Take control of your life and money once and for all. The Ramsey Show offers up straight talk from Dave Ramsey and his team of co-hosts. Millions listen in as callers from all walks of life learn how to get out of debt and start building for the future. Check out one of Apple’s most popular podcasts! For more information, visit www.ramseysolutions.com

The Ramsey Show

Dave Ramsey & Rachel Cruze discuss:

Paying off an expensive car loan,

Getting gold as a wedding gift,

Can I give my kids a W-2 for doing chores.


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Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Don’t Try To Game the System! (Hour 1)

Dave Ramsey & Rachel Cruze discuss:

Doing Baby Steps 4, 5 & 6 all at once,

Paying off rental property,

Preparing to live off one income,

Selling a business.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

You’re Out of Debt, Now What? (Hour 2)

Dave Ramsey & Rachel Cruze discuss:

Do we need a consultant for our business,

Being proactive with money,

Family that always asks for money.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

You Can’t Help People by Enabling Them (Hour 3)

Dave Ramsey & George Kamel discuss:

How to handle a large settlement,

Moving 401k investments,

What is bear market and how long will we be in one,

Preparing for twins,

The risk of employee stock options.


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Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

What Is a Bear Market and How Long Will We Be in One? (Hour 1)

Dave Ramsey & George Kamel discuss:

Are land leases a good idea,

Paying off a parent plus loan with a 401K,

What to do after Baby Step 7,

Is a career change a good idea.


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Christian Healthcare Ministries

Zander Insurance


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Why Parent Plus Loans Are a Bad Idea (Hour 2)

Dave Ramsey & George Kamel discuss:

Life after the death of a spouse,

Using credit cards to invest,

How to get gazelle intense,

Switching our business focus.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Getting Gazelle Intense With Your Spouse (Hour 3)

Dave Ramsey & John Delony discuss:

Is a house re-fi the right option,

What kinds of insurance you need,

When spouses don't agree on paying for the kid's college.


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Churchill Mortgage

Christian Healthcare Ministries


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

It’s Never Too Early To Make a Plan for Your Money (Hour 1)

Dave Ramsey & John Delony discuss:

Pulling money out of the stock market to buy a house

Feeling like you are failing your family,

What to do with your time after retirement,


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

I Don’t Feel Like I Am Taking Care of My Family (Hour 2)

Dave Ramsey & John Delony discuss:

What happens when you ignore medical debt,

The aftermath of identity theft,

Family that keeps asking for money


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Ignoring Your Money Problems Won’t Make Them Go Away (Hour 3)

Dave Ramsey & Ken Coleman discuss:

Buying cars when you don't have the cash,

Finding a new career path,

Leaving a creative job for a trade,

Owing almost $100K in car loans.


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DreamCloud


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

We Owe Almost $100,000 in Car Loans! (Hour 1)

Dave Ramsey & Ken Coleman discuss:

Getting my live-in girlfriend to pay off debt,

Using donor advised funds for giving,

Buying a rental property,

Helping a friend get out of debt.


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Splash Financial


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

How Do You Help a Friend That Makes Bad Financial Decisions? (Hour 2)

Dave Ramsey & Ken Coleman discuss:

Borrowing money to buy family land.

Handling a trust fund,

Buying farm equipment for the tax benefit,

What to do with a divorce settlement.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

My Mom Won’t Give Me My Money! (Hour 3)

Dave Ramsey & Ken Coleman discuss:

Should you take advantage of your employer's tuition reimbursement,

Whether or not to do a company 401(k) if it doesn't have a match,

Why you shouldn't get a HELOC to buy a rental.


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Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Do NOT Get a HELOC To Buy a Rental! (Hour 1)

Dave Ramsey & Ken Coleman discuss:

What to do if your 401(k) contributions were sent back to you,

Selling your home,

Investing in gold,

Paying off the house or investing instead,

Leaving a job to start your own business.


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Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Pay Off the House or Invest the Money? (Hour 2)

Dave Ramsey & Ken Coleman discuss:

Negotiating a raise,

Buying a company,

Should you buy homes for your adult kids.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

How Do I Negotiate a Raise With My Employer? (Hour 3)

George Kamel & Ken Coleman discuss:

Dealing with a work travel nightmare,

When's the best time to sell your house,

Athletes who lost money getting paid in bitcoin,

How to handle friends who pressure you to get a credit card,

Managing money after baby step 7.


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Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

My Friends Are Pressuring Me To Get a Credit Card (Hour 1)

George Kamel & Ken Coleman discuss:

Dealing with news of a job loss,

Buying a car after a lease,

Whether or not to sell a house,

The best way to pay off student loans.


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

What’s the Best Way To Pay Off Student Loans? (Hour 2)

George Kamel & Ken Coleman discuss:

Trying to find the right career,

When to take a promotion,

What to do when you feel like you're not making progress,

Should you sell a house and move in with a parent?


Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

How Do I Know if I’m in the Right Career? (Hour 3)

Dave Ramsey & Kristina Ellis discuss:

Selling your home vs. renting it out,

Why being satisfied with the size of your home is more about your attitude than square footage,

Diversifying your investments,

Repairing a car vs. buying a new one,

Should I wait for student loan forgiveness?

How to best manage an inheritance.


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Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Your Attitude Is More Important Than Square Footage (Hour 1)

Dave Ramsey & Kristina Ellis discuss:

Moving from intensity to intentionality,

Preparing for a disability later in life,

How to financially prepare for college for a child with a disability,

The financial implications of shacking up.


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Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

When Can I Take a Vacation? (Hour 2)

Dave Ramsey & Kristina Ellis hear from callers with a net worth of a million dollars or more in this Baby Steps Millionaires Theme Hour.

Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

It’s a Baby Steps Millionaires Theme Hour! (Hour 3)

Dave Ramsey & George Kamel discuss:
  What to do when you have no idea where your money is going,
 Should you start a GoFundMe to pay off debt when you get married?
 Choosing between career options.
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Should We Start a GoFundMe To Pay Off Our Debt? (Hour 1)

Dave Ramsey & George Kamel discuss:
  Does it make sense to save for a house if you have employer-provided housing?
 How to avoid parenting a spouse over money,
 Why rent-to-own is a terrible idea,
 How to get back on track with budgeting,
 Preparing for an untaxed bonus.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

I Feel Like I’m Parenting My Wife Over Money (Hour 2)

Dave Ramsey & George Kamel discuss:
  Should you sell your house to pay off debt,
 How to know if you should fire your financial advisor,
 Is it possible to be too gazelle intense?
 Should I take out a loan to pay off my other loans?
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Am I Being Too Gazelle Intense? (Hour 3)

Dave Ramsey & Ken Coleman discuss:
  When it makes sense to create a charity foundation,
 Selling a car vs. paying it off,
 The fastest way to knock out student loan debt,
 Using savings to pay off the house.
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 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Should I Sell the Car or Pay It Off? (Hour 1)

Dave Ramsey & Ken Coleman discuss:
  How to handle money in college,
 Counseling a brother-in-law who wants to borrow money to build a Dungeons & Dragons man-cave.
 What to do when your rent goes up.
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HELOC for a Dungeons & Dragons Man-Cave? (Hour 2)

Dave Ramsey & Ken Coleman discuss:
  When it makes sense to sell a rental to pay off another one,
 Is it too late to change jobs?
 Should you sell the truck for a fuel-efficient vehicle?
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

More Money Isn’t Worth a Toxic Work Environment (Hour 3)

George Kamel & Kristina Ellis discuss:
  Rising rent prices, 
 The freedom of being debt free, 
 Should teens be investing,
 The real price of credit card rewards.
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 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

The Real Price of Credit Card Rewards (Hour 1)

George Kamel & Kristina Ellis discuss:
  Why you should stop investing in Baby Step 2,
 The power of compound interest,
 Paying off student loans that are in deferment,
 How a 16-year-old can set themselves up for success.
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 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Hard Work Now Makes for an Easier Life Later (Hour 2)

Kristina Ellis & George Kamel discuss:
  The truth about credit scores,
 Is bankruptcy the only option,
 Selling a rental to pay off a primary mortgage,
 How to buy a used car in this market,
 Student loan myths.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

You Are the Problem AND the Solution (Hour 3)

Dave Ramsey & George Kamel discuss:
  The Feds raising interest rates,
 Borrowing against the house to make repairs,
 The difference between a will and a trust,
 Getting rid of an underwater car.
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 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

The “Great” News About the Fed Raising Rates (Hour 1)

Dave Ramsey & George Kamel discuss:
  Teaching kids about cryptocurrency,
 Choosing a retirement plan,
 Paying off a car with savings,
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Dave Ramsey Agrees With a Crypto CEO (Hour 2)

Dave Ramsey & George Kamel discuss:
  Waiting on the government to forgive your student loans,
 Investing in a TSP,
 The value of a dollar with Former Ambassador Nikki Haley,
 Should an inheritance be split fairly among siblings.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

My In-Laws Are Pressuring Us To Share an Inheritance (Hour 3)

Dave Ramsey & Ken Coleman discuss:
  If moving up in house is a need or a want,
 The fear of changing jobs,
 Rebuilding the emergency fund,
 Feeling secure in your investments.
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 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Don’t Let the Economic Bear Scare You (Hour 1)

Dave Ramsey & Ken Coleman discuss:
  Buying a house with no credit,
 Following the baby steps in order,
 The fear of facing bankruptcy,
 The difference between tithes and offerings
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  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

The Fear of Facing Bankruptcy (Hour2)

Dave Ramsey & Ken Coleman discuss:
  Getting a career back on track after trauma,
 Selling a house to pay off debt,
 Where to park an emergency fund, 
 How to be a good steward of an inheritance.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Getting  a Career Back on Track After Trauma (Hour 3)

Dave Ramsey & George Kamel discuss:
  Buying property when saving up to build a house,
 How to handle a settlement from a car accident,
 What to do with a bad insurance policy,
 How intense to be in baby step 3.
  Support Our Sponsor:
  Christian Healthcare Ministries: https://bit.ly/3xM3FbS 
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  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

“Get Pissed Off for Greatness!” (Hour 1)

Dave Ramsey & George Kamel discuss:
  Getting your kids to go to school debt free,
 What to do when your boyfriend won't propose,
 Selling a rental house,
 The fastest way to pay off a house.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Don’t Borrow Money So Your Kid Can Play Beer Pong (Hour 2)

Dave Ramsey & George Kamel discuss:
  What exactly is a "bear market"?
 How to help parents with money,
 Growing a small business,
 Should a married couple invest 15% of each of their paychecks, or just one of them?
 What to do when your house won't sell.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

The Bear Market Has Arrived (Hour 3)

Dave Ramsey & Kristina Ellis discuss:
  Moving from self-employment to working for a company,
 The value of working during college,
 Why you should avoid single stocks and diversify,
 What to do after selling a rental house.
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 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Never Violate the Rule of Diversification (Hour 1)

Dave Ramsey & Kristina Ellis discuss:
  The importance of teaching financial literacy to kids, with The Minimalists,
 Helping a father who doesn't have life insurance,
 Paying off debt vs. investing.
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 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Buying More Stuff Won’t Make You Happy, with the Minimalists (Hour 2)

Dave Ramsey & Kristina Ellis discuss:
  Tackling $500k of student loans,
 Doing the hard work now to make it easier later (instead of taking the easy way out now and dealing with hard things later),
 Saving for an engagement ring while paying off debt.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

We Have $500k in Student Loan Debt (Hour 3)

George Kamel & Rachel Cruze discuss:
  How to talk to your spouse about money,
 Paying off your mortgage as quickly as possible,
 LeBron James' billionaire status (and frugality),
 Dumb & Dumber and various 90s movies.
  Support Our Sponsor:
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  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

How Do I Talk to My Spouse About Money? (Hour 1)

George Kamel & Rachel Cruze discuss:
  When is gazelle intensity too much?
 Why buying a friend's owner-financed home is a bad idea,
 What to do when your car gets stolen.
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 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Our Son’s Car Got Stolen (Hour 2)

George Kamel & Rachel Cruze discuss:
  Whether or not to pay cash for a house or take out a mortgage,
 Waiting for insurance for car repairs or paying out of pocket,
 Getting out of debt while going through school,
 Should I propose now or wait until after college?
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Should I Wait Until After College To Propose? (Hour 3)

Dave Ramsey & George Kamel discuss:
  When it makes sense to get into real estate investing,
 Increasing retirement income,
 When it makes sense for a spouse to stay at home,
 Helping family with money.
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 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Can We Afford for My Wife To Stay at Home? (Hour 1)

Dave Ramsey & George Kamel discuss:
  Helping others manage money,
 The best way to sell your house,
 The best way to save money when you're rent-free,
 How to use an inheritance,
 What to do with a spouse who doesn't believe in saving for retirement.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

I Can’t Make Your Husband Grow a Brain (Hour 2)

Dave Ramsey & George Kamel discuss:
  Renting vs. buying when moving to a new town,
 Bitcoin scams on the rise,
 Letting your student loans go to collections,
 How much to save for a downpayment,
 The best way to invest.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Don’t Participate in the Toxic Money Culture! (Hour 3)

Dave Ramsey & Rachel Cruze discuss:
  When it makes sense to join a country club (and why people need to mind their own business),
 How to set healthy boundaries with your parents,
 Am I overreacting to my husband's purchase?
  Support Our Sponsor:
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  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Your Parents Don’t Get a Vote… Set Some Boundaries! (Hour 1)

Dave Ramsey & Rachel Cruze discuss:
  Should my wife and I split the mortgage and have separate checking accounts?
 Should I use our emergency fund to buy a car?
 How to help a spouse through a career change.
  Support Our Sponsor:
  DreamCloud: https://www.dreamcloudsleep.com/delony

  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Forget What the Culture Says, You Should Combine Bank Accounts (Hour 2)

Dave Ramsey & Rachel Cruze discuss:
  Paying off the house or investing the money,
 Minimizing capital gains tax,
 How to tackle debt after you get married,
 Balancing a safe living situation with paying off debt.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

What’s Going On With the Real Estate Market Right Now? (Hour 3)

Dave Ramsey & Ken Coleman discuss:
  The possibility of self-insuring for long-term care insurance,
 The best way to find scholarships for college,
 Finding a side hustle with a criminal background,
 Balancing a side hustle with family time.
  Support Our Sponsor:
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  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

When Can I Afford To Self Insure? (Hour 1)

Dave Ramsey & Ken Coleman discuss:
  How to get my wife on board with the Ramsey plan,
 Tackling debt as a single mom,
 Preparing for a loved one's passing,
 Dealing with a dramatic drop in income.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Can I Get Out of Debt as a Single Mom? (Hour 2)

Dave Ramsey & Ken Coleman discuss:
  What to do after you sell your house,
 Getting into real estate development as a career,
 Investing an inheritance or saving for a house.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Should I Get Into Real Estate Development? (Hour 3)

Dave Ramsey & Dr. John Delony discuss:
  What's the best next step to take with your money,
 Using a personal credit card for corporate business expenses,
 Paying off your mortgage vs. investing,
 Getting a reluctant spouse on board with the plan.
  Support Our Sponsor:
  DreamCloud: https://www.dreamcloudsleep.com/delony 
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  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

How Do I Get a Reluctant Spouse on Board? (Hour 1)

Dave Ramsey & Dr. John Delony discuss:
  
Strong Fathers, Strong Daughters with Dr. Meg Meeker,
 Why sports betting isn't cute, it's a dangerous addiction,
 Deciding to sell a business.
  Support Our Sponsor:
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  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Your Sports Betting Addiction Is Not Cute (Hour 2)

Dave Ramsey & Dr. John Delony discuss:
  Preparing for an upcoming settlement check,
 When changing jobs won't really help your situation.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

How Do I Prepare for an Upcoming Settlement? (Hour 3)

George Kamel & Dr. John Delony discuss:
  Why you need to pay off your student loans,
 Paying off the house vs. investing that extra money,
 Untangling a messy housing situation,
 How to know when you're ready to retire.
  Support Our Sponsor:
  Zander Insurance: https://bit.ly/2Xbn7hD 
 DreamCloud: https://www.dreamcloudsleep.com/delony 
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

To Change Your Future You Have To Let Go of Your Past (Hour 1)

George Kamel & Dr. John Delony discuss:
  Setting financial boundaries with family,
 Dealing with a spouse who refuses to work,
 Where to start with paying off your debt.
  Support Our Sponsor:
  NetSuite: https://bit.ly/2WBLh5c

  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

How To Set Financial Boundaries With Family (Hour 2)

George Kamel & Dr. John Delony discuss:
  How to increase your income,
 How banks are indoctrinating kids with debt,
 How to motivate a lazy husband,
 Should you take out a mortgage for more than 25% of your take-home pay?
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

How Can We Increase Our Income? (Hour 3)

Dave Ramsey & Rachel Cruze discuss:
  Why you shouldn't buy an expensive new car for a tax write-off,
 Being a good steward of a large financial gift,
 How to win financially after beating a gambling addiction,
 When it makes sense to sell a rental property.
  Support Our Sponsor:
  Splash Financial: https://bit.ly/2XAdOIf 
 Churchill Mortgage: https://bit.ly/2JcfkGy 
 Zander Insurance: https://bit.ly/2Xbn7hD 
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Fire Your Accountant… He’s an Idiot (Hour 1)

Dave Ramsey & Rachel Cruze discuss:
  Should you buy a house in cash?
 How this housing market is not the same as 2008's,
 Should you sell a house to get out of debt post-bankruptcy?
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Why the Housing Market Is Different Than 2008 (Hour 2)

Dave Ramsey & Rachel Cruze discuss:
  The best way to invest,
 How to move on after losing a spouse,
 Paying off debt vs. cash flowing college.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

How Should We Be Investing Right Now? (Hour 3)

Dave Ramsey & George Kamel discuss:
  The difference between a living will and a trust,
 What types of insurance you need (and don't need),
 Preparing to move out on your own.
  Support Our Sponsor:
  NetSuite: https://bit.ly/2WBLh5c 
 Zander Insurance: https://bit.ly/2Xbn7hD 
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Anybody Can Pay Off Debt and Change Their Future! (Hour 1)

Dave Ramsey & George Kamel discuss:
  How to get on the same page as your significant other,
 The best way to get into real estate investing,
 Whether or not you can afford a Mustang,
 Making the mental shift to saving for a house.
  Support Our Sponsor:
  Splash Financial: https://bit.ly/2XAdOIf 
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Should I Start Flipping Houses? (Hour 2)

Dave Ramsey & George Kamel discuss:
  Klarna's decline and the predatory BNPL industry,
 Is it okay to put less than 20% down on a house?
 What to do with extra money from a 529,
 Pausing the baby steps before a baby comes,
 Cashing out stocks to pay off a house.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

I Feel Like We’ll Never Be Able To Afford a House (Hour 3)

Dave Ramsey & Kristina Ellis discuss:
  Buying a house when you're a penny pincher,
 Being intentional (vs. intense) in baby steps 4-6,
 Why you shouldn't help your fiancée with their debts until you're married.
  Support Our Sponsor:
  Zander Insurance: https://bit.ly/2Xbn7hD 
 DreamCloud: https://www.dreamcloudsleep.com/delony 
 Christian Healthcare Ministries: https://bit.ly/2XBZfE3 
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Moving From Intensity to Intentionality (Hour 1)

Dave Ramsey & Kristina Ellis discuss:
  Budgeting after you move out of your parents' house,
 Paying for college when your plans change,
 Knowing when to accept a new job offer.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Should I Accept a New Job Offer? (Hour 2)

Dave Ramsey & Kristina Ellis discuss:
  The best investment strategies,
 How to get started after graduation,
 Selling your house to get out of debt.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Dude, You Are $430K Worth of Screwed! (Hour 3)

Dave Ramsey and Dr. John Delony discuss:
  How to allocate extra money coming in,
 Whether or not you can maintain a work/life balance in Baby Step 2,
 Giving financial advice to an in-law.
  Support Our Sponsor:
  Churchill Mortgage: https://bit.ly/2JcfkGy 
 Christian Healthcare Ministries: https://bit.ly/2XBZfE3

  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

How To Use Extra Money Coming In (Hour 1)

Dave Ramsey and Dr. John Delony discuss:
  Going on a family trip while paying off debt,
 Dealing with a grandparent’s messy estate,
 Navigating a lawsuit involving an ex-spouse’s car repo.
  Support Our Sponsor:
  Zander Insurance: https://bit.ly/2Xbn7hD

  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

You Don't Deserve That New Car if You Can't Afford It! (Hour 2)

Dave Ramsey and Dr. John Delony discuss:
  Using a gifted money to pay off debt,
 How to change your family tree financially,
 Navigating a move while your family is expecting.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

I Want To Be Able To Provide for My Future Family (Hour 3)

Ken Coleman & George Kamel discuss:
  How to grow a small business,
 The high-earning poor, 
 When it's time to leave a job,
 Paying off debt and getting your life on track,
 Having over $100k in car debt.
  Support Our Sponsor:
  Splash Financial: https://bit.ly/2XAdOIf 
 Zander Insurance: https://bit.ly/2Xbn7hD 
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

What To Do When You Owe More on Cars That You Make in a Year? (Hour 1)

Ken Coleman & George Kamel discuss:
  Should you convert a traditional IRS to a Roth,
 How to ask for a raise,
 When is it time to walk away from your business,
 Using your savings to pay off debt,
 Preparing for a switch in careers,
 How to move out of your toxic in-law's house.
   Support Our Sponsor:
  DreamCloud: https://www.dreamcloudsleep.com/delony

   Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

We Live With My In-Laws and We Need To Get Out! (Hour 2)

Ken Coleman & George Kamel discuss:
  How to prepare for married life,
 Should you put more money in your pension or an IRA,
 Splitting assets during a messy divorce,
 Buying or renting when you move to a new city,
 Awesome companies hiring special needs workers.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

I’m About To Get Married and I Want To Start Us Off on the Right Path! (Hour 3)

John Delony & George Kamel discuss:
  How to talk to your parents about money,
 Is it a good idea to move in with the in-laws,
 If company stocks are a good idea,
 Should you go on vacation while paying off debt,
 Why you should keep on paying off your student loans,
 How to build a life after the death of a spouse,
  Support Our Sponsor:
  Churchill Mortgage: https://bit.ly/2JcfkGy 
 DreamCloud: https://www.dreamcloudsleep.com/delony 
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Should You Be Going on Vacation While You Are Paying Off Debt? (Hour 1)

John Delony & George Kamel discuss:
  How much should you budget for extravagant gifts,
 Controlling your spending in the wake of a divorce,
 Funding 529s for grandkids,
 The risk of waiving the home inspection.
  Support Our Sponsor:
  Zander Insurance: https://bit.ly/2Xbn7hD 
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

My Realtor Said To Waive the Inspection and Now It’s Costing Me! (Hour 2)

John Delony & George Kamel discuss:
  Taking a tax hit to convert your IRA,
 The dangers of payday loans,
 Deciding to start a business or work for someone else,
 Should you take a year off to travel.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Dealing With a Payday Loan Nightmare! (Hour 3)

George Kamel discusses:
  How to prioritize your debt,
 Paying off debt vs. investing.
 Where to put IRS debt in your snowball,
 Convincing your spouse to sell the house,
 Planning for a new baby, 
 Cash flowing college.
  Support Our Sponsor:
  Zander Insurance: https://bit.ly/2Xbn7hD 
 Christian Healthcare Ministries: https://bit.ly/2XBZfE3 
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Where in the Debt Snowball Do You Pay the IRS? (Hour 1)

George Kamel discusses:
  What to do when you drain your emergency fund,
 If consolidating credit cards is a good idea,
 How to teach your kid about money when your ex is irresponsible,
 Should you take a job that requires a lot of travel,
 What to do when your car dies in baby step 2.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

How Do You Teach Your Teen About Money When Your Ex Spends Like Crazy? (Hour 2)

George Kamel discusses:
  How to convince your spouse to buy a brand-new car,
 Deciding between paying the house or investing,
 Learning how to budget after college,
 What to do with a large cash gift,
 What to do when a renovation goes over budget.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

I Just Graduated Med School Debt Free and My Parents Gave Me $40K! (Hour 3)

Rachel Cruze & George Kamel discuss:
  How much cash should you have at your fingertips,
 When should you be more responsible with your money,
 Buying a condo while still in debt,
 How to invest after you retire.
  Support Our Sponsor:
  Zander Insurance: https://bit.ly/2Xbn7hD 
 Churchill Mortgage: https://bit.ly/2JcfkGy 
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

When Is It Time To Start Making More Mature Money Decisions? (Hour 1)

Rachel Cruze & George Kamel discuss:
  Juggling a small business and motherhood,
 Budgeting after a large increase in income,
 How to decide if it's time to leave your workplace,
 Selling a business you love to pay off debt,
 Buy now, pay later scams,
 What to do once you become debt free.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Don’t Fall for the Buy Now, Pay Later Scam! (Hour 2)

Rachel Cruze & George Kamel discuss:
  If you should use extra income to pay off debt or invest,
 Moving for a job and finding a house,
 Struggling to make ends meet each month, 
 If house hacking is a good idea,
 How to re-finance student loans.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Is House Hacking a Good Way To Make Money? (Hour 3)

George Kamel discusses:
  How to pay off over $600k in parent plus loans,
 What a 13-year-old should do to build wealth,
 A trucker who wants to buy a new semi, 
 The fear of using your savings to pay off debt,
 Why you should pay off debt before you invest,
 What to do when you are upside down on a car loan?
  Support Our Sponsor:
  Christian Healthcare Ministries: https://bit.ly/2XBZfE3 
 Splash Financial: https://bit.ly/2XAdOIf 
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

I Have Over $600K in Parent PLUS Loans! (Hour 1)

George discusses:
  Buying an investment property while you still rent,
 Taking a job with less pay but better benefits,
 How much you need to retire with dignity,
 Buying mom out of a property that you co-own.
  Support Our Sponsor:
  Zander Insurance: https://bit.ly/2Xbn7hD 
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Mom and I Co-Own a House but I Want Her To Move Out (Hour 2)

George Kamel discusses:
  How to manage a 529 plan by yourself,
 Moving up in house after baby comes, 
 What's the next step after you pay off your debt,
 Paying off the rental before you pay off your house,
 How to pay cash for a house,
 Convincing your spouse to pay off the house. 
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Should I Buy a House or Keep Renting? (Hour 3)

George Kamel & Rachel Cruze discuss:
  How to enjoy your life while budgeting,
 Discuss why Gen-Z doesn't treat cash like real money, 
 Repairing an old car vs. buying a new one,
 Struggling to save money after a divorce,
 What's the next step to financial freedom?
  Support Our Sponsor:
  Churchill Mortgage: https://bit.ly/2JcfkGy 
 DreamCloud: https://www.dreamcloudsleep.com/delony 
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Can You Still Enjoy Life While Budgeting? (Hour 1)

George Kamel & Rachel Cruze discuss:
  How to find a side hustle (and whether or not you should sell your horse),
 Moving to a nicer place while still in debt, 
 Should you invest while in college,
 Trusting a financial advisor to help you win with money,
 Caring for a mom that struggles with addiction.
  Support Our Sponsor:
  Zander Insurance: https://bit.ly/2Xbn7hD 
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

How Can I Win With Money While I’m in College? (Hour 2)

George Kamel &  Rachel Cruze discuss:
  How to get rid of a leased car,
 Should you sell your house and buy a new one,
 Pausing your investments to rebuild an emergency fund,
 How to handle money disagreements with your spouse,
 Moving out of grandma's house to live on your own.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Should I Move In With My Girlfriend? (Hour 3)

Dave Ramsey & George Kamel discuss:
  The timing of when to start a family,
 Launching a book as a side hustle,
 Helping a family member sell a house.
  Support Our Sponsors:
  Splash Financial: https://bit.ly/2XAdOIf 
 Christian Healthcare Ministries: https://bit.ly/2XBZfE3 
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

I Wrote a Book as a Side Hustle...What Now? (Hour 1)

Dave Ramsey & George Kamel discuss:
  Purchasing a family-owned farm,
 Buying your first home,
 Navigating a layoff.
  Support Our Sponsor:
  Zander Insurance: https://bit.ly/2Xbn7hD 
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Should I Look Into a New Career Field After a Layoff? (Hour 2)

Dave Ramsey & George Kamel discuss:
  Family boundaries around your children's debt,
 What to do with savings bonds,
 Weighing the options about selling your car.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Be the Victor, NOT the Victim (Hour 3)

Dave Ramsey & Dr. John Delony discuss:
  Talking a spouse into downsizing housing,
 Does it ever make sense to take a financial hit for a career change?
 How to tackle debt as a single parent.
  Support Our Sponsors:
  Zander Insurance: https://bit.ly/2Xbn7hD 
 Splash Financial: https://bit.ly/2XAdOIf 
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

How Can I Get My Spouse on Board With a Move? (Hour 1)

Dave Ramsey & Dr. John Delony discuss:
  Letting a rental property go for your sanity and learning when you need to "fire yourself",
 Turning off the news so you don't get paralyzed by fear,
 Is it possible to get financial peace after 50?
 Maxing out a Roth IRA vs. 401(k).
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Ride the Rollercoaster When the Market Gets Rough (Hour 2)

Dave Ramsey & Dr. John Delony discuss how ordinary people built extraordinary wealth.
 Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Dave Ramsey & George Kamel discuss:
  How to handle money when a spouse passes away,
 How to get out of a car lease,
 Does it make financial sense to get an electric car with gas prices so high?
 Deciding if you can afford to move up in apartment.
  Support Our Sponsor:
  Christian Healthcare Ministries: https://bit.ly/2XBZfE3 
 Zander Insurance: https://bit.ly/2Xbn7hD 
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

With Gas Prices Up Should I Buy a Tesla? (Hour 1)

Dave Ramsey & George Kamel discuss:
  Do you need a real estate agent or should you sell by owner?
 Handling an inherited rental property,
 The best way to tackle $900k in debt.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Can I Sell My House by Owner in This Market? (Hour 2)

Dave Ramsey & George Kamel discuss:
  Is it possible to overfund a TSP?
 Knowing when it's time to change careers,
 What to do when you find out you're about to get a million dollar check.
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

Quit Trying To Keep Up With the Jones’! (Hour 3)

Dave Ramsey & Ken Coleman discuss:
  Budgeting on an irregular income,
 How to stay sane when the market gets wild,
 The best way to buy a piece of land,
 Dealing with doubts around a new job.
  Support Our Sponsor:
  Zander Insurance: https://bit.ly/2Xbn7hD 
 Churchill Mortgage:  https://bit.ly/2JcfkGy 
  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX
 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6

The Ramsey Show

Ramsey Network - ramseysolutions.com

Latest episode: Thu Jun 30 2022