The Ramsey Show
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Build Habits That Build Wealth
Aug 14, 2026·2:08:07
2:08:07
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Rachel Cruze and Jade Warshaw answer your questions and discuss: “Should we take a lump sum offer from a cell tower company for the rights to my grandma’s property?” “My wife told me she wants to leave me because of my financial habits. What should I do?” “Are we doing too much by involving our kids in our financial planning meetings?” “We’re behind on our bills and stuck in a cycle of daily payments. How do we get ahead?” “Should I invest more to catch up on retirement while still paying down my house?” Next Steps: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET 📩 Email Dave On-Air With Your Questions on Debt and Finance 💻 New to the show and want to learn more? Check out our 7 Baby Steps! 💵 Start your free budget today. Download the EveryDollar app! ❤️🩹 Get trusted insurance coverage that fits your budget 📅 Set and actually reach your goals with the NEW 2027 Ramsey Goal Planner! Hurry—they sell out every year! 🏠 Find a Ramsey Trusted Real Estate Agent Connect With Our Sponsors: Go to Angel Studios to discover entertainment you can feel good about. Get 10% off your first month of BetterHelp Go to Boost Mobile to switch today! If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY. Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice. Get 20% off when you join DeleteMe Go to FAIRWINDS Credit Union for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at Guardian Litigation Group Find top health insurance plans at Health Trust Financial Visit Helix Sleep for special offers! Use code RAMSEY to save 20% at Mama Bear Legal Forms Visit NetSuite today to learn more. Sign up for your $1.00/month trial at Shopify. Get started at World News OR use promo code RAMSEY for a 30-day free trial. Get started with YRefy or call 844-2-RAMSEY Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today! Try ZipRecruiter for free today. Explore more from Ramsey Network: 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💰 George Kamel 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
Live Life With Less Financial Stress
Aug 13, 2026·2:06:51
2:06:51
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Rachel Cruze and Dr. John Delony answer your questions and discuss: “Should we sell our house or take out a loan if repairs cost more than what we owe?” “My 82-year-old mother is being sued by creditors. What is the best way to handle this?” “Should we pay off my wife’s student loans or have her pay them herself?” “My husband wants to skip our solar panel debt and build our full emergency fund instead. What should we do?” “I’m in $55,000 of debt—how do I get out of this?” Next Steps: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET 📩 Email Dave On-Air With Your Questions on Debt and Finance 💻 New to the show and want to learn more? Check out our 7 Baby Steps! 💵 Start your free budget today. Download the EveryDollar app! ❤️🩹 Get trusted insurance coverage that fits your budget 📅 Set and actually reach your goals with the NEW 2027 Ramsey Goal Planner! Hurry—they sell out every year! Connect With Our Sponsors: Go to Angel Studios to discover entertainment you can feel good about. Get 10% off your first month of BetterHelp Go to Boost Mobile to switch today! If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY. Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice. Get 20% off when you join DeleteMe Go to FAIRWINDS Credit Union for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at Guardian Litigation Group Find top health insurance plans at Health Trust Financial Visit Helix Sleep for special offers! Use code RAMSEY to save 20% at Mama Bear Legal Forms Visit NetSuite today to learn more. Sign up for your $1.00/month trial at Shopify. Get started at World News OR use promo code RAMSEY for a 30-day free trial. Get started with YRefy or call 844-2-RAMSEY Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today! Try ZipRecruiter for free today. Explore more from Ramsey Network: 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💰 George Kamel 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
You Can’t Win Without a Clear Goal
Aug 12, 2026·2:07:14
2:07:14
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Dr. John Delony and Jade Warshaw answer your questions and discuss: “My wife committed financial infidelity, how do I rebuild trust with her?” “Do we have a moral obligation to loan a family member money for a custody battle?” “My husband is getting intense about investing but I want to pull back and enjoy our money.” “We are upside down on all our vehicles, what should we do to get out of this situation?” “How can my wife go to dental school without taking out loans?” Next Steps: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET 📩 Email Dave On-Air With Your Questions on Debt and Finance 💻 New to the show and want to learn more? Check out our 7 Baby Steps! 💵 Start your free budget today. Download the EveryDollar app! ❤️🩹 Get trusted insurance coverage that fits your budget 📅 Set and actually reach your goals with the NEW 2027 Ramsey Goal Planner! Hurry—they sell out every year! 🏠 Get organized and prepared to buy or sell a home Connect With Our Sponsors: Go to Angel Studios to discover entertainment you can feel good about. Get 10% off your first month of BetterHelp Go to Boost Mobile to switch today! If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY. Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice. Get 20% off when you join DeleteMe Go to FAIRWINDS Credit Union for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at Guardian Litigation Group Find top health insurance plans at Health Trust Financial Visit Helix Sleep for special offers! Use code RAMSEY to save 20% at Mama Bear Legal Forms Visit NetSuite today to learn more. Sign up for your $1.00/month trial at Shopify. Get started at World News OR use promo code RAMSEY for a 30-day free trial. Get started with YRefy or call 844-2-RAMSEY Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today! Try ZipRecruiter for free today. Explore more from Ramsey Network: 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💰 George Kamel 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
Facts Are Your Friends...Not Feelings
Aug 11, 2026·2:08:30
2:08:30
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Dave Ramsey and Jade Warshaw answer your questions and discuss: “We found mold in our home and I might be getting laid off soon. Should we pull from savings to pay for the $45,000 remodel?” “I’m 19 years old with $58,000 of debt. How do I get out of this?” “How do I keep my financial standards while dating without coming across as rude?” “Should I use gifted money to pay off debt instead of the intended purpose it was gifted for?” “How do I get over the fear of not being financially ready to start a family?” Next Steps: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET 📩 Email Dave On-Air With Your Questions on Debt and Finance 💻 New to the show and want to learn more? Check out our 7 Baby Steps! 💵 Start your free budget today. Download the EveryDollar app! ❤️🩹 Get trusted insurance coverage that fits your budget Connect With Our Sponsors: Go to Angel Studios to discover entertainment you can feel good about. Get 10% off your first month of BetterHelp Go to Boost Mobile to switch today! If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY. Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice. Get 20% off when you join DeleteMe Go to FAIRWINDS Credit Union for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at Guardian Litigation Group Find top health insurance plans at Health Trust Financial Visit Helix Sleep for special offers! Use code RAMSEY to save 20% at Mama Bear Legal Forms Visit NetSuite today to learn more. Sign up for your $1.00/month trial at Shopify. Get started at World News OR use promo code RAMSEY for a 30-day free trial. Get started with YRefy or call 844-2-RAMSEY Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today! Try ZipRecruiter for free today. Explore more from Ramsey Network: 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💰 George Kamel 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
Stop Giving Away Your Control
Aug 10, 2026·2:07:19
2:07:19
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. George Kamel and Jade Warshaw answer your questions and discuss: “I’m struggling to find a job, what should I do to get out of this?” “We’re in $180,000 of debt and I just found out I’m pregnant. What changes should we make to make ends meet?” “I want to sell my late mother’s property but my sister wants to keep it. What should I do?” “I am working 80 hours a week to pay off my home early, but my fiancée wants me to slow down. What should I do?” “I am thinking of going back to school for 11 years. How do I financially prepare for this?” Next Steps: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET 📩 Email Dave On-Air With Your Questions on Debt and Finance 💵 Start your free budget today. Download the EveryDollar app! 👉 Help shape the future of the show. Sign up for a listener interview and tell us what you think. ❤️🩹 Get trusted insurance coverage that fits your budget 🦸 For help with investing, get connected with a SmartVestor Pro! 📅 Set and actually reach your goals with the NEW 2027 Ramsey Goal Planner! Hurry—they sell out every year! Connect With Our Sponsors: Go to Angel Studios to discover entertainment you can feel good about. Get 10% off your first month of BetterHelp Go to Boost Mobile to switch today! If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY. Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice. Get 20% off when you join DeleteMe Go to FAIRWINDS Credit Union for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at Guardian Litigation Group Find top health insurance plans at Health Trust Financial Visit Helix Sleep for special offers! Use code RAMSEY to save 20% at Mama Bear Legal Forms Visit NetSuite today to learn more. Sign up for your $1.00/month trial at Shopify. Get started at World News OR use promo code RAMSEY for a 30-day free trial. Get started with YRefy or call 844-2-RAMSEY Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today! Try ZipRecruiter for free today. Explore more from Ramsey Network: 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💰 George Kamel 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
Change Your Mindset, Change Your Life
Aug 7, 2026·2:08:08
2:08:08
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Dave Ramsey and Rachel Cruze answer your questions and discuss: “We bought a fixer-upper and the work is overwhelming us, should we sell it?” “I’m in $55,000 of debt, how do I deal with all my creditors?” “I’m 62 with only $150,000 from an inheritance to rely on. How do I avoid becoming a burden on my family?” “I hate my job, should I get a lower paying job that I’ll enjoy?” “I’m in $35,000 of credit card debt and I’m barely able to keep up. Should I get a personal loan to pay them off?” Next Steps: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET 👉Help shape the future of the show. Sign up for a listener interview and tell us what you think. https://ramsey.solutions/i0jmedjc 📩 Email Dave On-Air With Your Questions on Debt and Finance 💵 Start your free budget today. Download the EveryDollar app! ❤️🩹 Get trusted insurance coverage that fits your budget 🏠 Get organized and prepared to buy or sell a home 🦸 For help with investing, get connected with a SmartVestor Pro! Connect With Our Sponsors: Go to Angel Studios to discover entertainment you can feel good about. Get 10% off your first month of BetterHelp Go to Boost Mobile to switch today! If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY. Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice. Get 20% off when you join DeleteMe Go to FAIRWINDS Credit Union for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at Guardian Litigation Group Find top health insurance plans at Health Trust Financial Visit Helix Sleep for special offers! Use code RAMSEY to save 20% at Mama Bear Legal Forms Visit NetSuite today to learn more. Sign up for your $1.00/month trial at Shopify. Get started at World News OR use promo code RAMSEY for a 30-day free trial. Get started with YRefy or call 844-2-RAMSEY Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today! Try ZipRecruiter for free today. Explore more from Ramsey Network: 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💰 George Kamel 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
Make Hard Decisions Now So Future You Can Win
Aug 6, 2026·2:07:32
2:07:32
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Dave Ramsey and Dr. John Delony answer your questions and discuss: “How do I prepare for my autistic daughter's future?” “Should we sell our paid-for house to pay off $100,000 of debt?” “Should I trust a company that's offering to pay off my house for me?” “How do I take my business from ‘surviving’ to ‘thriving’?” “Should we put conditions in our will around an estranged daughter?” Next Steps: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET 📩 Email Dave On-Air With Your Questions on Debt and Finance 💵 Start your free budget today. Download the EveryDollar app! ❤️🩹 Get trusted insurance coverage that fits your budget Connect With Our Sponsors: Go to Angel Studios to discover entertainment you can feel good about. Get 10% off your first month of BetterHelp Go to Boost Mobile to switch today! If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY. Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice. Get 20% off when you join DeleteMe Go to FAIRWINDS Credit Union for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at Guardian Litigation Group Find top health insurance plans at Health Trust Financial Visit Helix Sleep for special offers! Use code RAMSEY to save 20% at Mama Bear Legal Forms Visit NetSuite today to learn more. Try Quo for free, plus get 20% off your first six months. Quo: no missed calls, no missed customers. Sign up for your $1.00/month trial at Shopify. Get started at World News OR use promo code RAMSEY for a 30-day free trial. Get started with YRefy or call 844-2-RAMSEY Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today! Try ZipRecruiter for free today. Explore more from Ramsey Network: 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💰 George Kamel 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
Common Sense Beats Clever Money Hacks
Aug 5, 2026·2:07:17
2:07:17
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Dave Ramsey and George Kamel answer your questions and discuss: “We’re in $187,000 of debt and living paycheck-to-paycheck. How do we get out of this?” “Our non-profit cat café has been losing money since we opened. Should we continue to shoulder these losses?” “How do I prepare financially to pay for a dowry and a big traditional wedding?” “My fiancée’s parents just told her they want her to pay the Parent PLUS loan. Are we obligated to pay it?” “Our house is in a flood zone and we are struggling to sell it.” Next Steps: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET 📩 Email Dave On-Air With Your Questions on Debt and Finance 💵 Start your free budget today. Download the EveryDollar app! ❤️🩹 Get trusted insurance coverage that fits your budget 🎟️ Get your ticket for Investing Essentials today! Connect With Our Sponsors: Go to Angel Studios to discover entertainment you can feel good about. Get 10% off your first month of BetterHelp Go to Boost Mobile to switch today! If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY. Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice. Get 20% off when you join DeleteMe Go to FAIRWINDS Credit Union for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at Guardian Litigation Group Find top health insurance plans at Health Trust Financial Visit Helix Sleep for special offers! Use code RAMSEY to save 20% at Mama Bear Legal Forms Visit NetSuite today to learn more. Try Quo for free, plus get 20% off your first six months. Quo: no missed calls, no missed customers. Sign up for your $1.00/month trial at Shopify. Get started at World News OR use promo code RAMSEY for a 30-day free trial. Get started with YRefy or call 844-2-RAMSEY Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today! Try ZipRecruiter for free today. Explore more from Ramsey Network: 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💰 George Kamel 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
Discipline Is the Difference Between Broke and Wealthy
Aug 4, 2026·2:08:08
2:08:08
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Dave Ramsey and Rachel Cruze answer your questions and discuss: “Can I frontload our retirement and 529 accounts for a few years and then stop contributing?” “Is paying for a more expensive daycare worth it while we are trying to pay off debt?” “I hate the idea of investing in mutual funds because I don't have voting rights. Can I be successful investing in small companies?” “I switched careers and now I am making a third of what I used to, should I switch back to my old career?” “Is it a good idea to sell my house and live in a van?” Next Steps: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET 📩 Email Dave On-Air With Your Questions on Debt and Finance 💵 Start your free budget today. Download the EveryDollar app! ❤️🩹 Get trusted insurance coverage that fits your budget Connect With Our Sponsors: Go to Angel Studios to discover entertainment you can feel good about. Get 10% off your first month of BetterHelp Go to Boost Mobile to switch today! If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY. Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice. Get 20% off when you join DeleteMe Go to FAIRWINDS Credit Union for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at Guardian Litigation Group Find top health insurance plans at Health Trust Financial Visit Helix Sleep for special offers! Use code RAMSEY to save 20% at Mama Bear Legal Forms Visit NetSuite today to learn more. Try Quo for free, plus get 20% off your first six months. Quo: no missed calls, no missed customers. Sign up for your $1.00/month trial at Shopify. Get started at World News OR use promo code RAMSEY for a 30-day free trial. Get started with YRefy or call 844-2-RAMSEY Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today! Try ZipRecruiter for free today. Explore more from Ramsey Network: 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💰 George Kamel 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
Today's Habits Create Tomorrow's Progress
Aug 3, 2026·2:07:14
2:07:14
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Jade Warshaw and George Kamel answer your questions and discuss: “My job contract says I’ll owe three times my tuition if I leave—should I stay or go?” “My mortgage payment is 40% of our income—should we sell our home?” “A solar panel company put a lien on my house—should I pay off the panels before the mortgage?” “I owe the IRS and child support—how do I pay these off so I don’t end up homeless again?” “My mom’s home is in terrible condition but she refuses to move—how do we help her?” Next Steps: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET 📩 Email Dave On-Air With Your Questions on Debt and Finance 💵 Start your free budget today. Download the EveryDollar app! 🏠 Get organized and prepared to buy or sell a home 🎟️ Get your ticket for Investing Essentials today! 💼 Join the Crusade! Apply Now! Connect With Our Sponsors: Go to Angel Studios to discover entertainment you can feel good about. Get 10% off your first month of BetterHelp Go to Boost Mobile to switch today! If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY. Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice. Get 20% off when you join DeleteMe Go to FAIRWINDS Credit Union for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at Guardian Litigation Group Find top health insurance plans at Health Trust Financial Visit Helix Sleep for special offers! Use code RAMSEY to save 20% at Mama Bear Legal Forms Visit NetSuite today to learn more. Try Quo for free, plus get 20% off your first six months. Quo: no missed calls, no missed customers. Sign up for your $1.00/month trial at Shopify. Get started at World News OR use promo code RAMSEY for a 30-day free trial. Get started with YRefy or call 844-2-RAMSEY Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today! Try ZipRecruiter for free today. Explore more from Ramsey Network: 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💰 George Kamel 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
Wealth Doesn't Happen By Accident
Jul 31, 2026·2:07:27
2:07:27
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Jade Warshaw and Rachel Cruze answer your questions and discuss: “My wife loaned out $45,000 of our money behind my back” “My husband hasn't had a job in eight years and I'm struggling to make ends meet. Should I divorce him?” “My parents are asking for us to loan them money so they can buy another home. What should I do?” “Should I use my husband's life insurance payout to pay off the house?” “Should we give up our kids' music lessons to become debt-free?” Next Steps: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET 📩 Email Dave On-Air With Your Questions on Debt and Finance 💵 Start your free budget today. Download the EveryDollar app! 🏠 Get organized and prepared to buy or sell a home 🎟️ Get your ticket for Investing Essentials today! Connect With Our Sponsors: Go to Angel Studios to discover entertainment you can feel good about. Get 10% off your first month of BetterHelp Go to Boost Mobile to switch today! If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY. Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice. Get 20% off when you join DeleteMe Go to FAIRWINDS Credit Union for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at Guardian Litigation Group 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. Try Quo for free, plus get 20% off your first six months. Quo: no missed calls, no missed customers. Sign up for your $1.00/month trial at Shopify. Get started at World News OR use promo code RAMSEY for a 30-day free trial. Get started with YRefy or call 844-2-RAMSEY Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today! Explore more from Ramsey Network: 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💰 George Kamel 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
One Decision Can Change Everything
Jul 30, 2026·2:05:54
2:05:54
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Rachel Cruze and George Kamel answer your questions and discuss: “My fiancé says I’m financially abusing him because I won’t use my inheritance to pay off his credit card debt” “We bought a home with concealed structural problems—should we sue the seller?” “I sued my contractor for defrauding me out of $10,000, and all my financial margin is going to legal fees. What do I do?” “My kids’ medical problems are keeping me from working and it’s straining our finances. What should we do?” “I’m in $15,000 of debt—how do I get out of the debt cycle?” Next Steps: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET 📩 Email Dave On-Air With Your Questions on Debt and Finance 💵 Start your free budget today. Download the EveryDollar app! 🏠 Get organized and prepared to buy or sell a home 🎟️ Get your ticket for Investing Essentials today! 👉 Calculate Your Net Worth Connect With Our Sponsors: Go to Angel Studios to discover entertainment you can feel good about. Get 10% off your first month of BetterHelp Go to Boost Mobile to switch today! If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY. Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice. Get 20% off when you join DeleteMe Go to FAIRWINDS Credit Union for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at Guardian Litigation Group 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. Try Quo for free, plus get 20% off your first six months. Quo: no missed calls, no missed customers. Sign up for your $1.00/month trial at Shopify. Get started at World News OR use promo code RAMSEY for a 30-day free trial. Get started with YRefy or call 844-2-RAMSEY Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today! Explore more from Ramsey Network: 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💰 George Kamel 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
The Numbers Don't Lie
Jul 29, 2026·2:07:21
2:07:21
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. George Kamel and Dr. John Delony answer your questions and discuss: “I won $400,000 in a scratch-off lottery ticket, how should I manage this money?” “I’ve been living in my car for 6 months after a nightmare with home ownership—should I buy a sailboat and live in that?” “We are about to lose half our income, do we need to pause the Ramsey plan?” “I’m going to college with nothing saved and I’m worried that I’ll end up going into debt.” “My parents are telling me not to buy a house right now because of the interest rates. Are they right?” Next Steps: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET 📩 Email Dave On-Air With Your Questions on Debt and Finance 💵 Start your free budget today. Download the EveryDollar app! 🏠 Get organized and prepared to buy or sell a home 🎟️ Get your ticket for Investing Essentials today! 💻 Start George's Free Home Buying Course Connect With Our Sponsors: Go to Angel Studios to discover entertainment you can feel good about. Get 10% off your first month of BetterHelp Go to Boost Mobile to switch today! If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY. Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice. Get 20% off when you join DeleteMe Go to FAIRWINDS Credit Union for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at Guardian Litigation Group 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. Try Quo for free, plus get 20% off your first six months. Quo: no missed calls, no missed customers. Sign up for your $1.00/month trial at Shopify. Get started at World News OR use promo code RAMSEY for a 30-day free trial. Get started with YRefy or call 844-2-RAMSEY Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today! Explore more from Ramsey Network: 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💰 George Kamel 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
Sacrifice To Win
Jul 28, 2026·2:07:12
2:07:12
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Jade Warshaw and Rachel Cruze answer your questions and discuss: “My mother has been irresponsible with her money; will I be responsible for taking care of her?” “I just found out I will be inheriting 100 ounces of gold. What should I do with it?” “I took out a 401(k) loan to pay off my credit card debt, and I'm worried I made a mistake and won't be able to stop using them.” “I keep catching my husband in lies about our finances.” “I'm about to run out of money for lawyers in my divorce; what should I do?” Next Steps: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET 📩 Email Dave On-Air With Your Questions on Debt and Finance 💵 Start your free budget today. Download the EveryDollar app! 🏠 Get organized and prepared to buy or sell a home 💼 Join the Crusade! Apply Now! Connect With Our Sponsors: Go to Angel Studios to discover entertainment you can feel good about. Get 10% off your first month of BetterHelp Go to Boost Mobile to switch today! If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY. Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org. Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice. Get 20% off when you join DeleteMe Go to FAIRWINDS Credit Union for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at Guardian Litigation Group 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. Try Quo for free, plus get 20% off your first six months. Quo: no missed calls, no missed customers. Sign up for your $1.00/month trial at Shopify. Get started at World News OR use promo code RAMSEY for a 30-day free trial. Get started with YRefy or call 844-2-RAMSEY Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today! Explore more from Ramsey Network: 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💰 George Kamel 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
Life Is Complicated. Money Doesn't Have To Be.
Jul 27, 2026·2:07:18
2:07:18
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Jade Warshaw and George Kamel answer your questions and discuss: “We’re house poor, should we sell the house?” “I’m $28,000 upside down on my car, how do I get out of it?” “As a Christian, how do I go about starting a business without idolizing money or success?” “Should I go $3.5 million into debt to become a chicken farmer?” “Should I use the money I inherited to pay off debt or do something my late sister would have wanted me to do?” Next Steps: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET 📩 Email Dave On-Air With Your Questions on Debt and Finance 💵 Start your free budget today. Download the EveryDollar app! 🏠 Get organized and prepared to buy or sell a home 🎟️ Get your ticket for Investing Essentials today! 🚢 Set Sail with Dave Ramsey! Book your cabin today! Connect With Our Sponsors: Go to Angel Studios to discover entertainment you can feel good about Get 10% off your first month of BetterHelp Go to Boost Mobile to switch today If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY Get started today with Churchill Mortgage Get 20% off when you join DeleteMe Go to FAIRWINDS Credit Union for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at Guardian Litigation Group 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 Try Quo for free, plus get 20% off your first six months. Quo: no missed calls, no missed customers Sign up for your $1.00/month trial at Shopify Get started at World News OR use promo code RAMSEY for a 30-day free trial Get started with YRefy or call 844-2-RAMSEY Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today Explore more from Ramsey Network: 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💰 George Kamel 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
Take The First Step Toward the Life You Want
Jul 24, 2026·2:07:19
2:07:19
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Rachel Cruze and Dr. John Delony answer your questions and discuss: “My girlfriend and I have different views on money. How do we talk through this and come to an agreement?” “I just lost $1,300 of child support a month and now I am behind on my bills. What should I do?” “I interviewed with a company and they said they wanted to hire me, but I haven’t heard from them in 45 days. What should I do?” “My father cosigned a student loan for my nephew. Who is responsible for the loan after my father passes away?” “Our mortgage is 50% of our income. Can we keep the house?” Next Steps: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET 📩 Email Dave On-Air With Your Questions on Debt and Finance 💵 Start your free budget today. Download the EveryDollar app! 🏠 Get organized and prepared to buy or sell a home 🚢 Set Sail with Dave Ramsey! Book your cabin today. ❤️ Join Dr. John Delony at Money & Marriage Getaway. Connect With Our Sponsors: Go to Angel Studios to discover entertainment you can feel good about. Get 10% off your first month of BetterHelp Go to Boost Mobile to switch today! If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY. Get started today with Churchill Mortgage Get 20% off when you join DeleteMe Go to FAIRWINDS Credit Union for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at Guardian Litigation Group 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. Try Quo for free, plus get 20% off your first six months. Quo: no missed calls, no missed customers. Sign up for your $1.00/month trial at Shopify. Get started at World News OR use promo code RAMSEY for a 30-day free trial. Get started with YRefy or call 844-2-RAMSEY Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today! Explore more from Ramsey Network: 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💰 George Kamel 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
Financial Wisdom Matters More Than Financial Timing
Jul 23, 2026·2:08:03
2:08:03
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. George Kamel and Dr. John Delony answer your questions and discuss: “Should we sell our paid-off vehicles to pay down our $193,000 of debt?” “My husband doesn’t want to work—should I divorce him?” “I’m upside down on a truck that’s not selling; how do I get out of it?” “Should we let my mom move in with us even if it means enabling her bad financial decisions?” “How do we protect our retirement despite my husband’s dementia diagnosis?” Next Steps: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET 📩 Email Dave On-Air With Your Questions on Debt and Finance 💵 Start your free budget today. Download the EveryDollar app! 🏠 Get organized and prepared to buy or sell a home 🎟️ Get your ticket for Investing Essentials today! 🦸 For help with investing, get connected with a SmartVestor Pro Connect With Our Sponsors: Go to Angel Studios to discover entertainment you can feel good about. Get 10% off your first month of BetterHelp Go to Boost Mobile to switch today! If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY. Get started today with Churchill Mortgage Get 20% off when you join DeleteMe Go to FAIRWINDS Credit Union for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at Guardian Litigation Group 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. Try Quo for free, plus get 20% off your first six months. Quo: no missed calls, no missed customers. Sign up for your $1.00/month trial at Shopify. Get started at World News OR use promo code RAMSEY for a 30-day free trial. Get started with YRefy or call 844-2-RAMSEY Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today! Explore more from Ramsey Network: 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💰 George Kamel 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
It's Never Too Late To Build Wealth
Jul 22, 2026·2:07:13
2:07:13
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Jade Warshaw and Geroge Kamel answer your questions and discuss: “Should I just give up on paying off $200,000 of debt and let my credit get destroyed?” “We have $186,000 of debt and disagree on whether we need to sell our home to clean this mess up.” “My husband and I lost our jobs at the same time—should we focus on building a business or find other jobs?” “Should I refinance my home to a lower payment to get more margin in my budget?” “Is it a good idea to share some of our retirement savings with our kids before they inherit it?” Next Steps: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET 📩 Email Dave On-Air With Your Questions on Debt and Finance 💵 Start your free budget today. Download the EveryDollar app! 🏠 Get organized and prepared to buy or sell a home 🎙️ George Asks World Cup Fans How Much They Spent Connect With Our Sponsors: Go to Angel Studios to discover entertainment you can feel good about. Get 10% off your first month of BetterHelp Go to Boost Mobile to switch today! If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY. Get started today with Churchill Mortgage Get 20% off when you join DeleteMe Go to FAIRWINDS Credit Union for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at Guardian Litigation Group 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. Try Quo for free, plus get 20% off your first six months. Quo: no missed calls, no missed customers. Sign up for your $1.00/month trial at Shopify. Get started at World News OR use promo code RAMSEY for a 30-day free trial. Get started with YRefy or call 844-2-RAMSEY Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today! Explore more from Ramsey Network: 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💰 George Kamel 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
Stop Letting Excuses Keep You Broke
Jul 21, 2026·2:07:09
2:07:09
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Jade Warshaw Dr. John Delony answer your questions and discuss: “Should we use a credit card to pay for a $100,000 septic tank repair when we’re already deep in debt?” “My boyfriend wants us to pay off his debt once we’re married and put his name on my house. Is this a bad idea?” “Is it a good idea to take out $80,000 in student loans so my wife can triple her income?” “We are making good money but we hate our jobs. How long do we have to keep this up?” “The only school in my area offering the course I want will cost $136,000. I want to do it but my husband thinks it’s a bad idea.” Next Steps: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET 📩 Email Dave On-Air With Your Questions on Debt and Finance 💵 Start your free budget today. Download the EveryDollar app! 🏠 Get organized and prepared to buy or sell a home 🎟️ Get your ticket for Investing Essentials today! ❤️🩹 Get trusted insurance coverage that fits your budget 🦸 For help with investing, get connected with a SmartVestor Pro Connect With Our Sponsors: Go to Angel Studios to discover entertainment you can feel good about. Get 10% off your first month of BetterHelp Go to Boost Mobile to switch today! If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY. Get started today with Churchill Mortgage Get 20% off when you join DeleteMe Go to FAIRWINDS Credit Union for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at Guardian Litigation Group 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. Try Quo for free, plus get 20% off your first six months. Quo: no missed calls, no missed customers. Sign up for your $1.00/month trial at Shopify. Get started at World News OR use promo code RAMSEY for a 30-day free trial. Get started with YRefy or call 844-2-RAMSEY Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today! Explore more from Ramsey Network: 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💰 George Kamel 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
The Decisions You Make Now Shape Your Success
Jul 20, 2026·2:06:33
2:06:33
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. George Kamel and Jade Warshaw answer your questions and discuss: “Should we pay off $40,000 in credit card debt or go into stork-mode?” “How do I weigh passion versus earning potential when choosing a career?” “Should I drain my emergency fund to buy a house?” “Should I buy a business for $200,000?” “How do we get our daughter to pay us back for her student loans?” Next Steps: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET 📩 Email Dave On-Air With Your Questions on Debt and Finance 💵 Start your free budget today. Download the EveryDollar app! 🎟️ Get your ticket for Investing Essentials today! 🚢 Set Sail with Dave Ramsey! Book your cabin today. 💸44 Side Hustles to Increase Your Income. Connect With Our Sponsors: Go to Angel Studios to discover entertainment you can feel good about. Get 10% off your first month of BetterHelp Go to Boost Mobile to switch today! If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY. Get started today with Churchill Mortgage Get 20% off when you join DeleteMe Go to FAIRWINDS Credit Union for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at Guardian Litigation Group 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. Try Quo for free, plus get 20% off your first six months. Quo: no missed calls, no missed customers. Sign up for your $1.00/month trial at Shopify. Get started at World News OR use promo code RAMSEY for a 30-day free trial. Get started with YRefy or call 844-2-RAMSEY Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today! Explore more from Ramsey Network: 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💰 George Kamel 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
When You Don't Have Payments, You Have More Options
Jul 17, 2026·2:07:29
2:07:29
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Dave Ramsey and Rachel Cruze answer your questions and discuss: “I’m $108,000 in debt, living in my car, and my wages are being garnished. How do I get through this?” “Should I leave my husband after he’s been unemployed for ten years?” “I want to transition to a career where I’ll be making a quarter of what I make now. How do I prepare for this?” “My company is closing in a month. What should I do with the company retirement accounts?” “Should I invest the money I’m getting in the divorce into retirement?” Next Steps: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET 📩 Email Dave On-Air With Your Questions on Debt and Finance 💵 Start your free budget today. Download the EveryDollar app! ❤️🩹 Get trusted insurance coverage that fits your budget Connect With Our Sponsors: Go to Angel Studios to discover entertainment you can feel good about. Get 10% off your first month of BetterHelp Go to Boost Mobile to switch today! If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY. Get started today with Churchill Mortgage Get 20% off when you join DeleteMe Go to FAIRWINDS Credit Union for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at Guardian Litigation Group 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. Try Quo for free, plus get 20% off your first six months. Quo: no missed calls, no missed customers. Sign up for your $1.00/month trial at Shopify. Get started at World News OR use promo code RAMSEY for a 30-day free trial. Get started with YRefy or call 844-2-RAMSEY Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today! Explore more from Ramsey Network: 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💰 George Kamel 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
Ordinary Habits Will Build Extraordinary Wealth
Jul 16, 2026·2:07:07
2:07:07
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Dave Ramsey and Jade Warshaw answer your questions and discuss: “We are going into the red every month with our bills, how do we get our income up?” “My contractor ripped me off and I lost $30,000, what should I do?” “My job wants me to buy shares in the company for $80,000, can I use my emergency fund to buy them?” “We went into a business partnership with my brother-in-law and it's not working out, how do we get out of this?” “We have $610,000 of debt, should we pay this off in 2 years or take a slower approach?” Next Steps: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET 📩 Email Dave On-Air With Your Questions on Debt and Finance 💵 Start your free budget today. Download the EveryDollar app! 🏠 Get organized and prepared to buy or sell a home 🚢 Set Sail with Dave Ramsey! Book your cabin today. Connect With Our Sponsors: Go to Angel Studios to discover entertainment you can feel good about. Get 10% off your first month of BetterHelp Go to Boost Mobile to switch today! If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY. Get started today with Churchill Mortgage Get 20% off when you join DeleteMe Go to FAIRWINDS Credit Union for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at Guardian Litigation Group 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. Try Quo for free, plus get 20% off your first six months. Quo: no missed calls, no missed customers. Sign up for your $1.00/month trial at Shopify. Get started at World News OR use promo code RAMSEY for a 30-day free trial. Get started with YRefy or call 844-2-RAMSEY Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today! Explore more from Ramsey Network: 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💰 George Kamel 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
Wealth Is Built On Facts, Not Feelings
Jul 15, 2026·2:07:08
2:07:08
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Dave Ramsey and Jade Warshaw answer your questions and discuss: “My friend wants to give me a property for free, how do I handle this?” “My sons unexpectedly inherited $400,000, what should we do?” “I took out a loan against my stocks, now I can barely keep up with the interest charges. What should I do?” “I’m a millionaire but I still don’t know if I will be able to maintain my lifestyle in retirement.” “My parents have to make a balloon payment on their mortgage in 10 years, how do I help them prepare?” Next Steps: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET 📩 Email Dave On-Air With Your Questions on Debt and Finance 💵 Start your free budget today. Download the EveryDollar app! 🏠 Get organized and prepared to buy or sell a home 🎟️ Get your ticket for Investing Essentials today! ❤️🩹 Get trusted insurance coverage that fits your budget Connect With Our Sponsors: Go to Angel Studios to discover entertainment you can feel good about. Get 10% off your first month of BetterHelp Go to Boost Mobile to switch today! If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off New members can receive a 50% credit toward their first month of membership. Go to Christian Healthcare Ministries and use promo code RAMSEY. Get started today with Churchill Mortgage Get 20% off when you join DeleteMe Go to FAIRWINDS Credit Union for an exclusive account bundle! Debt collectors hassling you? Take back control of your life at Guardian Litigation Group 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. Try Quo for free, plus get 20% off your first six months. Quo: no missed calls, no missed customers. Sign up for your $1.00/month trial at Shopify. Get started at World News OR use promo code RAMSEY for a 30-day free trial. Get started with YRefy or call 844-2-RAMSEY Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today! Explore more from Ramsey Network: 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💰 George Kamel 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
A Bigger Paycheck Won't Fix Bad Money Habits
Jul 14, 2026·2:07:09
2:07:09
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. Dave Ramsey and Rachel Cruze answer your questions and discuss: “Should I use my investments to pay off my debt?” “How can I get my husband to stop blowing money on day trading?” “My fiancé wants a prenup but I don't think we need one, what should I do?” “How can I pay for brain surgery while broke?” “How do I get out of $70,000 of debt?” Next Steps: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET 📩 Email Dave On-Air With Your Questions on Debt and Finance 💵 Start your free budget today. Download the EveryDollar app! 🏠 Get organized and prepared to buy or sell a home 🚢 Set Sail with Dave Ramsey! Book your cabin today. Connect With Our Sponsors: Go to Angel Studios to discover entertainment you can feel good about. Get 10% off your first month of BetterHelp Go to Boost Mobile to switch today! If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off 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! Debt collectors hassling you? Take back control of your life at Guardian Litigation Group 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. Try Quo for free, plus get 20% off your first six months. Quo: no missed calls, no missed customers. Sign up for your $1.00/month trial at Shopify. Get started at World News OR use promo code RAMSEY for a 30-day free trial. Get started with YRefy or call 844-2-RAMSEY Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today! Explore more from Ramsey Network: 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💰 George Kamel 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
You Can't Borrow Your Way To A Better Life
Jul 13, 2026·2:07:10
2:07:10
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ❓ Have a money question? Ask Ramsey is here to help. George Kamel answers your questions and discuss: “My mom wants to take my brother off the will and give me everything—should I split it with him after she passes?” “Should we sell the farm so we can live debt-free?” “Can I borrow money to buy my own cows?” “How can we get ahead financially without getting fatigued?” “Can I periodically splurge a little bit while paying off debt?” Next Steps: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET 📩 Email Dave On-Air With Your Questions on Debt and Finance 💵 Start your free budget today. Download the EveryDollar app! 🏠 Get organized and prepared to buy or sell a home 🎟️ Get your ticket for Investing Essentials today! 📱 Use our Net Worth Calculator! 📈 See How Much Your Investments Are Making You! Connect With Our Sponsors: Go to Angel Studios to discover entertainment you can feel good about. Get 10% off your first month of BetterHelp Go to Boost Mobile to switch today! If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off 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! Debt collectors hassling you? Take back control of your life at Guardian Litigation Group 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. Try Quo for free, plus get 20% off your first six months. Quo: no missed calls, no missed customers. Sign up for your $1.00/month trial at Shopify. Get started at World News OR use promo code RAMSEY for a 30-day free trial. Get started with YRefy or call 844-2-RAMSEY Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today! Explore more from Ramsey Network: 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 🍸 Smart Money Happy Hour 💰 George Kamel 📈 EntreLeadership Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices
