The Ramsey Show

Face the Debt You’ve Been Avoiding

💵 ⁠⁠⁠Ask Ramsey: Real Ramsey answers, powered by AI.⁠ [https://ter.li/jwy4zk] Rachel Cruze and Dr. John Delony answer your questions and discuss: * “Should we file bankruptcy due to the $350k my husband lost day trading?” * “How do I start to tackle my debt?” * “Should I use a VA loan to buy a home?” * “I feel like I’ll never be able to buy a house” * “Should I cash out my whole life policy?” * “Should I slow down the baby steps to deal with my chronic illness?” * “How do I buy out my “manchild” ex-husband from our house?” * “Should I use a debt relief company or an attorney to settle my tax debt?” * “How do I convince my fiancé to be financially independent from his family?” * “My wife isn’t involved in our finances. Is that a problem?” * “Should we cash out our annuity?” 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]. 💵 ⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠ [https://ramsey.solutions/69dj3s] 💻 ⁠⁠Need help with your taxes? See who we trust.⁠⁠ [https://ter.li/x7t76q] 🚢 ⁠⁠Cruise with Ramsey: Save $300 this week only! [https://ter.li/d8v5cz] 🔥Microhabits for a better marriage. Download the Together app.  [https://apps.apple.com/app/apple-store/id6742922524?pt=378290&ct=TRS_FEB_2025_Podcast&mt=8] Connect With Our Sponsors: * 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! * Go to⁠⁠ ⁠⁠ [https://www.casper.com/Ramsey]⁠⁠Casper Sleep⁠⁠ [https://www.casper.com/Ramsey] and use promo code RAMSEY to learn more * If you want your car to keep going and going, trust ⁠⁠Christian Brothers Automotive⁠⁠ [https://www.cbac.com/ramsey]. Find a local shop and get an exclusive Ramsey discount of 10% off * 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! * Debt collectors hassling you? Take back control of your life at ⁠⁠Guardian Litigation Group⁠⁠ [https://www.guardianlit.com/Ramsey] * 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 * 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]

My Fiancé Broke Off Our Engagement Because Of My Money Habits

💵 ⁠⁠Ask Ramsey: Real Ramsey answers, powered by AI. [https://ter.li/jwy4zk] George Kamel and Rachel Cruze answer your questions and discuss: * "How can I heal from a relationship broken over bad money habits?" * "How do I get comfortable using my emergency fund when I need to?" * "My dad promised to pay off my student loan debt but we cut him out of our lives. How do we pay them off ourselves?" * "My father is trying to buy a house with his new girlfriend. We think he's being manipulated but don't know what to do" 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]. 💵 ⁠⁠⁠Start your free budget today. Download the EveryDollar app! [https://ramsey.solutions/69dj3s] 🏠 Find a Ramsey Trusted Real Estate Agent [https://ter.li/j5zk7f] 🚢 ⁠⁠Cruise with Ramsey: Save $300 this week only! [https://ter.li/d8v5cz]⁠⁠ [https://ramsey.solutions/69dj3s] 💻 ⁠Need help with your taxes? See who we trust.⁠ [https://ter.li/x7t76q] Connect With Our Sponsors: * 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! * Go to⁠⁠ ⁠⁠ [https://www.casper.com/Ramsey]⁠⁠Casper Sleep⁠⁠ [https://www.casper.com/Ramsey] and use promo code RAMSEY to learn more * If you want your car to keep going and going, trust ⁠⁠Christian Brothers Automotive⁠⁠ [https://www.cbac.com/ramsey]. Find a local shop and get an exclusive Ramsey discount of 10% off * 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! * Debt collectors hassling you? Take back control of your life at ⁠⁠Guardian Litigation Group⁠⁠ [https://www.guardianlit.com/Ramsey] * 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 * 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]

We’re $100K in Debt and Living in a Camper

💵 ⁠Type your money question, get a Ramsey answer instantly.⁠ [https://ter.li/3iltz9] Ken Coleman and George Kamel answer your questions and discuss: * "How do I get out of $100,000 of debt?" * "Should I stop paying my Parent PLUS loans and use that money to pay off my credit cards?" * "How can we help my brother-in-law without enabling him?" * "How do I find a house after college when rent is so expensive?" * "My husband refinanced our auto loan to pull cash out of our vehicle. Now our APR is 25%, what should we do?" * "I was scammed out of $60,000 and now I don't have anything saved for retirement. What should I do?" * "I'm afraid to deplete my savings to pay down my debt". 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]. 💵 ⁠⁠Start your free budget today. Download the EveryDollar app!⁠ [https://ramsey.solutions/69dj3s] 🚢 Set Sail with Dave Ramsey! Book your cabin today. [https://ter.li/2xjolw] 📈 Free Tools & Resources to Help You With Investing and Retirement [https://ter.li/qabngd] 💻 Need help with your taxes? See who we trust. [https://ter.li/x7t76q] Connect With Our Sponsors: * 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! * Go to⁠ ⁠ [https://www.casper.com/Ramsey]⁠Casper Sleep⁠ [https://www.casper.com/Ramsey] and use promo code RAMSEY to learn more * If you want your car to keep going and going, trust ⁠Christian Brothers Automotive⁠ [https://www.cbac.com/ramsey]. Find a local shop and get an exclusive Ramsey discount of 10% off * 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! * Debt collectors hassling you? Take back control of your life at ⁠Guardian Litigation Group⁠ [https://www.guardianlit.com/Ramsey] * 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 * 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]

It’s Time to Go Scorched Earth on Your Debt

💵 Type your money question, get a Ramsey answer instantly. [https://ter.li/3iltz9] Jade Warshaw and Rachel Cruze answer your questions and discuss: * "Should I sell some silver that was gifted to me?" * "Should we downsize our home to get ahead on the Baby Steps?" * "How do I talk to my mother-in-law about settling their Parent PLUS loans?" * "How do I balance paying off debt and still having enough to cover my expenses?" * "How do I get my husband to be more aggressive about Baby Step 2?" * "I'm $26,000 in debt, is getting a debt consolidation loan a good idea?" * " How can I grow my savings so I can afford to buy a house?" * "How do I cashflow going back to college to increase my income?". 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]. 💵 ⁠Start your free budget today. Download the EveryDollar app! [https://ramsey.solutions/69dj3s] 🚢 [https://ter.li/d8v5cz] ⁠⁠Cruise with Ramsey: Save $300 this week only! [https://ter.li/d8v5cz] 💻 Need help with your taxes? See who we trust. [https://ter.li/x7t76q] Connect With Our Sponsors: * 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! * Go to https://www.casper.com/RamseyCasper Sleep [https://www.casper.com/Ramsey] and use promo code RAMSEY to learn more * If you want your car to keep going and going, trust Christian Brothers Automotive [https://www.cbac.com/ramsey]. Find a local shop and get an exclusive Ramsey discount of 10% off * 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! * Debt collectors hassling you? Take back control of your life at Guardian Litigation Group [https://www.guardianlit.com/Ramsey] * 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 * 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 Have $1,400 To My Name and I'm Considering Bankruptcy

💵 ⁠Your Money Questions Answered by Ask Ramsey!⁠ [https://ramsey.solutions/1fag4p] 🚢 ⁠Set sail with Dave Ramsey. Book your cabin today. [https://ter.li/i6n69l] Jade Warshaw and Dr. John Delony answer your questions and discuss: * "We can't pay off our debt fast enough to beat the accumulating interest. What should we do to get out of this?" * "My car was recently repossessed, should I try to get it back?" * "How do we plan for a wedding while we are in Baby Step 2?" * "Will going back to school slow down my financial future?" * "My mother-in-law is trying to force us to buy a house before we are ready. How do we set a boundary with her?". 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]. 💻 File your taxes with 100% accurate software that’s less than half of the price [https://ter.li/s0mfrt] 💵 ⁠⁠⁠⁠⁠⁠⁠Start your free budget today. Download the EveryDollar app!⁠⁠⁠⁠⁠⁠ [https://ramsey.solutions/6okro3] Connect With Our Sponsors: * 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! * Go to⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠ [https://www.casper.com/Ramsey]⁠⁠⁠⁠⁠⁠⁠Casper Sleep⁠⁠⁠⁠⁠⁠⁠ [https://www.casper.com/Ramsey] and use promo code RAMSEY to learn more * If you want your car to keep going and going, trust ⁠⁠⁠⁠⁠⁠⁠Christian Brothers Automotive⁠⁠⁠⁠⁠⁠⁠ [https://www.cbac.com/ramsey]. Find a local shop and get an exclusive Ramsey discount of 10% off * 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! * Debt collectors hassling you? Take back control of your life at ⁠⁠⁠⁠⁠⁠⁠Guardian Litigation Group⁠⁠⁠⁠⁠⁠⁠ [https://www.guardianlit.com/Ramsey] * 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 * 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]