📈 Are you on track with the Baby Steps? Get a free personalized plan.
Dave Ramsey and Dr. John Delony answer your questions and discuss:
"Should I borrow from my 401(k) to start a business?"
"How do I work the Baby Steps when the Department of Treasury is threatening to garnish my wages?"
"How does Baby Step 6 work if I will be moving every few years?"
"How do I deal with people asking for my deceased husband's personal belongings?".
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2:16:33
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2:16:33
You’ll Always Live Paycheck-to-Paycheck Until You Have a Budget
🎟️ The Ramsey Show Live Tour: Tell us where we should go next!
Jade Warshaw and Ken Coleman answer your questions and discuss:
"Should we sell our home to get out of debt?"
"I don't see how I can finish college without taking on more debt..."
"Should I sell my rentals?"
"Can I afford to retire now?"
"How do I pay off a 401(k) loan?"
"Should I take out a loan to speed up building my house?"
"How do I financially prepare to leave my husband?"
"Is it normal to have difficulties changing from using credit cards to cash?"
"How do I make a budget?"
"My ex-wife and I disagree on the purchase of our son's first car..."
"The sale of our family business went sideways and wiped out my retirement..."
"My car is totaled and I don’t have savings. Should I get a car loan?"
"Should I pursue a relationship with a man when I'm not sure I trust him financially?"
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2:19:31
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2:19:31
Big Incomes Don’t Cancel Out Bad Decisions
Dave Ramsey and George Kamel answer your questions and discuss:
"We're $500K in debt, can we afford new cars?”
"My girlfriend will lose her pension if we get married"
"How do we pay off $500k of medical debt?"
"Is there a limited amount of wealth available?"
"My husband keeps refusing to combine finances,"
"Should we usse our savings to pay off our student loans?"
Living paycheck-to-paycheck on $600K a year.
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🛡️ Get trusted insurance coverage that fits your budget.
💵 Start your free budget today. Download the EveryDollar app!
Connect With Our Sponsors:
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Go to FAIRWINDS Credit Union for an exclusive account bundle!
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Explore more from Ramsey Network:
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--------
2:17:23
--------
2:17:23
Discipline Matters Most in the Hard Times
🎟️ The Ramsey Show Live Tour: Tell us where we should go next!
Dave Ramsey and Rachel Cruze answer your questions and discuss:
"How can I leave my husband when I have no job or savings of my own?"
"We're in our 70s and have nothing saved for retirement. How do we stop living paycheck-to-paycheck?"
"Can we afford to slow down paying off debt to be present with our kids?"
"How can I best use the inheritance I just received?"
"My husband just told me we are $60,000 in debt. How do we go about this wisely?"
"My business just went under and I have close to $1 million of debt. How do I get out of this mess I'm in?"
"I just got fired, should I file for bankruptcy or consider a debt relief program?"
"How do I get my husband to take the plunge and buy us a house?"
"Is a budget set in stone or can it be revised once it's in play?"
"Should I lower my retirement contribution in order to pay off my house faster?"
"How do I help my mom who has $200,000 in debt and nothing saved for retirement?"
Next Steps:
✔️ Help us make the show better. Please take this short survey.
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.
📱 Get episodes early in the free Ramsey Network app!
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📚 Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!
⛰️ Find out your Baby Step and get a plan for your money.
🤔 Will an online will work for you? Take this quiz to find out
Connect With Our Sponsors:
Stop paying more and start shopping smarter at ALDI.
Get 10% off your first month of BetterHelp.
Go to Boost Mobile to switch today!
Learn more about Christian Healthcare Ministries.
Get started today with Churchill Mortgage.
Get 20% off when you join DeleteMe.
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Find top health insurance plans at Health Trust Financial.
Use code RAMSEY to save 20% at Mama Bear Legal Forms.
Visit NetSuite today to learn more.
For more information, go to SimpliSafe.
Use promo code RAMSEY for 18% off at The Nokbox.
Get started with YRefy or call 844-2-RAMSEY.
Visit Zander Insurance for your free instant quote today!
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💡 The Rachel Cruze Show
💰 George Kamel
🪑 Front Row Seat with Ken Coleman
📈 EntreLeadership
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
--------
2:20:23
--------
2:20:23
If You Don’t Stand for Something, Your Money Will Fall for Anything
🎟️ The Ramsey Show Live Tour: Tell us where we should go next!
Dave Ramsey and Jade Warshaw answer your questions and discuss:
"Should I accept my girlfriend's offer to pay off my debt?"
"Should we pay off debt with a baby on the way?"
"Can I put $200,000 I've received from a settlement in a bond?"
"I want to save money but my husband keeps getting us into credit card debt..."
"How do my fiancée and I tackle our $177,000 of debt?"
"We have almost $300,000 of student loan debt. How do we get out of this?"
"How do we plan for taking in our 3 grandchildren permanently?"
"Should I solicit my van for voluntary repossession?"
"Is it fair to ask my fiancé to save up now for when we get married?"
"I was evicted in January and now owe that apartment $12,000. Should I prioritize this in my debt snowball?"
Next Steps:
✔️ Help us make the show better. Please take this short survey.
📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email.
📱 Get episodes early in the free Ramsey Network app!
📚 Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!
⛰️ Find out your Baby Step and get a plan for your money.
💵 Start your free budget today. Download the EveryDollar app!
Connect With Our Sponsors:
Stop paying more and start shopping smarter at ALDI.
Get 10% off your first month of BetterHelp.
Go to Boost Mobile to switch today!
Learn more about Christian Healthcare Ministries.
Get started today with Churchill Mortgage.
Get 20% off when you join DeleteMe.
Go to FAIRWINDS Credit Union for an exclusive account bundle!
Find top health insurance plans at Health Trust Financial.
Use code RAMSEY to save 20% at Mama Bear Legal Forms.
Visit NetSuite today to learn more.
For more information, go to SimpliSafe.
Use promo code RAMSEY for 18% off at The Nokbox.
Get started with YRefy or call 844-2-RAMSEY.
Visit Zander Insurance for your free instant quote today!
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💡 The Rachel Cruze Show
💰 George Kamel
🪑 Front Row Seat with Ken Coleman
📈 EntreLeadership
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices
The Ramsey Show believes you can build wealth and take control of your life—no matter what stupid mistakes you've made with money. Join as Dave Ramsey and his team of experts answer your questions on the top problems holding you back. Listen now or ask your question live by calling 888.825.5225 weekdays from 2–5 p.m. ET. Learn more at www.ramseysolutions.com
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