The Ramsey Show

The Ramsey Show

Podcast af Ramsey Network

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The Ramsey Show believes you can build wealth and take control of your life—no matter what stupid mistakes you've made with money. Join as Dave Ramsey and his team of experts answer your questions on the top problems holding you back. Listen now or ask your question live by calling 888.825.5225 weekdays from 2–5 p.m. ET. Learn more at www.ramseysolutions.com

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3988 episoder
episode Shortcuts Today Lead to Setbacks Tomorrow artwork
Shortcuts Today Lead to Setbacks Tomorrow

💰How much do you need to invest each month to retire a millionaire? [https://ter.li/quxfht] Jade Warshaw and Rachel Cruze answer your questions and discuss: * "Can I learn to manage my money and get my family back?" * "I want to close our credit cards but my husband doesn't..." * "Should I take a job offer that is further away from home but has a higher salary?" * "How do I plan for having a baby with Downs Syndrome?" * "I need a $3k buffer for buying a house, should I take out a student loan or put it on my credit card?" * "Am I being cheap for wanting to buy a lab-grown engagement ring?" * "My wife does not know how to save. How can we get financially aligned?" * "How do I manage business travel expenses that are reimbursed without using a credit card?" * "Whose student loans should we pay off first?" * "How do you recommend telling a whole life insurance agent no?" Next Steps: ✔️⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠ [https://ter.li/3rtsm1] 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠⁠⁠ [https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&utm_medium=product_shelf] 📱 ⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠ [https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&broadcastdate=2025-07-01&deep_link_value=episode&navigationtype=episode&pid=podcast%20-%20internal&af_channel=podcast_the_ramsey_show%20-%20megaphone&c=trs%20early%20release&af_ad=trs%20early%20release%20-%20shownotes%20-%20get%20episodes%20early%20in%20the%20free%20ramsey%20network%20app%20-%20070125&utm_source=podcast_the_ramsey_show%20-%20megaphone&utm_medium=audio&utm_campaign=trs%20early%20release&utm_term=ramsey_network_bu&utm_content=trs%20early%20release%20-%20shownotes%20-%20get%20episodes%20early%20in%20the%20free%20ramsey%20network%20app%20-%20070125]  💵⁠⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app! [https://ter.li/vhal7h] 🏠 ⁠⁠⁠⁠⁠⁠ [https://ter.li/vhal7h]Find a Ramsey Trusted Real Estate Agent [https://ter.li/cqb1tl] 📖 Your Total Money Makeover starts here. [https://ter.li/918c50] 💗 ⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠ [https://ter.li/x1bii2] Connect with our Sponsors: * Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠ [https://aldi.us] * Get 10% off your first month of⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠ [https://www.betterhelp.com/Delony] * Go to ⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠ [https://www.boostmobile.com/ramsey] to switch today! * Learn more about⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠ [https://www.chministries.org/budget] * Get started today with⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠ [https://www.churchillmortgage.com/] * Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠ [https://www.joindeleteme.com/Ramsey] * Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ [https://www.fairwinds.org/ramsey] for an exclusive account bundle! * Find top Health Insurance Plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠ [https://www.healthtrustfinancial.com] * Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠ [https://www.mamabearlegalforms.com] * Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ [https://www.netsuite.com/Ramsey] today to learn more * For more information, go to ⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠ [https://simplisafe.com] * Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠ [https://www.thenokbox.com/ramsey] * Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ [https://www.yrefy.com/Ramsey] or call 844-2-RAMSEY * Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ [https://www.zander.com/] for your free instant quote today!  Explore more from Ramsey Network: 💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠ [https://ter.li/wgti1o] 🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠ [https://ter.li/qq7a2r] 🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠ [https://ter.li/knqmos] 💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠ [https://ter.li/rzj8ja] 💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠ [https://ter.li/awxjwi] 🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠ [https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&utm_medium=audio&utm_campaign=cross%20show%20promotion&utm_term=ramsey_network_bu&utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play] 📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠ [https://ter.li/2y2cn3] ⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠ [https://www.ramseysolutions.com/company/policies/privacy-policy] Learn more about your ad choices. Visit megaphone.fm/adchoices [https://megaphone.fm/adchoices]

I går - 2 h 17 min
episode Let Go of Others Expectations and Take Control of Your Own Future artwork
Let Go of Others Expectations and Take Control of Your Own Future

📈⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠⁠ [https://ter.li/degkjb] Dave Ramsey and Jade Warshaw answer your questions and discuss: * "Is it legal as a wife for me to protect my finances by opening an account separate from my husband? " * "We have $0 in savings and are barely scraping by. Would furthering my education help me make more money?" * "My In-laws are not financially literate and have no retirement savings. How do we give them a reality check?" * "My family is pressuring me to become a lawyer but I'm not sure I want to take on that much school debt" * "My dad owns $12 million in real estate. Should my husband and I start saving to buy out my siblings in the inheritance?" * "Should we tackle our 401(k) loan first?" * "Do you have any advice for a wife whose husband won't share finances even thought she's great with money?" * "I need a higher paying job, should I give up my company vehicle even though I don't have a car?" * "Should we hold onto a property or cash out now?" * "If everyone spent less and saved more wouldn’t that hurt the economy because stocks would tank and jobs would be lost without that money coming in?" * "How can I convince my husband we can't live on just Social Security?" * "Can I use a credit card for cash back and just pay it off every month?" * "I'm 28 years-old and still struggling with financial stability" * "We need a new car but I can't stomach spending $30k" * "Can I afford to move out of my parent's house now that I'm debt-free?" * "I have debt in my name but I am not the one paying on it. Should I still tackle it myself?" * "Can my husband and I afford a lake house?" * "Should we accept a first-time home buyer benefit program?" Next Steps: ✔️⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠ [https://ter.li/3rtsm1] 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠⁠⁠ [https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&utm_medium=product_shelf] 📱 ⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠ [https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&broadcastdate=2025-07-01&deep_link_value=episode&navigationtype=episode&pid=podcast%20-%20internal&af_channel=podcast_the_ramsey_show%20-%20megaphone&c=trs%20early%20release&af_ad=trs%20early%20release%20-%20shownotes%20-%20get%20episodes%20early%20in%20the%20free%20ramsey%20network%20app%20-%20070125&utm_source=podcast_the_ramsey_show%20-%20megaphone&utm_medium=audio&utm_campaign=trs%20early%20release&utm_term=ramsey_network_bu&utm_content=trs%20early%20release%20-%20shownotes%20-%20get%20episodes%20early%20in%20the%20free%20ramsey%20network%20app%20-%20070125]  💵⁠⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠ [https://ter.li/vhal7h] 💗 ⁠⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠⁠ [https://ter.li/x1bii2] 🏠 Find a Ramsey Trusted Real Estate Agent [https://ter.li/cqb1tl] ⛓️‍💥 Tired of debt? Grab Breaking Free From Broke now! [https://ter.li/apf6qf] Connect with our Sponsors: * Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠ [https://aldi.us] * Get 10% off your first month of⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠ [https://www.betterhelp.com/Delony] * Go to ⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠ [https://www.boostmobile.com/ramsey] to switch today! * Learn more about⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠ [https://www.chministries.org/budget] * Get started today with⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠ [https://www.churchillmortgage.com/] * Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠ [https://www.joindeleteme.com/Ramsey] * Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ [https://www.fairwinds.org/ramsey] for an exclusive account bundle! * Find top Health Insurance Plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠ [https://www.healthtrustfinancial.com] * Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠ [https://www.mamabearlegalforms.com] * Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ [https://www.netsuite.com/Ramsey] today to learn more * For more information, go to ⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠ [https://simplisafe.com] * Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠ [https://www.thenokbox.com/ramsey] * Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ [https://www.yrefy.com/Ramsey] or call 844-2-RAMSEY * Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ [https://www.zander.com/] for your free instant quote today!  Explore more from Ramsey Network: 💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠ [https://ter.li/wgti1o] 🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠ [https://ter.li/qq7a2r] 🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠ [https://ter.li/knqmos] 💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠ [https://ter.li/rzj8ja] 💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠ [https://ter.li/awxjwi] 🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠ [https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&utm_medium=audio&utm_campaign=cross%20show%20promotion&utm_term=ramsey_network_bu&utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play] 📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠ [https://ter.li/2y2cn3] ⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠ [https://www.ramseysolutions.com/company/policies/privacy-policy] Learn more about your ad choices. Visit megaphone.fm/adchoices [https://megaphone.fm/adchoices]

31. jul. 2025 - 2 h 18 min
episode More Debt Always Equals More Risk artwork
More Debt Always Equals More Risk

📈⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠⁠ [https://ter.li/degkjb] Dave Ramsey and Dr. John Delony answer your questions and discuss: * "How do I help my grandma get into an apartment without co-signing?" * "How do I best use unlimited overtime?" * "Where should I keep the inheritance my dad left for my children?" * "We disagree on who should pay for my mom's plane ticket when she comes to visit" * "Can we afford a boat?" * "How do we follow the Baby Steps while putting my husband through school?" * "Should I invest in real estate before paying off debt?" * "How do I break the cycle of living paycheck-to-paycheck?" * "What is a reasonable financial goal after paying off my house?" * "Am I wrong to feel like my in-laws are enabling my wife?" * "How can I get ahead in today's economy?" * "Is it okay to stop tithing to pay off debt?" * "Should we prioritize a $400k remodel over paying off the mortgage?" * "I have a $3m net worth but I struggle to spend anything" * "My husband lost his job 7 months ago and we haven't gotten back on our feet" Next Steps: ✔️⁠⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠⁠ [https://ter.li/3rtsm1] 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠⁠⁠ [https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&utm_medium=product_shelf] 📱 ⁠⁠Get episodes early in the free Ramsey Network app!⁠⁠ [https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&broadcastdate=2025-07-01&deep_link_value=episode&navigationtype=episode&pid=podcast%20-%20internal&af_channel=podcast_the_ramsey_show%20-%20megaphone&c=trs%20early%20release&af_ad=trs%20early%20release%20-%20shownotes%20-%20get%20episodes%20early%20in%20the%20free%20ramsey%20network%20app%20-%20070125&utm_source=podcast_the_ramsey_show%20-%20megaphone&utm_medium=audio&utm_campaign=trs%20early%20release&utm_term=ramsey_network_bu&utm_content=trs%20early%20release%20-%20shownotes%20-%20get%20episodes%20early%20in%20the%20free%20ramsey%20network%20app%20-%20070125]  💵⁠⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠ [https://ter.li/vhal7h] 📖 Your Total Money Makeover starts here. [https://ter.li/918c50] 🧠 Explore our high school personal finance and new economics curriculum. [https://ter.li/4hp96j] 🏠 Find a Ramsey Trusted Real Estate Agent [https://ter.li/cqb1tl] Connect with our Sponsors: * Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠⁠ [https://aldi.us] * Get 10% off your first month of⁠⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠⁠ [https://www.betterhelp.com/Delony] * Go to ⁠⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠⁠ [https://www.boostmobile.com/ramsey] to switch today! * Learn more about⁠⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠⁠ [https://www.chministries.org/budget] * Get started today with⁠⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠⁠ [https://www.churchillmortgage.com/] * Get 20% off when you join ⁠⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠⁠ [https://www.joindeleteme.com/Ramsey] * Go to⁠⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠⁠ [https://www.fairwinds.org/ramsey] for an exclusive account bundle! * Find top Health Insurance Plans at ⁠⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠⁠ [https://www.healthtrustfinancial.com] * Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠⁠ [https://www.mamabearlegalforms.com] * Visit⁠⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠⁠ [https://www.netsuite.com/Ramsey] today to learn more * For more information, go to ⁠⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠⁠ [https://simplisafe.com] * Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠⁠ [https://www.thenokbox.com/ramsey] * Get started with ⁠⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠⁠ [https://www.yrefy.com/Ramsey] or call 844-2-RAMSEY * Visit⁠⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠⁠ [https://www.zander.com/] for your free instant quote today!  Explore more from Ramsey Network: 💸 ⁠⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠⁠ [https://ter.li/wgti1o] 🧠 ⁠⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠⁠ [https://ter.li/qq7a2r] 🍸 ⁠⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠⁠ [https://ter.li/knqmos] 💡 ⁠⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠⁠ [https://ter.li/rzj8ja] 💰 ⁠⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠⁠ [https://ter.li/awxjwi] 🪑 ⁠⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠⁠ [https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&utm_medium=audio&utm_campaign=cross%20show%20promotion&utm_term=ramsey_network_bu&utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play] 📈 ⁠⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠⁠ [https://ter.li/2y2cn3] ⁠⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠⁠ [https://www.ramseysolutions.com/company/policies/privacy-policy] Learn more about your ad choices. Visit megaphone.fm/adchoices [https://megaphone.fm/adchoices]

30. jul. 2025 - 2 h 17 min
episode Stop Expecting Different Results From the Same Mistakes artwork
Stop Expecting Different Results From the Same Mistakes

📈⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠ [https://ter.li/degkjb] Dave Ramsey and Ken Coleman answer your questions and discuss: * "As a single mom of 2, how do I pay off $130,000 of debt?" * "Should we sell an annuity while in Baby Step 2?" * "Should we use our stocks to throw $150,000 at the mortgage?" * "I'm 70 and don't have a will or a trust. Which is the best option?" * "When should I prioritize starting my own business?" * "We're receiving $50,000 in cash for our wedding. What should we do with the leftover cash after the wedding?" * "What do I do with the inheritance my ex-husband left me?" * "Is rent-to-buy a good way to accelerate home ownership?" * "Should I file for bankruptcy?" * "How can I protect my investments from being used for spousal long-term care?" * "How do I possibly get my wife on the same page when it comes to cutting our expenses?" * "I lied to my husband about our business's finances until it was too late. How can I make this right with him?" * "Should I use my 401(k) to do updates to my home before selling it?" * "I'm 39 and living paycheck-to-paycheck. How do I get out of this?" Next Steps: ✔️⁠⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠⁠ [https://ter.li/3rtsm1] 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠⁠ [https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&utm_medium=product_shelf] 📱 ⁠Get episodes early in the free Ramsey Network app!⁠ [https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&broadcastdate=2025-07-01&deep_link_value=episode&navigationtype=episode&pid=podcast%20-%20internal&af_channel=podcast_the_ramsey_show%20-%20megaphone&c=trs%20early%20release&af_ad=trs%20early%20release%20-%20shownotes%20-%20get%20episodes%20early%20in%20the%20free%20ramsey%20network%20app%20-%20070125&utm_source=podcast_the_ramsey_show%20-%20megaphone&utm_medium=audio&utm_campaign=trs%20early%20release&utm_term=ramsey_network_bu&utm_content=trs%20early%20release%20-%20shownotes%20-%20get%20episodes%20early%20in%20the%20free%20ramsey%20network%20app%20-%20070125]  💵⁠⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app! [https://ter.li/vhal7h] 🏠 Get organized and prepared to buy or sell a home. [https://ter.li/jep2e5]⁠⁠⁠⁠⁠ [https://ter.li/vhal7h] ⛓️‍💥 Tired of debt? Grab Breaking Free From Broke now! [https://ter.li/apf6qf] 💗 ⁠Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. ⁠ [https://ter.li/x1bii2] Connect with our Sponsors: * Stop paying more and start shopping smarter at ⁠⁠⁠⁠⁠ALDI⁠⁠⁠⁠⁠ [https://aldi.us] * Get 10% off your first month of⁠⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠⁠ [https://www.betterhelp.com/Delony] * Go to ⁠⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠⁠ [https://www.boostmobile.com/ramsey] to switch today! * Learn more about⁠⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠⁠ [https://www.chministries.org/budget] * Get started today with⁠⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠⁠ [https://www.churchillmortgage.com/] * Get 20% off when you join ⁠⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠⁠ [https://www.joindeleteme.com/Ramsey] * Go to⁠⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠⁠ [https://www.fairwinds.org/ramsey] for an exclusive account bundle! * Find top Health Insurance Plans at ⁠⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠⁠ [https://www.healthtrustfinancial.com] * Use code RAMSEY to save 20% at ⁠⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠⁠ [https://www.mamabearlegalforms.com] * Visit⁠⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠⁠ [https://www.netsuite.com/Ramsey] today to learn more * For more information, go to ⁠⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠⁠ [https://simplisafe.com] * Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠⁠ [https://www.thenokbox.com/ramsey] * Get started with ⁠⁠⁠⁠⁠YRefy⁠⁠⁠⁠⁠ [https://www.yrefy.com/Ramsey] or call 844-2-RAMSEY * Visit⁠⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠⁠ [https://www.zander.com/] for your free instant quote today!  Explore more from Ramsey Network: 💸 ⁠⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠⁠ [https://ter.li/wgti1o] 🧠 ⁠⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠⁠ [https://ter.li/qq7a2r] 🍸 ⁠⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠⁠ [https://ter.li/knqmos] 💡 ⁠⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠⁠ [https://ter.li/rzj8ja] 💰 ⁠⁠⁠⁠⁠George Kamel⁠⁠⁠⁠⁠ [https://ter.li/awxjwi] 🪑 ⁠⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠⁠ [https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&utm_medium=audio&utm_campaign=cross%20show%20promotion&utm_term=ramsey_network_bu&utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play] 📈 ⁠⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠⁠ [https://ter.li/2y2cn3] Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. ⁠⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠ [https://www.ramseysolutions.com/company/policies/privacy-policy] Learn more about your ad choices. Visit megaphone.fm/adchoices [https://megaphone.fm/adchoices]

29. jul. 2025 - 2 h 19 min
episode Debt Won’t Fix What Discipline Can artwork
Debt Won’t Fix What Discipline Can

📈⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠ [https://ter.li/degkjb] Jade Warshaw and Rachel Cruze answer your questions and discuss: * "How do we recover from 2 hurricanes and being sued by credit card companies?" * "How do we handle debt now that our financial situation has changed?" * "How can we travel outside of the country without a credit card?" * "Should I use a $400k settlement to pay off a bankruptcy?" * "How do I get my husband on board with the Baby Steps?" * "My 15-year-old daughter is an influencer and has saved $100k for a car. How much should she spend?" * "Should I pay off my house before retirement?" * "Was buying a mobile home a mistake?" * "My husband gave away all of our retirement money in a scam," * "Should I pay off my debt before going back to school?" * "My daughter is paying me back $50k. How do I make sure I'm responsible with this cash coming in?" * "Can we pay for a honeymoon while on Baby Step 3?" * "Am I a burden to my husband?" * "Do I make enough money to move out on my own?" Next Steps: 🏡 Check out our Mortgage Calculator [https://ter.li/33pc74] ✔️⁠⁠⁠⁠ ⁠Help us make the show better. Please take this short survey.⁠⁠⁠⁠⁠ [https://ter.li/3rtsm1] 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or⁠⁠⁠⁠ ⁠send us an email.⁠⁠⁠⁠⁠ [https://www.ramseysolutions.com/shows/the-ramsey-show/email?utm_source=youtube&utm_medium=product_shelf] 📱 Get episodes early in the free Ramsey Network app! [https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&broadcastdate=2025-07-01&deep_link_value=episode&navigationtype=episode&pid=podcast%20-%20internal&af_channel=podcast_the_ramsey_show%20-%20megaphone&c=trs%20early%20release&af_ad=trs%20early%20release%20-%20shownotes%20-%20get%20episodes%20early%20in%20the%20free%20ramsey%20network%20app%20-%20070125&utm_source=podcast_the_ramsey_show%20-%20megaphone&utm_medium=audio&utm_campaign=trs%20early%20release&utm_term=ramsey_network_bu&utm_content=trs%20early%20release%20-%20shownotes%20-%20get%20episodes%20early%20in%20the%20free%20ramsey%20network%20app%20-%20070125]  📈 For help with investing, get connected with a SmartVestor Pro. [https://ter.li/jkfgcn] 💵⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠ [https://ter.li/vhal7h] 💗 Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville. [https://ter.li/x1bii2] Connect with our Sponsors: * Stop paying more and start shopping smarter at ⁠⁠⁠⁠ALDI⁠⁠⁠⁠ [https://aldi.us] * Get 10% off your first month of⁠⁠⁠⁠ BetterHelp⁠⁠⁠⁠ [https://www.betterhelp.com/Delony] * Go to ⁠⁠⁠⁠Boost Mobile⁠⁠⁠⁠ [https://www.boostmobile.com/ramsey] to switch today! * Learn more about⁠⁠⁠⁠ Christian Healthcare Ministries⁠⁠⁠⁠ [https://www.chministries.org/budget] * Get started today with⁠⁠⁠⁠ Churchill Mortgage⁠⁠⁠⁠ [https://www.churchillmortgage.com/] * Get 20% off when you join ⁠⁠⁠⁠DeleteMe⁠⁠⁠⁠ [https://www.joindeleteme.com/Ramsey] * Go to⁠⁠⁠⁠ FAIRWINDS Credit Union⁠⁠⁠⁠ [https://www.fairwinds.org/ramsey] for an exclusive account bundle! * Find top Health Insurance Plans at ⁠⁠⁠⁠Health Trust Financial⁠⁠⁠⁠ [https://www.healthtrustfinancial.com] * Use code RAMSEY to save 20% at ⁠⁠⁠⁠Mama Bear Legal Forms⁠⁠⁠⁠ [https://www.mamabearlegalforms.com] * Visit⁠⁠⁠⁠ NetSuite⁠⁠⁠⁠ [https://www.netsuite.com/Ramsey] today to learn more * For more information, go to ⁠⁠⁠⁠SimpliSafe⁠⁠⁠⁠ [https://simplisafe.com] * Use promo code RAMSEY for 18% off at ⁠⁠⁠⁠The Nokbox⁠⁠⁠⁠ [https://www.thenokbox.com/ramsey] * Get started with ⁠⁠⁠⁠YRefy⁠⁠⁠⁠ [https://www.yrefy.com/Ramsey] or call 844-2-RAMSEY * Visit⁠⁠⁠⁠ Zander Insurance⁠⁠⁠⁠ [https://www.zander.com/] for your free instant quote today!  Explore more from Ramsey Network: 💸 ⁠⁠⁠⁠The Ramsey Show Highlights⁠⁠⁠⁠ [https://ter.li/wgti1o] 🧠 ⁠⁠⁠⁠The Dr. John Delony Show⁠⁠⁠⁠ [https://ter.li/qq7a2r] 🍸 ⁠⁠⁠⁠Smart Money Happy Hour⁠⁠⁠⁠ [https://ter.li/knqmos] 💡 ⁠⁠⁠⁠The Rachel Cruze Show⁠⁠⁠⁠ [https://ter.li/rzj8ja] 💰 ⁠⁠⁠⁠George Kamel⁠⁠⁠⁠ [https://ter.li/awxjwi] 🪑 ⁠⁠⁠⁠Front Row Seat with Ken Coleman⁠⁠⁠⁠ [https://www.ramseysolutions.com/shows/front-row-seat-with-ken-coleman?utm_source=podcast_the_ramsey_show%20-%20megaphone&utm_medium=audio&utm_campaign=cross%20show%20promotion&utm_term=ramsey_network_bu&utm_content=cross%20show%20promotion%20-%20shownotes%20-%20front%20row%20seat%20with%20ken%20coleman%20-%20012825#play] 📈 ⁠⁠⁠⁠EntreLeadership⁠⁠⁠⁠ [https://ter.li/2y2cn3] Ramsey Solutions is a paid, non-client promoter of SmartVestor Pros. ⁠⁠⁠⁠Ramsey Solutions Privacy Policy⁠⁠⁠⁠ [https://www.ramseysolutions.com/company/policies/privacy-policy] Learn more about your ad choices. Visit megaphone.fm/adchoices [https://megaphone.fm/adchoices]

28. jul. 2025 - 2 h 18 min
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