No One Makes Good Decisions out of Fear or Desperation
from The Ramsey Show
by Ramsey Network
Published: Thu Dec 18 2025
Show Notes
🤔 Think you’re good with money? Take our Money in America quiz!
Dave Ramsey and Dr. John Delony answer your questions and discuss:
- “How can I protect myself from my husband’s gambling problem?”
- “I signed up for a student loan assistance program but I feel like I am being extorted rather than helped”
- “I am closing on a house I can’t afford and I’m pregnant. What should I do to get through this season?”
- “Should we sell a car we were gifted?”
- “Should I get a 529 plan for my children?”
- “My elderly mother has developed a gambling addiction, I feel guilty for not wanting to fund her addiction”
- “We are about to lose 80% of our income. Should we pay down our debt or save?”
- “Should I pull money from retirement to pay off my car?”
- “Is it too late for me to prepare for retirement?”
- “Should I let my son enjoy the fruits of his hard work?”
- “Should we pay off our house after we sell our rental?”
- “I received a personal injury settlement of $420,000. How should I manage this large lump sum?”
- “Am I risking my almost $1M net worth by carrying $1.4M in debt?”
Next Steps:
✔️ Help us make the show better. Please take this short survey.
📞 Have a question for the show? Call 888-825-5225weekdays from 2–5 p.m. ET or send us an email
💵 Start your free budget today by downloading the EveryDollar app
🏠 Find a Ramsey Trusted Real Estate Agent
💻 Find out where you stand with your money and get a free plan
📘 Preorder What No One Tells You About Money today now and get $100+ in bonus items
🏛️ Support the Timeshare Pricing Transparency Act
Connect With Our Sponsors:
- Stop paying more and start shopping smarter at ALDI.
- Amazon is making it easier than ever to find top gifts at amazing prices this season in the Holiday Shop.
- Get 10% off your first month of BetterHelp.
- Go to Boost Mobile to switch today!
- Go to Casper Sleep and use promo code RAMSEY to learn more.
- 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.
- For more information, go to SimpliSafe.
- Get started with YRefy or call 844-2-RAMSEY.
- Visit Zander Insurance for your free instant quote today!
Explore more from Ramsey Network:
💸 The Ramsey Show Highlights
🧠 The Dr. John Delony Show
🍸 Smart Money Happy Hour
💡 The Rachel Cruze Show
💰 George Kamel
🪑 FrontRow Seat with Ken Coleman
📈 EntreLeadership
Ramsey Solutions Privacy Policy
Learn more about your ad choices. Visit megaphone.fm/adchoices