The Dave Ramsey Show

Dave Ramsey & Dr. John Delony answer your questions and discuss: "I'm being sued by a credit card company," "Should we pay off student loans first or buy a house?" "Pull from stocks to pay off our house?" "Should I lie to my entitled mother about money?" "Should I pay my dad's parent plus loan?" "Should I use savings to pay off my truck?" "Go back to school if we still have debt?" "My wife struggles with my career as a firefighter," Dave's advice around prenups, "Should my parents set up a trust or a will?" "How can I get rid of my car?" "Convincing my daughter to pay cash for college," "Should I leave my marriage? Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: NetSuite BetterHelp Zander Insurance Neighborly Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The

Dave Ramsey & George Kamel answer your questions and discuss: Setting goals that actually work, "How do we stop living paycheck to paycheck making $130k a year?" "How should I plan to buy a house?" read more: First-Time Home Buyer’s Complete Guide, "Should we wait for student loan forgiveness?" "How can I ditch my universal life policy?" "Should we buy a failed business?" "How can I talk to my husband about money?" "My parents are in financial ruin," "How can I pay off debt with 90% interest?" "Do your parents' debts pass on to you?" "What's the best way to invest $200K?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Churchill Mortgage Zander Insurance BetterHelp Neighborly Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke! Need help with your taxes? See who we trust: Click Here Protect yourself with the right coverage—take our coverage quiz! Want a plan for your money? Find out where to start: Click Here

Dave Ramsey & Ken Coleman answer your questions and discuss: "Should we sell our house to buy another one?" "Should I buy my wife a new car?" "My health insurance is $1500/month," "I'm a pastor, how can I increase my income?" "Should I buy a $1m House" "Pay off my house or focus on retirement?" "How do I buy a house without credit?" "Creating a budget for inconsistent income?" "We loaned our son money that he won't pay back," "Should I tithe if I don't attend the church?" "I'm having a moral conflict with my career," "Save extra in case my 529 runs out?" "How do I discern if my new job is good or not?" "Should we focus on finding good interest rates?" "What should I do with an inheritance?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: BetterHelp USCCA NetSuite Zander Neighborly Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show

Dave Ramsey & George Kamel answer your questions and discuss: "I'm 22 years old, how do I start investing?" "Should I pay off my ex-husband's house?" "Should I invest more than 15%?" "Should we use savings to pay off the house?" "Marriage is falling apart, wife is crazy spending," "What should I do with an annuity my dad left?" "Ex-wife wants a one-time alimony payment" "Should I get a career starter loan from the navy?" "What should I do with my old 401(k)?" "We're having trouble keeping a budget," "When do you have to pay capital gains tax?" "How do I save money left from scholarships?" "Trying to decide between two jobs." Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: BetterHelp Zander Insurance Balance of Nature USCCA Neighborly Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke! Join the Crusade at Ramsey Solutions! Apply Now! Want a plan for your money? Find out where to start: Click Here Listen to a

Dave Ramsey & George Kamel answer your questions and discuss: "We disagree on how much to save for a house," "How do I save for retirement at my age?" "What should I do after going through divorce?" "How do I start building long-term wealth?" "How should I enjoy wealth as a pastor?" "Should I pay off medical bills or cars?" "Should I mortgage my rental properties?" "How do I prepare for upcoming expenses?" "Should I be concerned about de-dollarization?" Baby Steps Millionaire Theme Hour. Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Zander Insurance Balance of Nature Christian Healthcare Ministries BetterHelp Neighborly Join the Crusade at Ramsey Solutions! Apply Now! Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about

Dave Ramsey & Jade Warshaw answer your questions and discuss: "Take advantage of credit card points?" "How to prepare for a job loss?" "Should I change companies for a raise?" "How do I set boundaries with my parents?" "How do I navigate a family tragedy?" What happens to your brain when you experience trauma, "How can I help my son with his medical debt?" "Should we refinance our mortgage?" Trying to sell a camper to family, "Buy a new car or pay off my house?" "401(k) loan to pay off a reverse mortgage?" "Pull from a brokerage account to pay off debt?" "Buy a second home to be near my boyfriend?" "Get a job that pays more if it requires a new car?" "How do I stop living below the poverty line?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: USCCA Zander Insurance BetterHelp Churchill Mortgage Neighborly Protect yourself with the right coverage—take our coverage quiz! Have more money and less stress with George Kamel's NEW book, Breaking

Dave Ramsey & Dr. John Delony answer your questions and discuss: "I'm running out of money to fight for custody," "Should I wait to pay off my house?" "Making wise plans for our future family," "Am I on Baby Step 2 or Baby Step 7?" "How soon should we pay off our mortgage?" "How do you explain paying off a home with a low monthly payment/balance?" "We are scared to go into debt for a house" "Should we update our house even if we move later?" "I owe over $200K in student debt, what do I do?" "How can I help my mother with her spending?" "How do I get out of my 19% interest car loan?" "How do I access funds in retirement?" "Should I downsize now that the kids are gone?" "Am I too old to take out a student loan?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Churchill Mortgage BetterHelp Zander Insurance Balance of Nature Neighborly Need help with your taxes? See who we trust. Protect yourself with the right coverage—take our coverage quiz! H

Merry Christmas! We hope you enjoy this special replay episode of our Annual Giving Show from last year. If you missed this year's Giving Show on December 18th, it was a special one; make sure you go back and listen to it. Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsor: Neighborly Need help with your taxes? See who we trust. Protect yourself with the right coverage—take our coverage quiz! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Jade Warshaw & Ken Coleman answer your questions and discuss: "Should I refinance my student loans?" "Am I being too intense?" "Should we give money in Baby Step 2?" "How do I handle a loan with my ex-husband?" "Should I quit my day job?" "How do I start paying off my credit cards?" "How can we cash flow a baby?" Buying a house while paying off debt, "I owe my sister $20,000," Jade shares party budgeting tips for Christmas, "What should I do after paying off debt?" "Should I sell my car?" "How do I pay off debt & build wealth?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Zander Insurance Churchill Mortgage BetterHelp Balance of Nature Neighborly For help with investing, get connected with a SmartVestor Pro: Click Here Protect yourself with the right coverage—take our coverage quiz! Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke! Want a plan for your money? Find out where to start: Click Here Listen

Dave Ramsey & Jade Warshaw answer your questions and discuss: "Should we sell our house?" "I don't want to wait to start investing," "Should we buy a smaller house?" "How can I get out of debt?" "My ex-wife isn't contributing to our kids' education," "Should I pay off my fiance's debt?" "Should I wait to sell my car?" "How do I navigate life without credit?" "Should I take out a HELOC to do a remodel?" "What should I do with my whole life insurance policy?" "My husband wants to buy a new side-by-side," "My student loans are going into collections," "Financially preparing for divorce," "Should I buy a Camaro?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Balance of Nature BetterHelp Zander Insurance Neighborly Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke! Need help with your taxes? See who we trust: Click Here Protect yourself with the right coverage—take our coverage quiz! Want a plan for your mone

Dave Ramsey & Ken Coleman answer your questions and discuss: "My in-laws are trying guilt us into letting my brother-in-law move in with us..." "How should I use a large inheritance?" "Where should I invest while saving for a home?" "Can we afford to buy a house?" read more: How Much House Can I Afford? "Should I take out a loan for online courses?" "Can we get rid of our term life insurance?" "How do we finalize the paying off of our house?" "Should I pull from stocks to pay off debt?" "Should I live in a mobile home to save money?" "I have an 'income for life' rider on my annuity," "How do I guide my son in this crazy job market?" "Should I give my 18-year-old a house?" "Should I quit my job?" "Should we sell our house when we move?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: BetterHelp Zander Insurance USCCA Neighborly Protect yourself with the right coverage—take our coverage quiz! Have more money and less stress with George Kamel'

Dave Ramsey & Jade Warshaw answer your questions and discuss: A young widow that lost confidence her managing her finances after her husbands passing, learn more: EveryDollar.com How to prepare to buy a home when getting married, A Debt Free Scream from a couple that almost didn't get married because of the amount of debt they had, A caller that didn't know if he should sell his rental properties to improve his cashflow, read more: How to Invest in Real Estate A wife who discovered her husband had 22 credit cards he had hidden from her, "Are tax-relief companies legitimate?", learn more: RamseySolutions.com/TaxPro Homesteading is a great idea but you should never do it for the tax benefits, Why you should never do a land contract, What to do when your debt is more than your annual income, read more: How the Debt Snowball Method Works How to prepare to buy a house, read more: How to Buy a House in 2023 A Debt Free Scream from a couple that battled infertility issues while tackling their de

Dave Ramsey, George Kamel, and Jade Warshaw hear your stories of outrageous generosity. It's one of our favorite shows of the year, you don't want to miss it! Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: USCCA Zander Insurance Churchill Mortgage BetterHelp Neighborly Need help with your taxes? See who we trust: Click Here Protect yourself with the right coverage—take our coverage quiz! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

George Kamel & Ken Coleman answer your questions and discuss: How to find a new vehicle for an affordable price after a total loss, read more: 10 Car Buying Tips What to know before hiring a financial planner, Find your very own SmartVestor Pro today The best uses for the profits of selling real estate, Why mortgage rates are dropping and how the market affects them, read more: RamseySolutions.com/Agent How to decide if you should move closer to work if it will increase your rent, What you should considering selling when tackling your debt, A caller that told us she's pregnant and overwhelmed by debt, Why student loans are not the answer to increase your income, Why you shouldn't do all the Baby Steps at one time, read more: The 7 Baby Steps How to determine if you can afford to go from a dual to single income so one of the parents can stay home with the kids, How to pay off debt when trying to make a career change, A caller who's in-laws took out $15,000 of student loans in their daughters

Jade Warshaw & Ken Coleman answer your questions and discuss: "Should we travel out of the country for a wedding while paying off debt?" "How do we restart the Baby Steps?" "Is it okay to take out a mortgage?" "Can I get a college degree without debt?" The "American Nightmare" created by the US's obsession with debt, "How can I know my value in the job market?" "Would it be smart to buy a $65K car?" "How can I get my finances under control?" "Should I sell my house to pay off debt?" "How should I go back to school?" "Budgeting while in a high cost-of-living area," "How do I prepare for a potential strike?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Balance of Nature USCCA Zander Insurance Neighborly Start your EveryDollar Free Account today: Click Here You could WIN $5,000! Enter the Ramsey Christmas Cash Giveaway today! Need help with your taxes? See who we trust: Click Here Want a plan for your money? Find out where to start: Click Here

Dave Ramsey & Dr. John Delony answer your questions and discuss: "My husband doesn't help with our bills," "I just took out my first student loan," "Should I borrow $1.2M to buy a small business?" "How do I prepare to move out?" Why most of your poor financial decisions start with you, "Cash out my profit sharing to pay off debt?" "How can I buy a car with bad credit? "My spouse's spending is crippling our finances," "My tax professional filed my taxes wrong," Dealing with collectors, "Can we afford to buy a house?" "My mom has had a whole life policy since 1996," "How do we buy our first rental property?" "Am I eligible for manual underwriting?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Zander Insurance Balance of Nature BetterHelp Neighborly Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke! Start your EveryDollar Free Account today: Click Here You could WIN $5,000! Enter the Ramsey Christmas Cash

Dave Ramsey & Ken Coleman answer your questions and discuss: "I'm making $150k at my side hustle...can I quit my job?" read more: How to Take Your Side Hustle Full Time, "What should my goals be in Baby Steps 4-6?" "How much house should we buy?" "I haven't filed taxes since 2020..." read more: Tax Debt Relief: How to Handle Back Taxes, "How do I use this inheritance?" "Is now a good time to start my own business?" "How do I prepare to get fired?" "My store is on the brink of bankruptcy..." "My wife wants to pay off the higher balance debt first," "How do I pay off my home while trying to retire?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: USCCA BetterHelp Churchill Mortgage Zander Insurance Neighborly You could WIN $5,000! Enter the Ramsey Christmas Cash Giveaway today! Find a Ramsey Trusted Real Estate Agent: Click Here Start your EveryDollar Free Account today: Click Here Want a plan for your money? Find out where to start: Click Here

Dave Ramsey & George Kamel answer your questions and discuss: "My wife doesn't think we can afford to retire," "How do I start paying off debt?" "Should I wait for interest rates to come down?" "My boyfriend wants us to buy a house in cash," "Is it possible to eliminate the national debt?" "How can I best guide my mom & sister?" "I got scammed by my dad," "What should I do with income from my rental?" Following up with a previous caller (Sarah from Nashville), "I'm lost on how to manage my money" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: BetterHelp Zander Insurance Balance of Nature DreamCloud Neighborly Start your EveryDollar Free Account today: Click Here Have more money and less stress with George Kamel's NEW book, Breaking Free From Broke! Find a Ramsey Trusted Real Estate Agent: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on

George Kamel & Dr. John Delony answer your questions and discuss: Dealing with an online gambling addiction, Budgeting for therapy, Sacrificing to pay off over $200k in student loans, Moving forward after debt, divorce and job loss, "I lied to my girlfriend about my debt," Cancelling insurance to pay off debt, What debts to pay off first Where to start when you owe over $400k in debt, "My debt is keeping us from owning a house" "I feel so constrained by our budget this Christmas" "Bankruptcy is not the solution to your problem" "How do I keep myself from spoiling my kids" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: USCCA Balance of Nature BetterHelp Zander Insurance Neighborly You could WIN $5,000! Enter the Ramsey Christmas Cash Giveaway today! Find a Ramsey Trusted Real Estate Agent: Click Here Start your EveryDollar Free Account today: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey

Rachel Cruze & Ken Coleman answer your questions and discuss: Letting go of past financial mistakes, "My husband doesn't want me to stay at home," "We feel guilty spending our money," "I barely make any money, what can I do?" "Should I take out more loans to continue my education?" "How do I talk to my parents about money?" Money lessons from Christmas movies, "Paying off debt while unemployed," "Should we sell our house when we move?" "Should I tell my boss that I'm looking for a new job," "Did we buy too much home?" "Take out student loans to start a business?" "Is our childcare cost too high?" Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: DreamCloud Churchill Mortgage Zander Insurance BetterHelp Neighborly Start your EveryDollar Free Account today: Click Here You could WIN $5,000! Enter the Ramsey Christmas Cash Giveaway today! Find a Ramsey Trusted Real Estate Agent: Click Here Want a plan for your money? Find out where to start: Click