The Ramsey Show - podcast cover

The Ramsey Show

Ramsey Networkwww.ramseysolutions.com
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

Episodes

Your Financial Mistakes Shouldn’t Define You

📈 ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠ 📱 Watch the full episode for free in the Ramsey Network app. George Kamel and Ken Coleman answer your questions and discuss: "Should we sell or keep a house we regret buying?" "How do I convince my husband to use our savings to pay off debt?" "I bought a house with my ex-fiancé and now the house is going into foreclosure." "How do I plan for future debt?" "Should I focus on paying off the negative equity on my truck?" "Do I...

May 09, 20251 hr 40 min

Stop Overthinking and Start Taking Action

📈 ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠ 📱 Watch the full episode for free in the Ramsey Network app. Jade Warshaw and Ken Coleman answer your questions and discuss: "Are we using our sinking funds as a form of debt?" "My In-laws built a suite attached to our house. We no longer like this arrangement, how do we get out of this?" "Do I need to honor my grandmother's wishes in regards to the inheritance she left us?" "Should we stop paying down our debt to buy an RV...

May 08, 20251 hr 40 min

Your Bank Balance Is a Reflection of Your Habits

📈 ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠ 📱 Watch the full episode for free in the Ramsey Network app. Ken Coleman and Jade Warshaw answer your questions and discuss: "Should I drain my savings to pay off debt if I have a one-year-old?" "I'm 64 years old and my investments aren't making money," "How can I get out of a debt relief program?" "How can I grow my savings while working on my career?" "Should we share details about our financial situation with our kids?" ...

May 07, 20251 hr 41 min

Big Dreams Require Big Sacrifices

Rachel Cruze and George Kamel tackle listener questions about family finances, truck troubles, and retirement planning. They discuss managing resentment towards family, making smart car decisions, and balancing generosity with personal well-being. The episode also emphasizes the importance of budgeting, debt management, and seeking professional advice for business transitions.

May 06, 20251 hr 41 min

You Can Make Progress Even When It Feels Impossible

📈 ⁠⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠⁠ 📱 ⁠Watch the full episode for free in the Ramsey Network app.⁠ Ken Coleman and Jade Warshaw answer your questions and discuss: "Should I file for divorce to protect myself from my husband's dishonesty about his debt?" "I purchased a home with my in-laws seven years ago. How do we get out of this without hurting them?" "I'm being sued by two credit card companies. How do I get out of this mess?" "My teaching job is wearing...

May 05, 20251 hr 41 min

Smart Money Decisions Often Mean Sacrificing Today for Tomorrow

📈 ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠ 📱 Watch the full episode for free in the Ramsey Network app. Dave Ramsey & Jade Warshaw answer your questions and discuss: How do we handle debts when dissolving a family business? Our mortgage is going to be 50% of our income Is it necessary to at some point get a credit card? Is it ok to enjoy our money while we're still young? Our landlord is starting to become hostile; should we move? When is an emergency fund no longer...

May 02, 20251 hr 41 min

Don’t Let Self-Limitations Keep You From Building Wealth

📈 ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠ 📱 Watch the full episode for free in the Ramsey Network app. Dave Ramsey and Dr. John Deloney answer your questions and discuss: "How do I protect myself and my children financially while going through a divorce?" "Should we buy an investment property with my daughter's settlement money?" "Am I being selfish if I don't pay for activities for my family at a destination wedding?" "How do I convince my husband that work isn’t ...

May 01, 20251 hr 41 min

Your Feelings Don’t Build Wealth — Discipline Does

📈 ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠ 📱 Watch the full episode for free in the Ramsey Network app. Dave Ramsey and Jade Warshaw answer your questions and discuss: "What is my obligation to my future in-laws who make bad financial decisions?" "How do I motivate my wife to get on board with becoming gazelle intense?" "I'm being sued by an insurance company & my family wants me to file bankruptcy. What should I do?" "I moved states to support my girlfriend but we ...

Apr 30, 20251 hr 42 min

Budgeting Leads You out of Debt & Into Wealth

📈 ⁠Are you on track with the Baby Steps? Get a Free Personalized Plan⁠ 📱 Watch the full episode for free in the Ramsey Network app. Dave Ramsey and Rachel Cruze answer your questions and discuss: "My boyfriend doesn't want to work. Is this a dealbreaker?" "Should I take out a loan to start a business?" "When can I start enjoying my retirement nest egg?" "Is my mom responsible for my dad's credit card debt?" "I have buyer's remorse after buying a classic car. Should I sell it?" "Should we sell ...

Apr 29, 20251 hr 41 min

Your Future Depends on What You Do Today

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan 📱 Watch the full episode for free in the Ramsey Network app. Rachel Cruze & Jade Warshaw answer your questions and discuss: "Am I being too harsh on my 18 year old?" "Can we get a mortgage that will be 50% of my income?" "Can you successfully build wealth without attending college?" "Should I pause my debt snowball to buy an engagement ring?" "I'm divorcing my husband at 19, how do I take care of my child going forward?" "I'm...

Apr 28, 20251 hr 41 min

Stop Messing Around & Follow the Plan That’s Proven To Work

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan 📱 Watch the full episode for free in the Ramsey Network. app George Kamel and Jade Warshaw answer your questions and discuss: "We're in the middle of a bankruptcy and now have $25k in home repairs," "Not having direct access to my savings scares me," "Is it okay to do my debt snowball out of order?" "How can I help my adult son and daughter buy homes?" "Should we pay down our house or wait until rates come down?," "Should I p...

Apr 25, 20251 hr 42 min

When Are You Going To Clean Up Your Financial Mess?

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan 📱 Watch the full episode for free in the Ramsey Network. app Dave Ramsey and Rachel Cruze answer your questions and discuss: "My mother-in-law is threatening to sue us over a home they built on our property," "Should I pay to fix my car or have it voluntarily repossessed?" "My boyfriend left me after finding out I'm pregnant. How do I prepare my finances?" "My mom is being charged with federal embezzlement over an inheritance...

Apr 24, 20251 hr 41 min

Don’t Let Panic Influence Your Financial Decisions

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan 📱 Watch the full episode for free in the Ramsey Network app Ken Coleman & Jade Warshaw answer your questions and discuss: "We are falling behind on Baby Step 2. Should we get a debt consolidation loan?" "How do we help my father-in-law get out of debt?" "Should we change our rate of retirement investing?" " I completely trashed my credit and now I can't find a place to rent," "Everyone is telling me to file for bankruptcy, wh...

Apr 23, 20251 hr 40 min

Don’t Throw Away Your Long-Term Security for Quick Fixes

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan 📱 Watch the full episode for free in the Ramsey Network. app Dave Ramsey and Jade Warshaw answer your questions and discuss: "We lost our paid off home to a fire recently and it was severely under insured..." "I'm about to fall behind on my payments and I have no income. How do I get out of this situation?" "I have collection agencies coming after me. How do I negotiate with them?" "We were in Baby Step 7 but now find ourselv...

Apr 22, 20251 hr 41 min

You Can’t Borrow Your Way to Freedom

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan 📱Finish today's episode for free in the Ramsey Network app. Rachel Cruze & George Kamel answer your questions and discuss: "Should I sell my car to get out from under the payment I can't afford?" "How do I get out from under medical, credit card and personal loan debt?" "We are being told not to pay for a house in cash," "Is opening a 0% interest credit card ever a good idea?" "My husband refuses to plan for retirement. How d...

Apr 21, 20251 hr 41 min

Money Stress Isn’t Always About Money

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan 📱 Watch the full episode for free in the Ramsey Network app. While we are out for Good Friday, we've compiled some of our favorite Rachel and John calls from 2024. Enjoy the long weekend and we'll be back with a live show on Monday! Rachel Cruze & John Delony answer your questions and discuss: ‘My parents are threatening to kick me out?’ 'My girlfriend moved in but doesn't have a job’ ‘I took my brother's job after he got fir...

Apr 18, 20251 hr 38 min

Wealth Magnifies Who You Already Are

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan 📱 Watch the full episode for free in the Ramsey Network app. Dave Ramsey and John Delony answer your questions and discuss: "How do I teach an 18-year-old to budget when they are surrounded by wealth?" "I was the beneficiary of a life insurance payout. My family is now telling me I have to share" "How do I pay off an engagement ring that I bought with a credit card?" "My wife consistently overdrafts her bank account. How do I...

Apr 17, 20251 hr 40 min

Stick to the Plan Even When It’s Tough

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan 📱 Watch the full episode for free in the Ramsey Network app. Dave Ramsey and Jade Warshaw answer your questions and discuss: "A company wants to use my land for a solar farm. What questions should I be asking them?" "Should we pay off my girlfriend's student loans or my mortgage first?" "Is it necessary to at some point get a credit card? My mom says it is, but I want to think otherwise," "I'm trying to follow the Baby Steps ...

Apr 16, 20251 hr 40 min

It’s Not Too Late to Get Back on Financial Track

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan 📱 Watch the full episode for free in the Ramsey Network app. Dave Ramsey and George Kamel answer your questions and discuss: "Should I settle with the creditor who sold my repossessed car?" "How do I get out of my real estate investments?" "When can we spend money on a vacation?" "I'm 25 years old and $165,000 in debt," "I'm 64 with no retirement and I owe the IRS $70k," "Why do houses go up in value while cars go down?" Next...

Apr 15, 20251 hr 42 min

You Can Move From Family Drama to Financial Peace

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan 📱 Watch the full episode for free in the Ramsey Network app. Dave Ramsey and Jade Warshaw answer your questions and discuss: "My niece is trying to block us from my mom's estate," "How do we handle finances and kids in a second marriage?" "Should I sell my truck?" "My brother wants to borrow money from me," "Can I pay off my mortgage?" Next Steps: ✅ Help us make the show better by taking this short survey! 📞 Have a question ...

Apr 14, 20251 hr 40 min

Money Isn't the Problem—Your Behavior Is

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan 📱 Watch the full episode for free in the Ramsey Network app. George Kamel & Jade Warshaw answer your questions and discuss: Moving to a different star but making less money When pausing debt payoff makes sense Taxes 101 "What is considered tithing?" "Should we spend $30K on a vacation?" Why co-signing on a car loan is always a bad idea Support Our Sponsors: 🛒 Stop paying more and start shopping smarter at Aldi 🌱 Get 10% off...

Apr 11, 20251 hr 36 min

It’s Time to Stop Surviving and Start Taking Control

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan 📱 Watch the full episode for free in the Ramsey Network app. Rachel Cruze & Ken Coleman answer your questions and discuss: "How do I pay off $65k in credit card debt?" "How do I plan surprises for my wife?" "How do I stop living paycheck-to-paycheck?" "Was it a mistake to quit my job?" "The tariffs are hurting my business," "My wife hasn't filed her taxes in 3 years," Support Our Sponsors: 🛒 Stop paying more and start shoppi...

Apr 10, 20251 hr 39 min

You Can Still Escape the Debt Spiral Before It’s Too Late

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan 📱 Watch the full episode for free in the Ramsey Network app. Ken Coleman & Dr. John Delony answer your questions and discuss: "My father-in-law left us a poorly maintained house that has taxes owed on it," "I have $40k of credit card debt," "How do I prioritize paying off student loans and other debts at a young age?" "Are prepaid service plans a good idea?," "Should I help my dad get a debt consolidation loan?," "My husband ...

Apr 09, 20251 hr 38 min

Money Stress Is Real, But So Is The Solution

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan 📱 Watch the full episode for free in the Ramsey Network app. Dave Ramsey & George Kamel answer your questions and discuss: "My grandparents put their 4 homes in an LLC to keep us from moving away or selling to strangers," "Should I defer to my husband with our finances?" "Should I start a side hustle or get a job?" "Are there any good 'short term' investments?" "Do we adjust my husband’s life insurance as he makes more money?...

Apr 08, 20251 hr 38 min

Skip the Scams, Build Real Wealth

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan 📱 Watch the full episode for free in the Ramsey Network app. Dave Ramsey & Jade Warshaw answer your questions and discuss: "Over half my income goes towards legal debt," "My investments aren't doing well..." "My husband lost his 401(k) to a crypto scam," "How do I use proceeds from selling my cows?" "Does the house payment percentage go up if you're a high earner?" Why you shouldn't buy into the market drop fears. Support Our...

Apr 07, 20251 hr 37 min

Stop Watching the Market—Start Building Wealth

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan 📱 Watch the full episode for free in the Ramsey Network app. George Kamel & Ken Coleman answer your questions and discuss: "I was scammed by a family friend and I'm afraid to trust anyone now regarding investing," "I can’t afford to invest 15%," "Should I open a traditional IRA for the tax benefits?" "Should I use a national debt relief plan?" 5 Tax Myths, "What advice do you have regarding budgeting for scheduled withdrawals...

Apr 04, 20251 hr 39 min

Life Happens. Are You Going To Be Ready for It?

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan 📱 Watch the full episode for free in the Ramsey Network app. Dave Ramsey & Dr. John Delony answer your questions and discuss: "I made almost $200K last year and have nothing to show for it," "We owe $20k more on a car than it's worth," "Stop investing to save for a house?" "I just found out my wages are being garnished," "Do you have advice for adult children discussing wills with their parents?" Support Our Sponsors: 🛒 Stop...

Apr 03, 20251 hr 36 min

Don’t Give All Your Money to Banks and Wonder Why You’re Broke

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan 📱 Watch the full episode for free in the Ramsey Network app. Dave Ramsey & Rachel Cruze answer your questions and discuss: "Are my future in-laws committing fraud?" "My mortgage is 75% of my take home pay..." "Should we put a big down payment on a house or a smaller one and invest the balance?" "Should we move in with my Dad?" "Your investing advice doesn't line up with life expectancy statistics..." "I fight with my girlfrie...

Apr 02, 20251 hr 38 min

Discipline Is the Key to Building Wealth

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan 📱 Watch the full episode for free in the Ramsey Network app. Dave Ramsey & Ken Coleman answer your questions and discuss: "I’m dating a man who thinks 401k investing is a scam," "How do I build wealth making $65k a year?" "What changed your mind about personal tax preparation?" "Is it crazy to turn down a job right now?" "Do I need to sell my classic car?" "My husband wants to keep our 'tax write-off' debt," Support Our Spons...

Apr 01, 20251 hr 38 min

Normal Is Comfortable, but Comfort Doesn’t Build Wealth

📈 Are you on track with the Baby Steps? Get a Free Personalized Plan 📱 Watch the full episode for free in the Ramsey Network app. Dave Ramsey and Jade Warshaw answer your questions and discuss: "I feel like I'm in a hole and can't get out," "How do I discuss wedding contributions with family?" "My husband and I have no retirement savings..." "I was fired and I'm struggling to find a new job," "Should I turn my side hustle into a business?" Support Our Sponsors: 🛒 Stop paying more and start sh...

Mar 31, 20251 hr 35 min
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