The Ramsey Show

📈⁠⁠⁠⁠⁠⁠ ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠⁠⁠⁠⁠⁠ [https://ter.li/degkjb] George Kamel and Dr. John Delony answer your questions and discuss: * "How do I best use cash I receive from a settlement?" * "My grandfather's inheritance wishes go against the Baby Steps" * "Should we live with my in-laws in order to be included in their will?" * "Should I build a large house to accommodate family that we're no estranged from?" * "I'm $600k in debt and drowning. How do I start paying this off?" * "I'm upside down on a car that needs serious repairs. What should I do?" * "How do I stop investing while paying off debt?" * "My husband thinks if I take a part time job it will set a bad example to our kids" * "Should we use our Roth IRA to pay off our house?" Next Steps: 💰How much do you need to invest each month to retire a millionaire? [https://ter.li/quxfht] ✔️⁠⁠⁠⁠⁠⁠ ⁠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] ⁠⁠⁠⁠⁠⁠ [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] 💵⁠⁠⁠⁠⁠⁠⁠ ⁠Start your free budget today. Download the EveryDollar app! [https://ter.li/vhal7h] 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]

💰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]

📈⁠⁠⁠⁠⁠⁠ ⁠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. 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📈⁠⁠⁠⁠⁠⁠ ⁠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]

📈⁠⁠⁠⁠⁠ ⁠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]