.
I'm confused, with the car lease, you don't get to keep the car to sell, right? how can he sell the car after paying off the lease?
Dave is a bit more cranky thank usual because the big red wave he was boasting about last week didn’t happen.
Remember – if something sounds too good to be true, it probably is. Learn to recognize the warning signs of a bad deal and steer clear of companies that exhibit these qualities. Get Comfortable with the Litigation Process Once you have a few portfolios under your belt, you will inevitably run into debtors who refuse to pay. Though it may be tempting to shy away from legal action, you need to be prepared to take debtors to court in. Otherwise, you could follow the link https://www.debexpert.com/blog/how-to-sell-debt-to-a-debt-buyer and learn how to sell debts on Debexpert.