When You Feel Overwhelmed, Control the Controllables
🤔 Think you’re good with money? Take our Money in America quiz!
Dave Ramsey and Rachel Cruze answer your questions and discuss:
"Should I pay off my HELOC first in my debt snowball?"
"Is it possible to graduate Baby Step 4?"
"We're expecting $500,000 from the sale of a business. How do we best use these funds?"
"How do I break the news to my wife that we are broke and $500,000 in debt?"
"I own my own business and haven't been saving for taxes. How do I get out of this mess and keep the business going?"
"Can I change my career now that I've finished Baby Step 2?"
"Should we consider our rental property as debt in Baby Step 2?"
"How do I get out of a motorcycle I'm upside down on?"
"How can I convince my husband that we need to create a joint account?"
"My wife wants to take a trip to Europe but I would rather keep investing 40% of our income."
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!
📈 Are you on track with the Baby Steps? Get a free personalized plan.
🏠 Get organized and prepared to buy or sell a home.
🎟️ Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville.
💵 Start your free budget today. Download the EveryDollar app!
📚 Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every …
🛡️ Protect yourself with trusted insurance coverage that fits your budget.
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💰 George Kamel
🪑 Front Row Seat with Ken Coleman
📈 EntreLeadership
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2:18:29
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2:18:29
You Can’t Hack Your Way Out of Debt
🤔 Think you’re good with money? Take our Money in America quiz!
Dave Ramsey and Dr. John Deloney answer your questions and discuss:
"Should I lock my husband out of our savings account to stop his spending?"
"How do I pay off debt as a single mom?"
"Should I finance a car with my company's stipend?"
"Is it wise for me to be paying my mom's life insurance policy so it will clean up her mess when she passes?"
"Is my total net worth too tied up in real estate?"
"We're drowning in personal and business debt. Should we file for bankruptcy?"
"Should I pull from my IRA to build a cabin or just take out a loan?"
"Should I just let go of the idea of marrying my partner?"
"I just got divorced at 73 years-old. How do I make my last $100,000 last into retirement?"
"Should I pay my mortgage off when a family member is the loan holder?"
"My mortgage lender is highly encouraging me to refinance in order to free up my income to pay off debt"
"Our family owned farm has grown 3x in equity. Should we sell it and invest the proceeds?"
"We make $200,000 but can't seem to get back on track. What are we doing wrong?"
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!
📈 Are you on track with the Baby Steps? Get a free personalized plan.
🎟️ Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville.
💵 Start your free budget today. Download the EveryDollar app!
🛡️ Get trusted insurance coverage that fits your budget.
👫 Check out our free Term Life Insurance Guide for helpful info and resources.
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
--------
2:18:18
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2:18:18
Don’t Let Panic Derail Your Plan
🤔 Think you’re good with money? Take our Money in America quiz!
Dave Ramsey and Ken Coleman answer your questions and discuss:
"We're barely scraping by and I just found out I'm pregnant"
"I have to ask my husband for money for anything I do - should I divorce him? "
"I'm 20 years old and considering filing for bankruptcy"
"How do I start investing?"
"I'm getting a large inheritance. How should I invest it?"
"We're net worth millionaires but struggle to pay our bills"
"I've been fired twice and we're drowning in debt"
"What is your opinion on being able to Vemno the government to pay down the national debt?"
"Should we buy a home in cash if we are going to be moving every few years?"
"Can we do the debt snowball out of order since we have a baby on the way?"
"Our families are giving us a wedding gift of $20,000. How do we best use this money as newlyweds?"
"Can I afford a second child with the home repairs we have to pay?"
"I'm 65, can I afford to retire?"
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!
📈 Are you on track with the Baby Steps? Get a free personalized plan.
💵 Start your free budget today. Download the EveryDollar app!
🛡️ Get trusted insurance coverage that fits your budget.
🎟️ Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville.
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
--------
2:18:11
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2:18:11
Debt Always Comes With Strings Attached
🤔 Think you’re good with money? Take our Money in America quiz!
Dave Ramsey and Rachel Cruze answer your questions and discuss:
"What should I do with $100,000 I have sitting in my account?"
"My husband doesn't think I should spend money since I'm a stay-at-home mom..."
"I am $2.5 million in debt. Should I pay it down if it's low interest?"
"I feel guilty moving out if it puts my sisters in a bind financially..."
"Can we afford a $200,000 bus to travel in retirement?"
"My ex-fiancée stopped paying on her car that I cosigned on..."
"Should I liquidate my cryptocurrency to pay off my debt?"
"Our financial advisor is telling us to buy a multi-family property, is this a good real estate investment?"
"How do we split up the expenses for our wedding without combining money?"
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!
📈 Are you on track with the Baby Steps? Get a free personalized plan.
💵 Start your free budget today. Download the EveryDollar app!
🛡️ Get trusted insurance coverage that fits your budget.
🎟️ Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville.
📚 Set and actually reach your goals with the NEW 2026 Ramsey Goal Planner! Hurry—they sell out every year!
👫 Check out our free Term Life Insurance Guide for helpful info and resources.
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
--------
2:16:23
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2:16:23
If You Feel Stuck, It’s Time for a Reset
🤔 Think you’re good with money? Take our Money in America quiz!
Ken Coleman and George Kamel answer your questions and discuss:
"Should I lease a car to get out of my car loan?"
"I'll lose my disability benefits if I get a better job..."
"I feel like I'll never see the money that I'm investing..."
"I did the Baby Steps out of order. How do I get back on track?"
"How can we pay off debt when our mortgage payment is crushing us?"
"How do I convince my husband that it's time to move out of my parents' house?"
"Pay off business car debts first or save?"
"Are credit cards worth it for the travel miles?"
"How do I balance paying off business debt and expanding?"
"Should I pull from an inherited IRA to pay off debt?"
"What should I do with $45k I have in a safe at home?"
"FW: What do I do when I've reached "the end" of the Baby Steps?"
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!
💵 Start your free budget today. Download the EveryDollar app!
🛡️ Get trusted insurance coverage that fits your budget.
🎟️ Two Weekends. One Life-Changing Experience. Get away with your spouse in Nashville.
🪪 Learn more about ID Theft Protection
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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