The Ramsey Show

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