The Ramsey Show

💳 Share your thoughts and you could WIN a $500 Gift Card! [https://ramsey.qualtrics.com/jfe/form/SV_bjU669hOOQ2n686?Source=PSN] 💸 Start taking control of your money in 2025 at our free livestream [https://ter.li/9b3xkx] George Kamel & Dr. John Delony answer your questions and discuss: * "Is it too late to invest for the future?" * "I was involved in a horrible financial scam," * "Should I use my trust fund to pay off my fiancée's debt?" * "Do I need to pay off loan my husband secretly took out before he died?" * "How can I pay off a ballooning HELOC?" * "Am I selfish for not wanting to see my in-laws?" Support Our Sponsors: * 🌱 Get 10% off your first month of BetterHelp [https://www.betterhelp.com/Delony] * ◎ Get 10% off Byrna [https://www.byrna.com/dave] product bundles and more! * 🏥 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! * 🥗 Save 15% on your first Field of Greens [https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&affluencerId=Dave%20Ramsey] order with code RAMSEY * 💸 Learn more about opening a high-yield savings account with Laurel Road [https://www.laurelroad.com/Ramsey] * 💻 Visit NetSuite [https://www.netsuite.com/Ramsey] today to learn more * 🗂️ Use promo code RAMSEY for 18% off at The Nokbox [https://www.thenokbox.com/ramsey] * 💵 Learn more about Timothy Plan [https://www.timothyplan.com/] * 🏛 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! Next Steps 📱 Listen to the full episode for free in the Ramsey Network app. [https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&broadcastdate=2025-01-20&deep_link_value=episode&navigationtype=episode&showid=f6596c6b-b375-4b4a-bfb1-2fb3065ea29d&c=finishtheshow_official&af_ad=finishtheshow_official%20-%20shownotes%20-%20finish%20today%27s%20episode%20for%20free%20in%20the%20ramsey%20network%20app.%20-%20012025&pid=podcast%20-%20internal&af_channel=podcast_the_ramsey_show%20-%20megaphone&utm_source=podcast_the_ramsey_show%20-%20megaphone&utm_medium=audio&utm_campaign=finishtheshow_official&utm_term=ramsey_network_bu&utm_content=finishtheshow_official%20-%20shownotes%20-%20finish%20today%27s%20episode%20for%20free%20in%20the%20ramsey%20network%20app.%20-%20012025] 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! [https://www.ramseysolutions.com/shows/the-ramsey-show/email] 📈 Are you on track with the Baby Steps? Get a Free Personalized Plan [https://ter.li/degkjb] 💪 Invest with confidence! Get tickets to Investing Essentials [https://ter.li/x0wuiy] 📄 Need help with your taxes? See who we trust. 💵 Start your free budget today. Download the EveryDollar app! [https://ter.li/nwm1uz] 💰Watch 90 Day Money Makeover. [https://www.youtube.com/watch?v=wxjlpflfDMQ] Listen to more from Ramsey Network 🎙️ The Ramsey Show [https://ter.li/4oi4gg]   🧠 The Dr. John Delony Show [https://ter.li/7idjjq] 🍸 Smart Money Happy Hour [https://ter.li/fhywhj] 💡 The Rachel Cruze Show [https://ter.li/u4taz6] 💸 The Ramsey Show Highlights [https://ter.li/u7iws0] 💰 George Kamel [https://ter.li/ejut9r] 💼 The Ken Coleman Show [https://ter.li/e0y48r] 📈 EntreLeadership [https://ter.li/p5p885] Learn more about your ad choices. https://www.megaphone.fm/adchoices [https://www.megaphone.fm/adchoices] Ramsey Solutions Privacy Policy [https://www.ramseysolutions.com/company/policies/privacy-policy]

💳 Share your thoughts and you could WIN a $500 Gift Card! [https://ramsey.qualtrics.com/jfe/form/SV_bjU669hOOQ2n686?Source=PSN] 💸 Start taking control of your money in 2025 at our free livestream [https://ter.li/9b3xkx] George Kamel & Dr. John Delony answer your questions and discuss: * "My ex-husband is coercing our daughter into a $600,000 mortgage," * "How do I start investing for retirement?" * How the California wildfires impact everyone, * "We think a bank employee is embezzling money from our bank account," * "My parents bought whole life insurance for me as a child," * "We regret purchasing a fixer-upper," * "Borrow from my 401(k) to pay off debt?" Support Our Sponsors: * 🌱 Get 10% off your first month of BetterHelp [https://www.betterhelp.com/Delony] * ◎ Get 10% off Byrna [https://www.byrna.com/dave] product bundles and more! * 🏥 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! * 🥗 Save 15% on your first Field of Greens [https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&affluencerId=Dave%20Ramsey] order with code RAMSEY * 💸 Learn more about opening a high-yield savings account with Laurel Road [https://www.laurelroad.com/Ramsey] * 💻 Visit NetSuite [https://www.netsuite.com/Ramsey] today to learn more * 🗂️ Use promo code RAMSEY for 18% off at The Nokbox [https://www.thenokbox.com/ramsey] * 💵 Learn more about Timothy Plan [https://www.timothyplan.com/] * 🏛 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! Next Steps 📱 Listen to the full episode for free in the Ramsey Network app. [https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&broadcastdate=2025-01-17&deep_link_value=episode&navigationtype=episode&showid=f6596c6b-b375-4b4a-bfb1-2fb3065ea29d&c=finishtheshow_official&af_ad=finishtheshow_official%20-%20shownotes%20-%20finish%20today%27s%20episode%20for%20free%20in%20the%20ramsey%20network%20app.%20-%20011725&pid=podcast%20-%20internal&af_channel=podcast_the_ramsey_show%20-%20megaphone&utm_source=podcast_the_ramsey_show%20-%20megaphone&utm_medium=audio&utm_campaign=finishtheshow_official&utm_term=ramsey_network_bu&utm_content=finishtheshow_official%20-%20shownotes%20-%20finish%20today%27s%20episode%20for%20free%20in%20the%20ramsey%20network%20app.%20-%20011725] 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! [https://www.ramseysolutions.com/shows/the-ramsey-show/email] 📈 Are you on track with the Baby Steps? Get a Free Personalized Plan [https://ter.li/degkjb] 💵 Start your free budget today. Download the EveryDollar app! [https://ter.li/nwm1uz] 💪 Invest with confidence! Get tickets to Investing Essentials [https://ter.li/x0wuiy] 💰Watch 90-Day Money Makeover. [https://www.youtube.com/watch?v=D7yWG6WZnck] 🏘️ Free Tools & Resources to Reach Your Home Goals [https://ter.li/751ae4] Listen to more from Ramsey Network 🎙️ The Ramsey Show [https://ter.li/4oi4gg]   🧠 The Dr. John Delony Show [https://ter.li/7idjjq] 🍸 Smart Money Happy Hour [https://ter.li/fhywhj] 💡 The Rachel Cruze Show [https://ter.li/u4taz6] 💸 The Ramsey Show Highlights [https://ter.li/u7iws0] 💰 George Kamel [https://ter.li/ejut9r] 💼 The Ken Coleman Show [https://ter.li/e0y48r] 📈 EntreLeadership [https://ter.li/p5p885] Learn more about your ad choices. https://www.megaphone.fm/adchoices [https://www.megaphone.fm/adchoices] Ramsey Solutions Privacy Policy [https://www.ramseysolutions.com/company/policies/privacy-policy]

💳 Share your thoughts and you could WIN a $500 Gift Card! [https://ramsey.qualtrics.com/jfe/form/SV_bjU669hOOQ2n686?Source=PSN] 💸 Start taking control of your money in 2025 at our free livestream [https://ter.li/9b3xkx] Rachel Cruze & Dr. John Delony answer your questions and discuss: * "Should I re-home my dog to pay off debt?" * "How do we start saving for retirement?," * "We don't want to get married," * "Is it time for us to move out of California?" * "My parents asked me to loan them 50k so they could put a down payment down on a house" Support Our Sponsors: * 🌱 Get 10% off your first month of BetterHelp [https://www.betterhelp.com/Delony] * ◎ Get 10% off Byrna [https://www.byrna.com/dave] product bundles and more! * 🏥 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! * 🥗 Save 15% on your first Field of Greens [https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&affluencerId=Dave%20Ramsey] order with code RAMSEY * 💸 Learn more about opening a high-yield savings account with Laurel Road [https://www.laurelroad.com/Ramsey] * 💻 Visit NetSuite [https://www.netsuite.com/Ramsey] today to learn more * 🗂️ Use promo code RAMSEY for 18% off at The Nokbox [https://www.thenokbox.com/ramsey] * 💵 Learn more about Timothy Plan [https://www.timothyplan.com/] * 🏛 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! Next Steps 📱 Listen to the full episode for free in the Ramsey Network app. [https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&broadcastdate=2025-01-16&deep_link_value=episode&navigationtype=episode&showid=f6596c6b-b375-4b4a-bfb1-2fb3065ea29d&c=finishtheshow_official&af_ad=finishtheshow_official%20-%20shownotes%20-%20finish%20today%27s%20episode%20for%20free%20in%20the%20ramsey%20network%20app.%20-%20011625&pid=podcast%20-%20internal&af_channel=podcast_the_ramsey_show%20-%20megaphone&utm_source=podcast_the_ramsey_show%20-%20megaphone&utm_medium=audio&utm_campaign=finishtheshow_official&utm_term=ramsey_network_bu&utm_content=finishtheshow_official%20-%20shownotes%20-%20finish%20today%27s%20episode%20for%20free%20in%20the%20ramsey%20network%20app.%20-%20011625] 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! [https://www.ramseysolutions.com/shows/the-ramsey-show/email] 📈 Are you on track with the Baby Steps? Get a Free Personalized Plan [https://ter.li/degkjb] ☂️ Get trusted insurance coverage that fits your budget. [https://www.ramseysolutions.com/insurance?utm_source=podcast_the_ramsey_show&utm_medium=audio&utm_campaign=2025_january&utm_term=protections_bu&utm_content=2025_january%20-%20shownotes%20-%20coverage%20checkup%20-%20010125]  💵 Start your free budget today. Download the EveryDollar app! [https://ter.li/nwm1uz] 💪 Invest with confidence! Get tickets to Investing Essentials [https://ter.li/x0wuiy] 🏘️ Free Tools & Resources to Reach Your Home Goals [https://ter.li/751ae4] 💰Watch 90-Day Money Makeover. [https://www.youtube.com/watch?v=D7yWG6WZnck] Listen to more from Ramsey Network 🎙️ The Ramsey Show [https://ter.li/4oi4gg]   🧠 The Dr. John Delony Show [https://ter.li/7idjjq] 🍸 Smart Money Happy Hour [https://ter.li/fhywhj] 💡 The Rachel Cruze Show [https://ter.li/u4taz6] 💸 The Ramsey Show Highlights [https://ter.li/u7iws0] 💰 George Kamel [https://ter.li/ejut9r] 💼 The Ken Coleman Show [https://ter.li/e0y48r] 📈 EntreLeadership [https://ter.li/p5p885] Learn more about your ad choices. https://www.megaphone.fm/adchoices [https://www.megaphone.fm/adchoices] Ramsey Solutions Privacy Policy [https://www.ramseysolutions.com/company/policies/privacy-policy]

💳 Share your thoughts and you could WIN a $500 Gift Card! [https://ramsey.qualtrics.com/jfe/form/SV_bjU669hOOQ2n686?Source=PSN] 💸 Start taking control of your money in 2025 at our free livestream [https://ter.li/9b3xkx] George Kamel & Ken Coleman answer your questions and discuss: * "I'm $68k in credit card debt, should I file bankruptcy?" * "Can I go back into debt to upgrade our house?" * "How do I figure out what a "fair" salary is?" * "Is it too late for me to start investing at 65?" Support Our Sponsors: * 🌱 Get 10% off your first month of BetterHelp [https://www.betterhelp.com/Delony] * ◎ Get 10% off Byrna [https://www.byrna.com/dave] product bundles and more! * 🏥 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! * 🥗 Save 15% on your first Field of Greens [https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&affluencerId=Dave%20Ramsey] order with code RAMSEY * 💸 Learn more about opening a high-yield savings account with Laurel Road [https://www.laurelroad.com/Ramsey] * 💻 Visit NetSuite [https://www.netsuite.com/Ramsey] today to learn more * 🗂️ Use promo code RAMSEY for 18% off at The Nokbox [https://www.thenokbox.com/ramsey] * 💵 Learn more about Timothy Plan [https://www.timothyplan.com/] * 🏛 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! Next Steps 📱 Listen to the full episode for free in the Ramsey Network app. [https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&broadcastdate=2025-01-15&deep_link_value=episode&navigationtype=episode&showid=f6596c6b-b375-4b4a-bfb1-2fb3065ea29d&c=finishtheshow_official&af_ad=finishtheshow_official%20-%20shownotes%20-%20finish%20today%27s%20episode%20for%20free%20in%20the%20ramsey%20network%20app.%20-%20011525&pid=podcast%20-%20internal&af_channel=podcast_the_ramsey_show%20-%20megaphone&utm_source=podcast_the_ramsey_show%20-%20megaphone&utm_medium=audio&utm_campaign=finishtheshow_official&utm_term=ramsey_network_bu&utm_content=finishtheshow_official%20-%20shownotes%20-%20finish%20today%27s%20episode%20for%20free%20in%20the%20ramsey%20network%20app.%20-%20011525] 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! [https://www.ramseysolutions.com/shows/the-ramsey-show/email] 📈 Are you on track with the Baby Steps? Get a Free Personalized Plan [https://ter.li/degkjb] 💪 Invest with confidence! Get tickets to Investing Essentials [https://ter.li/x0wuiy] ☂️ Get trusted insurance coverage that fits your budget [https://www.ramseysolutions.com/insurance?utm_source=podcast_the_ramsey_show&utm_medium=audio&utm_campaign=2025_january&utm_term=protections_bu&utm_content=2025_january%20-%20shownotes%20-%20coverage%20checkup%20-%20010125]  💵 Start your free budget today. Download the EveryDollar app! [https://ter.li/nwm1uz] 💰Watch 90-Day Money Makeover [https://www.youtube.com/watch?v=D7yWG6WZnck] 🏘️ Free Tools & Resources to Reach Your Home Goals [https://ter.li/751ae4] Listen to more from Ramsey Network 🎙️ The Ramsey Show [https://ter.li/4oi4gg]   🧠 The Dr. John Delony Show [https://ter.li/7idjjq] 🍸 Smart Money Happy Hour [https://ter.li/fhywhj] 💡 The Rachel Cruze Show [https://ter.li/u4taz6] 💸 The Ramsey Show Highlights [https://ter.li/u7iws0] 💰 George Kamel [https://ter.li/ejut9r] 💼 The Ken Coleman Show [https://ter.li/e0y48r] 📈 EntreLeadership [https://ter.li/p5p885] Learn more about your ad choices. https://www.megaphone.fm/adchoices [https://www.megaphone.fm/adchoices] Ramsey Solutions Privacy Policy [https://www.ramseysolutions.com/company/policies/privacy-policy]

💳 Share your thoughts and you could WIN a $500 Gift Card! [https://ramsey.qualtrics.com/jfe/form/SV_bjU669hOOQ2n686?Source=PSN] 💸 Start taking control of your money in 2025 at our free livestream [https://ter.li/9b3xkx] Ken Coleman & Jade Warshaw answer your questions and discuss: * "Should I buy less healthy food to save money?" * "What should we do with a large financial gift?" * "I just started college and I hate it," * My sibling got an inheritance and I didn't..." * "We're $500k in debt and the interest is killing us" Support Our Sponsors: * 🌱 Get 10% off your first month of BetterHelp [https://www.betterhelp.com/Delony] * ◎ Get 10% off Byrna [https://www.byrna.com/dave] product bundles and more! * 🏥 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! * 🥗 Save 15% on your first Field of Greens [https://brickhousenutrition.com/pages/daveramsey?linkId=Dave%20Ramsey_Podcast_Podcast&affluencerId=Dave%20Ramsey] order with code RAMSEY * 💸 Learn more about opening a high-yield savings account with Laurel Road [https://www.laurelroad.com/Ramsey] * 💻 Visit NetSuite [https://www.netsuite.com/Ramsey] today to learn more * 🗂️ Use promo code RAMSEY for 18% off at The Nokbox [https://www.thenokbox.com/ramsey] * 💵 Learn more about Timothy Plan [https://www.timothyplan.com/] * 🏛 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! Next Steps 📱 Listen to the full episode for free in the Ramsey Network app. [https://ramseynetwork.onelink.me/9eOo?af_dp=ramseynetwork://&broadcastdate=2025-01-14&deep_link_value=episode&navigationtype=episode&showid=f6596c6b-b375-4b4a-bfb1-2fb3065ea29d&c=finishtheshow_official&af_ad=finishtheshow_official%20-%20shownotes%20-%20finish%20today%27s%20episode%20for%20free%20in%20the%20ramsey%20network%20app.%20-%20011425&pid=podcast%20-%20internal&af_channel=podcast_the_ramsey_show%20-%20megaphone&utm_source=podcast_the_ramsey_show%20-%20megaphone&utm_medium=audio&utm_campaign=finishtheshow_official&utm_term=ramsey_network_bu&utm_content=finishtheshow_official%20-%20shownotes%20-%20finish%20today%27s%20episode%20for%20free%20in%20the%20ramsey%20network%20app.%20-%20011425] 📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or click here! [https://www.ramseysolutions.com/shows/the-ramsey-show/email] 📈 Are you on track with the Baby Steps? Get a Free Personalized Plan [https://ter.li/degkjb] 💰Watch 90 Day Money Makeover. [https://www.youtube.com/watch?v=wxjlpflfDMQ] 🎟️ Get Tickets to the Money & Relationships Tour [https://ter.li/r0koog] 🏠 Get organized and prepared to buy or sell a home. [https://ter.li/t373z4]  💵 Start your free budget today. Download the EveryDollar app! [https://ter.li/nwm1uz] Listen to more from Ramsey Network 🎙️ The Ramsey Show [https://ter.li/4oi4gg]   🧠 The Dr. John Delony Show [https://ter.li/7idjjq] 🍸 Smart Money Happy Hour [https://ter.li/fhywhj] 💡 The Rachel Cruze Show [https://ter.li/u4taz6] 💸 The Ramsey Show Highlights [https://ter.li/u7iws0] 💰 George Kamel [https://ter.li/ejut9r] 💼 The Ken Coleman Show [https://ter.li/e0y48r] 📈 EntreLeadership [https://ter.li/p5p885] Learn more about your ad choices. https://www.megaphone.fm/adchoices [https://www.megaphone.fm/adchoices] Ramsey Solutions Privacy Policy [https://www.ramseysolutions.com/company/policies/privacy-policy]